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Retire in Iloilo City, Philippines | Expat Exchange
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Retire in Iloilo City, Philippines

By Betsy Burlingame

Last updated on Apr 15, 2025

Summary: Retirees share their experiences living in Iloilo City, Philippines. What are the challenges and rewards of retiring in Iloilo City?

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What is it like to retire in Iloilo City?

"Life for a retiree in Iloilo City can be quite enjoyable and fulfilling. The city is known for its warm and welcoming locals, making it easy for expats to feel at home. There is an active expat community in Iloilo City, with many retirees from different parts of the world. They often organize social events and activities, providing a great opportunity to meet new people and make friends. Culturally, Iloilo City is rich and diverse. It is known as the "Museum City of the Philippines" due to its numerous museums showcasing the country's history and culture. The city also hosts the Dinagyang Festival, one of the biggest and most colorful religious and cultural events in the country. For recreation, there are plenty of options. The city is surrounded by beautiful beaches, perfect for swimming, sunbathing, and other water activities. There are also several golf courses, parks, and nature reserves for those who enjoy outdoor activities. The city also has a vibrant nightlife. There are numerous bars, clubs, and restaurants that cater to different tastes and preferences. Live music is common in many venues, and the city hosts several music and arts festivals throughout the year. In terms of amenities, Iloilo City has modern healthcare facilities, shopping malls, and a reliable public transportation system. The cost of living is also relatively low compared to other cities, making it an attractive place for retirees. Overall, life for a retiree in Iloilo City offers a blend of relaxation, cultural immersion, and social activities. It's a place where one can enjoy the slower pace of life without missing out on the conveniences of modern living," said one retiree in Iloilo City.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What advice do overseas retirees have for others considering retiring abroad?

"Retirees in Iloilo City often advise others considering retiring abroad to thoroughly research the cost of living in their chosen destination, as it can vary greatly from one place to another. They also suggest learning about the local culture and customs to ensure a smooth transition. It's important to understand the healthcare system and ensure you have adequate coverage. They recommend visiting the place multiple times before making a final decision, to get a feel for the lifestyle and environment. It's also beneficial to learn the local language, even if it's just the basics, to help with everyday tasks and interactions. They also advise to consider the climate, as it can significantly impact your comfort and lifestyle. Lastly, they suggest making connections with both locals and other expats, as they can provide valuable advice and support," remarked one retiree in Iloilo City.

What are the most challenging aspects of retiring in Iloilo City?

"One of the most challenging aspects of retiring in Iloilo City is the language barrier, as the majority of the locals speak Hiligaynon, and while English is widely spoken, it may not be as fluent as in major cities like Manila. Another challenge could be adjusting to the local culture and customs, which can be significantly different from Western norms. The healthcare system in Iloilo City may not be as advanced as in other countries, which could be a concern for retirees with specific medical needs. The tropical climate, while appealing to some, can be difficult for others to adjust to, especially those used to cooler climates. The city's infrastructure may also pose a challenge, as it may not be as developed as in other more urbanized areas. Access to certain amenities and products that one may be accustomed to in their home country may also be limited. Lastly, dealing with bureaucracy and red tape, especially in relation to immigration and property ownership, can be a significant challenge for foreigners retiring in Iloilo City," explained a retiree in Iloilo City.

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What are the most rewarding aspects of retiring in Iloilo City?

"Retiring in Iloilo City, offers a relaxed and laid-back lifestyle, with a slower pace of life that many retirees find appealing. The city is known for its friendly and welcoming locals, who are always ready to lend a hand or share a smile. The cost of living is significantly lower than in many Western countries, allowing retirees to enjoy a comfortable lifestyle on a modest budget. The city boasts a rich cultural heritage, with numerous festivals, historical sites, and traditional arts and crafts to explore. The local cuisine is a highlight, with a wide variety of delicious and affordable food options. The city is also surrounded by stunning natural beauty, from pristine beaches to lush mountains, providing plenty of opportunities for outdoor activities. The healthcare system in Iloilo City is reliable and affordable, with a number of well-equipped hospitals and clinics. The city also has a warm tropical climate, with plenty of sunshine throughout the year," said a retiree who moved to Iloilo City, Philippines.

What are healthcare services like in Iloilo City?

We asked retirees if they have access to good medical care in Iloilo City. They wrote:

"Healthcare services in Iloilo City are generally accessible and affordable. The city is home to several public and private hospitals that offer a wide range of medical services. Public hospitals, such as Western Visayas Medical Center and Iloilo City Community Hospital, provide free or low-cost healthcare to residents, particularly those who are less privileged. Private hospitals, on the other hand, offer more specialized services and advanced medical equipment. Some of the well-known private hospitals in the city include The Medical City Iloilo, St. Paul's Hospital Iloilo, and Iloilo Mission Hospital. These hospitals are staffed with highly trained medical professionals and offer a wide range of services from general medicine to specialized surgeries. In addition to hospitals, there are numerous clinics, diagnostic centers, and pharmacies scattered throughout the city, making healthcare services readily available. The city also has several dental clinics and optical shops. The local government of Iloilo City is also actively involved in healthcare. They have programs aimed at improving the health and well-being of their residents, such as free vaccinations, health education campaigns, and regular medical missions. Despite these services, challenges still exist. Some residents in remote areas may find it difficult to access healthcare services due to distance and transportation issues. There are also concerns about the quality of care in some public hospitals due to overcrowding and lack of resources. Overall, while there is room for improvement, healthcare services in Iloilo City are generally comprehensive and accessible to its residents," explained one retiree living in Iloilo City.

How do I meet people in Iloilo City?

When we asked people living in Iloilo City about club and activities where newcomers can meet others, they responded:

"Expats in Iloilo City, often join various clubs and activities to meet new people and immerse themselves in the local culture. Some popular options include language exchange clubs, where they can learn the local dialect while teaching their own language to locals. They may also join sports clubs, such as golf, tennis, or even local sports like Sepak Takraw, to stay active and socialize. Cultural clubs and organizations are also popular among expats. These groups often organize events and activities that showcase the rich history and traditions of the Philippines, providing expats with a deeper understanding of their new home. Cooking classes are another popular activity, where expats can learn to prepare traditional Filipino dishes. Expats also meet people through volunteering. Many local charities and non-profit organizations welcome the help of foreigners, and this can be a rewarding way to give back to the community while making new friends. Networking events and business meetups are also common, especially for expats who are in Iloilo for work. These events provide opportunities to meet other professionals in the same industry, and can often lead to valuable business connections. Social media and online forums are another way for expats to connect. There are several online communities specifically for expats in Iloilo, where members can ask questions, share experiences, and arrange meetups. Finally, simply exploring the city and its many restaurants, bars, and shops can lead to unexpected encounters. Iloilo is known for its friendly locals, so striking up a conversation with a stranger can often lead to a new friendship," explained one retiree living in Iloilo City.

What is life like in Iloilo City?

When we asked people living in Iloilo City what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Iloilo City is generally comfortable and affordable. The city offers a good balance of urban conveniences and provincial charm, with modern amenities such as shopping malls, restaurants, and cafes, as well as beautiful natural landscapes. The cost of living is relatively low compared to other major cities, making it an attractive destination for those who work remotely. The city is known for its friendly and hospitable locals, making it easy for expats and digital nomads to feel at home. English is widely spoken, which makes communication and daily life easier for foreigners. The city also has a vibrant cultural scene, with numerous festivals and events throughout the year that offer a glimpse into the local culture. Iloilo City has a reliable internet connection, which is crucial for digital nomads. There are also several co-working spaces available for those who prefer to work outside their homes. The city's laid-back lifestyle and slower pace of life can be a welcome change for those used to the hustle and bustle of larger cities. Healthcare in Iloilo City is also commendable, with several hospitals and clinics that offer high-quality medical services. The city is also known for its culinary scene, offering a wide variety of local and international cuisines. Despite its many conveniences, life in Iloilo City can also come with challenges. Traffic can be heavy during peak hours, and public transportation may not be as efficient as in other countries. The tropical climate may also take some getting used to, with hot and humid weather throughout most of the year. Overall, Iloilo City offers a unique blend of modern comforts and traditional Filipino culture, making it an attractive destination for expats and digital nomads," said a person in Iloilo City.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

What do I need to know before retiring in Iloilo City?

When we asked people what advice they would give someone preparing to move to Iloilo City, they said:

"Before retiring in Iloilo City, expats should be aware that the cost of living is relatively low compared to Western countries, making it an attractive destination for retirees. However, they should also be prepared for a different standard of living, as the infrastructure and public services may not be as developed as in their home country. Expats should also know that the primary language spoken in Iloilo City is Hiligaynon, although English is widely spoken and understood, especially in business and education sectors. It would be beneficial to learn some basic phrases in the local language to help with daily interactions. Healthcare in Iloilo City is generally good, with a number of hospitals and clinics available. However, expats should ensure they have comprehensive health insurance as the quality of healthcare can vary and some treatments may not be available. The climate in Iloilo City is tropical, with a wet and dry season. Expats should be prepared for high temperatures and humidity, as well as potential typhoons during the rainy season. Expats should also be aware of the local customs and traditions in Iloilo City. Filipinos are generally very friendly and hospitable, but it's important to respect their culture and traditions to integrate well into the community. The city is known for its festivals, particularly the Dinagyang Festival, which is a major cultural and religious celebration. Participating in local events and festivals can be a great way to understand and appreciate the local culture. Finally, expats should understand the visa requirements for retiring in the Philippines. The country offers a Special Resident Retiree’s Visa (SRRV) which allows foreigners to live indefinitely in the Philippines, but there are specific financial requirements that must be met. It's recommended to consult with a legal expert or the Philippine Retirement Authority for detailed information," explained a retiree in Iloilo City.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB Global
SJB Global

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