Retire in Bacolod City, Philippines
Last updated on Jul 09, 2025
Summary: Retirees share their experiences living in Bacolod City, Philippines. What are the challenges and rewards of retiring in Bacolod City?
What is it like to retire in Bacolod City?
"Life for a retiree in Bacolod City, can be quite enjoyable and fulfilling. The city is known for its friendly locals, delicious food, and a relaxed pace of life, making it an ideal place for retirement. There is a growing expat community in Bacolod City, with many retirees from different parts of the world choosing to settle here. This community often organizes social events and activities, providing a great opportunity for retirees to meet new people and make friends. Bacolod City is rich in cultural attractions. The city is home to several historical landmarks, museums, and art galleries that showcase the local culture and history. The annual MassKara Festival, a vibrant and colorful celebration, is a major cultural event that attracts both locals and foreigners. For recreation, there are plenty of options available. The city is surrounded by beautiful natural landscapes, including mountains, beaches, and hot springs, perfect for outdoor activities such as hiking, swimming, and bird watching. There are also several golf courses and sports clubs where retirees can engage in physical activities. The city also has a lively nightlife scene. There are numerous bars, clubs, and restaurants that offer live music and entertainment. The local cuisine is a must-try, with Bacolod City being known as the "Sugar Bowl of the Philippines" and famous for its chicken inasal. Healthcare facilities in Bacolod City are also commendable, with several hospitals and clinics providing quality medical services. The cost of living is relatively low compared to other cities, making it an attractive place for retirees. Overall, Bacolod City offers a comfortable and enjoyable lifestyle for retirees, with its warm community, rich culture, recreational activities, and affordable cost of living," commented one retiree living in Bacolod City, Philippines.

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What advice do overseas retirees have for others considering retiring abroad?
"Retirees in Bacolod City, 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 suggest learning about the local culture and customs to better integrate into the community. It's also important to understand the healthcare system and ensure you have adequate health insurance. They recommend visiting the place several times before making a final decision. Learning the local language, even just the basics, can greatly enhance your experience. They also suggest making sure that you have a reliable support system, either through making local connections or by maintaining strong ties back home. Lastly, they advise to be prepared for a slower pace of life and to embrace the local lifestyle," remarked one retiree in Bacolod City.
What are the most challenging aspects of retiring in Bacolod City?
"One of the most challenging aspects of retiring in Bacolod City is the language barrier, as the majority of the locals speak Hiligaynon or Ilonggo, and while English is widely spoken, it may not be as fluent as in major cities. Another challenge could be the healthcare system, which, although improving, may not be up to the standards that some retirees from Western countries are accustomed to. The tropical climate, with its high humidity and occasional typhoons, can also be a challenge for those not used to such conditions. Adjusting to the local culture and customs can also be difficult, as the Philippines has a unique blend of Eastern and Western influences that may be unfamiliar to some retirees. The cost of living, while generally lower than in Western countries, can still be a challenge for those on a fixed income, especially with the fluctuating exchange rates. Finally, the distance from family and friends back home can be a significant challenge, as it can lead to feelings of isolation and homesickness," remarked one retiree in Bacolod City.
What are the most rewarding aspects of retiring in Bacolod City?
"Retiring in Bacolod 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 helping hand or share a smile. Bacolod City is also renowned for its delicious food, particularly its chicken inasal and sweet desserts, which retirees can enjoy at local markets and restaurants. The cost of living is significantly lower than in many Western countries, allowing retirees to stretch their pensions and savings further. The city is surrounded by beautiful natural scenery, including stunning beaches and lush mountains, providing plenty of opportunities for outdoor activities. The climate is tropical and warm year-round, which is ideal for those who enjoy sunshine and heat. The city also has a vibrant cultural scene, with numerous festivals, art galleries, and music events throughout the year. Lastly, Bacolod City has good healthcare facilities, with well-equipped hospitals and many English-speaking doctors," said one retiree in living in Bacolod City, Philippines.
What are healthcare services like in Bacolod City?
We asked retirees if they have access to good medical care in Bacolod City. They wrote:
"Healthcare services in Bacolod City are quite comprehensive, with a mix of public and private hospitals, clinics, and health centers. The city is home to several large hospitals that are equipped with modern medical facilities and staffed by skilled healthcare professionals. These hospitals offer a wide range of services, from general medicine to specialized treatments. In addition to hospitals, there are numerous smaller clinics and health centers scattered throughout the city. These facilities provide basic healthcare services, including routine check-ups, vaccinations, and minor treatments. Public healthcare in Bacolod City is accessible and affordable, with the government providing subsidies for low-income individuals and families. However, the public healthcare system can be crowded and wait times can be long. On the other hand, private healthcare in Bacolod City is known for its high quality of service. Private hospitals and clinics often have shorter wait times and offer more personalized care, but they can be more expensive. Pharmacies are also widely available throughout Bacolod City, providing easy access to prescription medications and over-the-counter drugs. Overall, while there are some challenges, Bacolod City's healthcare system is generally well-regarded for its accessibility and quality of care," said one retiree in living in Bacolod City, Philippines.
How do I meet people in Bacolod City?
When we asked people living in Bacolod City about club and activities where newcomers can meet others, they responded:
"Expats in Bacolod City, often join various clubs and activities to meet new people and immerse themselves in the local culture. They may participate in sports clubs such as golf, tennis, or swimming, which are popular in the city. There are also language exchange groups where expats can learn the local dialect while teaching their native language to locals. Cultural clubs are also popular, offering opportunities to learn about Filipino history, arts, and traditions. Expats may also join cooking classes to learn how to prepare local delicacies, or participate in wine tasting clubs, as Bacolod is known for its sugar cane plantations and rum production. In addition to joining clubs and activities, expats often meet people through community events and festivals. Bacolod City is known as the "City of Smiles" and hosts the annual MassKara Festival, a month-long celebration filled with street dancing, music, and colorful costumes. This event attracts both locals and foreigners, making it a great opportunity for expats to socialize and meet new people. Expats also meet people through volunteering. There are numerous non-profit organizations and charities in Bacolod City that welcome the help of foreigners. Volunteering not only allows expats to give back to the community, but also provides a platform to meet like-minded individuals. Networking events and business meetups are also common in Bacolod City, especially for expats involved in the booming BPO industry. These events provide opportunities to meet professionals from various fields and expand one's professional network. Lastly, expats often meet people simply by exploring the city, visiting local markets, dining in local restaurants, or attending church services. The people of Bacolod City are known for their friendliness and hospitality, making it easy for expats to feel welcomed and make new friends," explained a retiree in Bacolod City.
What is life like in Bacolod City?
When we asked people living in Bacolod City what life is like and how people spend their time, they said:
"Life for expats and digital nomads in Bacolod City is generally comfortable and affordable. The city offers a relaxed lifestyle with a low cost of living, making it an attractive destination for those who work remotely. The local community is friendly and welcoming, with English widely spoken, making it easier for foreigners to communicate and integrate. Bacolod City is known for its vibrant food scene, with a wide variety of local and international cuisines available. The city also has a rich cultural heritage, with numerous festivals and events throughout the year that expats can enjoy. For digital nomads, the city offers reliable internet connectivity, with numerous co-working spaces and cafes providing suitable work environments. The city is also relatively safe, with a low crime rate compared to other cities in the Philippines. Despite its urban amenities, Bacolod City is also close to nature, with beautiful beaches and mountains nearby for weekend getaways. The city's healthcare facilities are decent, with a number of hospitals and clinics available for medical needs. However, expats may face challenges such as the hot and humid climate, and occasional power outages. Traffic can also be a problem, especially during peak hours. Despite these challenges, many expats and digital nomads find living in Bacolod City a rewarding and enjoyable experience," said a person in Bacolod City.
What do I need to know before retiring in Bacolod City?
When we asked people what advice they would give someone preparing to move to Bacolod City, they said:
"Expats considering retirement in Bacolod City, should be aware of several key factors. Firstly, the cost of living is relatively low compared to Western countries, making it an attractive option for retirees. However, healthcare facilities may not be as advanced or readily available as in their home country, so it's important to have a comprehensive health insurance plan. The official language is Filipino, but English is widely spoken, making communication easier for expats. The city is known for its friendly locals, vibrant festivals, and delicious food, offering a rich cultural experience. The climate is tropical, with a rainy season from June to November, and a dry season from December to May. Expats should be prepared for high humidity and occasional typhoons. Bacolod City has a slower pace of life compared to other major cities in the Philippines, which can be a positive or negative depending on personal preference. Public transportation is readily available, but traffic can be heavy, especially during peak hours. Safety is a concern in any city, and while Bacolod City is generally safe, expats should still exercise caution, especially at night. Finally, it's important to understand the visa requirements for retiring in the Philippines. The Special Resident Retiree’s Visa (SRRV) is a popular option for many expats, but it requires a deposit and has certain age and income requirements," commented one retiree living in Bacolod City, Philippines.
About the Author
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.