Retire in Siargao, Philippines
Last updated on Apr 17, 2025
Summary: Retirees share their experiences living in Siargao, Philippines. What are the challenges and rewards of retiring in Siargao?
What is it like to retire in Siargao?
"Life for a retiree in Siargao can be quite idyllic and peaceful. The island is known for its laid-back lifestyle, beautiful beaches, and warm, friendly locals. There is a small but active expat community in Siargao, made up of retirees and other foreigners who have chosen to make the island their home. They often gather for social events, beach clean-ups, and other community activities. Culturally, Siargao offers a rich and vibrant local scene. The island is home to a number of festivals throughout the year, including the Siargao International Surfing Cup and the Siargao Cloud 9 Surfing Cup. There are also plenty of opportunities to immerse oneself in the local culture, from exploring the local markets to trying out traditional Filipino cuisine. Recreational activities abound in Siargao. The island is a world-renowned surfing destination, with waves suitable for both beginners and experienced surfers. Other popular activities include island hopping, snorkeling, diving, and fishing. The island is also home to the Sohoton Cove National Park, a beautiful natural reserve that offers stunning views and unique wildlife. Nightlife in Siargao is relatively low-key, reflecting the island's laid-back vibe. There are a number of bars and restaurants where one can enjoy live music, local beer, and fresh seafood. Some places also host occasional parties and events. However, the island is not known for its wild nightlife, making it a perfect place for those who prefer a quieter, more relaxed pace of life," said a retiree who moved to Siargao, Philippines.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What advice do overseas retirees have for others considering retiring abroad?
"Retirees in Siargao 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, as well as the language, to make the transition smoother. It's also important to consider healthcare options and ensure that you have access to quality medical care. Retirees in Siargao also recommend visiting the place multiple times before making a final decision, to get a real feel for the lifestyle and community. They also suggest making sure that you have a reliable source of income that will cover your expenses in your new home. It's also crucial to understand the local laws and regulations, especially those related to property ownership and taxes. Lastly, retirees in Siargao emphasize the importance of staying active and involved in the community, as it can greatly enhance your quality of life. They also advise being open-minded and adaptable, as living in a new country can present unexpected challenges and opportunities," said one retiree in Siargao.
What are the most challenging aspects of retiring in Siargao?
"1. One of the most challenging aspects of retiring in Siargao is the language barrier. While English is widely spoken in the Philippines, the local language in Siargao is Visayan, which can be difficult to learn and understand for foreigners. 2. The healthcare system in Siargao is not as advanced as in other parts of the Philippines or in Western countries. Access to medical facilities and specialists may be limited, which can be a concern for retirees who require regular medical care. 3. The cost of living in Siargao can be higher than in other parts of the Philippines due to its popularity as a tourist destination. This can make it more difficult for retirees to live comfortably on a fixed income. 4. The island's remote location can also be a challenge. While this can be part of its charm, it can also make it difficult to access certain goods and services, and can lead to feelings of isolation. 5. The infrastructure in Siargao is not as developed as in other parts of the Philippines. This can make things like transportation and internet access more challenging. 6. The tropical climate, while appealing to some, can be difficult for others to adjust to. The heat and humidity can be intense, and the island is prone to typhoons. 7. Finally, the legal process of retiring in the Philippines can be complex and time-consuming. It involves a lot of paperwork and can be difficult to navigate without the help of a local expert," said a retiree who moved to Siargao, Philippines.

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What are the most rewarding aspects of retiring in Siargao?
"1. Siargao offers a laid-back lifestyle that is perfect for retirees who want to escape the hustle and bustle of city life. 2. The cost of living in Siargao is significantly lower compared to other popular retirement destinations, allowing retirees to enjoy a comfortable lifestyle without breaking the bank. 3. The island is known for its warm and welcoming locals, making it easy for retirees to integrate into the community and make new friends. 4. Siargao is home to some of the most beautiful beaches in the world, providing retirees with endless opportunities for relaxation and recreation. 5. The island's tropical climate is ideal for retirees who enjoy warm weather, with plenty of sunshine throughout the year. 6. Siargao has a vibrant expat community, providing a sense of familiarity and camaraderie for retirees from abroad. 7. The island offers a range of outdoor activities, from surfing and fishing to hiking and bird watching, ensuring that retirees will never run out of things to do. 8. Siargao's rich culture and history provide plenty of opportunities for retirees to learn and explore. 9. The island's fresh seafood, tropical fruits, and local delicacies offer a unique culinary experience for food-loving retirees. 10. Despite its remote location, Siargao has modern amenities and healthcare facilities, ensuring that retirees have access to the services they need. 11. Siargao is also known for its slow pace of life, which can be a welcome change for retirees looking to unwind and enjoy their golden years. 12. The island's natural beauty, from its lush greenery to its crystal-clear waters, provides a serene and picturesque environment for retirees," explained one retiree living in Siargao.
What are healthcare services like in Siargao?
We asked retirees if they have access to good medical care in Siargao. They wrote:
"Healthcare services in Siargao are relatively basic, with a few small hospitals and clinics scattered across the island. The main hospital, Siargao District Hospital, is located in Dapa and offers general medical services. There are also several rural health units and barangay health stations providing primary healthcare services to the local communities. However, these facilities may not be equipped to handle serious medical emergencies or complex treatments. For specialized medical care or emergencies, patients often have to be transported to larger hospitals in Surigao City or Cebu. It's also important to note that while some healthcare providers may speak English, the primary language spoken is Visayan or Surigaonon. Health insurance is highly recommended for visitors, as payment for healthcare services is usually expected upfront," said a person in Siargao.
How do I meet people in Siargao?
When we asked people living in Siargao about club and activities where newcomers can meet others, they responded:
"Expats in Siargao often join local sports clubs, particularly those related to surfing and other water sports, as the island is known for its excellent surfing conditions. They may also participate in yoga classes, fitness groups, and environmental conservation organizations, which are quite popular on the island. Many expats also engage in community activities such as local festivals, beach clean-ups, and charity events, which provide opportunities to meet locals and other expats. They may also frequent local bars, restaurants, and cafes, which often host live music and other social events. Another popular way for expats to meet people in Siargao is through language exchange programs, where they can learn the local language and teach their own in return. They may also join cooking classes to learn about Filipino cuisine, or art workshops to learn traditional crafts. Online platforms and social media groups are also commonly used by expats to connect with each other and with locals. These platforms often share information about upcoming events, job opportunities, and other useful tips for living in Siargao. Finally, volunteering is another common way for expats to meet people in Siargao. There are numerous opportunities to volunteer in areas such as education, healthcare, and environmental conservation, which not only provide a chance to give back to the community, but also to form meaningful connections with like-minded individuals," explained a retiree in Siargao.
What is life like in Siargao?
When we asked people living in Siargao what life is like and how people spend their time, they said:
"Life for expats and digital nomads in Siargao is a unique blend of tropical paradise and modern connectivity. The island is known for its stunning landscapes, pristine beaches, and world-class surfing spots, offering a laid-back lifestyle that many expats and digital nomads find appealing. Despite its remote location, Siargao has a strong internet connection, making it possible for digital nomads to work remotely while enjoying the island's natural beauty. The cost of living in Siargao is relatively low compared to many Western countries, making it an attractive destination for those looking to stretch their budget further. Expats and digital nomads can enjoy fresh seafood, local fruits, and other delicious Filipino dishes at affordable prices. The local community in Siargao is friendly and welcoming, with many locals speaking English, making it easier for expats and digital nomads to communicate and integrate. There's also a growing community of like-minded individuals who enjoy the freedom and flexibility of remote work, providing opportunities for networking and socializing. Siargao also offers a range of activities for those who want to explore and enjoy their free time. From surfing and island-hopping to yoga classes and local markets, there's always something to do. Despite its growing popularity, Siargao has managed to maintain its laid-back charm and natural beauty, making it a dream destination for many expats and digital nomads," explained one retiree living in Siargao.

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
What do I need to know before retiring in Siargao?
When we asked people what advice they would give someone preparing to move to Siargao, they said:
"Expats considering retirement in Siargao should be aware of several key factors. Firstly, the cost of living is relatively low compared to Western countries, but it's important to have a reliable source of income to cover expenses. Healthcare facilities on the island are basic, so it's advisable to have a good health insurance plan that covers medical evacuation in case of serious illness or injury. The official language is Filipino, but English is widely spoken, especially in tourist areas. The climate is tropical, with high temperatures and humidity year-round, and a rainy season from November to January. Siargao is known for its laid-back lifestyle and natural beauty, including world-class surfing spots, but it's less developed than other parts of the Philippines, which can be both a pro and a con. The island has a small expat community, and while locals are generally friendly and welcoming, it can take time to integrate and understand the local culture and customs. As for visas, the Philippines offers a Special Resident Retiree’s Visa (SRRV) that allows unlimited stay and multiple entries, but it requires a deposit and has other conditions. Finally, while Siargao is generally safe, it's important to be aware of the country's political situation and occasional natural disasters like typhoons. It's recommended to stay informed and take necessary precautions," said a person in Siargao.
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.