Best Place to Retire in Luzon: Top 10 Locations
- KGM Resorts
- Sep 21
- 13 min read
Comfort, Culture, and Coastal Charm
Luzon, the largest island in the Philippines, is more than just a political and economic hub—it’s one of Southeast Asia’s most enticing retirement destinations. Stretching from the urban sprawl of Metro Manila to the serene coastal towns of Subic Bay and San Juan, Luzon offers a diverse landscape that caters to every kind of retiree. Whether you’re seeking the fast-paced convenience of a big city or the gentle rhythm of life by the sea, Luzon delivers a lifestyle rich in choice and charm.
What makes Luzon stand out? For starters, its affordable cost of living, modern infrastructure, and easy access to excellent healthcare facilities make it ideal for those looking to live comfortably on a fixed income. In addition, Luzon's larger cities offer superior amenities, healthcare, shopping, and entertainment options, providing retirees with the convenience and comprehensive services found in more populous urban centers. English is widely spoken, making everyday life seamless for expats. From bustling shopping centers to peaceful nature retreats, retirees can enjoy both modern comforts and authentic local culture.
This blog curates the Best Place to Retire in Luzon: Top 10 Locations, guiding you through options suited to your lifestyle—whether you’re after tropical beaches, mountain cool, or urban amenities. Let’s explore where you can enjoy the best of your golden years in the heart of the Philippines, a popular destination for retirees and expats.
Why Retire in Luzon? – Top Reasons at a Glance
Retiring in Luzon means having access to both the essentials and the extraordinary. Here’s why so many expats and retirees consider it one of the best retirement destinations in Southeast Asia:
Geographical Convenience
Luzon is home to the country’s largest international airports—NAIA in Manila, the capital city and a major hub for travel and essential services, and Clark in Angeles City—making travel to and from Western Europe, the U.S., and neighboring countries in Southeast Asia easy and efficient.
City Life or Rural Peace
Prefer modern comforts? Retire in Makati City or Angeles City, where shopping centers, grocery stores, and international schools are within reach. Looking for serenity? Head to a smaller town or beachfront communities like San Juan or Subic Bay for a peaceful retreat.
Excellent Healthcare
Luzon offers world-class healthcare facilities, with some of the best hospitals in the country, especially in Metro Manila and major cities. Access to medical insurance and English-speaking doctors adds to retirees’ peace of mind.
Language & Lifestyle Fit
English is widely spoken, making day-to-day tasks—from banking to hospital visits—seamless for expat families and solo retirees alike.
Affordable Cost of Living
Retirees can enjoy a comfortable lifestyle on a fixed pension or social security, with low housing costs, cheap transportation, and access to essential services across Luzon.
10 Best Places to Retire in Luzon
Tagaytay – Cool Climate and Scenic Comfort
Why It’s Ideal Tagaytay is one of Luzon’s most beloved retirement destinations—and for good reason. Located just a short drive from Metro Manila, this city offers a cool, refreshing climate and scenic vistas of the iconic Taal Volcano. It’s perfect for retirees who want to escape the tropical heat without venturing too far from a major urban center.
Lifestyle Highlights
Tagaytay blends relaxation and recreation. Enjoy leisurely days at local coffee shops with volcano views, morning strolls through parks and gardens, or rounds of golf at scenic mountain courses. Its temperate weather allows for year-round outdoor living, perfect for nature lovers and outdoorsy expats alike.
Key Amenities
Though it maintains a small-town charm, Tagaytay is equipped with modern conveniences: shopping malls, supermarkets, healthcare facilities, and private hospitals are all within reach. It's close enough to Metro Manila’s world-class hospitals for specialist care, but far enough to offer peace and quiet.
Expat Community Presence
While smaller than in major cities, Tagaytay has a growing number of foreign retirees, especially among those looking for a more tranquil lifestyle. You’ll find expats who run bed-and-breakfasts, attend art workshops, or simply enjoy the slower pace of life in this picturesque setting.
Subic Bay – Organized, Secure, and Expat-Friendly
Why It’s Ideal Subic Bay, a former US naval base, has transformed into one of the most well-organized and secure retirement zones in Luzon. With wide roads, reliable infrastructure, and strong security, it appeals to retirees who value peace of mind, cleanliness, and a structured environment. Its proximity to Manila and international airports also adds to its strategic appeal.
Lifestyle Highlights
Subic offers a laid-back atmosphere with a distinctly Western feel. Retirees can enjoy duty-free shopping, quiet beaches, yacht clubs, and golf courses. It's ideal for those who want the conveniences of a modern town without the chaos of a big city. Whether it's daily walks by the bay or afternoons spent at waterfront cafés, the pace of life here is relaxed yet fulfilling.
Key Amenities
The area is packed with essential services: modern grocery stores, private clinics, international schools (for those retiring with family), and business centers. Because of its duty-free status, many retirees enjoy affordable access to imported goods and conveniences not commonly found elsewhere in the country.
Expat Community Presence
Subic has a long-established foreign community, with many retirees from the U.S., Western Europe, and East Asia calling it home. Social clubs, volunteer groups, and international meet-ups are common, making it easy to connect with other expats and build lasting friendships.
Baguio City – The Cultural Highlands
Why It’s Ideal Known as the Summer Capital of the Philippines, Baguio offers a refreshing escape from the tropical heat thanks to its cool mountain climate. Located in the Cordillera highlands, it’s a haven for retirees who enjoy crisp air, pine-scented mornings, and a slower, more reflective lifestyle. Its rich cultural heritage and indigenous roots make it a meaningful place to retire for those who value tradition and creativity. Baguio’s rich culture and rich heritage are evident in its vibrant festivals, artistic community, and the preservation of local customs, offering retirees a unique opportunity for cultural immersion and engagement.
Lifestyle Highlights
Baguio’s charm lies in its vibrant mix of the old and new. The city is home to museums, artist villages, and heritage parks, alongside cafés and cozy bookstores. Daily life includes farmers’ markets, strolls through Burnham Park, and scenic drives to nearby strawberry farms. It's an ideal spot for outdoorsy expats and those seeking a creative or reflective retirement.
Key Amenities
Though nestled in the mountains, Baguio is far from isolated. It offers modern infrastructure, quality healthcare facilities, and international schools, making it suitable even for expat families. With reliable internet and business hubs, remote retirees or digital nomads will feel right at home.
Expat Community Presence
Baguio has a growing international community, especially among educators, artists, and nature lovers. While smaller than Metro Manila's, its expat network is welcoming and active in cultural events, making it easy to blend in and find purpose in retirement.
Angeles City – Urban Comfort with a Global Touch
Why It’s Ideal Located in Central Luzon and adjacent to Clark International Airport, Angeles City is a top retirement destination for expats who want the convenience of a mid-sized city with global connectivity. Once home to a major U.S. airbase, it has evolved into a vibrant hub with Western comforts, modern infrastructure, and a growing expat community.
Lifestyle Highlights
Retirees here enjoy a blend of city life and leisure—from shopping at duty-free malls to dining at international restaurants and relaxing in nearby golf resorts. The city is known for its vibrant nightlife, making it ideal for those who enjoy socializing, live music, and evening strolls along entertainment strips. Just a short drive from Subic Bay and Mount Pinatubo, it’s also a gateway to natural attractions.
Key Amenities
Angeles City is packed with healthcare facilities, international schools, and grocery stores that cater to foreign tastes. Its modern conveniences, combined with a relatively affordable cost of living, allow retirees to live comfortably while having access to high-quality services and housing.
Expat Community Presence
The city is home to a well-established expat enclave, particularly from Western Europe and the U.S. Many retirees choose Angeles City for its ease of integration, English-speaking locals, and abundance of leisure activities tailored to international lifestyles.
Makati City – Metro Manila’s Premier District
Why It’s Ideal As the financial capital of the Philippines, Makati City offers retirees the pinnacle of urban living in Luzon. It’s perfect for those who want to be in the heart of the action while having easy access to healthcare, luxury shopping, cultural centers, and many multinational companies. The city’s compact layout and excellent public transportation make it one of the most walkable areas in Metro Manila.
Lifestyle Highlights
Retirees in Makati can enjoy a cosmopolitan lifestyle with access to world-class restaurants, theaters, galleries, and parks. Whether you’re indulging in fine dining at Greenbelt, taking a stroll through Ayala Triangle Gardens, or attending cultural exhibits, Makati blends modern comforts with rich cultural heritage.
Key Amenities
Makati is home to some of the best hospitals in the country, including Makati Medical Center and St. Luke’s BGC (nearby). You’ll also find upscale shopping centers, international schools, and grocery stores catering to global tastes. Medical insurance is widely accepted, and services are tailored for those seeking high-quality urban convenience.
Expat Community Presence
Makati has a sizable and diverse expat population, drawn by its modern infrastructure, English-speaking environment, and proximity to essential services. Whether you're from Western Europe, North America, or elsewhere in SE Asia, Makati offers all the comforts needed to live comfortably in retirement.
San Juan, La Union – Beach Living with a Community Vibe
Why It’s Ideal San Juan in La Union has emerged as a tropical paradise with a youthful twist. Known as the surfing capital of Northern Luzon, this coastal town is perfect for retirees who value a laid-back atmosphere, natural beauty, and the chance to stay active with beachside living. It’s an excellent alternative for those who want to avoid the hustle of big cities but still have access to modern comforts.
Lifestyle Highlights
From sunrise yoga sessions and lazy afternoon café hopping to evening beach bonfires, San Juan offers a calm yet connected lifestyle. Beach walks, cultural festivals, and a growing art and wellness scene make everyday life enriching without the noise of more commercialized tourist areas.
Key Amenities
While smaller than other cities, San Juan offers rising infrastructure: boutique resorts, local and international dining, fiber-optic internet, and access to medical facilities in nearby San Fernando. Affordable cost of living, cheap transportation, and availability of essentials like grocery stores and pharmacies make it convenient for long-term living.
Expat Community Presence
San Juan is popular among younger expats, digital nomads, and retirees looking for simplicity, many of whom are drawn to its community-oriented vibe. It’s easy to make friends, join expat or surf communities, and enjoy a sense of belonging in this peaceful beach town.
Lucena City – Coastal Charm Without the Crowds
Why It’s Ideal Lucena City offers a unique mix of coastal tranquility and rural charm without the noise and congestion of major tourist destinations. Tucked along the Tayabas Bay coastline in Quezon Province, this mid-sized city provides a peaceful alternative for retirees who want to be near white sandy beaches, local markets, and scenic landscapes.
Lifestyle Highlights
Life in Lucena is refreshingly simple. With access to nearby islands, hidden waterfalls, and farm-to-table food culture, retirees can immerse themselves in both nature and community life. Enjoy leisurely days visiting nearby Pagbilao beaches, trekking to Kamay ni Hesus pilgrimage site, or relaxing at the city baywalk. The laid-back vibe makes it perfect for those who prefer peace and fresh air over high-rise views and nightlife.
Key Amenities
Lucena has all the essential services—from public and private hospitals to grocery stores, shopping centers, and a bus terminal offering direct access to Metro Manila. While not overflowing with luxury, it has the modern comforts needed to live comfortably. Cost of living is low, transportation is affordable, and medical facilities are within reach.
Expat Community Presence
Though not a major expat hub, Lucena attracts nature lovers, retirees seeking solitude, and Filipino returnees from abroad. Its affordable cost of living and proximity to diverse natural attractions make it an appealing base for long-term stays away from overly touristy areas.
Coron (Palawan Access via Luzon) – Island Life Done Right
Why It’s Ideal Coron offers a postcard-perfect retirement destination for nature lovers and marine adventurers. Coron Island is considered one of the most beautiful islands in the Philippines, renowned for its world class beaches, crystal-clear waters, and stunning limestone cliffs. Although technically in Palawan, Busuanga Airport provides direct access from Luzon, making Coron an increasingly viable option for retirees who want to live in a tropical paradise without giving up Luzon’s connectivity. Its pristine beauty, tranquil pace, and low population density are magnets for those seeking serenity by the sea.
Lifestyle Highlights
Coron is best known for its crystal-clear lagoons, towering limestone cliffs, and world-renowned dive sites like the WWII Japanese shipwrecks. Daily life here means fresh seafood, sun-drenched afternoons, and sunset boat rides. It’s ideal for retirees who enjoy snorkeling, island hopping, and spending quiet days surrounded by natural beauty.
Key Amenities
While Coron isn’t as developed as major cities, it has essential services like clinics, pharmacies, and local markets. The presence of eco-resorts, dive shops, and small expat-run businesses adds a touch of comfort. Access to groceries, fresh produce, and local transportation is straightforward, though large-scale shopping centers or hospitals require occasional trips to Puerto Princesa or Manila.
Expat Community Presence
Coron is home to a modest but growing expat community—mainly composed of divers, eco-enthusiasts, and digital nomads. While it's not a conventional retirement hub, its white sand beaches, tight-knit community, and affordable island living attract many looking to escape the busyness of urban life.
Vigan – Colonial Heritage and Slow Living
Why It’s Ideal Vigan is a UNESCO World Heritage Site that offers a one-of-a-kind setting for retirees who value history, culture, and tranquility. Located in Ilocos Sur, this heritage city is known for its well-preserved Spanish colonial architecture, calle crisologo cobblestone streets, and deep sense of community—perfect for retirees who prefer a peaceful retreat that feels like stepping back in time.
Lifestyle Highlights
Retirees in Vigan enjoy slow-paced living immersed in rich cultural heritage, where horse-drawn carriages share the roads with tricycles and locals greet each other by name. It’s a place where traditional crafts, cuisine, and festivals still thrive. You’ll enjoy morning walks around the plaza, local food like bagnet and empanada, and a close-knit social scene with warm Ilocano hospitality.
Key Amenities
While Vigan retains its small-town charm, it has modern amenities like grocery stores, medical clinics, and mobile connectivity. Nearby cities like Laoag or San Fernando provide additional healthcare and shopping centers, and the road network makes it fairly easy to travel across Northern Luzon.
Expat Community Presence
Vigan isn’t overrun with expats, but those who do retire here tend to stay for the quality of life, affordability, and strong sense of place. It attracts retirees who want to engage with local culture while still enjoying the comforts of modern infrastructure.
Batangas (Lipa City or Nasugbu) – Convenience Meets Coastline
Why It’s Ideal Batangas, particularly Lipa City and Nasugbu, offers the perfect balance between modern living and natural beauty. Situated just a short drive south of Metro Manila, it’s an ideal location for retirees who want to stay near the capital without the stress of big city life. Whether you’re drawn to mountain air in Lipa or beachfront serenity in Nasugbu, Batangas caters to different retirement styles.
Lifestyle Highlights
Enjoy weekend getaways to white sand beaches, dive sites, or tranquil mountain resorts. Lipa is known for its cooler climate, rich local food scene, and peaceful atmosphere, while Nasugbu offers resort-style coastal living with proximity to beautiful beaches and leisure activities like golf, boating, and hiking.
Key Amenities
Both Lipa and Nasugbu feature reliable healthcare facilities, modern grocery stores, and shopping centers. Lipa has several hospitals and private clinics, while Nasugbu provides quick access to resorts, essential services, and nearby Tagaytay for additional urban conveniences.
Expat Community Presence
Batangas has become increasingly popular with both local retirees and expat families due to its affordable cost of living, good infrastructure, and easy access to Metro Manila. The laid-back lifestyle, combined with modern comforts, makes Batangas a top retirement destination in Luzon.
Choosing the Right Place for You
Retiring in Luzon comes with a variety of options—but finding the right place starts with knowing what lifestyle you value most. Are you someone who thrives in a vibrant, cosmopolitan setting, or do you dream of waking up to the sound of waves in a tropical paradise?
If you prefer big city energy, places like Makati City or Angeles City offer everything from top-tier hospitals to shopping centers, nightlife, and international schools. For those craving a slower pace, destinations like San Juan, Lucena, or Coron deliver a laid-back atmosphere with access to natural beauty and tight-knit expat communities.
When comparing Luzon to other popular retirement destinations in the Philippines, consider Cebu City, a major urban center with international airports, hospitals, and shopping malls, offering a blend of city life and proximity to beaches. Davao City, the largest city in Mindanao, is known for its safety, balanced development, and high quality of life. Dumaguete City stands out for its laid-back lifestyle, expat-friendly community, and affordability, while Iloilo City is famous for its rich heritage, relaxed atmosphere, and diverse amenities. For nature lovers, Bohol’s Chocolate Hills are a notable natural attraction, often mentioned alongside waterfalls and Tarsier primates, making the region appealing for both visitors and expats.
Healthcare access is another key factor. Consider how close you’ll be to reputable medical facilities, especially if you plan to live in more rural or coastal areas. Also think about proximity to family, especially if your loved ones are based in Manila or plan to visit regularly.
The best part? Luzon’s modern infrastructure and easy access allow you to test the waters—take short-term stays or weekend trips to explore your options. Retirement is a big decision, and in Luzon, you have the freedom and flexibility to find the perfect fit before making it your new home.
Takeaway
From the cool breeze of Tagaytay to the cultural charm of Vigan, the sun-kissed shores of San Juan to the modern comforts of Makati City, Luzon offers endless opportunities for a fulfilling retirement. Whether you're drawn to the vibrancy of city life, the peace of mountain retreats, or the serenity of white sandy beaches, there's a corner of Luzon that can feel like home.
This island isn’t just the largest in the Philippines—it’s a hub of rich cultural heritage, affordable living, and strong expat communities. With modern infrastructure, English-speaking locals, and access to excellent healthcare, it stands out as one of Southeast Asia’s most ideal retirement destinations.
Ready to make your retirement dreams a reality?
We’d love to hear from you! Share your thoughts in the comments—whether you're planning a move, already living in Luzon, or just exploring your options. Let’s build a community of knowledge and inspiration for those chasing a tropical, comfortable, and culturally rich retirement.
Frequently Asked Questions (FAQ)
What is the best time of year to move to Luzon?
The ideal time to relocate is during the dry season, from November to May. Weather is generally sunny, with fewer typhoons and disruptions, making it easier to travel, explore neighborhoods, and set up utilities.
What kind of visa do I need to retire in the Philippines?
The Special Resident Retiree’s Visa (SRRV) is designed specifically for retirees. It offers multiple-entry privileges, indefinite stay, and access to benefits such as tax exemptions and visa-free travel in and out of the country. Minimum age is 50 (with a pension), or 35 (with higher financial requirements). Visit the Philippine Retirement Authority (PRA) website for full details.
Is medical insurance required to retire in the Philippines?
Yes. While the Philippines offers affordable healthcare, it’s wise to have international medical insurance or a local HMO plan that covers private hospitals, especially in cities like Makati, Angeles, or Baguio, where world-class facilities are available.
Do most locals speak English?
Yes. English is an official language in the Philippines and is widely spoken—especially in Luzon’s major cities and tourist areas—making communication easy for expats.
How much does it cost to live comfortably in Luzon?
It depends on location and lifestyle. In general, you can live comfortably on $1,000–$2,000 USD per month, including rent, food, utilities, and leisure. Metro areas like Makati or Subic may cost more, while smaller towns like Lucena or San Juan offer more affordability.
Can I buy property in Luzon as a foreigner?
Foreigners cannot own land outright but can own condominiums or lease property long-term (up to 50 years, renewable). Many expats choose to rent or purchase condos in areas like Tagaytay, Baguio, or Makati.
How do I access healthcare in smaller towns or rural areas?
While top-tier hospitals are found in urban hubs, smaller clinics and public hospitals are available in rural areas. Many retirees choose to live within driving distance of a major city for peace of mind.
Is transportation easy for retirees without a car?
Yes. In cities, you’ll find jeepneys, buses, tricycles, taxis, and ride-hailing apps like Grab. In more remote areas, having your own car or hiring a driver may offer more convenience.
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Beauty of Luzon ❤️
This blog curates the Best Place to Retire in Luzon: Top 10 Locations, guiding you through options suited to your lifestyle—whether you’re after tropical beaches, mountain cool, or urban amenities. Let’s explore where you can enjoy the best of your golden years in the heart of the Philippines, a popular destination for retirees and expats
From the cool breeze of Tagaytay to the cultural charm of Vigan, the sun-kissed shores of San Juan to the modern comforts of Makati City, Luzon offers endless opportunities for a fulfilling retirement.
Luzon have it all...