Best Places to Retire in the Philippines
- KGM Resorts
- Jun 21
- 10 min read
Updated: Jun 22
Peace, Charm & Low-Cost Living
The Philippines has quietly become one of the most attractive retirement destinations in Southeast Asia—and for good reason. With its warm tropical climate, welcoming English-speaking communities, and low cost of living, the country offers a lifestyle that’s both affordable and enriching. Retirees from around the world are drawn to the archipelago’s more than 7,000 islands, each offering a unique mix of scenic landscapes, cultural charm, and opportunities for relaxation or adventure.
Whether you're seeking a laid-back coastal town, a cool mountain retreat, or a vibrant urban center with access to modern healthcare, the Philippines provides diverse options to suit every lifestyle. What’s more, the country’s friendliness, strong family values, and accessible retirement visa programs make the transition easier for foreign retirees.
In this guide, we’ll take you through ten of the best places to retire in the Philippines—locations that combine peace of mind with natural beauty, convenience, and community. Whether you’re planning to make the move soon or simply exploring possibilities, this list will help you discover the perfect place to call your second home.
Table of Contents Best Places to Retire in the Philippines
Tagaytay – Cool Climate and Scenic Views
Perched along a ridge in Cavite, just two hours south of Metro Manila, Tagaytay is one of the most popular retirement destinations in the Philippines. Its cool, mild climate is a welcome escape from the tropical heat found in much of the country, making it especially attractive to retirees who enjoy mountain breezes and lush landscapes.
Perks: Tagaytay offers a laid-back lifestyle with easy access to modern conveniences. It’s close enough to Manila for weekend visits or specialized healthcare, yet far enough to enjoy a slower, quieter pace of life. Local hospitals, wellness centers, and private clinics serve both locals and expats.
Activities: Retirees can enjoy a variety of leisure activities, including golfing at nearby country clubs, shopping at weekend markets, and dining with panoramic views of Taal Volcano and Lake. The city’s food scene, known for bulalo (beef marrow soup) and fresh produce, adds to its charm.
Why Retire Here: Tagaytay offers the best of both worlds—natural beauty and urban convenience. It’s safe, well-maintained, and has a strong sense of community, making it an ideal choice for those seeking a peaceful and scenic retirement setting within reach of a major city.
Dumaguete – “City of Gentle People”
Known as the “City of Gentle People,” Dumaguete in Negros Oriental is a favorite among retirees seeking a charming coastal town with a friendly, laid-back atmosphere. Its combination of low living costs, walkable streets, and scenic seaside views makes it one of the most livable cities in the Philippines.
Perks: Dumaguete has long attracted a growing expat population thanks to its affordability, access to healthcare, and strong sense of community. English is widely spoken, and essential services—from hospitals to banking—are easily accessible.
Activities: Life in Dumaguete centers around its vibrant yet unhurried rhythm. Retirees can stroll along Rizal Boulevard, attend cultural events at Silliman University, or take weekend trips to nearby Apo Island for world-class diving and snorkeling. Local markets offer fresh produce, seafood, and handmade goods.
Why Retire Here: Dumaguete combines the energy of a university town with the serenity of coastal living. Its welcoming locals, reliable amenities, and proximity to natural wonders make it a top pick for retirees seeking both comfort and adventure in their golden years.
Baguio – The Summer Capital
Perched high in the Cordillera Mountains of northern Luzon, Baguio is beloved for its refreshing climate, pine-scented air, and vibrant culture. Known as the Summer Capital of the Philippines, this mountain city has long been a retreat for locals and expatriates alike seeking respite from the tropical heat.
Perks: Baguio offers cool weather all year round, which makes it ideal for retirees who prefer a temperate climate. It has a well-established healthcare system, a wide range of housing options, and access to daily essentials via its bustling public markets and malls.
Activities: The city is rich in parks, gardens, and cultural centers. Retirees can enjoy leisurely walks at Burnham Park, visit art museums like BenCab Museum, explore local cafes, or shop for fresh produce and crafts at the Baguio Public Market. The city also hosts festivals like Panagbenga (Flower Festival) and art fairs throughout the year.
Why Retire Here: Baguio’s combination of clean mountain air, artistic energy, and historical character offers a peaceful yet engaging lifestyle. It’s a place where retirees can relax, reflect, and enjoy a culturally rich environment surrounded by scenic beauty.
Cebu City – Urban Comfort Meets Island Life
As the Queen City of the South, Cebu City offers the perfect blend of modern convenience and natural charm. It's one of the most developed cities in the Philippines outside Metro Manila, yet it remains just minutes away from idyllic beaches, mountain retreats, and cultural sites.
Perks: Cebu boasts world-class hospitals, shopping centers, international airports, and a wide array of residential options—from high-rise condos to seaside homes. It also has a significant expat and retiree population, creating a welcoming environment for foreigners settling in the country.
Activities: Retirees can dive into Cebu’s rich cultural heritage by visiting historical landmarks like Magellan’s Cross and Fort San Pedro. Popular activities include snorkeling and island-hopping in nearby Mactan and Moalboal, joining vibrant festivals like Sinulog, or enjoying the city’s renowned lechon and local delicacies.
Why Retire Here: Cebu City offers a rare balance: the convenience of an urban center with the beauty and pace of island life. For retirees who want access to everything—healthcare, entertainment, travel hubs—while still enjoying coastal serenity, Cebu is an ideal choice.
Iloilo City – Heritage and Modernity
Known as the “Heart of the Philippines,” Iloilo City offers a peaceful yet progressive environment that appeals to retirees seeking a slower pace of life without sacrificing urban comforts. It’s a city where heritage churches, Spanish-era mansions, and riverfront esplanades coexist with rising condominiums and business hubs.
Perks: Iloilo is praised for its wide, traffic-light roads, reliable public services, and accessible healthcare facilities. It’s one of the most livable cities in the country, with a reputation for cleanliness, order, and safety. The growing presence of foreign retirees and professionals adds to its welcoming atmosphere.
Activities: Enjoy leisurely strolls along the Iloilo River Esplanade, visit the centuries-old Miagao Church (a UNESCO World Heritage Site), or explore the nearby island of Guimaras—famous for its sweet mangoes and white-sand beaches. The city also boasts a vibrant food scene, from authentic Ilonggo cuisine to upscale dining options and don't forget the Dinagyang Festival.
Why Retire Here: Iloilo City combines the charm of heritage towns with the efficiency of a modern city. Its calm, community-centered lifestyle, solid infrastructure, and scenic surroundings make it a top choice for retirees who value both culture and convenience.
Bacolod – The City of Smiles
Famous for its warm hospitality and laid-back charm, Bacolod City offers an ideal retirement haven for those seeking simplicity, friendliness, and a cost-effective lifestyle. Known as the “City of Smiles” for its cheerful people and vibrant MassKara Festival, Bacolod welcomes retirees with open arms and a strong sense of community.
Perks: Bacolod boasts minimal traffic, clean streets, and a slower pace of life. It’s surrounded by sugarcane plantations and rolling countryside, offering scenic drives and peaceful surroundings. The city is also home to quality hospitals and reliable services—all at a fraction of the cost compared to bigger urban centers.
Activities: Explore the cultural richness of Negros Occidental through visits to ancestral homes like The Ruins in nearby Talisay. Enjoy delicious Negrense cuisine—particularly chicken inasal and sweet pastries. Don’t miss the colorful MassKara Festival every October, a celebration of music, dance, and resilience.
Why Retire Here: Bacolod offers a relaxed, affordable lifestyle in a friendly and culturally rich environment. With its low cost of living, manageable size, and warm local community, it’s no wonder Bacolod continues to attract both local and foreign retirees seeking comfort and cheer.
Cagayan de Oro – Adventure and Accessibility
Cagayan de Oro, often called the “City of Golden Friendship,” blends urban convenience with access to thrilling outdoor experiences—perfect for retirees who enjoy an active lifestyle without giving up modern amenities. Located in Northern Mindanao, it serves as a central hub with easy connections to other parts of the Philippines.
Perks: The city has a well-connected airport (Laguindingan International Airport), reputable hospitals, shopping centers, and an emerging expat-friendly community. Despite being a regional center, the cost of living remains low, making it an appealing option for budget-conscious retirees.
Activities: Cagayan de Oro is the country’s whitewater rafting capital, offering year-round river adventures on the Cagayan River. Retirees can also enjoy scenic treks to nearby mountains, day trips to Camiguin Island, or visits to waterfalls and eco-parks within Misamis Oriental.
Why Retire Here: If you’re looking for a retirement destination that combines comfort and adventure, Cagayan de Oro hits the mark. It’s an excellent base for exploring Northern Mindanao while enjoying the perks of a mid-sized, welcoming city that’s both accessible and full of energy.
Subic Bay Freeport Zone – Clean, Organized, and Secure
Subic Bay Freeport Zone, a former U.S. naval base turned special economic zone, is one of the most well-planned and secure areas in the Philippines. Known for its clean environment, strict zoning regulations, and peaceful atmosphere, Subic is an attractive option for retirees who value structure, safety, and convenience.
Perks: As a duty-free zone, Subic offers tax-exempt shopping and a wide selection of imported goods. The area features reliable utilities, wide roads, low traffic, and modern healthcare services. Its expat-friendly policies and English-speaking population make integration smooth for foreign retirees.
Activities: Subic is ideal for leisurely living—play a round of golf, enjoy yacht sailing in Subic Bay, or visit Zoobic Safari and the Ocean Adventure marine park. Nearby beaches and forest reserves offer natural retreats just minutes from residential zones.
Why Retire Here: Subic Bay combines suburban comfort with coastal beauty and tight security. Its organized layout, accessible amenities, and calm lifestyle make it one of the most retirement-ready destinations in the country, especially for those seeking peace of mind and quality living standards.
Puerto Princesa, Palawan – Nature-Lover’s Retreat
For retirees seeking peace, greenery, and a deep connection with nature, Puerto Princesa is a top choice. As the capital of Palawan, this eco-friendly city is known for its cleanliness, environmental consciousness, and laid-back pace of life.
Perks: Puerto Princesa offers a pristine environment, low crime rates, and a growing healthcare system. It’s less congested than major cities and provides a refreshing alternative with fresh air, lush forests, and clean coastlines. The cost of living is affordable, and many locals speak English, making daily life manageable for expats.
Activities: Famed for the Puerto Princesa Subterranean River National Park—a UNESCO World Heritage Site—the city is also a jump-off point for island hopping in Honda Bay, firefly-watching tours, and mangrove explorations. Markets, seafood restaurants, and beach walks offer a calm, fulfilling routine.
Why Retire Here: Puerto Princesa is perfect for retirees who prefer a quiet, nature-immersed lifestyle. Its commitment to sustainability, natural beauty, and stress-free environment makes it an ideal haven for those looking to retire close to paradise.
Siargao – Laid-Back Island Living
Known as the surfing capital of the Philippines, Siargao has evolved into more than just a haven for wave chasers. It now attracts retirees drawn to its unhurried lifestyle, natural beauty, and growing yet low-key community.
Perks: Siargao offers a close-knit, welcoming atmosphere where locals and expats easily connect. While the island retains its rustic charm, it has seen a steady rise in healthcare access, boutique accommodations, and modern conveniences. The cost of living is manageable, and fresh produce and seafood are abundant.
Activities: Beyond surfing at Cloud 9, retirees enjoy morning beach walks, island-hopping adventures, yoga classes, and visiting inland gems like Sugba Lagoon and Magpupungko Rock Pools. The island's calm pace promotes wellness and mindfulness—perfect for those wanting to slow down.
Why Retire Here: Siargao appeals to retirees who value simplicity, community, and a nature-centered life. With its raw beauty, laid-back rhythm, and increasing infrastructure, it offers a refreshing escape from urban stress while still keeping you connected to essentials.
Frequently Asked Questions (FAQ)
Q: Is the Philippines a good place for foreigners to retire?
A: Yes, the Philippines is considered one of the best retirement destinations in Southeast Asia. It offers low cost of living, English-speaking communities, friendly locals, and beautiful tropical surroundings—making it especially appealing to Western retirees.
Q: Can foreigners' own property in the Philippines?
A: Foreigners cannot own land in the Philippines but may legally own condominium units and buildings. Long-term land leases are also an option for those wanting to build a home.
Q: How much do I need monthly to retire comfortably in the Philippines?
A: On average, retirees can live comfortably on $1,000 to $2,000 USD per month, depending on location and lifestyle. Cities like Manila and Cebu are more expensive, while smaller towns and islands are more budget friendly.
Q: Is healthcare accessible and affordable in the Philippines?
A: Yes, major cities like Cebu, Iloilo, and Manila have quality private hospitals with affordable care. Many retirees also use PhilHealth, the national health insurance program, alongside private insurance.
Q: Is it safe to retire in the Philippines?
A: Most areas popular with retirees—such as Dumaguete, Tagaytay, and Bacolod—are considered safe. Like anywhere, safety improves with local knowledge, situational awareness, and living in well-chosen communities.
Q: What visa options are available for retirees?
A: The Philippines offers the Special Resident Retiree’s Visa (SRRV), which grants permanent residency and multiple-entry privileges. It requires a minimal deposit and proof of pension or income.
Q: Can I access my pension or Social Security in the Philippines?
A: Yes. Many foreign retirees receive pensions via international bank transfers or through local banks that accept global remittances. ATMs and international banking are widely available.
Q: Do I need to learn Filipino or a local dialect?
A: Not necessarily. English is widely spoken throughout the Philippines, especially in urban areas and tourist destinations, which makes daily life much easier for expats and retirees.
Takeaway
The Philippines offers a wide array of retirement destinations—from the cool highlands of Baguio and Tagaytay to the sunny shores of Cebu, Siargao, and Palawan. Whether you prefer vibrant city living with modern amenities or the slow-paced charm of island life, there’s a place that suits your vision of a peaceful and fulfilling retirement.
Before making a decision, take time to visit and experience these locations firsthand. Each community offers something unique in terms of lifestyle, cost, healthcare, and recreational opportunities.
Are you already living in the Philippines or planning your move? Share your thoughts, questions, or favorite retirement spots in the comments—we’d love to hear your story or help guide your next steps.
Retiring in the Philippines is about more than sunshine and affordability—it’s a choice of HOW you want to live your golden years.
Philippines 🇵🇭
The Philippines has quietly become one of the most attractive retirement destinations in Southeast Asia—and for good reason.♥️♥️♥️
Still a long way for retirement but Cebu City is a great choice to settle for good.