Top 10 Destinations for Retirees in the Philippines

Thinking About Retiring in the Philippines? Here’s Where to Start

The Philippines is a dream for a lot of retirees. It’s affordable, beautiful, and full of places that feel like paradise. With over 7,000 islands, there’s a spot here for just about every kind of lifestyle — from quiet beach towns to lively cities.

In this post, we’ll walk you through some of the most popular places to retire in the Philippines. We’ll talk about what makes each one special, from the cost of living and healthcare to things to do and the overall vibe.

Whether you want to sip coffee in the mountains or swim in crystal-clear waters, there’s a place here with your name on it.

1) Cebu Has a Bit of Everything

Cebu is one of those places that really has the best of both worlds. You get a modern city with malls, hospitals, and restaurants — but drive a little and you’re surrounded by beaches, waterfalls, and small towns that move at a slower pace.

It’s easy to see why a lot of expats retire here. The cost of living is manageable, healthcare is accessible, and there’s always something to do. Whether it’s exploring historic spots like Magellan’s Cross and the Basilica del Santo Niño or hopping on a boat to nearby islands, you won’t run out of weekend plans.

Plus, Mactan Island is just next door and known for its beach resorts. You can live in the city and still be at the beach in under an hour.

Cebu Lets You Live Comfortably Without Breaking the Bank

One of the best things about retiring in Cebu is how affordable life can be. Rent is reasonable, daily expenses like food and transport are budget-friendly, and you can live well without having to stress about every peso.

You get a higher quality of life for a lot less than what you’d pay back home.

Healthcare That’s Easy to Access and Easy to Understand

Cebu has a solid healthcare system with hospitals and clinics that are used to treating both locals and foreigners. Places like Chong Hua Hospital and Cebu Doctors’ University Hospital offer modern care, and the doctors and nurses usually speak fluent English.

That means less guessing and more peace of mind when it comes to your health.

Cebu Has a Story to Tell Around Every Corner

If you love history and culture, you won’t get bored here. Cebu is packed with interesting spots to explore

Magellan’s Cross is a major landmark that marks the start of Christianity in the country

The Basilica del Santo Niño is the oldest Roman Catholic church in the Philippines and still a big part of local life

Fort San Pedro gives you a quick trip back in time with its old stone walls and coastal views

Nature Is Just a Ride Away

Cebu has some of the best natural spots in the country. Whether you’re into diving, hiking, or just relaxing by the water, there’s always somewhere new to check out

Mactan Island is perfect for beach days, water sports, and snorkeling. It’s also close enough to make it a regular weekend thing

Kawasan Falls is a great place to cool off. You can swim or try canyoneering if you’re up for some adventure

Osmeña Peak is the highest point on the island and offers views that are seriously worth the hike

A Friendly Vibe and a Great Place to Make Friends

Cebu has a growing expat community, so it’s not hard to meet people and make new friends. You’ll find groups that organize meetups, tours, or just casual dinners. Plus, the locals are welcoming and always ready to help out.

With year-round festivals, beach trips, mountain hikes, and city life all rolled into one, it’s easy to see why Cebu is at the top of a lot of retirement lists.

2) Davao Is Clean, Calm, and Surprisingly Affordable

If Cebu’s mix of beach and city doesn’t quite fit what you’re looking for, Davao might just be your spot. It’s one of the cleanest and safest cities in the Philippines, with a super low cost of living.

You’ve got fresh air, green spaces, and easy access to nature — all while living in a well-organized city that still feels relaxed.

Cost of Living

Davao City offers a low cost of living compared to other urban areas in the Philippines. Housing, transportation, and daily expenses are affordable, allowing retirees to maintain a comfortable lifestyle without breaking the bank. Many expats find that their pensions or retirement savings stretch further in Davao.

Safety and Cleanliness

Davao is often praised for its safety and cleanliness. The city has implemented strict ordinances that promote a peaceful and orderly environment. Retirees can feel secure walking around the city and enjoying outdoor activities, making it an ideal location for those seeking a relaxed lifestyle.

Natural Attractions

Davao is rich in natural beauty, with several attractions that cater to nature enthusiasts:

• Mount Apo: As the highest peak in the Philippines, Mount Apo is a popular destination for hiking and adventure. Retirees can enjoy guided treks and take in the stunning views from the summit.
• Eden Nature Park: This beautiful eco-park offers a peaceful retreat with lush gardens, hiking trails, and opportunities to interact with nature. It’s an excellent spot for relaxation and leisurely walks.
• Philippine Eagle Center: Home to the critically endangered Philippine eagle, this conservation center educates visitors about wildlife preservation and the importance of protecting the country’s natural resources.

Healthcare Facilities

Davao boasts modern healthcare facilities, providing retirees with access to quality medical services. Hospitals like Davao Medical School Foundation Hospital and San Pedro Hospital offer a range of healthcare options, with many doctors fluent in English. This ensures that expats can receive the care they need without language barriers.

Community and Lifestyle

Davao has a friendly and welcoming expat community, making it easy for retirees to socialize and form connections. The city hosts various cultural events, festivals, and activities that encourage community involvement. With its vibrant local culture, delicious cuisine, and outdoor lifestyle, retirees in Davao can enjoy a fulfilling and engaging retirement experience.

3) Dumaguete Is Quiet, Friendly, and Full of Charm

Nicknamed the City of Gentle People, Dumaguete lives up to the hype. It’s small, walkable, and packed with friendly locals who genuinely make you feel welcome. For retirees, it offers that perfect mix of affordability, natural beauty, and a solid expat scene.

Whether you’re looking to slow things down or stay active with new hobbies, Dumaguete makes it easy to do both.

A Budget-Friendly Place That Feels Like Home

Life in Dumaguete is affordable across the board. Rent is low, food is cheap, and public transportation is simple and inexpensive. You can live well without needing a huge monthly budget, which makes it a top pick for retirees on a fixed income.

Healthcare That’s Close and Reliable

For a smaller city, Dumaguete has surprisingly good healthcare. There are several hospitals and clinics around town, and bigger facilities in nearby cities if you need something more specialized. Many doctors speak English, and getting an appointment usually doesn’t mean a long wait.

Nature, Beaches, and Waterfalls Just Minutes Away

You won’t have to go far to enjoy nature in Dumaguete. There are waterfalls, mountain views, and some of the best diving spots in the country all nearby

Apo Island is a short boat ride away and known for world-class snorkeling and sea turtles

Casaroro Falls is a hidden gem up in the hills — perfect for a short hike and a refreshing dip

Twin Lakes in the mountains give you cool air, great views, and peaceful boat rides

A City with a Creative and Academic Vibe

Dumaguete is also a university town, home to Silliman University — one of the oldest in the country. That gives the city a younger energy and a creative vibe you can feel in the cafés, bookstores, and art spaces.

If you’re into learning new things, writing, or the arts, you’ll feel right at home here.

A Strong Expat Community That Looks Out for Each Other

There’s a reason so many expats end up staying longer than planned. Dumaguete has a tight-knit community of retirees and digital nomads. There are social clubs, community events, and regular meetups that make it easy to connect with people.

Everyone looks out for each other, and locals are known for being respectful and kind — no wonder it’s called the City of Gentle People.

4) Baguio Brings Cool Weather and Mountain Views

If the tropical heat wears you down, Baguio might be exactly what you’re looking for. Known as the Summer Capital of the Philippines, this mountain city offers cooler weather year-round — which makes it a favorite for expats who want to stay active without melting in the sun.

With pine trees, scenic parks, and a strong sense of local culture, Baguio feels different from most other cities in the country.

Comfortable Living with a Laid-Back Pace

Baguio offers a simple, comfortable lifestyle that’s easy to settle into. Rent is still fairly affordable, and while it’s not the cheapest option on the list, many retirees find that the quality of life makes it worth it. Daily expenses like transportation, food, and utilities are manageable — especially if you live outside the city center.

A Climate That Lets You Keep the AC Off

One of the biggest draws here is the weather. With temperatures that often stay between seventeen and twenty six degrees, you don’t need air conditioning most of the year. It’s the kind of place where you can enjoy a walk in the park any time of day.

Nature Just Steps Away

Baguio makes it easy to enjoy the outdoors without going far

Burnham Park is in the heart of the city and perfect for bike rides or lazy afternoon strolls

Camp John Hay offers pine forests, hiking trails, and quiet picnic spots

Strawberry farms in nearby La Trinidad are a fun and tasty day trip

Healthcare Is Close and Reliable

Baguio has several well-equipped hospitals and medical centers, including Baguio General Hospital and Saint Louis University Hospital. Many healthcare providers speak English, and you’ll find a good mix of public and private options for checkups, treatments, or emergencies.

A City Full of Culture and Creativity

Baguio isn’t just about fresh air. It’s also known for its arts scene, local crafts, and cultural festivals. The Panagbenga Flower Festival is a major event that fills the city with color, music, and energy every year.

There are art galleries, cafés, weekend markets, and creative communities all over town — especially around the Session Road and Bencab Museum areas.

A Few Challenges to Be Aware Of

Baguio is a popular destination, and that means crowds — especially on weekends and holidays. Traffic can be frustrating, and parking is a constant challenge. Some parts of the city can feel a bit packed, especially during peak tourist season.

But for many retirees, the fresh mountain air, friendly people, and laid-back lifestyle more than make up for the downsides.

5) Iloilo Feels Like Home Right Away

Iloilo City is starting to show up on more and more expat radar screens — and for good reason. It’s affordable, full of history, and has that small-city charm that makes it easy to settle in. From its tasty local food to its old churches and super friendly locals, Iloilo offers a warm, welcoming vibe that feels like home the moment you arrive.

Iloilo Lets You Slow Down and Savor Life

Life moves at a more relaxed pace in Iloilo and that’s exactly what makes it great for retirees. With friendly locals, deep cultural roots, and amazing food around every corner, this city makes it easy to feel like you belong. It’s affordable, welcoming, and full of charm that sneaks up on you in the best way.

A Comfortable Lifestyle That Doesn’t Cost Much

One of the biggest draws here is how far your money goes. Housing is affordable, food is cheap and delicious, and transportation is simple and budget-friendly. Local markets and eateries make it easy to enjoy fresh meals without spending a lot. You get comfort without the high price tag.

History and Culture on Every Street

Iloilo is packed with beautiful old buildings, churches, and museums that make exploring the city feel like a history walk

Jaro Cathedral is one of the city’s most iconic landmarks. Its bell tower and architecture are stunning and it’s a great place to learn about Iloilo’s religious heritage

Molo Church stands out with its Gothic design and all-female lineup of saints. It’s peaceful, elegant, and full of character

The Iloilo Museum of Contemporary Art is a must-visit if you enjoy local creativity. It’s a modern space that celebrates artists from all over the Philippines

Food That’s Worth Moving For

Iloilo is famous for its food and you don’t have to go far to find something amazing to eat

La Paz Batchoy is a local favorite with rich noodle soup, pork, beef, and crunchy chicharrón

Pancit Molo is a comforting dumpling soup that’s perfect on a rainy afternoon

Inasal na Manok is grilled chicken with bold flavor usually served with rice and dipping sauce

A Community That Welcomes You In

People in Iloilo are friendly, open, and always ready to help. It’s easy to strike up a conversation or find your place in the community. Festivals and local events happen throughout the year and they’re great opportunities to join in and get to know your neighbors.

Healthcare That’s Reliable and Close By

Iloilo has several hospitals that provide solid care including Iloilo Doctors’ Hospital and Western Visayas Medical Center. Most doctors speak English and getting an appointment isn’t usually a hassle. You’ll have peace of mind knowing quality care is close when you need it.

Enjoy the Outdoors at Your Own Pace

You don’t have to travel far to find peaceful beautiful spots

The Iloilo River Esplanade is perfect for morning walks, afternoon bike rides, or just watching the world go by

Nearby Guimaras Island is a quick boat ride away and known for its white sand beaches and sweet mangoes. It’s the perfect weekend getaway when you want a change of scenery

6) Angeles City Keeps Things Lively and Easy to Access

If you’re looking for a retirement spot with energy, convenience, and a strong expat scene, Angeles City might be the one. Known for its nightlife and social scene, it’s a favorite for retirees who want to stay active and connected. With Clark International Airport nearby, it’s also super easy to travel in and out of the country whenever you feel like it.

Angeles City Keeps Things Lively and Easy to Access

If you’re looking for a retirement spot with energy, convenience, and a strong expat scene, Angeles City might be the one. Known for its nightlife and social scene, it’s a favorite for retirees who want to stay active and connected. With Clark International Airport nearby, it’s also super easy to travel in and out of the country whenever you feel like it.

A Nightlife Scene That’s Always Buzzing

Angeles City is famous for its nightlife and it’s easy to see why. There’s something going on every night of the week and plenty of places to kick back or let loose

Walking Street is the center of it all. This lively strip is packed with bars, clubs, and restaurants. You’ll find live music, themed bars, and a social atmosphere that’s always buzzing

There are bars and clubs for every mood. Some spots are perfect for a quiet drink while others bring in DJs, live bands, and themed events. You can sing karaoke, play pool, or just enjoy the people-watching

If you’re in the mood for something more cultural, a few venues offer traditional Filipino shows with dancing, music, and a taste of local heritage

A Food Scene That Covers All the Cravings

Angeles City isn’t just about nightlife. The food scene here is just as active and varied. Whether you’re into local dishes or international favorites, you’ll find plenty to love

Street food is everywhere and full of flavor. Try sizzling sisig, grilled meats, or crispy lumpiang shanghai. It’s fast, tasty, and very affordable

If you’re in the mood for something more upscale, there are lots of restaurants that offer fine dining with local and global menus. Perfect for a special evening or just a change of pace

History and Culture Mixed In

Beyond the party scene, Angeles City has plenty of culture and history to check out during the day

You can visit historical spots like Holy Rosary Parish Church and Bayanihan Park for a glimpse into the city’s past

Museo ning Angeles is a small but interesting museum that showcases the city’s art and history

Just a short ride away, the Clark Freeport Zone offers golf courses, duty-free shops, and resorts. It’s also a former US military base with its own stories to tell

Travel Is Simple with the Airport Next Door

One of the best things about living in Angeles City is how close you are to Clark International Airport. That means quick access to both domestic and international flights. Whether you want to explore more of the Philippines or hop over to another country, travel is quick and easy

A Social Scene That’s Easy to Join

Angeles City has a big and active expat community. There are social clubs, hobby groups, and events that make it easy to meet people and stay connected. You’ll find a good mix of longtime residents and new arrivals who are always up for a chat or a shared activity

The city is friendly, outgoing, and full of opportunities to stay involved and enjoy a fun, engaging lifestyle

7) Siargao Is for Ocean Lovers and Laid-Back Living

If you’ve ever dreamed of retiring on a quiet island with palm trees, clear blue water, and good vibes all around, Siargao might be your spot. Known for its world-class surf and chill beach lifestyle, this island has become a favorite for expats and retirees who want to slow things down and soak up island life. The locals are welcoming, the community is tight-knit, and the natural beauty is just unreal.

Siargao Is for Ocean Lovers and Laid-Back Living

If you’ve ever dreamed of retiring on a quiet island with palm trees, clear blue water, and good vibes all around, Siargao might be your spot. Known for its world-class surf and chill beach lifestyle, this island has become a favorite for expats and retirees who want to slow things down and soak up island life. The locals are welcoming, the community is tight-knit, and the natural beauty is just unreal.

Surfing and Water Adventures for Every Level

Siargao is known as the surfing capital of the Philippines and it’s easy to see why. The island has surf breaks for all levels, from total beginners to seasoned pros

Cloud 9 is the island’s most famous surf spot. Its powerful waves attract surfers from around the world and it’s often the site of international competitions

If you’re new to surfing, spots like General Luna and Daku Island offer smaller waves and lots of surf schools with local instructors ready to help you learn

It’s not just about surfing either. You can try paddleboarding, kayaking, snorkeling, or diving. The marine life and coral reefs are full of color and perfect for nature lovers

Beaches That Feel Like Postcards

Siargao is packed with beautiful beaches and each one has its own vibe

Sugba Lagoon is a calm, crystal-clear lagoon surrounded by forest. It’s great for kayaking, swimming, or just relaxing with a view

Naked Island is exactly what it sounds like. Just a long stretch of white sand with nothing else around. It’s quiet, peaceful, and perfect for a picnic or sunbathing

Seychelles Beach is another favorite. Powdery white sand, clear water, and hardly any crowds. It’s the kind of place where you forget what day it is

A Community That’s Warm and Welcoming

One of the best parts of Siargao is the people. The locals are kind and always happy to help, and the expat community is growing steadily

Events like the Siargao Surf Festival bring people together with music, competitions, and cultural activities. These gatherings are a fun way to meet new friends and get involved

The food scene is also something to enjoy. You’ll find local eateries serving up fresh seafood and Filipino dishes alongside cafés and restaurants offering international flavors. Whether it’s grilled fish by the beach or smoothie bowls in a garden café, there’s something for everyone

Nature Just Keeps Going

Siargao isn’t only about beaches. The inland parts of the island are just as stunning

You can paddle through mangrove forests and explore the island’s quiet side while learning about local wildlife and ecosystems

Island hopping is a must. Daku Island, Guyam Island, and Naked Island are all just a short boat ride away and each one offers its own slice of paradise

Basics Are Covered Even in Island Life

Even though Siargao is more remote than cities like Cebu or Davao, you still have access to what you need. There are clinics and small hospitals around General Luna and nearby towns for basic medical care

You’ll also find grocery stores, local markets, and shops for everyday needs. While things might be a little simpler here, retirees often find that’s part of the charm

8) Palawan Is Where You Go to Get Away From It All

Often called the last frontier of the Philippines, Palawan is the kind of place that feels like a true escape. It’s quiet, breathtakingly beautiful, and still largely untouched by big city life. With its crystal-clear waters, hidden lagoons, and lush green landscapes, Palawan is perfect for retirees who want peace, nature, and a slower pace surrounded by stunning views.