The Philippines is a top retirement destination for expats seeking sunshine, affordability, and a relaxed lifestyle. But where you choose to settle matters greatly—especially after 60. Some cities offer great healthcare access and social life, while others boast natural beauty and a slower pace. This guide explores the best places to retire across the country, comparing cost of living, healthcare, expat community presence, and lifestyle amenities.
🇵🇭 Why Retire in the Philippines?
- English is widely spoken
- Low cost of living
- Warm climate year-round
- Access to quality healthcare in private hospitals
- SRRV retirement visa with easy eligibility
🏙️ Top Cities to Retire in the Philippines
1. Dumaguete (Negros Oriental)
- Known for: Relaxed vibe, low costs, vibrant expat community
- Pros: Coastal city, walkable, healthcare access
- Monthly Budget: $700–$1,200
- Why it’s ideal: Peaceful yet social; ideal for retirees looking for tranquility and community
2. Tagaytay (Cavite)
- Known for: Cool climate, scenic views of Taal Volcano
- Pros: Close to Manila, less humid, low crime
- Monthly Budget: $1,000–$1,500
- Why it’s ideal: Popular for weekend homes, perfect for those wanting cool weather and proximity to Manila’s healthcare
3. Cebu City (Cebu Island)
- Known for: Urban comforts + beach access
- Pros: Big expat community, top private hospitals, flights abroad
- Monthly Budget: $1,100–$1,800
- Why it’s ideal: Great mix of city life, medical care, and island hopping
4. Baguio City (Benguet)
- Known for: High-altitude mountain town
- Pros: Cool temperatures, no need for AC, large senior population
- Monthly Budget: $800–$1,200
- Why it’s ideal: For retirees seeking a European climate with Philippine charm
5. Iloilo City (Panay Island)
- Known for: Heritage architecture, safe streets, friendly locals
- Pros: Low traffic, clean air, growing medical sector
- Monthly Budget: $800–$1,300
- Why it’s ideal: Up-and-coming destination for relaxed city living with cultural flavor
6. Subic Bay (Zambales)
- Known for: Cleanliness, former US naval base area
- Pros: Well-organized, western-style housing, cooler at night
- Monthly Budget: $1,000–$1,400
- Why it’s ideal: Ideal for those who want western-style amenities and cleaner environment
📋 Comparison Table of Top Retirement Cities
| City | Healthcare Access | Cost of Living | Climate | Expat Community | Safety |
|---|---|---|---|---|---|
| Dumaguete | Good | Low | Tropical | Strong | High |
| Tagaytay | Very Good | Medium | Cool | Moderate | High |
| Cebu City | Excellent | Medium-High | Tropical | Strong | Medium |
| Baguio | Good | Medium | Cool | Moderate | High |
| Iloilo | Good | Low-Medium | Warm | Growing | High |
| Subic Bay | Good | Medium | Warm | Moderate | High |
🏡 What to Consider When Choosing a City
1. Access to Healthcare
Look for cities with private hospitals and English-speaking staff. Cebu, Manila (if nearby), and Iloilo stand out.
2. Cost of Living vs Comfort
Balancing budget and amenities is key. Dumaguete is great for minimal expenses, while Cebu suits those with higher pensions.
3. Lifestyle Preferences
- Love beaches? Choose Cebu or Subic.
- Prefer cooler climates? Baguio or Tagaytay.
- Enjoy culture? Iloilo and Dumaguete.
4. Community Support
Cities with strong expat presence offer better networking, local guides, and social life.
🧾 Real Testimonials from Expats
“I never thought I’d love a city until I found Dumaguete. It’s peaceful, clean, and full of friendly people.” – George, 67 (US)
“Tagaytay gives me cool weather and a quick drive to Manila’s top hospitals. The best of both worlds.” – Linda, 70 (UK)
“Cebu has everything I need: malls, doctors, beaches, and friendly expats. It’s my forever home.” – Antonio, 64 (Spain)
🙋 Frequently Asked Questions
Is it safe to retire in provincial cities?
Yes. Most expat towns like Dumaguete, Iloilo, and Tagaytay are known for being safe and foreigner-friendly.
How do I visit these cities before choosing?
Take a 3-week scouting trip. Stay in Airbnb or serviced apartments. Connect with expat forums or local FB groups.
Can I rent before deciding to buy?
Yes—and highly recommended. Most expats rent for 6–12 months first.
What’s the best city for solo retirees?
Cebu and Dumaguete offer active expat groups and social events.
🧠 Final Thoughts
The Philippines offers a wide variety of retirement options, from modern cities to relaxed coastal towns. Your ideal destination depends on your health needs, climate preference, and budget. Whether it’s the cool mountain air of Baguio or the beachside peace of Dumaguete, there’s a perfect place for you to enjoy retirement over 60.
Visit a few before settling, talk to fellow retirees, and consider renting short-term before buying. With the right choice, retiring in the Philippines can be the most rewarding chapter of your life.
