![Americans Guide for Moving to the Philippines [For Expats]](https://veronicahanson.com/wp-content/uploads/2025/03/Americans-Moving-to-Philippines-728x546.jpg)
![Americans Guide for Moving to the Philippines [For Expats]](https://veronicahanson.com/wp-content/uploads/2025/03/Americans-Moving-to-Philippines-728x546.jpg.webp)
My family explored the Philippines on a tourist visa. We spent half our trip in Manilla and the other half in Cebu while we pondered moving to the Philippines.
If you are bringing US dollars to spend then your buying power is very strong compared to the Philippine peso. In terms of balance between services and cost you would be hard-pressed to find a better option as a retiree.
Our real concern about moving to the Philippines was the education system and the constant power failures. Those aspects of life aren’t as important if you are looking at the Philippines as a retirement destination.
Skip to:
- Retire in Philippines
- Family Life in Philippines
- Pros & Cons of Living in Philippines
- Visa Options for US Citizens
- Cost of Living in Philippines
- Life in Philippines as an Expat
- Plan Your Move to Philippines
Why Are Americans Moving To The Philippines?
Many Americans are choosing the Philippines as their new home. One big reason is the very low cost of living. You can enjoy a comfortable lifestyle on a tight budget. This is appealing for those looking to stretch their retirement savings or reduce living expenses.
The Philippines is also famous for its beautiful landscapes. With stunning beaches, tropical weather, and lush mountains, it’s a paradise for nature lovers. If you enjoy the outdoors, you’ll find many adventures waiting.
Friendly locals make it easy to feel at home. Filipinos are known for their hospitality. You might make friends easily and find a warm sense of community.
The expat community in the Philippines is growing. You can connect with other Americans and British nationals enjoying the same experience. This network can help you adapt to living in a new country.
Another draw is the English language. As one of the official languages, you’ll have little trouble communicating. This makes managing daily tasks and navigating the country much easier.
For those considering moving to the Philippines, these factors make it an attractive option.
Who I Am & How I Can Help You Move Abroad
I’m Veronica, an American expat who left the grind behind and built a life of global freedom. If you’re ready to move abroad but feel stuck on where to go, how to qualify for a visa, or what to do next, I can help.
My Exit Plan Coaching Call is designed to give you a clear, step-by-step plan to make your move happen—whether you’re a digital nomad, retiree, or relocating with family. We’ll map out the best visa options, discuss affordable living, and create a strategy tailored to your financial situation and goals.
Don’t let uncertainty hold you back—book your Exit Plan Call today and start your journey abroad with confidence. [Schedule your call here →]
Retirement In The Philippines
Retiring in the Philippines can be a popular option using the special resident retiree visa. Silver hair as they are called enjoy the tropical climate and affordable living costs. When moving to the Philippines, it’s crucial to understand the retirement options available.
Living in the Philippines offers a relaxed lifestyle and diverse culture. English is widely spoken, making communication easier for expats. The friendly locals and scenic views make it appealing to many retirees.
Healthcare is generally good, especially in urban areas. It’s advisable to have health insurance, although costs are usually lower compared to the West.
People who retire here enjoy a variety of activities. From beautiful beaches to lively city centers, there’s plenty to explore. Gaining a sense of community is also easy among expats.
With its welcoming atmosphere, retiring in the Philippines can be rewarding.
Moving Your Family To The Philippines
Thinking about moving to the Philippines with your family takes some creative planning. A digital nomad visa framework has been approved by Philippine authorities but it is not in effect yet, nor have the exact details been worked out.
However, the good news is that a sub-program under the retirement program called the SRRV Smile can offer a path for family relocation.
Visas
Under the SRRV Smile program, an adult who is 35+ years of age can deposit $20,000 into an approved retirement account in the Philippines and gain access to residency. That financial commitment allows 2 dependents, which can include spouses or children. For every additional member of your family who will be moving, an additional deposit of $15,000 is required. These funds are used as security for your stay and will be returned if you change visa types or move away.
Education
The Philippines offers various options like private and international schools. Private schools are lower cost but, could have quite a bit of instruction in the local language. Major cities are usually the locations of international schools and that is one of the main reasons most families choose to live in metropolitan areas instead of directly on the white sandy beaches.
Housing
Securing long-term housing as foreign nationals requires local expertise. Interview some real estate professionals by asking them to compile a list of properties fitting your specifications. I have found that some agents are better than others at understanding basic facts and specific needs. Remember, housing quality varies greatly in developing countries so you may need to adjust your expectations.
Culture and Language
Understanding the local culture and language will ease your transition. Immigrants coming from Western countries may be a bit put off by the concept of Filipino time and the pace at which life exists. I urge foreigners to start their new lives with patience and flexibility. Tagalog is widely spoken, but English is also common, which is helpful for international family members.
Preparing to leave your home country is a big decision, but Philippine culture is a brand new adventure.
Pros Of Moving To The Philippines
Moving to the Philippines offers many benefits. This island country is known for its warm climate, which you might enjoy all year round. The weather is perfect for exploring the beautiful beaches and lush landscapes.
Housing and living expenses are generally affordable. You can find inexpensive groceries and restaurants, making day-to-day life budget-friendly. Living in the Philippines can be a great choice if you’re looking for ways to save money.
The Philippines is an ideal destination for a long term stress free life. With easy visas and a welcoming environment, you can set up your work-life balance amidst stunning views. English is widely spoken, ensuring that communication won’t be a hurdle.
There are plenty of options for exploration. Discover some of the best islands and beaches, from Boracay’s white sands to Palawan’s stunning views. These destinations offer endless opportunities for leisure and adventure.
The locals are known for being friendly and sociable. You’ll find it easy to make new friends and build connections. Whether you’re in bustling cities or quieter regions, you’ll feel welcomed and at home.
Cons Of Moving To The Philippines
When moving to the Philippines, safety can be a major concern. Large cities like Manila sometimes have higher crime rates. It’s smart to stay alert and be aware of your surroundings, especially in crowded areas.
Transportation can be a challenge. Traffic jams in Metro Manila are common and public transport can be unreliable and crowded. This might make daily commuting stressful.
The cost of living is generally low, but imported goods can be pricey. If you rely on international brands or products, you might have to pay more. You’ll need to budget accordingly.
Healthcare in the Philippines is improving but can be uneven. In urban areas, hospitals and clinics are generally better equipped. However, rural areas might not have the same level of medical facilities.
Lastly, dealing with bureaucracy can be frustrating. Processes involving paperwork and admin tasks might take longer than you’re used to. Be prepared to manage this as part of everyday life.
Americans In The Philippines
There are 115 million people living in the Philippines. American expats make up an estimated 600,000 equating to around .005% of the population.
The Philippines had multiple campaigns to try and attract former Filipino citizens who may have moved to the United States or hold dual citizenship anywhere on Earth, to move back to their homeland. Returning to a place with familiar customs and language can be comforting and is likely to stick, whereas many Western expats eventually move back to their home countries.
Living as an American in the Philippines offers a chance to explore new experiences. Engaging in local festivals, trying diverse foods, or visiting stunning beaches can enrich your life. It’s not just a change of scenery—it’s a chance to become a part of something special.
Using SRRV For Moving To The Philippines
If you are a foreign national thinking about moving to the Philippines, the Special Resident Retiree’s Visa (SRRV) has many paths to residency. This long-stay visa allows you to live in the Philippines indefinitely. You can freely enter and exit the country with multiple entries. As of the latest data in 2023 there were 2,467 Americans living in the Philippines under the SRRV program.
Unlike most retiree visas, this program is not operated by the national immigration agency. Instead, the SRRV program is overseen by the Republic of the Philippines Department of Tourism. The department responsible is called the Philippine Retirement Authority (PRA).
The Special Resident Retiree’s Visa (SRRV) feels complicated, but I will do my best to break it down. A lot of people talk about the SRRV as having four paths, but two of the paths split into two paths. So I am going to discuss the six different ways you may qualify for the SRRV.
SRRV Smile
This program is intended for healthy individuals 35 – 49 years of age who can deposit $20,000 in a qualifying account and not touch it for the duration of their stay in the Philippines. Funding $20,000 qualifies the principal applicant plus 2 dependents (spouse or children). Each additional dependent beyond the included 2 would require an additional $15,000 deposit into the qualifying account for the duration of your residency.
SRRV Classic w/Pension
Retirees who are aged 50 and above can make a deposit of $10,000 (which can be then rolled into the purchase or renting of your accommodations). Individuals with at least $800 per month in retirement income or couples with at least $1,000 per month in retirement income may qualify for this option.
SRRV Classic w/o Pension
Retirees who are aged 50 and above can make a deposit of $20,000 (which can be then rolled into the purchase or renting of your accommodations). The initial deposit is higher because there is no recurring income requirement.
SRRV Human Touch
If you have pre-existing health conditions but receive $1,500 per month income, you can deposit $10,000 along with healthcare proof and be granted residency. This option allows for one person to come along with you, often a spouse or caretaker.
SRRV Courtesy
This is where things get interesting and very low cost. Retired officers who have served in the Philippines of International Organizations recognized by the Department of Foreign Affairs (DFA) qualify with only a $1,500 deposit.
SRRV Courtesy Expanded
Retired military of foreign countries with existing military ties and/or agreement with the Philippine Government can now qualify if they are earning $1,000 per month in retirement income and make a $1,500 deposit.
SRRV Application
The application process for the SRRV involves submitting various documents. These documents include a passport, police clearance, healthcare certificate, and proof of your eligibility. The initial cost of this visa is $1,400 for the primary applicant and an additional $300 for each additional dependent.
Once approved, you gain access to the many benefits that make living in the Philippines both appealing and convenient.
Cost Of Living In The Philippines
When considering moving to the Philippines, it’s important to know about everyday costs.
In major cities like Metro Manila and Cebu City, living expenses can vary. A basic meal might cost around 250 Philippine Pesos ($5), and rent for a studio apartment could be approximately 43,000 pesos ($943) per month in prime areas.
Daily necessities like transportation and groceries are affordable. A local bus or jeepney ride costs about 10-25 pesos. Shopping at local markets can keep your food budget low.
A couple’s budget in big cities might range from 70,000 to 100,000 pesos ($1,400-$2,000) monthly, depending on lifestyle choices. This covers housing, food, and utilities.
Major banks offer various services for expats. Opening an account is straightforward and helps manage your funds efficiently.
Living outside big cities like in Subic Bay can lower costs, making it ideal for retirees. Here, you’ll find lower housing costs and a more relaxed lifestyle.
Utilities such as internet, electricity, and water can add another 10,000 to 12,000 pesos to monthly expenses. This varies with usage and location.
Understanding the cost of living helps in making informed decisions about the best places for your specific situation.
How To Find Housing In The Philippines
Finding a place to live when moving to the Philippines can be a fun adventure. Start by exploring online platforms like Lamudi and Property24. These websites list many homes, so you can compare prices and locations.
Short-term options like Airbnb are great for settling in or while you explore different areas. Stay for a month while you search for something more permanent. You can explore neighborhoods and get to know the area better.
When looking for housing, many people choose to be near the city center. You’ll find better access to shopping, restaurants, and public transport. These areas can be more crowded, but everything you need is nearby.
For those who prefer extra space and privacy, renting a house might be the way to go. It is common to hire domestic staff in the Philippines to help you cook and clean.
Shipping household goods all the way to your new home can be extremely costly and take a long time. Major brands have already established a presence in the Philippines and buying new is the best way to set up your new home, in my opinion.
Walk around the neighborhoods you’re interested in. Many rental options aren’t listed online, so you might find some hidden gems by exploring on foot. Look for signs or ask locals for tips.
It is not advisable to rent or buy a place without the assistance of a professional. Be sure to find an agent you trust and let them act as your advocate and guide. Good luck on your search!
Everyday Life As An Expat In The Philippines
Living as an expat in the Philippines offers a unique experience. You will find yourself surrounded by a rich culture and warm hospitality. People in the Philippines are known for their kind-hearted nature.
In urban areas like Manila, you have access to modern amenities. Public transport like jeepneys and tricycles offer affordable travel options. While these might seem crowded, they are part of the adventure.
In rural areas, life is more relaxed. Here, you can enjoy the beautiful tropical climate. The local community is often close-knit, creating a family-like atmosphere. It’s a great place if you’re seeking a slower pace of life.
When it comes to shopping, the local markets provide fresh produce and goods. It’s a chance to try local cuisine and connect with Filipino culture. Make sure to brush up on your Tagalog, one of the official languages, to enhance your interactions.
Moving to the Philippines introduces you to the best beaches, shocking road conditions, and timeless traditions. Becoming part of these highs and lows is a way to truly understand the island living that many expats cherish.
You’ll enjoy a cost-effective lifestyle. The country’s affordable living expenses can make life comfortable, whether you’re in urban areas or rural settings. Each location has its own charm and its own pace of life.
Health Care In The Philippines For Expats
When moving to the Philippines, understanding the healthcare system is essential. The public healthcare system offers services through PhilHealth, which is mandatory for all. It provides basic medical treatment but might not cover all needs.
Many expats opt for private hospitals for better service. The quality of care is generally good, and medical staff are well-trained. However, private hospitals have higher fees.
To ensure full protection, consider international medical insurance. Companies like Cigna and Allianz are popular international health insurance among expats. These plans can provide coverage for more extensive treatments and medical evacuation if needed.
Obtaining a health certificate might be necessary for some people during their visa process. Make sure you have this document ready as part of your health preparation.
In summary, relying solely on public healthcare may not be sufficient. Mixing PhilHealth with private insurance ensures you receive the best care during your stay.
Safety And Natural Disasters In The Philippines
If you are moving to the Philippines, it’s important to be aware of safety and natural disasters. This country is prone to various hazards due to its location in the Pacific Ring of Fire. You may experience typhoons, earthquakes, and volcanic eruptions.
Typhoons are common, mainly during the monsoon season from June to November. It’s wise to have emergency supplies and keep informed through local news updates during this time.
Earthquakes can happen due to the country’s position on the Pacific Ring of Fire. Buildings in urban areas are often designed to withstand these events, but it’s essential to have a personal safety plan.
Volcanoes are also active in the Philippines. Keep an eye on advisories regarding any volcanic activity, especially if you plan to live near these areas.
When it comes to personal safety, use common sense just as you would in any other country. Some areas have a higher rate of crime, so it’s best to stay vigilant and informed about local safety advice.
Challenges Of Living In The Philippines
Living in the Philippines can be a rich experience, but it’s important to be aware of certain challenges.
Climate: The country is known for its heat and humidity. The weather can be uncomfortable, especially if you’re not used to tropical climates.
Infrastructure: Frequent power outages and therefore internet outages can make working remotely or even just communicating with family a difficult endeavor.
Cleanliness: Public services are not as well established in the Philippines as you might be used to. Garbage piles up, sewage smell radiates the cities, and general public upkeep often leaves a lot to be desired.
Crowded Cities: Cities like Manila are very crowded. This can lead to traffic jams and longer commute times. It’s something you might want to consider if you plan to drive.
Job Opportunities: Employment opportunities are scarce and wages are extremely low.
Business Ownership: Starting your own business involves understanding local laws and regulations. Make sure you have a solid plan if you plan on investing in a local business enterprise.
Permits and Visas: You’ll need the right work permit to work legally. An alien employment permit, working visa, or emigration clearance certificate is required to engage in employment.
Feeling comfortable with these challenges will make your transition smoother. Always make sure to do thorough research and prepare before moving to the Philippines.
How To Relocate From The U.S. To The Philippines
Visa Requirements
Start by researching the proper visa. Pick from the six options of retirement visa while we are waiting for the much anticipated Philippines Digital Nomad Visa. Make sure your passport is valid for at least six months from the date you enter.
Entry Requirements
Check entry requirements to ensure compliance. Have your important documents like an emergency travel document ready in case something goes wrong during your journey.
Travel Advice
Book your flights in advance for better rates. Look for direct flights if possible, as they can save you time. Once in the Philippines, be prepared for the local culture and climate. It’s warm and humid, so pack breathable clothing.
Getting Settled
Explore different housing options. Some expats choose to rent an apartment or house before moving to Philippines. Look in areas with a strong expatriate community. This can help you adjust more quickly.
Banking and Finances
Set up a bank account locally to manage your finances. Some banks offer services specifically for foreigners. Keep some cash on hand for emergencies, as not all places accept credit cards.
Is Moving To The Philippines A Good Idea?
Moving to the Philippines can be an exciting adventure for you. The country offers stunning beaches, warm weather, and a rich culture. Many people are drawn to its friendly locals who are often fluent in English, making communication easy.
Cost is another common reason people think about relocating. The Philippines generally has a lower cost of living compared to the U.S. Housing, food, and transportation are often cheaper, which means your money can go further.
Yet, not everything may fit your expectations. Consider what lifestyle you’re looking for. If you want a slower pace surrounded by nature, rural areas might be great. If you prefer city life, then be ready for the hustle and bustle. Also, consider talking to expats who live there; their experiences can offer valuable insights.
Always remember, deciding to move isn’t an unchangeable decision. If you go and you hate it, you can pick a different country or move back to where you came from. But, if you go and you love it, you will forever remember how you delayed your decision and didn’t take action sooner.
Moving to the Philippines has its pros and cons. Think through what matters most and start packing your bags.
