My Top 5 Low Cost Cities For Retirement in The Philippines For 2023 

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I live in Bulacan and love it here. Why you ask. 1. Its directly in the middle between Manila and Clarke Airport. Clark easier access to get to. 2. Not alot of expacts if thats the life your looking for. 3. I own a 2 bed room condo unit for roughly 450 a month in a secure neighborhood. 4. I have 4 hospitals within 5 mins of each other. 5. 5 min walk to SM mall, Pure Gold, Savemore, and WalterMart. 6. 30 minutes for Quazon City Fairview Mall. 7. 40 minutes form the Mountians. Great river resorts. 8. Very Friendly People. 9. Raising City. San Jose Del Monte Bulacan. 10. MRT is in process of being built. 11. 8 hr drive to Vegan 5 hr drive to Baguio 2.5 hr drive to SubicBay 1.5 hr drive to Clark 4 hr drive to beaches in Batangas. I love it hear very quite and peacefull

YES!!!! Iloilo it's where I'm settle'n!!!

Been here in Tagum City for 7 years, on a permanent visa, have a small house and live very nicely. Tagum has just about everything, close to the rural areas and mountains and also close to Davao city if you need to go there. Also along the coast there are many resorts to visit for a day or overnight if the beer is flowing. Nice place Tagum

I highly recommend you add pictures/video of the cities you indicated in this vlog. The maps were fantastic but photos/video would enhance your vlog even better.

Iam a Filipino - USC. i was born and educated in the Phil. Iloilo is highly urban city. The city is more dense compared to Bacolod city which is more spread out. Out of 5 Gio mentioned, Iloilo would be more in the up scale than the rest of the four. I have not been to Bayawan and Valencia but I know what these places look like and live there. They are just typical quite town and cities of Negros island.

Shhhhh! 🤫 Yer' spillin' all the beans! There's goes the neighborhood.. 🙄🤣😉 ( Thanks, Gio..👍)

Some great advice. Thanks for sharing.

Great information about the affordable cities in the Philippines 🇵🇭

Appreciate you updates on different cities. Hoping to be in Cebu in about a month.

Thanks for another calm and reasonable video. You come across as a common guy. I appreciate that.

Great video, thanks Gio!

GReat video. I am heading that way in a few months

Hey Gio my dear friend, thank you for the great information. I'm planning to go to Dipolog in the next few months. Thank you for sharing brother.😊 😊 😊 😊 😊 ❤️ ❤️ ❤️ ❤️ ❤️

Suggest you consider adding Legazpi City or close by, in Albay to your list. Pop 220,000, picturesque, on the coast, education centre, hospitals, airport with flights to Manila and Cebu, on Luzon so driveable to Manila if you must, supportive expat group...

Hey Gio. Another great, informative topic. Che and I are very happy here in Bayawan and she is great for looking for a bargain in general. The market here has fresh, affordable food here for us to cook and in general everyone here is very friendly like the rest of the Philippines. Not many expats here but in many ways as you have suggested that is not a bad thing. Thanks for sharing as always! 🙏

Bayawan is a nice city, but one thing I found, when I went out to the Beach, which was my main reason to go there, there are poisened Yellyfish in the Water. So sad...

Doing a SRRV visa currently. US militery retired. Must be 50 yrs of age, must have apostiled DD214, Verification letter for pension at least $1,000, a current statement showing proof of pension, police report from home of record, Mine was from Guam, medical current record, this must be done before coming to the Philippines. And now i have an appointment with NBI clearance, Fees with JRC consultancy P 28,000 at $500. Then you must have the Fee to DFA $1,500 for the actual visa itself and at the end of your first year an annual fee of $20 is required.

Thank you for sharing your video. And thank you for your time.

Thank you for mentioning Tagum City. I know it well having grew up in the area. It's good to have a fresh set of eyes to appreciate our hometown. I have a 250 sq m lot near the new city hall that I planned on building a home after retirement.

There are a lot of expat in pundaquit Zambales San Juan in LA Union San Fernando or Angeles because it's near CLARK Airbase Baguio because it's cold try to visit the north it has a lot of options

Yes Iloilo city is a place to be considered to retire. Everything is in minute drive to many great hospitals. great Univerties, a school for kids. They have decent malls also and S&R . You can go hiking to little baguio called bucari leon, Antique anda few hours drive to Boracay. Guimaras island. Sicogon Island for island hopping Islas de gagntes.

Great info, thanks!

Vidéo très instructive

Good one Geo

Excellent and very informative video. Always able to take notes with you. Thanks Gio 😀

Really good info here. Love your selection. Mindanao is safe. Cagayan De Oro City is another great option. That's where our house and hotel is. Thanks!

So, roughly, how much cheaper are these places, compared to say, Dumaguette?

Could I ask if you have ever explored roxas and what your opinion might be. ???

Hey Gio , I know you said you were thinking about expanding on this list. Could you do a few places in Central and northern Luzon for some of the cities that are compatible to the cities you mentioned in the southern regions.

I agree, the Dipolog/Dapitan City area is a very good place to live. 🙂

Great choices ❤

Bayawan is nice. I go thete all the time. I have house in Santa Cantalina...

Thanks for the awesome videos as always Gio !!! :).

I am currently researching to see if I would like to come over and see if I would like to make a move there. I have just started the research and want to save this video as a resource but RU-vid isn't allowing me. Is there a reason your video can't be saved? Oh yeah, thank you for sharing your knowledge.

Airfare is so cheap that I would just live in 4 to 6 countries a year, and avoid hot cold rainy and typhoon seasons

I did a routine health checkup in Dipolog the doctor told me that my gall bladder was full of stones and needed to be operated on as soon as possible he recommended a hospital in Cebu because I don't have any. symptoms I went. to Dumagate and did another test the result showed that my gallbladder is one hundred percent Normal😎

Thankful for this video...am a filipina with an american partner for 8yrs now and we are still looking until now where is the best place to settle here in PH soon...right now were still exploring, taking time...we used to live in our area in Surigao City but due to supertyphoons we needed to moved to another city called BUtuan city...but probably after here we will also try Dumaguete City as its always my number 1 choice to visit since I learned for awhile already that its a friendly city ....also i still love living in an area with plenty of trees☺️am someone who loves country living ....but being an island girl, born and raised yes.. also i knew that its necessary to choose a place thats accesible to good hospitals and clinics and yes for other commodities of course a .safer place and clean...and hopefully not so prone to strong typhoons ....

hey Gio, you said a while ago you were going to get 13a visa, if i remember right. will you do video on the process?

I am definitely considering the city of Iloilo when my stay in Thailand is over in a few months not a fan of Manila, Angeles or Cebu been there done that.

Good advice regarding veritas

Gio, that tip about having your filipina go check out : apartment, condo, house, hotels, furniture, electronics....etcetera. Is spot on, because exactly that one simple reason? SKIN TAX. I also suggest learning a little bit of the local dialect, if you're in the province. Not everyone will speak or understand English. Do happen to have a review of top provinces to live in Cebu? Thanks again for this video. Liked and subscribed. ✌️🐻

I was in Dumaguete(a little to slow for me) in early march. In November next up will be Cebu and the surrounding area for 3 weeks. Then 1st quarter 2024 I think I’m going to go north of Manila and explore that area. At that point I’ll put a pause on the Philippines and give Thailand a look.

I watch every of your videos, despite having no interest to move to Philippines. I hope that's acceptable.

Just a point, you saying about getting a Filipina to look at a Condo for you and negotiate. Unless a lease agreement has been signed, the landlord is under no obligation to rent it to you at the ageeed price with your Filipina gf. They can and will jack the price back up as soon as they see you

Thanks Gio! Again a very informative video. I would have liked some pictures of each city to go with your video, so we could get a better idea of what these places look like. Have you ever been to Leyte? Quite a few interesting places there too, like Ormoc, Albuera and Baybay. Also there are not too many expats which lowers the price of rentals and you can dine out very well for less than $10.

what about getting dual citizenship to retire in the Ph?

Hello Gio! I was planning on coming back out to the Philippines for the 2nd time. the 1st time I stayed 19 days Sept. 30 -Oct. 19 2023. This time I was planning on 3 month March 30- June 30 2024. I was signing up to get a visa. The 1st time I was out I met the Filipina I was chatting on line with for 14 mos. So far things have gone well with her. Without dating multiple women, which can be a pain. I'm taking easy with her within a year I may consider her more seriously if things continue to work on out.

Nice job Gio. I’ve read some of the comments. You’ve done the legwork but cannot cover every aspect of each city without turning this into a 2 hour video. I suggest those who show interest in those areas to look at a map, see if it’s in an area that you prefer, be it coastal or inland, and do your own due diligence. RU-vid for a visual and Facebook Market Place to check rental prices. And like you Gio, hotel, motel or AirBnB it to do your boots on the ground. Anyway getting off my soapbox. Everyone have a great day…!!! 🎉😊

A place that looks really interesting to me is Kapatagan, Digos, Davao del Sur. Farm country in the backyard of the big city.

hey Gio I will be flying into Cebu on 5 sept/2023 and want to know how to get from the Cebu airport to the boat that goes from Cebu to Dumaguete. So please can you help me with that information . I will owe you. thanks Jim

That’s what I need to know

Gio, when you moved, did you sell / give away furniture and personal belongings? I’m getting close and I may store more expensive items, but the rest I think I’m going to give most away to people that can use it. Any tips?

What about a marina where you can live on a boat. Is it safe?

Yes! Dipolog is beautiful and clean! And Progressing. Thank you. ❤

how about a good layed back place with amenities like malls and hospitals , but fairly closeby a major airport to fly back and forth to the States . Not Urban, not provincal ..like a suburb ...

Currently, looking around trying to see where to live first. Compare province to city. Completed my pilgrimage to Civet coffee in Mactan Newtown. Found out boots on the ground doesn't work very well for me, hahaha. Ferry to Leyte got canceled due to the typhoon, so I'm trying to figure out my next step.

My GF and I visited Cagayan de Oro in June. I loved the fact that 15 minutes on a motorbike and you can get up into the hills/mountains where it is cooler. Not a beach area though. My GF is from Cebu City so I am going to start out near Ayala Mall when I retire in October. Close to everything I need and only 15 minutes to get up into the mountains. Also the flights to explore the Philippines from Cebu are cheap.

Gio, have you done the military visa? Seems to be the way to go👍

For me is still manila I came from a good and decent place of manila everything is very convient. And we have house and business so I love manila we have vacation house on batangas close to manila.. I'm. Happy I'm able to retired at the age of 40 happy best thing I did

Thanks again great information #2024🇸🇽

Mindanao is really low cost, not to mention fresher air. When I transferred here in Central Luzon, the municipality I live doesn't even have a mall, hospital or a bank, just small clinics and bazaars. I need to go to the nearest city to get things done. But the rental and food prices, are generally much more expensive. Sometimes double. Can't wait to go back to my hometown.

Good morning

What's the best website or approach to finding out what rentals are available? Are the listed places more expensive? Is it better to hunt for rental housing or apartments by just going around the area?

Have you been to Leyte Tacloban Palo? If you have what do you think about that area? Thank you.

I would have loved to hear about the general cost of living. I get that it will change as it develops but numbers would have helped. But based on the last part of the video I guess that might be hard and timely to do and be accurate with that whole skin tax thing.

I live in Taytay. Great area. SM mall. Easy transportation to Manila. Plus you renew your visa here. 10k fora two bedroom apartment. Walking distance to the gym

$1500 to $2000 is cost of living in Philipines in Ginggoo City and Cagayan De Oro area . Now thats the true .

Not being sure where to live I did send my partner and her parents to Iloilo to compare different places to live. She found a fantastic condo with amazing prices I thought she was going to choose it. But she liked BGC better so I will be moving to BGC early August. BGC was my first choice anyways because of St Luke's before I even started speaking with her so all is good. Thanks for the update

How do Mindanao and Negros compare for brownouts?

GIO i waa following you for a while and i take your advice when i do come there to retire but nt from America or Canada or england am from the Bahamas we do have lots of flipinos over here as Maids and nurses just wondering the visa situation if i come there to retire the cost of liveing here is so high compared to Philippines thats because we close to USA but i guess i can come on a tourist visa any way gio keep up the great blogs always a pleasure to watch your videos

Big changes on visas 59 days free and the new Digital NOMAN visa?

What about the safety in places like these? (Especially on Mindanao from NPA or the Radical Muslims factor?)

Great videos... Can you shed any light on buying clothes for American size? 2x in particular. I lived in Vietnam for 4 years and finding underwear or socks to fit fat American was difficult. Thanks in advance

I live in Dipolog but I have already decided to move. CDO

I'd like to check out these places Gio I have some land here in the Philippines because I'm a Filipino citizen

All well and good - but the prices ? How much exactly does it save on a monthly budget in the best case scenario ? If we are alone as an expat sounds like we can expect to get taken advantage of for certain ? Some savings of the budget that would be. -?- Maybe need to hire it done by a local ? Not sure what or how to go about that w/o a girl friend ?

Gio I dont know if you know it or not. You can extend a SRRV for up to 2 yrs now i just did mine. Cost 20 USD.

👍🇵🇭A great small city Mait!

How much where and how do I pay the extension fee to stay in the Philippines for the second 29 days as an American passport holder?

Hey Gio howdy...my name is Glenn and Im 66...very recently became interested...Been watching multiple videos on retiring there...I must say I believe your input on the finances on living there is the most realistic...thank you for the honesty...I will be talking to you more......thank you....what is an expac

Is that the XRP logo on your cap?

Why is it that Noone speaks about or travels up north

Rent is big one. We found a 2 bedroom for $115 usd monthly.

I like the city like Cebu city or Iloilo city because of the amenities. the provinces are just like a jungle not enough amenity. foreigners from big cities in the west will not like living in a province but will follow a beautiful Filipina to her province to fix her house up and live. yes, it is cheaper in the province, but you will encounter snakes like the cobra.

1. Bayawan (Negros Oriental) 2. Tagum (Mindanao) 3. Valencia (Bukidnon) 4. Iloilo City 5. Dipolog (Mindanao)

What’s an expat?

I really need reading glasses. For one moment there, I thought the title said "SLOW COST RETIREMENT CITIES" LOL.

PRA have consultants that will assist get theS RRV AT NO COST. The PRA pay the fees of these consultants.

Valencia in Mindanao no according to Regular Guy. Better Malaybalay, also in Mindanao.

What is the age for the military guys? I am 33 I get 100% disability.

My best low cost retirement city is kn Thailand.

Hello from California , can you please assist me I'm retiring in 30 days. I've been to Manila and I've been to Puerto Galera, I was going to do a dive trip to Dumaguete . I want to rent apartment and live in the Philippines. Can you assist me thank you so much

Hey, Gio. Always nice to see you. Have you ever looked into best places to buy land?

Nothing like a good old in video promotion.

How 'low' are you talking about? 1k, 1,500?

Good list and I'm sure parts of Mindanao are safe but for me, as long as the US has it at level 3 "reconsider travel" , it's off my list. Besides there are 6,999 other islands in the Philippines, so plenty to choose from.

I see a lot of different comments in the comment line but you know what they say about opinions everybody's got one. You are talking about cheap places to live one man's comment and about a condom he's paying $450 far that's not cheap living.

Hi Gio. Have you seen now, in Western society, less and less men want to get married? Marriage rates are falling as men start waking up. Marriage only benefits women and lawyers. Why would you sign a contract that can destroy your life but simultaneously enrich the other person's life, especially if they cheat on you? Marriage is a gamble. Would you gamble your 401k on the flip of a coin, No you wouldn't, but thats what you do when you get married.

Foreigners are prohibited from owning land in the Philippines, but can legally own a residence. The Philippine Condominium Act allows foreigners to own condo units, as long as 60% of the building is owned by Filipinos. If you want to buy a house, consider a long-term lease agreement with a Filipino.