Building Your Dream Life in the Philippines: Cost, Residency & Lifestyle
- International Property Alerts
- October 10, 2025
Over dinner in Manila’s vibrant Bonifacio Global City (BGC), Brian Telfer, a Chicago native who despises cold winters, shares his love for the Philippines alongside his Filipina wife, Jesa. With its warm people, stunning beaches, and affordable lifestyle, the Philippines captured Brian’s heart and became their permanent home. For others inspired to follow a similar path, exploring the best international real estate options can be the first step toward building a life abroad.
From Vacation to Forever Home
Brian first visited the Philippines in 2001, instantly charmed by its tropical allure. “I fell in love with the country, the people, the beaches, everything,” he recalls. In July 2011, he moved to Manila, landing a job after setting up interviews. During his three-and-a-half-year stay, he met Jesa, and after two years of dating, they married. The couple briefly returned to the US for Jesa to gain teaching experience and complete her master’s in Early Childhood Education. By July 2021, they were back in the Philippines for good. For others considering a similar move, exploring real estate in the Philippines can be the first step toward creating a home in paradise.
A Custom-Built Haven
Manila’s desirable neighborhoods like BGC had grown pricier, with a 409-square-foot condo costing $274,000. Instead, Brian and Jesa bought land in an eastern suburb and built a modern three-bedroom, two-bathroom home with a pool for the same price. “It offers privacy, space, and a quieter life compared to the city,” Brian says. The trade-off is Jesa’s 45- to 60-minute commute to her teaching job at a British international school. “Building was a process, but we’re thrilled with the result and the room to grow,” he adds. For expats considering a similar move, these property buying tips can help make the process smoother.
Navigating Residency
As the spouse of a Filipina, Brian secured a 13(a) Non-Quota Immigrant Visa, a straightforward process costing about $200 and taking two to three months. For others, the Philippines offers accessible residency options, including the Special Resident Retiree Visa (SRRV) and the SRRV Smile Visa, requiring a $20,000 bank deposit for those over 35, plus background checks and health insurance. Around 64,000 foreign retirees currently call the Philippines home.
Affordable Living with Smart Choices
Brian, now retired, and Jesa live comfortably on his Social Security and her teaching income, budgeting about $2,000 monthly. Solar panels reduced their electricity costs, a significant expense in the Philippines. “We’ve made it work by being strategic,” Brian notes. Their suburban home offers space and savings compared to city living, balancing cost with lifestyle.
Healthcare That Rivals the US
Expats often choose private health insurance from providers like Cigna Global, AXA, or Allianz for quality care. Brian benefits from Jesa’s work-provided plan, which he praises: “The hospitals feel like the US, modern equipment, excellent care.” Foreign residents can also join PhilHealth, the national health insurance, with premiums from $100 to over $1,000 annually based on income.
Embracing the Filipino Way
English is widely spoken, easing communication, though occasional misunderstandings occur as it’s a second language. “Things move at ‘island speed,’ so patience is key,” Brian laughs. Filipinos’ warmth, especially toward Americans, makes integration effortless. “They make you feel welcome everywhere,” he says.
Advice for Aspiring Expats
Brian advises planning two to three years ahead: “Research costs thoroughly, housing, healthcare, everything. The Philippines offers diverse lifestyles, from surfing beaches to city buzz. Pick what suits you.” Their journey reflects the Philippines’ appeal as a retirement haven, blending affordability, community, and tropical beauty. If you’re considering a move abroad and want expert guidance, feel free to contact us.
FAQ
Why choose the Philippines for retirement?
The Philippines offers affordable living, warm weather, stunning beaches, and welcoming locals who often speak English. Diverse residency options and quality healthcare make it ideal for retirees.
How much does it cost to live in the Philippines?
A couple can live comfortably on $1,500-$2,000/month, depending on location. Suburban homes, like Brian’s, cost less than city condos (e.g., $274,000 for 409 sq ft in BGC).
What are the residency options for retirees?
The SRRV Smile Visa requires a $20,000 bank deposit for those over 35. Spouses of Filipinos can apply for a 13(a) Non-Quota Immigrant Visa (~$200, 2-3 months). Digital nomad visas are also available.
Is healthcare reliable in the Philippines?
Yes, private hospitals offer US-standard care with modern equipment. Private insurance (Cigna, AXA) or PhilHealth ($100-$1,000/year) ensures access. Brian reports excellent hospital experiences.
How easy is it to integrate?
English is widely spoken, and Filipinos are famously hospitable, especially to Americans. Social events and expat groups in places like BGC make building connections quick and natural.
What challenges should I expect?
“Island speed” can slow bureaucracy or services, and English as a second language may cause minor communication hiccups. Planning ahead mitigates surprises.
What lifestyles are available?
Choose from urban vibrancy in Manila, beachside living in Cebu or Boracay, or quieter suburban life like Brian’s. Surfing, dining, and cultural activities cater to varied preferences.
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