Where to Live in the Philippines: Which Region You Should Settle Down In

The Philippines continues to stand out as a premier retirement destination for international visitors, and it’s not just because of its warm tropical climate, lower cost of living, and widespread use of English, but also for its incredible diversity in lifestyle options. Whether you prefer urban centres to serene beachfront towns, cool mountain retreats, and emerging eco-friendly zones, the country offers something for everyone.

Also read: Why The Philippines is One Of The Best Places to Live

Whether you’re pursuing business ventures, starting a new chapter, or simply looking to enjoy a slower, more fulfilling pace of life, the Philippines provides an ideal place to match your personal goals and preferences. Here’s a closer look at some of the most popular regions and cities to help guide you in choosing your perfect home base.

1. Makati and Bonifacio Global City (BGC): For the cosmopolitan retiree

Makati, Metro Manila | Image credit: fazon1 via Canva Pro

If you’re used to city living and want access to everything at your fingertips, look no further than Makati or Bonifacio Global City (BGC) in Metro Manila. These financial and commercial districts are known for upscale condominiums, gourmet dining, luxury shopping malls, cultural venues, and state-of-the-art hospitals.

This area is ideal for retirees who enjoy a vibrant, walkable environment with modern conveniences. Some residents remain professionally active, running businesses or engaging in consultancy work, while others are fully focused on enjoying their lifestyle, taking advantage of exclusive country clubs, wellness centres, and a lively nightlife scene.

Also read: Thriving In Paradise: Philippines’ Golf Courses, Wellness Retreats & Sailing Adventures!

It’s a natural choice for those who want to stay globally connected while maintaining an active, city-centred lifestyle. If you’re retiring from a fast-paced career and want a softer landing without giving up urban perks, Makati or BGC makes perfect sense.

2. Tagaytay: For the nature-loving soul

Taal Volcano Crater | Image credit: Hendra Su via Canva Pro

Just a 1.5-hour drive south of Manila, Tagaytay offers an appealing mix of cool mountain air, scenic landscapes, and modern conveniences. Perched along a ridge overlooking the Taal Volcano, it’s one of the most popular weekend destinations for city dwellers and a retirement haven for those who want the best of both worlds.

Tagaytay suits retirees who love a slower pace of life but still want to remain close to city conveniences. Many own or rent villas with gardens and enjoy waking up to misty mornings and lush greenery. Retirees who settle here value the clean air, peaceful lifestyle, and lower stress levels while being just a short drive away from major hospitals and urban facilities in Manila.

3. Clark, Pampanga: For the retiree who wants urban perks without metro crowds

Mount Arayat, Clark | Image credit: Nate Hovee via Canva Pro

Located about two hours north of Manila, Clark in Pampanga has emerged as a prime area for both investment and retirement. Once a U.S. airbase, Clark has turned into a thriving commercial and residential hub. With wide roads, modern infrastructure, and a rising number of residential enclaves, it provides excellent accessibility for retirees. Additionally,  it’s also home to the Clark International Airport, making travel in and out of the Philippines a breeze.

The area is home to several leisure and lifestyle hubs, from scenic golf courses and wellness resorts to duty-free shopping centres and nature parks. There are also internationally accredited hospitals, international schools, and residential neighbourhoods that offer tranquillity without detachment.

New Clark City, the government’s flagship smart and sustainable development, is also taking shape nearby, promising even more green spaces, cultural venues, and eco-friendly initiatives in the years to come. If you’re looking for a cleaner, greener city lifestyle with room to breathe, Clark delivers on both comfort and connectivity.

4. Cebu City: For the balanced retiree

Kawasan Falls, Cebu | Image credit: Oneinchpunch via Canva Pro

Cebu offers a perfect balance — it’s a major city with a rich cultural history, an international airport, and strong medical infrastructure, but it’s also close to beaches, diving spots, and scenic mountain drives. In many ways, it’s a scaled-down version of Metro Manila, without the overwhelming traffic or stress.

Retirees who settle in Cebu are often looking for a life that blends city comforts with weekend adventures. Cebu is ideal for social, active, and adventure-seeking retirees. There are new places to explore, whether it’s the local food scene or nearby islands like Bantayan and Malapascua, Cebu will never disappoint.

Cebu is especially ideal for retirees who want variety: a big city when needed, and island life when wanted.

5. Dumaguete: For the community-oriented retiree

Manjuyod Sandbar | Image credit: Non-Exclusive via Canva Pro

Consistently ranked as one of the most expat-friendly cities in the Philippines, Dumaguete has long drawn expats and returning Filipinos alike. Also known as the university town in Negros Oriental, it has a laid-back charm, a relatively low cost of living, and a strong sense of community. You’ll find walkable streets, seaside cafes, and a friendly, multicultural population.

Retirees who settle in Dumaguete seek connection more than convenience. They’re drawn to the town’s slower pace, the growing expat social scene, and the availability of beachside or mountain-view homes at reasonable prices. Dumaguete is for those who want peace, but not isolation.

6. Iloilo City: For the culture-loving traditionalist

Molo Church, Iloilo City | Image credit: Pam Gallego via Canva Pro

Iloilo City is steeped in history, Spanish-era architecture, and Visayan pride. In recent years, the city has embraced a wave of modernisation, introducing waterfront promenades, gleaming hospitals, and an improved airport, all while preserving its rich heritage and cultural charm.

Retirees who choose Iloilo often have deep ties to the region or are simply drawn to its orderly atmosphere, preserved heritage and deeply rooted culture. Many are family-oriented, actively participating in community life, church groups, or volunteer initiatives. With many appreciating its proximity to Guimaras Island (famous for mangoes) and the unhurried pace that allows you to live comfortably on a modest budget, Iloilo appeals to retirees who value comfort, family and heritage 

7. Baguio: For the cool-weather enthusiast

Cordillera Mountains | Image credit: jejim via Canva Pro

Nestled in the Cordillera Mountains of Luzon, Baguio has long been known as the Philippines’ “Summer Capital.” Its pine-scented air, fresh mountain breeze, and cool temperatures year-round make it a refreshing contrast to the country’s warmer lowland cities. The city’s elevation and cool climate create a distinct atmosphere it’s where foggy mornings, hot chocolate milk, and garden walks become part of daily life.

Baguio appeals to those who enjoy a quiet, highland environment and a slower, more reflective lifestyle. The city is home to fun-filled parks, luscious botanical gardens, and local markets filled with strawberries, fresh greens, and native crafts. There are plenty of peaceful residential areas with charming homes tucked into hillsides, offering views of pine forests and terraced slopes.

Whether you’re tending to a garden, visiting nearby mountain towns, or simply enjoying the stillness of a foggy afternoon, Baguio offers a serene, elevated way of life that feels worlds away from urban chaos.

8. Palawan (El Nido, Coron, Puerto Princesa): For the off-the-grid adventurer

Coron Island Bay, Palawan | Image credit: Andrey X. via Canva Pro

Palawan is a paradise of lagoons, limestone cliffs, and turquoise waters. It’s the kind of place that graces postcards and travel documentaries. For certain retirees, however, Palawan represents more than a destination — it becomes home. While access to some services may be limited in more remote areas, the trade-off is total immersion in one of the world’s most breathtaking natural settings.

Palawan attracts retirees who are adventurous, healthy, and self-sufficient. Many sustain their lifestyle through pensions, savings, or online work and are drawn to the region’s simplicity and serenity. They value solitude, nature, and authenticity over malls or modern conveniences. If you’re the kind of person who finds peace in the sound of waves and joy in the absence of crowds, Palawan offers a truly one-of-a-kind retirement lifestyle.

Brought to you by Philippine Retirement Authority