Cost of Living in the Philippines

When considering the cost of living in the Philippines, expenses are not always as low as you might anticipate. You’ll probably find daily life manageable, especially compared to some Southeast Asian countries. Although Manila’s cost of living has inched upward over the last few years, it remains more affordable than many capitals in the region.

Your overall expenses will depend on where you choose to live. Manila is typically the priciest spot, with Cebu following closely behind. Outlying islands and rural provinces tend to be gentler on the pocket.

Cost of accommodation in the Philippines

The cost of accommodation in the Philippines can be your largest monthly outlay. Many landlords still prefer renting to foreign arrivals. The Rent Control Act allows landlords to collect a security deposit and advanced rent in line with existing guidelines, and you can expect your deposit returned at the end of the lease, minus any legitimate deductions.

The National Housing Authority has updated its Land Development Manual to ensure safer and more resilient builds, which could be a blessing if you want peace of mind in urban areas. You’ll likely have to pay more if you decide to live near tourist districts or key business centres. Although the commute can be a trek, picking lodging further away will bring big savings.

Utilities such as water and electricity usually cost extra. Internet, telephone lines, cable television, and air conditioning are separate expenses. Electricity can be dear, especially during the sweltering summer months, when you want that fan or air-con on day and night. Air conditioning is rarely centralised, so you might need to install your own if you need indoor comfort.

If you relocate for work, your employer might foot the bill for your housing. Home help – like nannies, gardeners, or domestic cleaners – remains relatively affordable, letting you focus on your job and weekend island-hopping adventures.

Accommodation in the Philippines
Keeping in Touch in the Philippines
Moving to the Philippines

Cost of transport in the Philippines

Public transit has modernised in recent years, and that shift underpins the cost of transport in the Philippines. You might see sleeker jeepneys and new bus routes designed for safer, smoother journeys. Fare structures are evolving, so it is wise to keep your ears to the ground for updates.

Importing a vehicle can test your wallet because of hefty import duties and taxes. You usually require a Certificate of Authority to Import from the Department of Trade and Industry before your vehicle sets sail. Many companies provide drivers for senior executives, although you can hire one independently if you fancy less stress on the roads.

Ride-hailing services remain popular. The Land Transportation Franchising and Regulatory Board has recently standardised guidelines around passenger discounts for students, senior citizens, and people with disabilities, so it pays to ask if you qualify for those perks.

Public transport – particularly jeepneys and buses – remains the cheapest way to get around. Taxis offer convenience but can make your daily costs climb if used too often.

Transport In The Philippines
Working In The Philippines

Cost of groceries in the Philippines

Local produce can be a bargain, but the cost of groceries in the Philippines can spike if you rely on imported goods. The country frequently depends on overseas suppliers to meet its growing demand for staples, and that can mean higher prices or occasional hiccups in availability whenever global markets shift.

Neighbourhood stalls can reveal hidden gems with farm-fresh fruit and veg, but gourmet supermarkets may empty your purse at a faster clip. Restaurant dining remains affordable if you avoid the high-end spots. Smoking and drinking are similarly inexpensive, which might tempt you to indulge more than usual if you are not careful.

Cost of entertainment and eating out in the Philippines

New leisure trends are reshaping the cost of entertainment and eating out in the Philippines, especially in urban centres. Many travellers focus on relaxation, quality time, and discovering fresh experiences. You may find yourself trying hot springs, scenic retreats, or adventure parks, which can all nudge your budget if you keep adding to your itinerary.

Dining habits continue to evolve, with international cuisines and speciality foods making waves. Neighbourhood joints often provide local fare on a shoestring, and swanky city restaurants cater to those seeking refined ambience. If you prefer more active pursuits, you can find your bliss outdoors by trekking, swimming, or diving across the archipelago.

Cost of education in the Philippines

School fees can be steep, which adds to the cost of education in the Philippines if your family includes school-aged children. International schools typically offer globally recognised programmes, like the International Baccalaureate or the British National Curriculum.

Homeschooling is legally recognised by the Department of Education (DepEd). You may find it a handy alternative if you crave flexibility or prefer a more hands-on role. Families can coordinate with accredited homeschool providers or work directly with DepEd. Although costs can vary depending on your chosen materials and support, most find the expenses manageable.

School and Education in the Philippines

Cost of healthcare in the Philippines

PhilHealth contributions and private insurance plans both shape the cost of healthcare in the Philippines, which keeps shifting with legislative changes. You should keep tabs on official PhilHealth releases if you plan to stay for the long term.

Private hospitals and Health Maintenance Organisations (HMOs) are still going strong, offering specialised services and shorter wait times. Many of these facilities upgraded equipment in the aftermath of the pandemic, giving patients greater peace of mind. Public hospitals remain a decent option for basic care, but rural regions can struggle with limited hospital beds and outdated gear. Although gaps remain, efforts to improve healthcare access across provincial areas are ongoing.

Healthcare in the Philippines