Coastal island landscape in the Philippines

Philippines

Retiring and Living Long-Term in the Philippines, from Visas to Living Costs

The Philippines is one of the simpler places in Asia to settle long-term, with the SRRV retirement visa, the 13(a) spouse visa, and English spoken almost everywhere. Where you base yourself shapes cost and daily life more than people expect.

These guides cover the main long-stay and retirement visas, what a month really costs inside and outside the big cities, and the housing and timing choices that matter before you move.

Procedures

Start here

Philippines Long-Stay Visa Options for Foreigners: Every Route and How to Choose

An overview of long-stay visa pathways in the Philippines: SRRV, 13A spouse visa, employment, and investment options. Updated for 2025 PRA changes.

Real living cost

Budget

~$900 to $1,500

Provincial living or outer Manila, local food markets, jeepney and ride-hail transport

Comfortable

~$1,700 to $2,300

Expat-favored city or coastal area, mixed and Western dining, fuller private healthcare access

Living Insights

People's Experience

Long-Stay Pathways in the Philippines

Retirement path

Availablevia SRRV; principal applicants are generally 40+ and deposit rules vary by age and pension status

Spouse / family path

Available

Investor path

Available

Work path

Availablevia work visa + AEP process

How long you can stay

Permanent-style pathways exist for eligible SRRV and 13A holders

Sponsor need

SRRV is self-funded; family and work routes depend on marriage or employer basis

Living Essentials

Monthly budget (modest)

USD 900 - 1,500

Private health insurance

Strongly advised

Healthcare reality

Good private networks in Manila and Cebu; thinner options outside major hubs

Property access

Condo ownership is easier than land ownership

Philippines Updates

When rules change, you'll know first.

Visa policy, permit changes, and practical living updates, delivered when it matters.

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