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Siargao Island, Philippines: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Siargao Island | Expat Exchange
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Siargao Island, Philippines

By Betsy Burlingame

Last updated on May 10, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Siargao Island, Philippines. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know about living in Siargao Island?

When we asked people what advice they would give someone preparing to move to Siargao Island, they said:

"Expats considering retirement in Siargao Island should be aware of several key factors. Firstly, the cost of living is relatively low compared to Western countries, but it's important to have a reliable source of income or savings. The official language is Filipino, but English is widely spoken, especially in tourist areas. Healthcare facilities on the island are basic, so it's recommended to have health insurance that covers medical evacuation in case of serious illness or injury. The climate is tropical, with a rainy season from November to January, and a dry season from March to October. The island is known for its laid-back lifestyle and natural beauty, including world-class surfing spots, pristine beaches, and lush landscapes. However, it's less developed than other parts of the Philippines, which means fewer amenities and services. The Philippines has a retirement visa program that allows foreigners to live in the country indefinitely, but there are certain financial requirements to meet. It's also important to note that foreign ownership of land is prohibited in the Philippines, but there are ways around this, such as leasing land or buying a condominium. Safety can be a concern in some parts of the Philippines, but Siargao is generally considered safe for expats. However, it's always important to stay aware of your surroundings and take basic safety precautions. Finally, integrating into the local community and respecting local customs and traditions is key to enjoying a fulfilling retirement in Siargao," said one expat who made the move to Siargao Island.

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What do I need to know before moving to Siargao Island?

When we asked people what advice they would give someone preparing to move to Siargao Island, they said:

"Expats moving to Siargao Island should be aware of the island's tropical climate, with a dry season from March to October and a wet season from November to February. They should also be prepared for typhoons, which can occur between June and December. It is essential to have a valid visa and necessary permits to live and work in the Philippines. Expats should research the different types of visas available and apply for the appropriate one before moving to Siargao. The cost of living on Siargao Island is generally lower than in major cities, but it can vary depending on one's lifestyle. Expats should budget for housing, utilities, food, transportation, and other daily expenses. Healthcare facilities on Siargao Island are limited, and expats may need to travel to larger cities for more advanced medical care. It is crucial to have comprehensive health insurance that covers medical evacuation if necessary. The official language of the Philippines is Filipino, but English is widely spoken, especially in tourist areas. Expats should consider learning some basic Filipino phrases to help with daily interactions and immerse themselves in the local culture. Siargao Island is known for its beautiful beaches and surfing spots, but it also offers a range of outdoor activities such as snorkeling, diving, and island hopping. Expats should take advantage of these opportunities to explore the island and its natural beauty. The island has a laid-back and relaxed atmosphere, which can be a significant change for expats used to a fast-paced urban lifestyle. It is essential to adapt to the local pace of life and embrace the island's unique culture. Transportation options on Siargao Island are limited, with most people relying on motorbikes, tricycles, or bicycles to get around. Expats should familiarize themselves with local transportation options and consider renting or purchasing a motorbike for convenience. Internet and mobile phone coverage on Siargao Island can be unreliable, especially in remote areas. Expats should be prepared for occasional connectivity issues and have backup plans for staying in touch with friends and family. Finally, it is essential for expats to respect local customs and traditions, as well as the island's environment. Siargao Island is a popular tourist destination, and responsible tourism practices are crucial for preserving its natural beauty and resources," said one expat in Siargao Island.

How do I find a place to live in Siargao Island?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"To find a place to live in Siargao Island, you can start by researching online on websites such as Airbnb, Booking.com, and Agoda, where you can find various accommodation options like hotels, resorts, guesthouses, and vacation rentals. You can also join Facebook groups dedicated to Siargao Island, where locals and expats often share information about available rentals and accommodations. Another option is to visit local real estate agencies or ask for recommendations from friends or acquaintances who have visited or lived in Siargao. Once you have shortlisted a few options, make sure to read reviews and compare prices before making a reservation. If possible, visit the island and explore different areas to get a feel for the neighborhoods and find a place that suits your preferences and budget," explained one expat living in Siargao Island, Philippines.

What is a typical expat home or apartment like in Siargao Island?

"A typical expat home or apartment in Siargao Island, is likely to be a comfortable and modestly furnished dwelling, often featuring a blend of traditional Filipino and modern design elements. These homes are usually constructed with locally sourced materials such as bamboo, wood, and nipa palm, giving them a distinct tropical island feel. They often have open living spaces, allowing for natural ventilation and plenty of natural light. Many expat homes also come with basic amenities such as a kitchen, bathroom, and one or more bedrooms. Some may even have a small garden or outdoor area for relaxation and socializing. Due to the island's popularity among surfers and tourists, it is also common to find expat accommodations located near popular beaches, surf spots, and local attractions," commented one expat who made the move to Siargao Island.

What is the average cost of housing in Siargao Island?

If you are thinking about moving to Siargao Island, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Siargao Island, can vary depending on the type of accommodation and location. For a budget traveler, affordable guesthouses and hostels can be found for as low as $10 to $20 per night. Mid-range hotels and resorts may cost around $30 to $60 per night, while luxury accommodations can go upwards of $100 per night. Long-term rentals for apartments or houses can range from $200 to $1000 per month, depending on the size and location of the property," remarked one expat living in Siargao Island, Philippines.

How do I meet people in Siargao Island?

When we asked people living in Siargao Island about club and activities where newcomers can meet others, they responded:

"Expats in Siargao Island, often join various clubs and activities to meet people and immerse themselves in the local culture. Surfing is a popular activity on the island, and joining a local surf club or taking lessons can be a great way to meet people. There are also yoga classes, fitness clubs, and wellness retreats that attract a diverse group of individuals, including many expats. In addition to sports and wellness activities, expats often participate in environmental initiatives, such as beach clean-ups and coral reef conservation projects. These activities not only contribute to preserving the island's natural beauty but also provide opportunities to connect with like-minded individuals. Expats can also engage in the local community by attending local festivals and events. These gatherings are a great way to meet locals and other expats, learn about the local culture, and participate in traditional activities. Dining is another social activity that brings people together in Siargao. The island has a vibrant food scene with a variety of restaurants and cafes that serve both local and international cuisine. Many of these establishments are popular hangout spots for the expat community. Language exchange meetups are also common in Siargao. These gatherings allow expats to practice their Tagalog or Visayan language skills with locals, and in return, they can help locals improve their English. Finally, volunteering is another way expats meet people in Siargao. Many local organizations and schools welcome the help of foreign volunteers, and this can be a rewarding way to give back to the community and make new friends," explained one expat living in Siargao Island, Philippines.

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What should I bring when moving to Siargao Island?

People living in Siargao Island were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Siargao Island, you should pack lightweight and breathable clothing, such as shorts, t-shirts, and sundresses, as the weather is typically hot and humid. Bring a swimsuit or two for enjoying the beautiful beaches and water activities. Don't forget a hat, sunglasses, and sunscreen to protect yourself from the sun. Pack a light rain jacket or umbrella, as the island experiences occasional rain showers. Bring comfortable footwear, such as flip-flops, sandals, and water shoes, for walking on the beach and exploring the island. If you plan on hiking or engaging in other outdoor activities, pack a pair of sturdy sneakers or hiking shoes. Make sure to pack all necessary travel documents, including your passport, visa (if required), and any other identification or paperwork needed for your stay. Bring a photocopy of your passport and other important documents in case of loss or theft. Pack any prescription medications you may need, as well as a basic first aid kit with items like band-aids, pain relievers, and any over-the-counter medications you may need. It's also a good idea to bring insect repellent and anti-itch cream to protect yourself from mosquito bites. Bring a reusable water bottle to stay hydrated, as well as a reusable shopping bag for groceries or other purchases. Pack a travel adapter and voltage converter, as the Philippines uses a different electrical system than many other countries. Don't forget your electronics, such as your smartphone, camera, and chargers. You may also want to bring a portable power bank to keep your devices charged while on the go. Lastly, pack a few personal items to make your new home feel more comfortable, such as photos, small decorations, or a favorite book," wrote one member in Siargao Island.

Where should I setup a bank account in Siargao Island?

We asked expats in Siargao Island what banks they use and there advice about banking. They advised:

"Expats considering retiring in Siargao Island, should be aware of several factors before making the move. Firstly, they should familiarize themselves with the visa requirements and ensure they meet the qualifications for a retirement visa or long-term stay. They should also research the cost of living, which is generally lower than in Western countries, but can vary depending on lifestyle choices. Healthcare is another important consideration, as the island has limited medical facilities. Expats may need to travel to larger cities for more advanced medical care, so having comprehensive health insurance is essential. Additionally, they should be prepared for potential language barriers, as English is widely spoken but not always fluently. Learning some basic Filipino or Bisaya phrases can be helpful in daily interactions. Siargao Island is known for its beautiful beaches and surfing opportunities, but expats should also be prepared for the tropical climate, which includes hot and humid weather, as well as typhoon season. They should also be aware of the island's infrastructure, which may not be as developed as in their home country. This includes limited transportation options, internet connectivity, and power outages. Expats should also familiarize themselves with the local culture and customs, as well as the legal system, to ensure a smooth transition to life in the Philippines. Building a social network with both locals and fellow expats can be helpful in adjusting to the new environment. Finally, expats should consider their long-term financial planning, including taxes, pensions, and investments, to ensure a comfortable retirement on Siargao Island," commented one expat who made the move to Siargao Island.

Will I be able to find a job in Siargao Island?

When we asked people about industries and career opportunities in Siargao Island, they reponded:

"Foreigners in Siargao Island often find employment in the tourism industry, working in roles such as dive instructors, surf instructors, or tour guides. Some also work in hospitality, managing or working in hotels, resorts, bars, and restaurants. Others may find opportunities in real estate, either by investing in properties or working in property management. There are also foreigners who work as English teachers or volunteer in local community projects. Additionally, with the rise of digital nomadism, many foreigners work remotely in various fields such as IT, marketing, writing, and graphic design," said one expat in Siargao Island.

What is life like in Siargao Island?

When we asked people living in Siargao Island what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Siargao Island is often described as a tropical paradise. The island is known for its laid-back lifestyle, stunning landscapes, and friendly locals. Expats and digital nomads enjoy the island's world-class surfing spots, pristine beaches, and lush palm forests. The cost of living is relatively low, making it an attractive destination for those who work remotely. The island has a growing community of expats and digital nomads, creating a vibrant and diverse social scene. There are plenty of opportunities to meet new people, from beach parties to yoga classes. The local cuisine is a blend of Filipino and international dishes, with plenty of fresh seafood and tropical fruits. Despite its remote location, Siargao has a reliable internet connection, making it possible for digital nomads to work from the island. There are also several co-working spaces available, providing a comfortable and productive environment for remote work. However, life on Siargao is not without its challenges. The island's infrastructure is still developing, and power outages can be a common occurrence. Healthcare facilities are limited, and serious medical conditions may require travel to a larger city. Overall, life for expats and digital nomads in Siargao Island offers a unique blend of work and play. It's a place where one can enjoy the beauty of nature, engage with a welcoming community, and still stay connected to the rest of the world," remarked one expat living in Siargao Island, Philippines.

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What do expats in Siargao Island appreciate most about the local culture?

"Expats in Siargao Island, often appreciate the warm and welcoming nature of the local people, who are known for their friendliness and hospitality. They also enjoy the laid-back and relaxed atmosphere of the island, which allows them to escape the hustle and bustle of city life. The strong sense of community and family values present in Siargao is another aspect that expats appreciate, as it fosters a sense of belonging and support. Moreover, expats are drawn to the rich cultural heritage and traditions of Siargao, which are often showcased through local festivals, music, and dance. They also admire the island's commitment to preserving its natural beauty and resources, as evidenced by the numerous eco-friendly initiatives and sustainable tourism practices in place. The delicious local cuisine, featuring fresh seafood and tropical fruits, is another aspect of Siargao's culture that expats enjoy. Finally, the affordable cost of living and the opportunity to engage in various outdoor activities, such as surfing, diving, and island-hopping, make Siargao an attractive destination for expats seeking a unique and fulfilling experience," explained one expat living in Siargao Island, Philippines.

What do expats find most challenging?

"Expats in Siargao Island, may find the language barrier to be one of the most challenging aspects of the local culture, as not everyone speaks English fluently. They might also struggle with the slower pace of life, which can be frustrating when trying to get things done or when dealing with bureaucracy. Additionally, expats may find it difficult to adjust to the local customs and traditions, such as the importance of family and community, as well as the strong influence of religion in daily life. The lack of infrastructure and limited access to certain amenities, such as healthcare and shopping, can also be challenging for expats living on the island. Finally, adapting to the local cuisine, which may be very different from what they are used to, can be another challenge for expats in Siargao Island," explained one expat living in Siargao Island, Philippines.

Is there a lot of crime in Siargao Island?

We asked people if there is a lot of crime. They answered:

"Siargao Island in the Philippines is generally considered a safe destination for tourists, with a relatively low crime rate. However, like any other place, petty crimes such as pickpocketing and theft can occur, especially in crowded areas. It is always advisable for visitors to take necessary precautions and be aware of their surroundings to ensure a safe and enjoyable trip," said one expat in Siargao Island.

Is there a lot of diversity? Are people in Siargao Island accepting of differences?

"Siargao Island in the Philippines is indeed a diverse place, both in terms of its natural environment and its population. The island is home to a variety of different ecosystems, including mangrove forests, coral reefs, and sandy beaches, each with its own unique array of plant and animal species. The human population is also diverse, with people from different ethnic backgrounds, cultures, and walks of life calling Siargao home. The people of Siargao are generally known for their warm hospitality and acceptance of differences. They are used to seeing tourists from all over the world, and they are typically welcoming and friendly to visitors. The local culture is one of respect and tolerance, and people on the island tend to be open-minded and accepting of others, regardless of their background or lifestyle. This acceptance extends to both the local population and the many foreign visitors who come to Siargao to surf, explore, and enjoy the island's natural beauty," said one expat in Siargao Island.

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What are the schools in Siargao Island like?

"Siargao Island, is a beautiful and popular tourist destination known for its surfing spots. However, it is relatively rural and does not have a wide range of international or bilingual schools. Most of the educational institutions on the island are public schools, catering to the local population. One notable educational initiative on the island is the Siargao Island Institute (SII), a non-profit organization that provides alternative education programs for the local community. They offer a range of programs, including English language classes, environmental education, and arts and culture workshops. However, it's not a formal school in the traditional sense. For international or bilingual education, families residing in Siargao typically opt for homeschooling or online learning programs. Alternatively, they may choose to send their children to schools in larger cities like Cebu or Manila, which have a wider range of international and bilingual schools. In conclusion, while Siargao Island offers a unique and vibrant cultural experience, it currently lacks traditional international or bilingual schools," wrote an expat with kids at in Siargao Island.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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