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Dumaguete , Philippines: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Dumaguete | Digital Nomad Exchange
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Dumaguete, Philippines

By Betsy Burlingame

Last updated on Oct 04, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Dumaguete , 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 Dumaguete?

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

"If coming from the United States: 1. Make sure that you have a reliable income of at least $1,500/month. Lots of older expats here live on SS or pensions. 2. Open an account at Charles Schwab bank before you depart, as they refund 100% of your ATM fees each month. Philippines is a mostly cash society so you will be doing lots of ATM trips. 3. Practice driving a motorbike if coming to Dumaguete. There are no taxis here, public transit is limited and cars are quite expensive. We actually live in Valencia which is 8 miles outside of Dumaguete. The higher elevation means that it is cooler. Motorbike is a must otherwise you are stuck! 4. Eat like a local to save a few bucks. Foreign foods are available at a few stores but prices are high. 5. Keep an open mind and calm down! Filipino society is much more laid-back than the U.S. You will need to be patient at times. 6. Have fun! I've visited many other places in The Philippines but so far Dumaguete is my favorite," remarked one expat living in Dumaguete, Philippines.

"Expats considering retirement in Dumaguete, Philippines, should be aware of several key factors. Firstly, the cost of living in Dumaguete is relatively low compared to many Western countries, making it an attractive option for retirees. However, healthcare facilities may not be as advanced or readily available as in some other countries, so it's important to have a good health insurance plan. The official language is Filipino, but English is widely spoken, especially in business and education sectors. The climate is tropical, with a rainy season from June to November and a dry season from December to May. Dumaguete is known for its friendly locals and vibrant expat community, making it easy to socialize and make new friends. The city also offers a range of recreational activities, from diving and snorkeling to hiking and exploring local markets. In terms of accommodation, there are many options available, from renting an apartment to buying a house. It's advisable to visit Dumaguete first to get a feel for the different neighborhoods before making a decision. When it comes to visas, the Philippines offers a Special Resident Retiree’s Visa (SRRV) which allows unlimited stay and multiple entries, making it a convenient option for retirees. Lastly, while Dumaguete is generally safe, it's important to be aware of local laws and customs, and to take standard precautions to protect personal safety and belongings," wrote one member in Dumaguete .

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What do I need to know before moving to Dumaguete?

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

"Dumaguete, located in the central part of the Philippines, is known for its warm and welcoming community, making it a popular destination for expats. The city is known as a "university town" due to the presence of four universities and a number of other colleges. English is widely spoken in Dumaguete, which makes communication easier for expats. The cost of living in Dumaguete is relatively low compared to other cities in the Philippines, and expats can enjoy a comfortable lifestyle even on a modest budget. The city offers a range of accommodation options, from affordable apartments to more luxurious homes. Dumaguete has a tropical climate, with a dry season from December to May and a wet season from June to November. The city is prone to typhoons, especially during the wet season, so it's important to be prepared for this. Healthcare facilities in Dumaguete are adequate for routine check-ups and minor illnesses, but for more serious conditions, you may need to travel to a larger city. It's recommended that expats have comprehensive health insurance that covers medical evacuation. The city has a vibrant food scene, with a mix of local and international cuisines. Dumaguete is also known for its fresh seafood, which is a must-try for any expat. Public transportation in Dumaguete mainly consists of tricycles, jeepneys, and buses. Taxis are not common, but ride-hailing apps like Grab are available. Dumaguete is generally safe, but like any city, it's important to take precautions, especially at night. Petty crime such as pickpocketing can occur, so it's advisable to keep your belongings secure. The city offers a range of recreational activities, from diving and snorkeling to hiking and exploring local attractions. The city's Rizal Boulevard is a popular spot for locals and expats alike, offering a range of dining and entertainment options. Finally, it's important to respect local customs and traditions. Filipinos are generally friendly and hospitable, but it's important to show respect and courtesy in return," commented one expat who made the move to Dumaguete .

How do I find a place to live in Dumaguete?

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

"Finding a place to live in Dumaguete, Philippines involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from apartments, condos, houses, or even dormitories if you're a student. Next, you should research the different neighborhoods in Dumaguete to find one that suits your lifestyle and preferences. Some popular areas include the city center, Valencia, and Sibulan. Once you have a general idea of where you'd like to live, you can start your search. There are several online platforms where you can find listings for rentals in Dumaguete, such as Lamudi, Dot Property, and Rentpad. These websites allow you to filter by location, price, and type of property. In addition to online searches, you can also find a place to live by contacting local real estate agents. They can provide you with listings that match your criteria and arrange viewings. Another option is to ask for recommendations from locals or expats living in Dumaguete. They can provide valuable insights about the best places to live and may even know of available rentals. Once you've found a potential place, make sure to visit it in person before making a decision. Check the condition of the property, the amenities, and the surrounding area. Finally, once you've chosen a place, you'll need to negotiate the terms of the lease with the landlord. Make sure to read the contract carefully and clarify any points you're unsure about. Remember, finding a place to live can take time, so it's important to start your search well in advance of your move," wrote one member in Dumaguete .

What is a typical expat home or apartment like in Dumaguete?

"A typical expat home or apartment in Dumaguete, Philippines, is often a modern, fully furnished space with a blend of Western and Filipino design elements. These homes usually have two to three bedrooms, a spacious living room, a fully equipped kitchen, and one or two bathrooms. They often come with air conditioning, high-speed internet, and cable TV, catering to the needs of expats. Some apartments may also have a balcony or a small garden, offering views of the city or the sea. Many expat homes are located in secure, gated communities with amenities like a swimming pool, gym, and 24-hour security. They are often situated close to the city center, within easy reach of shops, restaurants, and other conveniences. Despite being modern and comfortable, these homes still retain a touch of local charm, with elements like bamboo furniture, native artwork, and tropical plants," said one expat in Dumaguete .

What is the average cost of housing in Dumaguete?

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

"The average cost of housing in Dumaguete, Philippines can vary greatly depending on the location and type of property. For a decent apartment in the city center, one might expect to pay a monthly rent of around 10,000 to 20,000 Philippine Pesos. If you're looking to buy property, a new house in a decent neighborhood can cost anywhere from 2 to 5 million Philippine Pesos. However, these prices can go up significantly for luxury properties or houses in prime locations," said one expat who made the move to Dumaguete .

How do I meet people in Dumaguete?

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

"I've met a lot of fellow expats at my apartment complex. Most of them have lived there for years and are currently in their 60s or 70s. It's also easy to meet new Filipinos. Everyone has a smile on their face and most are quite friendly," wrote a member in Dumaguete.

"Dumaguete, Philippines, is a popular destination for expats, and there are numerous clubs and activities they can join to meet people and integrate into the local community. The Dumaguete Dive Club is a popular choice for those who enjoy exploring the underwater world, while the Dumaguete Sports Club offers a variety of sports activities, from basketball to tennis. For those who prefer cultural activities, the Dumaguete Arts and Culture Club organizes regular events and workshops. The Dumaguete Photography Club is another great option for those who want to capture the beauty of the Philippines through their lens. Expats can also join the Dumaguete Expats Club, which is a social group that organizes regular meetups and events. This club is a great way to meet other expats living in the area and share experiences and advice. In addition to joining clubs, expats can meet people in Dumaguete by volunteering at local charities or participating in community events. The city is known for its vibrant festivals, such as the Sandurot Festival and the Buglasan Festival, which are great opportunities to meet locals and learn about Filipino culture. Another way to meet people is by taking language classes. Learning the local language, Cebuano or Tagalog, can help expats communicate with locals and make new friends. Finally, simply exploring the city and its surroundings can lead to unexpected encounters. Whether it's visiting the local markets, going for a hike in the nearby mountains, or relaxing on the beach, there are plenty of opportunities to meet people in Dumaguete," commented one expat who made the move to Dumaguete .

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What should I bring when moving to Dumaguete?

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

"When moving to Dumaguete, Philippines, you should pack lightweight and breathable clothing due to the tropical climate. Include items like shorts, t-shirts, and sundresses, as well as a light jacket or sweater for cooler evenings. Don't forget to pack a good pair of walking shoes and sandals for the beach. Swimwear is essential if you plan on enjoying the beautiful beaches and water activities. Also, consider packing a hat, sunglasses, and plenty of sunblock to protect yourself from the sun. Bring along any prescription medications you may need, as well as a basic first aid kit. It's also a good idea to pack insect repellent and any necessary vaccinations for tropical diseases. If you plan on working or studying, pack your laptop, electronics, and any necessary work materials. Don't forget to bring a power adapter for your electronics, as the Philippines uses a different plug type than many other countries. Pack personal hygiene items, although most of these can be bought locally. If you have specific brands you prefer, it might be a good idea to bring them along. Lastly, bring copies of important documents such as your passport, visa, and any other identification. It's also recommended to have both digital and physical copies of these documents," commented one expat who made the move to Dumaguete .

Where should I setup a bank account in Dumaguete?

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

"Expats considering retirement in Dumaguete, Philippines should be aware of several key factors. Firstly, the cost of living in Dumaguete is relatively low compared to many Western countries, making it an attractive option for retirees. However, healthcare facilities may not be as advanced or readily available as in some other countries, so it's important to have a good health insurance plan. The official language is Filipino, but English is widely spoken, especially in business and education sectors. The climate is tropical, with a rainy season from June to November and a dry season from December to May. Dumaguete is known for its friendly locals and vibrant expat community, making it easier for foreigners to settle in. The city also boasts a rich cultural heritage and natural beauty, with plenty of opportunities for outdoor activities. In terms of legalities, foreigners can't own land in the Philippines, but they can own condominium units or townhouses. To retire in the Philippines, you need to apply for a Special Resident Retiree's Visa (SRRV). Lastly, it's important to note that while Dumaguete is generally safe, like any other place, it's advisable to take standard precautions to protect yourself and your property," explained one expat living in Dumaguete , Philippines.

Will I be able to find a job in Dumaguete?

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

"Foreigners in Dumaguete, Philippines often work as English teachers, given the high demand for English language instruction in the country. Some also find employment in the tourism industry, working in hotels, resorts, or travel agencies. Others may work in the information technology sector, particularly in outsourcing companies that cater to international clients. There are also foreigners who establish their own businesses, such as restaurants or bars, especially in areas popular with expats and tourists. Additionally, some foreigners work for non-governmental organizations or international institutions, often in roles related to community development or environmental conservation. Lastly, due to the city's growing reputation as a retirement destination, some foreigners are employed in the healthcare and real estate sectors, providing services to other expats," commented one expat who made the move to Dumaguete .

"Lots of educated young people work in call centers. Post-pandemic, a lot of this work is now done from home. Foreigners cannot work and you wouldn't want to anyway, as local wages are very low," remarked one expat living in Dumaguete, Philippines.

What is life like in Dumaguete?

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

"Filipino culture revolves around the family. They are much more cohesive and loving than the average Western family. That being said, locals are very welcoming to foreigners here. The Filipino couple that owns the sari-sari (small store) down the street invited me over to sing karaoke," remarked one expat living in Dumaguete, Philippines.

"Life for expats and digital nomads in Dumaguete, Philippines is generally relaxed and comfortable. The city is known for its friendly locals, low cost of living, and warm tropical climate. Expats often enjoy the city's vibrant culture, which includes a mix of festivals, markets, and local cuisine. The city is also home to several universities, giving it a youthful and energetic vibe. For digital nomads, Dumaguete offers reliable internet connectivity and a number of co-working spaces. The city's laid-back lifestyle and beautiful natural surroundings, including beaches and mountains, provide plenty of opportunities for outdoor activities during downtime. Healthcare facilities in Dumaguete are adequate for routine check-ups and minor health issues, but for serious conditions, expats may need to travel to larger cities. English is widely spoken in Dumaguete, making it easier for expats and digital nomads to communicate and navigate daily life. Despite its many advantages, Dumaguete also has its challenges. Traffic can be heavy, especially during peak hours, and public transportation is not always reliable. Additionally, while crime rates are generally low, expats are advised to take standard precautions to ensure their safety. Overall, Dumaguete offers a unique blend of urban conveniences and natural beauty, making it an attractive destination for expats and digital nomads seeking a slower pace of life," wrote one member in Dumaguete .

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

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What do expats in Dumaguete appreciate most about the local culture?

"Expats in Dumaguete, Philippines often appreciate the warm and welcoming nature of the local people. They are known for their hospitality and friendliness, making newcomers feel at home. The laid-back lifestyle is also a big draw for expats, as it offers a break from the hustle and bustle of city life. The local culture is rich in tradition and history, with numerous festivals and events that expats can participate in. The local cuisine is another aspect that expats enjoy, with a wide variety of fresh seafood and tropical fruits available. The cost of living is also relatively low, making it an attractive place for expats to settle down. Lastly, the natural beauty of Dumaguete, with its stunning beaches and lush greenery, is something that expats truly appreciate," wrote one member in Dumaguete .

What do expats find most challenging?

"Expats in Dumaguete, Philippines often find the language barrier to be the most challenging aspect of the local culture, as not everyone speaks English fluently. The slower pace of life can also be a challenge for those who are used to a more fast-paced, structured environment. The concept of "Filipino Time", where events often start later than scheduled, can be frustrating for those who value punctuality. The heat and humidity can be difficult to adjust to, especially for those from cooler climates. The local cuisine, which is heavy on meat and rice, may not suit everyone's palate or dietary needs. Lastly, the lack of certain Western amenities and the difference in healthcare standards can also be challenging for some expats," said one expat who made the move to Dumaguete .

Is there a lot of crime in Dumaguete?

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

"Like any city, Dumaguete in the Philippines experiences crime, but it is generally considered to be a safe city with a relatively low crime rate. The most common types of crime are petty theft and pickpocketing, particularly in crowded areas. Violent crime is less common, but it does occur occasionally. The local police force is active in maintaining peace and order, and the city has implemented various measures to prevent crime. However, residents and visitors are still advised to take standard precautions to ensure their safety," wrote a member in Dumaguete .

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

"Most people are Catholic and the local church is well attended. I would say that they are accepting as long as people with different beliefs are respectful," wrote one member in Dumaguete.

"Dumaguete, Philippines is known for its cultural diversity, with a mix of indigenous and foreign influences shaping its society. The city is home to people from different ethnic backgrounds, religions, and cultures, creating a vibrant and diverse community. Dumaguete is also a university town, attracting students from all over the Philippines and other countries, further enhancing its diversity. The people of Dumaguete are generally accepting of differences. They are known for their warm hospitality and openness to different cultures and lifestyles. The city's cosmopolitan nature, coupled with the local population's friendly and welcoming attitude, makes it a comfortable place for people of all backgrounds. However, like any place, individual experiences may vary," remarked one expat who made the move to Dumaguete .

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What are the schools in Dumaguete like?

"1. Silliman University: Silliman University is one of the most prestigious educational institutions in Dumaguete, Philippines. It offers a wide range of programs from kindergarten to postgraduate levels. The university is known for its strong programs in education, business, and information technology. It is also recognized for its commitment to environmental sustainability and community service. The university's website is https://su.edu.ph/. 2. Negros Oriental State University: Negros Oriental State University is a state university in Dumaguete that offers a variety of programs in arts and sciences, education, engineering, and technology. The university is known for its strong research and community service programs. The university's website is http://norsu.edu.ph/. 3. St. Paul University Dumaguete: St. Paul University Dumaguete is a private Catholic university run by the Sisters of St. Paul of Chartres. It offers a wide range of programs from basic education to postgraduate levels. The university is known for its strong programs in nursing, business, and education. The university's website is https://spud.edu.ph/. 4. Foundation University: Foundation University is a private non-sectarian university in Dumaguete. It offers a wide range of programs from basic education to postgraduate levels. The university is known for its strong programs in arts and sciences, business, and information technology. The university's website is https://www.foundationu.com/. 5. Dumaguete Science High School: Dumaguete Science High School is a public science high school in Dumaguete. It offers a specialized curriculum for students who are gifted in science and mathematics. The school's website is http://dumaguetesciencehighschool.com/. 6. Maxino College: Maxino College is a private college in Dumaguete that offers a variety of programs in arts and sciences, business, and information technology. The college is known for its strong programs in business and information technology. The college's website is http://www.maxino.edu.ph/. 7. Metro Dumaguete College: Metro Dumaguete College is a private college in Dumaguete that offers a variety of programs in arts and sciences, business, and information technology. The college is known for its strong programs in business and information technology. The college's website is http://www.metrodumaguete.com/," said one parent with children at in Dumaguete .

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad 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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