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

By Betsy Burlingame

Last updated on Jun 10, 2024

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

Cigna Global Health
Cigna Global Health
Cigna Global Health
Cigna Global Health

What do I need to know about living in Siargao?

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

"Expats considering retirement in Siargao 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 to cover expenses. Healthcare facilities on the island are basic, so it's advisable to have a good health insurance plan that covers medical evacuation in case of serious illness or injury. The official language is Filipino, but English is widely spoken, especially in tourist areas. The climate is tropical, with high temperatures and humidity year-round, and a rainy season from November to January. Siargao is known for its laid-back lifestyle and natural beauty, including world-class surfing spots, but it's less developed than other parts of the Philippines, which can be both a pro and a con. The island has a small expat community, and while locals are generally friendly and welcoming, it can take time to integrate and understand the local culture and customs. As for visas, the Philippines offers a Special Resident Retiree’s Visa (SRRV) that allows unlimited stay and multiple entries, but it requires a deposit and has other conditions. Finally, while Siargao is generally safe, it's important to be aware of the country's political situation and occasional natural disasters like typhoons. It's recommended to stay informed and take necessary precautions," remarked one expat living in Siargao, Philippines.

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William RussellWilliam Russell

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 I need to know before moving to Siargao?

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

"Expats moving to Siargao should be aware that the island is known for its surfing, with the peak season running from August to November. English is widely spoken in Siargao, making communication relatively easy for expats. The cost of living in Siargao is relatively low compared to Western countries, but higher than in other parts of the Philippines. Healthcare facilities on the island are basic, so for serious medical conditions, one would need to travel to larger cities like Cebu or Manila. Expats should ensure they have comprehensive health insurance that covers medical evacuation. Siargao has a tropical climate, with a dry season from March to October and a wet season from November to February. The island is prone to typhoons, especially during the wet season. The island's infrastructure is still developing, so power outages can be common and internet connection can be unreliable. Expats should also be aware that Siargao is a remote island, and while it has an airport, flights can be limited and often get cancelled due to bad weather. The local culture in Siargao is laid-back and friendly, and expats are generally welcomed by the local community. However, it's important to respect local customs and traditions. Siargao has a growing expat community, with many foreigners owning businesses on the island. However, foreigners cannot own land in the Philippines, but they can own condominium units or townhouses, or they can lease land. Public transportation on the island is limited to tricycles, motorcycles, and jeepneys, so many expats choose to rent or buy a motorbike. Finally, Siargao is a beautiful island with stunning landscapes, clear waters, and rich biodiversity, making it a paradise for nature lovers and outdoor enthusiasts," wrote a member in Siargao.

How do I find a place to live in Siargao?

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

"Finding a place to live in Siargao involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a simple beach hut to a luxury villa. Next, research the different areas of Siargao. The island is divided into several municipalities, each with its own unique characteristics. General Luna is the most popular area, known for its surfing spots and vibrant nightlife. If you prefer a quieter environment, consider places like Pilar or Dapa. Once you have an idea of where you want to live, start looking for available accommodations. Websites like Airbnb, Booking.com, and Agoda can be useful for this. They allow you to filter results based on your preferences and read reviews from previous guests. Another option is to join local Facebook groups or forums where people often post available rentals. Examples include "Siargao Island Classifieds" and "Siargao Community Classifieds". If you're planning to stay long-term, consider hiring a local real estate agent. They can help you navigate the local property market and negotiate contracts. Before making a decision, it's recommended to visit Siargao and see the places in person. This allows you to get a feel for the area, check the condition of the property, and meet potential neighbors. Finally, once you've found a place you like, make sure to read the contract carefully before signing. Check the terms and conditions, including the rent, deposit, length of stay, and what's included in the price. If everything is in order, you can then proceed to secure your new home in Siargao," remarked one expat living in Siargao, Philippines.

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

"A typical expat home or apartment in Siargao, is often a blend of modern and traditional Filipino design. The homes are usually spacious, with open floor plans to allow for natural light and air circulation. They often feature large windows and doors that open onto private balconies or patios, offering stunning views of the surrounding tropical landscape. The interiors are typically furnished with locally sourced materials, such as bamboo, rattan, and other tropical hardwoods, giving the homes a warm and inviting feel. The kitchens are usually fully equipped with modern appliances, while the bathrooms often feature walk-in showers and sometimes even outdoor showers. Many expat homes in Siargao also come with private gardens, where residents can grow their own tropical fruits and vegetables. Some even have private pools or direct access to the beach. Despite the luxurious features, these homes often blend seamlessly into the natural environment, thanks to their use of local materials and sustainable design principles. In terms of location, expat homes in Siargao are often situated in quiet, residential areas, away from the hustle and bustle of the main tourist spots. However, they are still conveniently located near local amenities, such as markets, restaurants, and surf spots. Overall, a typical expat home in Siargao offers a comfortable and luxurious living experience, while still allowing residents to enjoy the natural beauty and laid-back lifestyle of the island," commented one expat who made the move to Siargao.

What is the average cost of housing in Siargao?

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

"The average cost of housing in Siargao can vary greatly depending on the location and type of housing. For a simple native house or cottage, the monthly rent can be quite affordable. However, for more luxurious villas or beachfront properties, the cost can be significantly higher. On average, you can expect to pay a moderate amount for a decent house or apartment in Siargao. It's also worth noting that buying property can be a complex process for foreigners due to local laws and regulations," wrote a member in Siargao.

How do I meet people in Siargao?

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

"Expats in Siargao often join local sports clubs, particularly those related to surfing and other water sports, as the island is known for its excellent surfing conditions. They may also participate in yoga classes, fitness groups, and environmental conservation organizations, which are quite popular on the island. Many expats also engage in community activities such as local festivals, beach clean-ups, and charity events, which provide opportunities to meet locals and other expats. They may also frequent local bars, restaurants, and cafes, which often host live music and other social events. Another popular way for expats to meet people in Siargao is through language exchange programs, where they can learn the local language and teach their own in return. They may also join cooking classes to learn about Filipino cuisine, or art workshops to learn traditional crafts. Online platforms and social media groups are also commonly used by expats to connect with each other and with locals. These platforms often share information about upcoming events, job opportunities, and other useful tips for living in Siargao. Finally, volunteering is another common way for expats to meet people in Siargao. There are numerous opportunities to volunteer in areas such as education, healthcare, and environmental conservation, which not only provide a chance to give back to the community, but also to form meaningful connections with like-minded individuals," remarked one expat who made the move to Siargao.

William Russell

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.

Learn MoreGet Quote

William Russell

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.

Learn MoreGet Quote

What should I bring when moving to Siargao?

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

"When moving to Siargao, you should pack lightweight and breathable clothing due to the tropical climate. Include swimwear, as the island is known for its beautiful beaches and surfing spots. Don't forget to pack a good quality sunscreen, insect repellent, and a hat to protect yourself from the sun. Bring along a sturdy pair of sandals suitable for walking on the beach and a pair of sneakers for exploring the island. Pack a rain jacket or umbrella, as the weather can be unpredictable. If you plan on surfing, you might want to bring your own surfboard and gear, although these can also be rented on the island. Pack your necessary toiletries, but keep in mind that Siargao is trying to be an eco-friendly island, so consider bringing biodegradable products. Don't forget to bring any necessary medications, as well as a basic first aid kit. Pack your important documents such as passport, driver's license, and any necessary visas or permits. Lastly, bring a good camera to capture the beauty of the island, and a reusable water bottle to stay hydrated," commented one expat who made the move to Siargao.

Where should I setup a bank account in Siargao?

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

"Expats considering retirement in Siargao 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 to cover expenses. Healthcare facilities on the island are basic, so it's advisable to have a good health insurance plan that covers medical evacuation in case of serious illness or injury. The official language is Filipino, but English is widely spoken, especially in tourist areas. The climate is tropical, with a rainy season from November to January and a dry season from March to October. Siargao is known for its surfing, so it's a great place for active retirees. However, it's also a remote island, which means that certain amenities and services common in larger cities may not be available. 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 retirees cannot own land in the Philippines, but they can own condominium units or townhouses. The local culture is friendly and welcoming, but it's important to respect local customs and traditions. Finally, while Siargao is generally safe, it's advisable to take standard precautions to protect against petty crime," said one expat in Siargao.

Will I be able to find a job in Siargao?

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

"Foreigners in Siargao 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 work as English teachers or in non-profit organizations. There are also foreigners who are digital nomads, working remotely in fields like graphic design, writing, programming, or digital marketing. Additionally, some foreigners start their own businesses, such as surf shops, cafes, or boutique hotels," remarked one expat living in Siargao, Philippines.

What is life like in Siargao?

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

"Life for expats and digital nomads in Siargao is a unique blend of tropical paradise and modern connectivity. The island is known for its stunning landscapes, pristine beaches, and world-class surfing spots, offering a laid-back lifestyle that many expats and digital nomads find appealing. Despite its remote location, Siargao has a strong internet connection, making it possible for digital nomads to work remotely while enjoying the island's natural beauty. The cost of living in Siargao is relatively low compared to many Western countries, making it an attractive destination for those looking to stretch their budget further. Expats and digital nomads can enjoy fresh seafood, local fruits, and other delicious Filipino dishes at affordable prices. The local community in Siargao is friendly and welcoming, with many locals speaking English, making it easier for expats and digital nomads to communicate and integrate. There's also a growing community of like-minded individuals who enjoy the freedom and flexibility of remote work, providing opportunities for networking and socializing. Siargao also offers a range of activities for those who want to explore and enjoy their free time. From surfing and island-hopping to yoga classes and local markets, there's always something to do. Despite its growing popularity, Siargao has managed to maintain its laid-back charm and natural beauty, making it a dream destination for many expats and digital nomads," said one expat who made the move to Siargao.

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

"Expats in Siargao often appreciate the warm and welcoming nature of the local people. They are known for their hospitality and friendliness, always ready to help or share a smile. Expats also appreciate the laid-back and relaxed lifestyle that is a part of the local culture. The pace of life is slower and less stressful, allowing them to enjoy the simple pleasures of life. The local culture in Siargao is also deeply connected to nature and the environment. Expats appreciate this respect for the natural world, which is reflected in the local practices and traditions. The island's pristine beaches, lush forests, and rich biodiversity are cherished and protected by the community. Moreover, expats enjoy the vibrant local festivals and celebrations in Siargao. These events are filled with music, dance, and food, offering a glimpse into the rich cultural heritage of the island. The local cuisine is another aspect that expats appreciate, with its fresh seafood, tropical fruits, and traditional Filipino dishes. Lastly, expats in Siargao value the sense of community that is prevalent in the local culture. Despite being foreigners, they are often welcomed into the community and made to feel like a part of the family. This sense of belonging and camaraderie is something that many expats cherish about living in Siargao," commented one expat who made the move to Siargao.

What do expats find most challenging?

"Expats in Siargao may find the language barrier to be one of the most challenging aspects of the local culture, as the majority of the population speaks Visayan or Surigaonon, and while English is widely spoken, it may not be the first language for many locals. Another challenge could be adjusting to the slower pace of life, often referred to as 'island time', where things may not happen as quickly or efficiently as they are used to in their home countries. The lack of certain amenities and conveniences that they might be accustomed to in their home countries, such as high-speed internet, a wide variety of shopping options, or certain types of healthcare, can also be challenging. Understanding and respecting local customs and traditions can also pose a challenge, as it is important to show respect and not offend the local community. The tropical climate, while attractive to many, can also be a challenge for some expats, particularly during the rainy season when typhoons can occur. Finally, dealing with local bureaucracy and understanding the legal system, particularly for those who wish to start a business or buy property, can be complex and challenging," wrote a member in Siargao.

Is there a lot of crime in Siargao?

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

"Siargao is generally considered a safe destination for tourists and locals alike. The crime rate is relatively low compared to other parts of the country. Most reported incidents are minor, such as petty theft or pickpocketing, particularly in crowded areas. Violent crime is rare, and the local community is known for being friendly and welcoming to visitors. However, like any other place, it is always recommended for visitors to take standard precautions to protect their belongings and personal safety," remarked one expat who made the move to Siargao.

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

"Siargao is indeed a diverse place, with a mix of local inhabitants and a growing number of expatriates and tourists from around the world. The island is known for its welcoming and friendly atmosphere, with locals and visitors alike embracing the diverse cultures and backgrounds of those who come to enjoy its natural beauty. The people of Siargao are generally accepting of differences, as the island's growing popularity as a tourist destination has exposed them to a wide range of cultures and lifestyles. This acceptance is reflected in the harmonious coexistence of locals and foreigners, and the mutual respect they show for each other's customs and traditions," said one expat in Siargao.

William RussellWilliam Russell
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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.

William RussellWilliam Russell

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.
Get Quote

What are the schools in Siargao like?

"Siargao is a beautiful island known for its surfing spots, but it's not particularly known for its international or bilingual schools. The educational institutions on the island are mostly public schools catering to the local population. These include General Luna Central Elementary School, Del Carmen National High School, and Siargao Island Institute of Technology. However, there is a non-profit organization called the Siargao Island Learning Center that provides supplementary education to local children, including English language instruction. The center is not a full-fledged school, but it does offer a valuable educational resource to the community. For international or bilingual education, families in Siargao typically send their children to schools in larger cities like Cebu or Manila. There are numerous international schools in these cities, such as the British School Manila, International School Manila, and Cebu International School. These schools offer International Baccalaureate programs and have diverse student bodies. In conclusion, while Siargao is a paradise for surfers and tourists, it's not a hub for international or bilingual education. The island's educational resources are primarily geared towards the local population," remarked one expat living in Siargao with children attending .

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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William Russell

Get a quote for international health insurance from our partner, William Russell.
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Get a quote for international health insurance from our partner, William Russell.
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