Tired of crowded tourist spots and sky-high prices? Samar offers a peaceful and affordable alternative for expat retirees seeking authentic island life in the Philippines. With its stunning natural beauty, friendly locals, and low cost of living, Samar is quickly becoming a hidden gem for those looking to escape the ordinary.
Samar: A Quick Introduction
Samar isn’t just one island; it’s part of a larger island also called Samar, shared by three provinces: Northern Samar, Eastern Samar, and Samar Province (often just called “Samar”). Because of this, when someone says “Samar,” they might be talking about the whole island region or just the Samar province. This article focuses mostly on the Samar province as a whole, but will include content related to Northern Samar and Eastern Samar where relevant. Think of it as a guide to the entire Samar island region for expats, and if you plan to retire here, you’ll start to understand the nuances quickly after arriving.
Why Choose Samar for Retirement?
Retiring abroad is a big decision, and the Philippines is a popular choice for many. But why Samar specifically? Let’s explore the reasons:
Lower Cost of Living
One of the biggest draws of Samar is the significantly lower cost of living compared to more popular destinations like Boracay or Manila. You can live comfortably on a fraction of what you’d spend in a major city. Rent for a decent house can range from PHP 5,000 to PHP 15,000 (roughly $100 to $300 USD) per month, depending on the location and size of the property. Food is also very affordable, especially if you shop at local markets. Fresh fruits, vegetables, and seafood are abundant and inexpensive. You would likely spend far less here than you would in the United States or Europe.
Peace and Tranquility
If you’re seeking peace and quiet, Samar delivers. Imagine waking up to the sound of waves crashing on the shore, breathing in the fresh sea air, and enjoying stunning sunsets without the crowds. Life in Samar moves at a slower pace, which can be a welcome change for those who are tired of the hustle and bustle of city life. The laid-back atmosphere is perfect for relaxation and enjoying the simple pleasures of life. You also won’t find the loud nightlife that is common in more “touristy” areas.
Natural Beauty and Adventure
Samar is an adventurer’s paradise. Think about exploring pristine beaches, hiking through lush rainforests, or swimming in crystal-clear waterfalls. The province boasts incredible natural attractions, including Sohoton Caves and Natural Bridge National Park in Basey, Samar or Calbiga Cave in Calbiga, Samar. Waterfalls are abundant such as those often found in Catbalogan City. Many are still relatively untouched by tourism, offering a truly authentic experience. If you enjoy outdoor activities like hiking, snorkeling, and diving, Samar has plenty to offer. Catanduanes is another beautiful island within the Philippines that is relatively untouched and offers similar opportunities, but has better availability in modern healthcare.
Warm and Welcoming Community
Filipinos are known for their hospitality, and the people of Samar are no exception. You’ll find the locals incredibly friendly, welcoming, and eager to help. Making friends and integrating into the community is relatively easy, especially if you make an effort to learn a few basic phrases in Waray-Waray, the local dialect. The strong sense of community means you’ll always have someone to count on, which is especially important for retirees living abroad.
Developing Infrastructure
While Samar may not have the same level of infrastructure as Manila or Cebu, it’s steadily improving. Roads are being upgraded, and communication networks are expanding. The presence of Tacloban City, located just across the San Juanico Bridge in Leyte, provides access to more services and amenities, including hospitals, shopping malls, and an airport with direct flights to Manila and other major cities. The development is slower than in other areas so those that require specialized medical care may consider this.
Finding Your Perfect Spot in Samar
Samar is diverse, so where should you consider settling down? Here’s a breakdown of some popular areas:
Catbalogan City
As the capital of Samar Province, Catbalogan City is a bustling urban center with a growing economy and modern amenities. With a population that is considered relatively low, you won’t feel crowded while maintaining a city feel. You’ll find a range of housing options, from apartments to houses, as well as markets, restaurants, and shops. It has a more urban appeal and is close to many popular activities. Catbalogan City provides access to important amenities such as hospital care.
Calbayog City
Calbayog City is known for its cascading waterfalls and lush greenery. It offers a blend of urban and rural living, with access to essential services and a more relaxed atmosphere. In recent years, Calbayog City has invested a lot into revitalizing its tourist operations. Here, you can find your ideal home near various scenic locations, local markets, and amenities, all while enjoying the city’s laid-back environment. Calbayog is a perfect spot if you want to enjoy the best of both worlds.
Basey/Marabut Areas
If you’re looking for a more secluded and natural setting, consider Basey and Marabut. These coastal towns are known for their stunning beaches, rock formations, and the famous Sohoton Caves. Housing options are more limited, but you’ll be rewarded with breathtaking scenery and a tranquil lifestyle. Keep in mind that access to amenities may be more limited in these areas, but the peace and quiet make it worth it for many.
Northern and Eastern Samar
While this article primarily focuses on Samar Province, remember that you can explore fantastic retirement locations in Northern Samar, with Allen being a busy port where ferries arrive from Luzon. Or, explore Eastern Samar, where you’ll find tropical gems like Calicoan Island for an off-the-beaten-path experience. There are many locations that will feel like home!
Cost Breakdown: Living the Good Life on a Budget
Let’s get down to the numbers. Here’s a realistic estimate of your monthly expenses in Samar (in USD):
Rent: $100 – $300 (depending on location and type of accommodation)
Food: $150 – $300 (eating mostly local cuisine)
Utilities (electricity, water, internet): $50 – $100
Transportation: $30 – $50 (using public transport like jeepneys or tricycles. See costs below)
Entertainment and Leisure: $50 – $100
Healthcare: $50 – $100 (depending on your needs and insurance coverage)
Total: $430 – $950 per month.
Keep in mind that these are estimates, and your actual expenses may vary depending on your lifestyle and preferences. For example, if you frequently dine at upscale restaurants or rent a luxury villa, your costs will be higher. However, it’s entirely possible to live comfortably in Samar on a budget of less than $1,000 per month.
Examples of Specific Costs:
Tricycle Ride: A short tricycle ride within town typically costs around PHP 15-20 (about $0.30-$0.40 USD).
Jeepney Ride: Fares for jeepneys, the most common form of public transportation, start at around PHP 10 (about $0.20 USD) and increase depending on the distance.
Fresh Seafood: A kilogram of fresh fish at the local market can cost as little as PHP 100-200 (about $2-$4 USD).
Meal at a Local Eatery (Carinderia): A satisfying meal at a local eatery can be had for as little as PHP 50-100 (about $1-$2 USD).
Integrating into the Community
One of the keys to a successful retirement abroad is integrating into the local community. Here are some tips for making friends and feeling at home in Samar:
Learn Basic Waray-Waray: Even a few simple phrases will go a long way in showing respect and earning the locals’ appreciation. You can find online resources and language learning apps to help you get started. You’ll find most people speak English, but this gesture can make the difference.
Participate in Local Events: Attend festivals, fiestas, and other community gatherings. This is a great way to meet people and learn about the local culture.
Volunteer Your Time: Consider volunteering at a local charity or organization. Not only will you be giving back to the community, but you’ll also meet like-minded individuals.
Learn About Filipino Culture: Filipinos value respect, hospitality, and strong family ties. Understanding these cultural values will help you navigate social situations and build stronger relationships.
Support Local Businesses: Patronize local shops, restaurants, and markets. This helps support the local economy and fosters a sense of community.
Healthcare in Samar
Access to quality healthcare is a crucial consideration for retirees. While Samar may not have the same level of specialized medical facilities as larger cities, there are hospitals and clinics that can provide basic medical care. Catbalogan City and Calbayog City have several hospitals that offer a range of services. For more serious medical conditions, you may need to travel to Tacloban City or even Manila. Health insurance is also a must. You can choose from local insurance providers or international plans that offer coverage in the Philippines.
It is advisable to have some travel insurance set up to assist you with transportation to another location for specialized healthcare. Ensure it includes coverage for international travel and potential medical evacuation.
Safety and Security
Samar is generally considered a safe place to live. Crime rates are relatively low compared to larger cities. However, it’s always wise to take precautions to protect your safety and belongings. Avoid walking alone at night in poorly lit areas, avoid displaying excessive amounts of cash or valuable jewelry, and be aware of your surroundings. Also, build positive connections with your neighbors, as this serves as your informal security system.
Visa and Residency Requirements
As a retiree, you have several visa options for staying long-term in the Philippines. The most popular option is the Special Resident Retiree’s Visa (SRRV), which is issued by the Philippine Retirement Authority (PRA). To qualify for the SRRV, you need to deposit a certain amount of money in a Philippine bank, depending on your age and pension status. This visa allows you to live, work, and study in the Philippines indefinitely. Seek assistance from the Philippine Retirement Authority to start.
Disclaimer: this article does not provide legal advice. Consult with the Philippine Retirement Authority and a qualified immigration lawyer for the latest regulations and requirements.
Challenges to Consider
Living in Samar isn’t without its challenges. Here are a few things to keep in mind:
Internet Connectivity: While internet connectivity is improving, it can still be unreliable in some areas. If you rely heavily on the internet for work or communication, make sure to research the internet options available in your chosen location.
Language Barrier: While many Filipinos speak English, learning some Waray-Waray can be helpful.
Cultural Differences: Adjusting to a new culture can take time and patience. Be open-minded and respectful of local customs and traditions.
Typhoons: Samar is located in a typhoon-prone area, so it’s important to be prepared for strong winds and heavy rain. Make sure your house is typhoon-resistant and have an emergency plan in place.
Limited Transportation: Public transportation can be less frequent and less reliable in some areas. Consider purchasing a motorcycle or scooter for greater mobility.
Things to do in Samar
- Sohoton Caves: Located in Basey, Samar, these caves are a must-see for nature lovers. You can explore the caves by boat, kayak, or even zipline.
- Calbiga Cave System: These limestone caves are known for their stunning rock formations.
- Lulugayan Falls: Claimed to be the most extensive waterfalls in the Philippines.
- Beaches of Marabut: Marabut boasts beautiful beaches perfect for relaxing and swimming.
- San Juanico Bridge: Take a trip across this iconic bridge connecting Samar and Leyte.
- Divilacan Island: Located in Divilacan, Isabela; a 5-hr drive from Lulugayan Falls—Northern Samar is home to beautiful beaches, lagoons, and waterfalls.
- Mount Capotoan This is a mountain in San Jorge, Samar. It’s a great place for hiking and offers fantastic views of the island’s surrounding beauty.
- Pinipisakan Falls This is one of the most beautiful waterfalls located in San Jorge, Samar!
FAQ Section
Q: Is Samar a safe place to retire?
A: Yes, Samar is generally considered a safe place to live. Crime rates are relatively low compared to larger cities. However, it’s always wise to take precautions and be aware of your surroundings.
Q: What is the cost of living in Samar?
A: The cost of living in Samar is significantly lower than in more popular destinations like Boracay or Manila. You can live comfortably on a budget of $430 – $950 USD per month, depending on your lifestyle and preferences.
Q: What are the visa requirements for retirees in the Philippines?
A: The most popular option is the Special Resident Retiree’s Visa (SRRV), which requires a deposit in a Philippine bank. Consult with the Philippine Retirement Authority and an immigration lawyer for the latest regulations and requirements.
Q: What is the local language in Samar?
A: The local language is Waray-Waray. While many Filipinos speak English, learning some Waray-Waray is a good idea.
Q: What are the healthcare options in Samar?
A: Catbalogan City and Calbayog City have hospitals that offer various services. For more specialized medical care, you may need to travel to Tacloban City or Manila and make sure that your healthcare in order.
References
- Philippine Retirement Authority (PRA)
- Local Government Units of Samar Province, Northern Samar, and Eastern Samar.
- Various travel blogs and forums discussing experiences in the Philippines.
Ready to trade tourist crowds for tranquility? Stop dreaming of an affordable island paradise and start planning your retirement in Samar. With its welcoming community, stunning scenery, and low cost of living, it’s a place where you can truly embrace the simple life. Begin your research, connect with other expats who have made the move, and discover the magic of Samar for yourself. Your island retirement awaits!
