Thinking about retiring somewhere beautiful, affordable, and friendly? Surigao in the Philippines might just be your paradise. This article is a down-to-earth guide for expats considering making Surigao their new home, focusing on why it’s such a great option, the lifestyle you can expect, and what you need to know to make the move.
Why Surigao? A Hidden Gem for Retirees
Okay, let’s be real. The Philippines has a lot of amazing places. So why Surigao? It boils down to a few key things: peace and quiet, stunning natural beauty, a low cost of living, and incredibly welcoming locals. Unlike more touristy spots, Surigao offers a much more authentic and relaxed Filipino experience. It’s not about fancy hotels and crowded beaches (though it has those options too!). It’s about living in a place where you can wake up to the sound of the ocean, enjoy fresh seafood every day, and feel like you’re truly part of a community.
Think about it: trade the hustle and bustle of city life for the gentle pace of island living. Imagine spending your days exploring hidden waterfalls, swimming in crystal-clear waters, or simply relaxing on the beach with a good book. Surigao offers all of this and more, at a fraction of the cost of living in many Western countries.
The Sights and Sounds: What Makes Surigao Special
Surigao is a province brimming with natural wonders. It’s a geographical mix, including mainland and numerous islands. Surigao del Norte, in particular, is known for Siargao (famous for surfing), but the mainland itself offers a blend of quiet coastal towns and lush inland areas. Here are a few highlights:
Siargao Island: While Siargao is known globally for Cloud 9, a world-class surf break, it’s much more than just surfing. There are stunning lagoons like Magpupungko Tidal Pools, secret beaches, and plenty of opportunities for island hopping. Even if you’re not a surfer, Siargao offers a vibrant yet relaxed atmosphere. Because of tourism, you will find the common things, things that you might want when you leave home such as, bars, restaurants, and more services.
Britania Islands: Located in Surigao del Sur, these islands are a cluster of small, uninhabited islands, each with its own unique charm. They’re perfect for day trips, snorkeling, and simply getting away from it all. Imagine island hopping on a small motor boat, exploring white sand beaches, and picnicking on freshly grilled seafood.
Enchanted River: Found in Hinatuan, Surigao del Sur, this crystal-clear river is a true natural wonder. Its depths are unknown, and the vibrant blue color is mesmerizing. It’s a popular spot for swimming and snorkeling, but more than this, the river is very special for locals.
Lake Mainit: Shared by Surigao del Norte and Agusan del Norte, this is the fourth largest lake in the Philippines. It’s a haven for birdwatchers and those who enjoy peaceful boat rides. There are many towns around the lake where you can sit and enjoy the lake and have a drink if you wish.
The Cost of Paradise: Living Affordably in Surigao
One of the biggest draws to Surigao is the incredibly low cost of living. Your money stretches much further here than it would in most Western countries. Let’s break down some estimated costs:
Accommodation: Rent for a decent house or apartment can range from PHP 10,000 (around USD $180) to PHP 25,000 (around USD $450) per month, depending on the location and size. You can find even cheaper options if you’re willing to live a bit further from the main tourist areas. Buying property is also an option, but it’s essential to do thorough research and consult with a local lawyer.
Food: Eating local is very affordable. A meal at a local carinderia (small eatery) can cost as little as PHP 50-100 (USD $1-2). Groceries at the local market are also much cheaper than imported goods at supermarkets like Gaisano or Robinsons. You can expect to spend around PHP 5,000-10,000 (USD $90-180) per month on food if you primarily eat local cuisine. Also, you can go to the ocean and get your fresh seafood. It is not possible to find much fresher than that.
Utilities: Electricity can be a bit expensive, especially if you rely heavily on air conditioning. Expect to pay around PHP 2,000-5,000 (USD $35-90) per month for electricity, depending on your usage. Water is generally quite affordable. Internet service varies greatly depending on location. You can get data, so you can have Wi-Fi. Check for provider options and speeds around your area. Prices will vary depending on the plan you choose.
Transportation: Public transportation is readily available and very cheap. Jeepneys and tricycles are the most common modes of transport within towns. Fares typically start at PHP 10-15 (USD $0.20-0.30). For longer distances, buses are a good option. You may also want to buy a motorcycle. You can get a really nice one for around $2,000 USD. Keep in mind, if travelling from other countries, you will need to have your license or get one renewed.
Overall: A comfortable retirement in Surigao can easily be achieved on a budget of USD $1,000-1,500 per month. Of course, this is just an estimate, and your actual expenses will depend on your lifestyle and preferences. You will find that you will save a lot compared to living in your current country.
The People: A Welcoming Community
One of the most appealing aspects of Surigao is the warmth and friendliness of the local people, the Surigaonons. They are known for their hospitality and willingness to help foreigners. They are always open to helping. It’s easy to get involved in the community, learn the local language (Surigaonon or a dialect of Bisaya), and make lifelong friends. This creates the feeling of actually being home.
Speaking of language, while English is widely spoken in the Philippines, learning some basic Surigaonon or Bisaya phrases will go a long way in building relationships. Simple greetings like “Maayong buntag” (Good morning) or “Salamat” (Thank you) are always appreciated.
Also, don’t be surprised if you’re invited to local fiestas or celebrations. These are a big part of Filipino culture and a great way to experience the local traditions and customs. Embrace the opportunity to immerse yourself in the community and you’ll find that Surigao feels like home in no time.
Healthcare: Accessing Medical Services
Access to healthcare is an important consideration for any retiree. Surigao has several hospitals and clinics, but the quality of care may not be the same as what you’re used to in your home country. For more serious medical issues, many expats choose to travel to larger cities like Cebu or Davao, which have more advanced medical facilities. It all depends, but bigger cities are still there if you need them.
It’s highly recommended to have comprehensive health insurance that covers medical expenses in the Philippines. PhilHealth is the national health insurance program, but it may not cover all your needs. Supplementing with a private health insurance plan is often a good idea. Also, make sure you check your coverage and what it can do!
Pharmacies are readily available in most towns, and you can purchase a wide range of medications over the counter. However, it’s always best to consult with a doctor before taking any medication. Because you are in a new place, you don’t know how you will react.
Visas and Residency: Making it Official
If you plan on staying in the Philippines long-term, you’ll need to obtain the appropriate visa or residency permit. The most common option for retirees is the Special Resident Retiree’s Visa (SRRV), offered by the Philippine Retirement Authority (PRA). This visa allows you to live, work, and study in the Philippines indefinitely, as long as you maintain a certain deposit in a Philippine bank. It’s the standard for many people who are coming to retire in the Philippines. Always make sure you fulfill the requirements to still qualify.
The requirements for the SRRV can vary depending on your age and whether you have a pension. It’s best to consult with the PRA directly or a qualified immigration lawyer to determine the best option for your situation. Keep in mind that because the requirements change, it is best to check directly.
Navigating the visa process can be a bit complex, so it’s often helpful to seek professional assistance. There are many reputable immigration consultants who can guide you through the process and ensure that you meet all the requirements.
Things to Consider: The Downsides of Paradise
While Surigao offers a fantastic lifestyle, it’s important to be aware of some potential downsides. No place is perfect, after all. Here are a few things to keep in mind:
Infrastructure: Infrastructure in Surigao is still developing. Roads can be rough in some areas, and power outages are not uncommon, especially during the rainy season. You might want to buy a generator if power goes down.
Internet Connectivity: While internet access has improved in recent years, it can still be unreliable in some parts of Surigao. If you rely heavily on the internet for work or communication, it’s important to choose a location with good coverage. Check what the internet speed is like, around the part of the area you want to move to.
Cultural Differences: Adapting to a new culture can be challenging. It’s important to be open-minded, patient, and respectful of local customs and traditions. Also know, it might take some time to adjust!
Limited Shopping Options: While you can find most basic necessities in Surigao, you may have limited access to international brands or specialty products. For certain items, you may need to travel to larger cities. If you want something really specific, best to assume that Surigao does not carry it.
Despite these challenges, many expats find that the benefits of living in Surigao far outweigh the drawbacks. With a little planning and preparation, you can easily overcome these obstacles and enjoy a comfortable and fulfilling retirement.
Getting Around: Transportation Options
As mentioned earlier, jeepneys and tricycles are the primary modes of transportation within towns. These are incredibly affordable and convenient for short trips. For longer distances, buses are available, but they can be slow and crowded.
Many expats choose to purchase a scooter or motorcycle for personal transportation. This gives you the freedom to explore the island at your own pace. However, it’s important to be aware of the traffic conditions and drive safely. Make sure to wear a helmet!
Renting a car is also an option, but it can be more expensive. If you’re planning on doing a lot of driving, it might be worth considering. Just be prepared for some bumpy roads in certain areas.
Staying Connected: The Expat Community
While Surigao is not as popular with expats as some other destinations in the Philippines, there is still a small but growing expat community. Connecting with other expats can be a great way to share experiences, get advice, and build friendships. The best way to connect with other expats is on social media.
There are various Facebook groups and online forums where expats in the Philippines gather to share information and support. These groups can be a valuable resource for finding accommodation, getting recommendations for local services, and learning about upcoming events. It also good in times that are needed.
Don’t be afraid to reach out and introduce yourself. Expats are usually very welcoming and happy to share their experiences with newcomers. You’ll find that having a support network can make the transition to living in Surigao much smoother.
Food & Drink: Embrace the Local Flavors
Filipino cuisine is a delicious blend of Malay, Spanish, Chinese, and American influences. In Surigao, you’ll find plenty of fresh seafood, grilled meats, and flavorful vegetable dishes. Don’t be afraid to try new things! You’ll find that many people love to share their food! Just be mindful if you have any allergies.
Some local specialties to look out for include kinilaw (Filipino ceviche), sinuglaw (grilled pork belly with kinilaw), and adobo (braised meat in soy sauce, vinegar, garlic, and peppercorns). For something sweet, try biko (sweet rice cake) or leche flan (caramel custard). If you like sweets, prepare to love the desserts you’ll find!
Of course, no meal is complete without a refreshing drink. Try buko juice (coconut water) straight from the coconut or calamansi juice (Filipino limeade). For something stronger, Tanduay rum is a popular choice. If you plan on going to the town’s bars, you should try this!
Making the Move: Practical Tips
So, you’re seriously considering making the move to Surigao. Here are a few practical tips to help you get started:
Visit First: Before making any major decisions, it’s always a good idea to visit Surigao and experience it for yourself. Spend a few weeks exploring different areas, meeting locals, and getting a feel for the lifestyle. It’s best to know firsthand.
Do Your Research: Thoroughly research different neighborhoods, accommodation options, and healthcare facilities. Read online reviews, talk to other expats, and gather as much information as possible.
Learn the Language: Even a basic understanding of Surigaonon or Bisaya will be incredibly helpful. Consider taking a language course or using language learning apps to pick up some essential phrases.
Open a Bank Account: Opening a local bank account will make it much easier to manage your finances and pay bills. Several major banks have branches in Surigao, including BDO, Metrobank, and Landbank. Make sure you also are familiar with money conversions. It will come in handy.
Connect with an Immigration Lawyer: As mentioned earlier, navigating the visa process can be complex. Consulting with an experienced immigration lawyer can save you a lot of time and hassle.
Be Prepared to Adapt: Adjusting to a new culture takes time and patience. Be open-minded, flexible, and willing to embrace new experiences. A little patience will go a long way!
FAQ Section
What is the weather like in Surigao?
Surigao has a tropical climate with warm temperatures year-round. The rainy season typically runs from November to February, while the dry season is from March to May. Always check the forecast!
Is Surigao safe?
Surigao is generally a safe place to live. However, like any other location, it’s important to be aware of your surroundings and take precautions against petty crime. Don’t leave your valuables unattended and avoid walking alone at night in poorly lit areas.
Can I find familiar food and products in Surigao?
While you can find some familiar food and products in the larger supermarkets, the selection may be limited. For specialty items, you may need to travel to larger cities or order online. But don’t worry, the local food is pretty great! Embrace yourself!
Is it easy to get around in Surigao if I don’t speak the local language?
English is widely spoken in Surigao, especially in tourist areas. However, learning some basic Surigaonon or Bisaya phrases will be helpful and appreciated by locals.
What are the main industries in Surigao?
The main industries in Surigao are agriculture, fishing, and tourism. Mining is also an important industry in certain parts of the province. Because of the geographical nature of the region, there are a lot of options!
Are there good schools in Surigao?
Yes, there are several public and private schools in Surigao. The quality of education varies, so it’s important to do your research and choose a school that meets your needs. Consider the needs of your child when scouting schools to attend.
Is Surigao a good place to retire?
With its stunning natural beauty, relaxed lifestyle, low cost of living, and friendly locals, Surigao is an excellent option for retirees looking for a peaceful and affordable place to call home. If you always wanted to live on an island; This is your choice!
Can I operate my online business while staying here?
Yes, most internet providers offer their services here so that you can continue doing what you do and earn money.
References
Philippine Retirement Authority (PRA)
Philippine Statistics Authority (PSA)
