Forget the overdone beaches and tourist traps. If you’re an expat retiree seeking a relaxed, authentic Filipino experience with a dash of adventure, look no further than Samar. This island province is calling you with open arms and a lifestyle that’s surprisingly affordable, safe, and deeply enriching.
Why Samar? The Allure of Authenticity
Let’s be honest: many popular expat destinations in the Philippines are, well, popular. This means higher costs, crowded spaces, and a diluted sense of genuine Filipino culture. Samar offers a refreshing alternative. Here, you’ll find a slower pace of life, warm and welcoming locals who are genuinely interested in you, and a culture that hasn’t been overly influenced by tourism. It’s like stepping back in time, in the best possible way.
The Cost of Living: Stretching Your Retirement Fund
One of the most compelling reasons to consider Samar is its incredibly affordable cost of living. Compared to major cities and other popular expat hubs like Cebu or Davao, your retirement income will go much further here. Housing, food, transportation, and entertainment are all significantly cheaper. You could realistically live comfortably on a budget that would barely cover basic necessities elsewhere. For example, renting a decent-sized house or apartment can range from PHP 8,000 to PHP 15,000 per month (approximately USD 140 – USD 265). A budget for groceries can be as low as PHP 5,000 (USD 88) a month if you mainly eat local food and shop at local markets.
According to recent studies, the Philippines in general has a lower cost of living than the US. The Numbeo cost of living index shows that Manila is significantly cheaper at around 37.03, while New York is much higher at 100.00. Keep in mind that this reflects only the country’s capital, and Samar could be even cheaper in comparison.
Safety and Security: A Peaceful Environment
Safety is a major concern for many expats. Samar, especially the more rural areas, boasts a low crime rate. While petty theft can occur, violent crime is relatively rare. Locals are generally law-abiding and helpful. You’ll find that people leave their doors unlocked, children play freely in the streets, and there’s a strong sense of community that looks out for each other. Always exercise basic common sense precautions wherever you are, but you’ll likely feel much safer and more secure in Samar than in many Western cities.
The People: A Culture of Warmth and Hospitality
Filipinos are known for their hospitality, and the people of Samar are no exception. They are incredibly friendly, welcoming, and eager to help foreigners feel at home. Don’t be surprised if your neighbors invite you over for dinner, offer you fresh fruit from their garden, or simply stop you on the street to say hello. Building relationships with locals is key to a successful and fulfilling expat life in Samar. Their genuine warmth and kindness will make you feel like part of the family.
A Slice of Paradise: Exploring Samar’s Natural Beauty
Samar is an island blessed with stunning natural beauty, from pristine beaches and lush rainforests to towering waterfalls and hidden caves. If you love the outdoors, you’ll find plenty to keep you busy. Calbayog offers incredible diving locations and beautiful beaches. Tinago Cave provides exciting caving adventures. The Lulugayan Falls, nicknamed “Mini Niagara Falls,” offers a place to relax and take amazing photos.
Outdoor activities abound: swimming, snorkeling, hiking, exploring, and simply enjoying the natural world. The island is far from the mass tourism of other areas, so it is perfect for the discerning expat who wants peace and quiet. The area is also renowned for its locally grown cacao which is processed in various small-scale establishments, from chocolate bars to cacao nibs. It’s a taste of the island you don’t want to miss.
Healthcare: Access to Medical Care
While Samar doesn’t have the same level of medical facilities as major cities, there are hospitals and clinics available to meet basic healthcare needs. Catbalogan City, the provincial capital, has several public and private hospitals. If you require more specialized treatment, you may need to travel to Tacloban City or Cebu City, which are relatively easily accessible by plane or ferry. It is still advisable to have a comprehensive health insurance that covers medical evacuation in the event of a serious emergency and it is always a good idea to research healthcare options beforehand.
Getting Around: Transportation Options
Transportation in Samar is relatively straightforward, although not always the most luxurious. The most common modes of transportation are jeepneys, tricycles, buses, and motorcycles (habal-habal). Jeepneys are a cheap and convenient way to travel short distances within cities and towns. Tricycles are ideal for getting around smaller areas. Buses connect major cities and municipalities. Renting a motorcycle or car is also an option if you prefer more independence. Just be prepared for rough roads in some areas. You can fly to Catbalogan Airport, the main airport of the Province, though this is subject to changes.
Food, Glorious Food: A Culinary Adventure
Samar cuisine is a delightful mix of fresh seafood, local produce, and traditional Filipino flavors. Expect to find plenty of grilled fish, shrimp, and squid, as well as dishes like kinilaw (Filipino ceviche), adobo (braised meat in soy sauce and vinegar), and sinigang (sour soup). Rice is the staple grain, and you’ll find it served with almost every meal. Local markets are brimming with fresh fruits and vegetables, many of which you may have never seen before. Be adventurous and try new things! Cooking your own meals is very economical. Many expats enjoy discovering new Filipino dishes and learning to prepare them.
Staying Connected: Internet and Communication
Internet connectivity in Samar is improving, but it’s not always as fast or reliable as what you might be used to in your home country. Mobile data is generally available, but speeds can vary depending on your location. If you need a reliable internet connection for work or other purposes, consider getting a pocket wifi device or a home internet plan from one of the major providers (e.g., Smart, Globe). It’s also a good idea to purchase a local SIM card for your phone to stay connected and make local calls.
Language Barrier: Learning the Basics
While many Filipinos speak English, learning a few basic phrases in Waray-Waray (the local language in Samar) will go a long way in showing respect and building relationships with locals. Even simple greetings like “Maupay nga aga” (Good morning), “Maupay nga hapon” (Good afternoon), and “Salamat” (Thank you) will be appreciated. There are language learning apps and online resources available to help you get started.
Finding a Home: Where to Settle Down
Several towns and cities in Samar are popular among expats, each with its own unique charm. Catbalogan City, the provincial capital, offers a more urban environment with access to amenities and services. Calbayog City is a coastal city known for its beautiful beaches and diving spots. Guiuan is a historic town with a laid-back atmosphere and stunning scenery. Research each area carefully and visit different locations to find the one that best suits your needs and preferences.
Consider factors such as proximity to hospitals, markets, and transportation when choosing a location. Renting is a good option if you want to try out different areas before committing to buying property.
Making Friends: Building a Community
Building a social network is crucial for a successful expat life. Join local groups and organizations, attend community events, and participate in activities that interest you. Connect with other expats and Filipinos who share your interests. Don’t be afraid to strike up conversations with people you meet, and be open to new experiences. The friendly and welcoming nature of the people of Samar will make it easy to form meaningful connections.
Things to Consider Before Moving
While Samar offers many advantages, there are also a few things to consider before making the move. Infrastructure is still developing in some areas, and access to certain amenities and services may be limited. The pace of life is slower, which can be a positive or a negative depending on your personality. Be prepared for occasional power outages and water shortages, especially during the dry season. It’s essential to be adaptable, patient, and willing to embrace the local culture.
Dealing with Bureaucracy: Patience is Key
Be prepared for a bit of bureaucracy when dealing with government agencies and other official processes. Things may not always be as efficient as you’re used to. Patience and a good sense of humor are essential. It’s often helpful to have a local friend or acquaintance who can guide you through the process.
Embracing the Culture: Respect and Understanding
Immerse yourself in the local culture and learn about the traditions, customs, and values of the people of Samar. Respect their way of life and avoid making generalizations or comparisons to your home country. Be open-minded, curious, and willing to learn. The more you embrace the culture, the more rewarding your expat experience will be.
Embracing a Simpler Life: Away from Commercialism
Samar offers a retreat from the increasingly commercialized modern world. It provides you an opportunity to embrace a simpler, more meaningful way of life. Focus on relationships, experiences, and personal growth instead of material possessions. Connect with nature, appreciate the small things, and find joy in the everyday moments. The slower pace and simpler lifestyle can be incredibly therapeutic and enriching.
Navigating Politics: Staying Informed
Learn about the local political landscape and stay informed about issues that affect your community. While you may not be able to vote, you can still participate in local discussions and advocate for causes that you believe in. Being engaged and informed will help you feel more connected to your new home.
Managing Your Finances: Banking and Currency
Open a local bank account to manage your finances and pay your bills. Major banks have branches in Samar. Familiarize yourself with the Philippine currency and exchange rates. Be aware of any fees or restrictions associated with transferring money from your home country. It’s also a good idea to keep some cash on hand, as credit cards may not be accepted in all establishments.
Adjusting to the Climate: Dress Accordingly
Samar has a tropical climate with high humidity and temperatures year-round. Dress in light, breathable clothing and protect yourself from the sun with sunscreen, hats, and sunglasses. Be prepared for occasional heavy rains and typhoons, especially during the rainy season (June to December). Having a reliable rain jacket and umbrella is a must.
Leaving a Positive Impact: Giving Back to the Community
Consider giving back to the community by volunteering your time, donating to local charities, or supporting small businesses. Your contributions can make a significant difference in the lives of others. By leaving a positive impact, you’ll not only enrich the lives of those around you but also deepen your connection to your new home.
FAQ Section: Your Questions Answered
Is Samar a safe place for expats?
Yes, Samar is a relatively safe place for expats, especially in the more rural areas. While petty crime can occur, violent crime is rare. Always exercise basic safety precautions and be aware of your surroundings.
What is the cost of living in Samar?
The cost of living in Samar is significantly lower than in major cities and other popular expat destinations in the Philippines. You can realistically live comfortably on a budget that would barely cover basic necessities elsewhere. Rent, food, and transportation are all very affordable.
What is the local language in Samar?
The local language in Samar is Waray-Waray. While many Filipinos speak English, learning a few basic phrases in Waray-Waray will go a long way in showing respect and building relationships with locals.
What kind of healthcare is available in Samar?
Samar has hospitals and clinics that can meet basic healthcare needs. Catbalogan City, the provincial capital, has several public and private hospitals. If you require more specialized treatment, you may need to travel to Tacloban City or Cebu City.
How do I get around in Samar?
The most common modes of transportation in Samar are jeepneys, tricycles, buses, and motorcycles (habal-habal). Renting a motorcycle or car is also an option. Catbalogan Airport is the primary airport in the Province for flights.
Is it easy to make friends in Samar?
Yes, the people of Samar are incredibly friendly and welcoming, making it easy to form meaningful connections. Join local groups and organizations, attend community events, and participate in activities that interest you.
What are some of the things to do in Samar?
Samar offers a wide range of activities, including swimming, snorkeling, hiking, exploring caves and waterfalls, and immersing yourself in the local culture. The island is known for its natural beauty and outdoor adventures.
What is the internet like in Samar?
Internet connectivity in Samar is improving, but it may not be as fast or reliable as what you’re used to in your home country. Mobile data is generally available, but speeds can vary. Consider getting a pocket wifi device or a home internet plan if you need reliable internet.
What is the weather like in Samar?
Samar has a tropical climate with high humidity and temperatures year-round. Be prepared for occasional heavy rains and typhoons, especially during the rainy season (June to December).
What should I pack when moving to Samar?
Pack light, breathable clothing, sunscreen, hats, sunglasses, a rain jacket, and an umbrella. Also, bring any necessary medications and personal items that may not be readily available in Samar. Remember to pack a smile and an open mind!
References
Numbeo Cost of Living – Philippines
Ready to Trade the Crowds for Culture?
If you’re seeking a retirement destination that offers affordability, safety, natural beauty, and an authentic Filipino experience, Samar might just be your paradise found. Take the leap, explore the island, connect with the locals, and discover a slower, simpler, and more fulfilling way of life. What are you waiting for? Your adventure in Samar awaits.
