Moving to the Philippines attracts many expats thanks to its tropical climate, welcoming people, and the lower cost of living compared to Europe or North America. But before enjoying this lifestyle, it’s important to prepare your arrival carefully, starting with choosing the right housing in the Philippines. In this guide, you will discover 2025 rental prices, key steps, and our tips to make your move a success.
1. Can Expats Rent in the Philippines?
Yes, expats can easily rent housing in the Philippines ! While buying land is restricted by law, renting is open to all foreigners. This is a very common practice in major cities like Manilla, Cebu or Davao, which host large expat communities.
Most rental contracts in the Philippines are signed for a minimum of 12 months, although sometimes you can negotiate for 6 months. When signing, landlords generally ask for 2 months security deposit more 1 months advance rent. Many also require post-dated checks for monthly payments.
Steps for Renting Housing in the Philippines
In general, it takes between 1 and 3 weeks to finalize a rental in the Philippines because several steps are involved :
- Searching and viewing properties takes approximately 1 week
- Negotiating the price and rental terms
- Signing the lease with deposit and advance payment
- Setting up utilities such as water, electricity or internet. These final steps may take 3 days to 2 weeks, depending on the city.
2. Types of Housing in the Philippines
Housing in the Philippines comes in many types, offering options suitable for expats :
- Modern Condominiums : Common in Manila and Cebu, they provide comfort, security, and amenities like pools, gyms, and 24-hour security. Perfect for young professionals, digital nomads, or anyone wanting to live near business districts. For example, a one-bedroom in Makati costs between 45,000 and 70,000 PHP (€720–€1,120).
- Subdivision Houses: Gated residential neighborhoods often chosen by families. They offer more space and sometimes a garden. Prices vary, but a family house can start at around 40,000 PHP (€640) per month in some cities.
- Independent Apartments: More affordable but without the amenities of condominiums. Suitable for those on a budget, especially in provincial areas, where a one-bedroom can be rented from 12,000 PHP (€200) per month.
- Shared Housing and Airbnbs: Often used temporarily while searching for a long-term rental. This is a practical way to settle in gradually and explore neighborhoods before signing a full lease.
Modern condominiums are private units within a building or shared complex, offering security and convenient facilities.
3. Best Places to Live in the Philippines
For Students and Young Expats
For students and young expats, the vibrant neighborhoods of Makati and especially Bonifacio Global City (BGC) are the best options. They offer a lively urban lifestyle, with universities and international schools nearby, as well as a wide selection of cafés, restaurants, and shopping centers. It’s also the easiest place to meet other young expats. However, the cost of living is high in these areas.
For Families
For families, residential areas like Alabang or certain parts of Quezon City are preferred. These neighborhoods offer more space, gated community houses, good schools, and a calmer atmosphere compared to central Manila. In Cebu, families often choose Banilad or Talamban, where you’ll find large homes and well-established international schools.
For Retirees
For retirees, the priority is often peace and the affordable cost of living. Cities like Dumaguete, Iloilo, and Bacolod are increasingly popular due to their relaxed pace of life, quality hospitals, and affordable rents. Some also prefer Davao City, known for its safety and cleanliness, offering a calmer environment than Manila.
For Digital Nomads and Freelancers
Cebu City, especially the IT Park and Lahug neighborhoods, is ideal: reliable internet, lower rents than Manila, and proximity to beaches make life more enjoyable. For those looking to combine remote work with a paradise-like setting, areas like Siargao or Palawan also attract online workers, although internet infrastructure can be more variable there.
4. Cost of Housing in the Philippines
The cost of housing in the Philippines varies widely depending on the city, neighborhood, and type of property. Major cities like Manila or Cebu have rents close to international standards in their most modern districts, while medium-sized cities and provincial areas remain much more affordable. To give you a clear overview, here’s a summary table of average rental prices in 2025.
| City | Studio | 1 bedroom | 2 bedroom |
| Manille | 25 000 – 40 000 PHP (400 – 640€) | 45 000 – 70 000 PHP (720 – 1 120€) | 80 000 – 120 000 PHP (1 280 – 1 920€) |
| Cebu | 10 000 – 15 000 PHP (150 – 240€) | 30 000 – 50 000 PHP (480 – 800€) | 60 000 – 70 000 PHP (960 – 1 120€) |
| Davao City | 10 000 – 15 000 PHP (150 – 240€) | 15 000 – 25 000 PHP (240 – 400€) | 30 000 – 40 000 PHP (480 – 640€) |
| Villes moyennes (Iloilo, Dumaguete, Subic) | 8 000 – 15 000 PHP (120 – 240€) | 12 000 – 22 000 PHP (200 – 350€) | 25 000 – 37 000 PHP (400 – 600€) |
5. How to Find Housing in the Philippines ?
Searching for housing is often done online, using sites like Lamudi, DotProperty, or Rentpad. Facebook groups are also very popular for contacting landlords or agents directly. If you go through an intermediary, make sure they are licensed by the PRC, the agency that regulates the profession. Finally, visiting the property in person is essential, as online photos don’t always reflect reality.
6. Documents Needed to Rent Housing in the Philippines
To sign a lease, an expat must provide :
- A valid passport
- A current visa
- An ACR I-Card for stays longer than 59 days; it is valid for 12 months.
- Proof of income or a work contract
- Post-dated checks (PDCs) for monthly rent
Renting a home in the Philippines is relatively easy for expats, unlike buying property, which is much more complicated due to local laws.
7. Legal Tips and Pitfalls for Expats
Although renting in the Philippines is easy, stay vigilant : always sign a written contract, verify the landlord, and avoid cash payments. For secure international transfers, services like Wise let you pay rent or deposits from abroad without hidden fees or delays. The standard practice is 2 months’ deposit plus 1 month’s advance rent. Also, check condominium rules and any tax obligations related to renting.
- Documentary Stamp Tax : A small tax that some landlords may charge when signing the lease.
- Property Taxes : Typically the landlord’s responsibility, though some may try to pass them on to the tenant.
- For Expats Considering Buying a Condominium : Be aware of purchase-related taxes, such as VAT (if applicable) or property transfer taxes.
For more information on tax obligations in the Philippines, check out our article on taxes in the Philippines.
In conclusion
Moving to the Philippines is a unique experience that attracts more and more expats each year. With rental options for every budget, a wide variety of housing, and cities catering to families, students, freelancers, and retirees alike, the country offers real opportunities for a great life. By taking the time to choose the right neighborhood, understand local rules, and plan your budget, you can fully enjoy the high quality of life the Philippines has to offer.
Thinking about moving to the Philippines but want more information? Check out our 5 reasons to live in the Philippines in 2025.
Can an expat rent a home in the Philippines with a tourist visa?
Yes, it’s possible. Many landlords accept expats on a tourist visa, especially for one-year leases. However, for longer stays, an ACR I-Card may be required.
How much do you need to pay when signing the lease?
The usual practice is to pay two months’ security deposit and one month’s advance rent. Some landlords also request post-dated checks for future rent payments.
What type of housing should expats choose?
Expats often prefer city condominiums. Families usually go for subdivision houses, while retirees and freelancers tend to choose quieter cities like Dumaguete.
What additional costs should be expected besides rent?
Besides rent, you should budget for condo fees (usually €30–€100), electricity (€40–€120), internet (€20–€40), and possibly parking (€40–€80).
