Best places to retire in Philippines
Top retirement cities in Philippines
- Baguio — retire score 73/100 (cost 62, climate 97, safety 63)
- Koronadal — retire score 68/100 (cost 62, climate 82, safety 61)
- Tagaytay — retire score 67/100 (cost 62, climate 80, safety 62)
- Pagadian — retire score 66/100 (cost 62, climate 78, safety 61)
- Zamboanga — retire score 66/100 (cost 60, climate 82, safety 57)
- Antipolo — retire score 66/100 (cost 60, climate 81, safety 60)
- Cotabato — retire score 66/100 (cost 62, climate 81, safety 55)
- Cebu City — retire score 65/100 (cost 60, climate 76, safety 60)
- Calamba — retire score 65/100 (cost 61, climate 80, safety 56)
- Tuguegarao — retire score 65/100 (cost 62, climate 74, safety 61)
- Davao — retire score 65/100 (cost 59, climate 84, safety 53)
- Butuan — retire score 65/100 (cost 62, climate 78, safety 55)
Why these cities rank for retirement in Philippines
The retire score weights affordability at 40%, climate comfort at 30% and safety at 30%, because fixed-income retirees feel cost most, then weather, then security. In Philippines, Baguio leads at 73/100 — cost 62, climate 97, safety 63 — while Baguio is the most affordable base (cost 62/100). Cost is anchored to Philippines's World Bank price level, climate to WorldClim normals (so you can judge whether winters and summers suit you), and safety blends natural-disaster exposure with crime. Two things our score deliberately omits — healthcare quality and retirement-visa eligibility — are decisive for retirees, so treat this as the affordability-climate-safety shortlist and verify health cover and residency rules for Philippines separately before you commit.
The shortlist, by the numbers
Baguio scores 73/100 (cost 62, climate 97, safety 63; warmest-month highs ~24.6°C, coldest-month lows ~21.2°C). Koronadal scores 68/100 (cost 62, climate 82, safety 61; warmest-month highs ~27.5°C, coldest-month lows ~26.1°C). Tagaytay scores 67/100 (cost 62, climate 80, safety 62; warmest-month highs ~28.0°C, coldest-month lows ~25.1°C). Pagadian scores 66/100 (cost 62, climate 78, safety 61; warmest-month highs ~28.3°C, coldest-month lows ~26.9°C). Each balances the three retirement levers differently — Baguio leads overall, while a city like Baguio wins purely on budget — so rank them by what your pension stretches to and the climate your health prefers.
FAQ
Where is the best place to retire in Philippines?
Baguio ranks highest in our retirement score (73/100), balancing affordability, mild climate and safety.
Is Philippines a good place to retire?
Philippines's best retirement city scores 73/100; the most affordable is Baguio (cost 62/100). We weigh cost, climate and natural-disaster + crime safety — not healthcare or visas, which you should check separately.
What's the cheapest place to retire in Philippines?
Baguio has the lowest cost of living in Philippines in our data.
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