Survey Results: Western Expats in the Philippines

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Survey Results: Western Expats in the Philippines.  Most migration between the West and the developing world flows in one direction. People in developing nations seek better economic and educational opportunities, safer and less polluted environments, and less corruption.

passport stampBut in the last few decades, Westerners increasingly have been moving to developing nations, perhaps to one often visited as a tourist. Often the main motive is lower living costs. The global financial crisis and the neo-liberal onslaught have made living in the West insecure and impoverished for many, and many are unable to retire comfortably at home. There now is a minor publishing industry advising on how to make an international move. These books often have a very optimistic tone, implying that anyone would be crazy not to leave a politically correct, expensive, regimented Western country for a developing nation like Cambodia or the Philippines, with its low costs, friendly people, and vibrant culture. Researchers have been studying how well such moves actually do work out, particularly after a few years residence. Researchers have examined expats in Indonesia, Malaysia, and various Latin American nations. In 2005, I did a study of Western residents in Thailand. The move worked out well for some but not for others. Many left after a few years in-country, as the honeymoon glow wore off, assimilation proved illusory, and the reasons why many locals wish to leave a developing nation for the West became apparent. One major concern was increasing health problems in later years. Thailand and Cambodia have many elderly Westerners whose money has run low and who cannot afford health care. Embassies often may help them little. Little is known about Western expats in the Philippines. The country is a bit off the well-trod tourist routes and has a dangerous reputation. However, the East/West cultural gap is not quite as great as elsewhere and most Filipinos speak an English dialect. The nation reputedly is foreigner-friendly and many locals see marrying a Westerner as like winning the lottery. Is moving there a good option and for whom? The 2010 Philippines census lists 54,246 Western residents but many actually may be of Filipino descent and some Western residents are not counted. They live in-country only part of the year or are on successive tourist visas. From various embassy estimates, I calculate very roughly around 218,350 Western residents of non-Filipino descent. Most of the 134 survey respondents are male retirees, with a median age of 56 years old. Nearly half are from the United States. Most are married to a Filipina or have a live-in Filipina partner. Of the three female respondents, one was married to a Filipino, one to a non-Filipino, and one was single. Most hold at least a bachelor’s degree. Their median length of stay in-country was four years and median annual income was U.S. $45,000, with over half living on pensions and/ or investments. The most common cited reasons to move to the Philippines by far were the low living costs (cited by six as the only motive) and the climate.

Table 1. Reason/s moved to Philippines. Percentage citing each alternative. Any number of alternatives could be cited.

Low living costs 65.67 Climate 54.48 Filipino lifestyle 31.34 Dislike home country 26.12 Filipino partner returned 17.91 Availability of sex partners 15.67 To take up job 9.0 Other 36.57

Some comments were ‘… pension adequate to live here, not in U. S.’, ‘To survive on a low income’ and ‘ … everything here is super-cheap’. Some had come to an expat job arranged overseas and 17.91% had a Filipino partner who had wanted to return. A few met a Filipina online and moved to the Philippines to be with her. Some disliked their home country. Some comments were; ‘Too much red tape, taxation. Government watches your every move’ and ‘We were very dissatisfied with the U.S. in general’. An open-ended question asked for what they missed least about life in the West and some comments were; ‘High cost of living and too much work and not enough holiday time’, ‘A life that revolves around work’, ‘Surveillance state, taxation, extreme political correctness’, and ‘Cold weather, cops on every corner ready to write a ticket, unfriendly and rude people’. Additional stated motives were ‘Low stress and low taxes’ and ‘English widely used and understood’. For the advantages of living in the Philippines, 50% cited the low cost of living, 28.36% the possibility of having a Filipina wife and a family, and 20.15% the climate. Some comments were; ‘Easy way of life’ and ‘Less stress and great family life’. What did they miss most about life in the West? Some just said ‘Nothing’ but 19.4% cited the food and 15.67% cited family and friends. Comments were; ‘People obeying laws and rules’, ‘… parks, playgrounds, cleanliness’, ‘Intellectual conversations’, ‘Non-Mafia police, sane driving, unblocked sidewalks, people who speak English’ and ‘Mental kinship’. On the main problems they had experienced living in the Philippines, 10.45% cited health care (high cost, low quality) as concerns. Some comments were; ‘Most medical facilities are unclean and have low-skilled practitioners’ and ‘You have to pay for all medical care upfront. No money. No care’. Others cited legal problems; ‘Westerners have no rights in legal disputes with a Filipino. You will lose’. On what they liked least about living in the Philippines, corruption was most often cited, followed by trash and general lack of cleanliness. Some comments were; ‘The food sucks and you are viewed as a cow to be milked’, ‘Pollution and heat drive me nuts, along with the traffic’, ‘Insane traffic’, ‘Lack of pride in workmanship’ and ‘Nobody seems to want to do anything well or better’. A recurring theme on expat websites is problems with a Filipina partner, particularly sending money to her family. One Internet poster summarised a common Western attitude with; ‘The best advice …regarding marrying a Filipina is live at least two islands or six hours away from her family’. Another recommended marrying only an orphan. But few respondents cited this problem. One comment was; ‘My wife’s family think we are ATM machines’. Two cited their main dislikes as ‘The common attitude that all foreigners are rich and should therefore hand out money to everybody around them’ and ‘People always asking for money’. About one third of survey respondents reported that local crime was a concern but nearly half were unconcerned, sometimes because they lived in a peaceful rural setting. Some comments were; ‘Many thieves and low-level crimes’, ‘There is never an opportunity to let your guard down’, ‘Need to be very security aware all the time. If there are two or more Filipinos present, they start talking in the local dialect, even if they speak English very well’ and ‘Limitation of personal freedom due to danger of crimes’. Nearly 40% had been a crime victim. Some comments were; ‘Have been held up at knife point’, ‘Burgled twice’, ‘Gold chain snatched from around my neck’, ‘Pick pocket gang once in Manila’, ‘ATM card skimmed’, and ‘In three years I have been robbed seven times’. Most described their own well-being and the overall quality of life for foreigners in the Philippines as excellent or good.

Table 2. Well-being and quality of life.

Own well-being

Excellent 27.61 Good 52.24 Neutral 17.16 Poor 2.99 Very poor 0

Overall quality of life for foreigners in general

Excellent 16.42 Good 50 Neutral 25.37 Poor 5.22 Very poor 2.24 No response 0.7

Many respondents personally felt accepted by Filipinos but nearly half did not or were in between. Some comments were; ‘Many Filipinos are very suspicious of foreigners’, ‘… too much discrimination against foreigners here’, and ‘I sit in my front porch smiling and waving. People look at me like an ape in the zoo’. Indeed, many reported socialising mostly with other foreigners or in the bar scene and a few said they did not socialise at all. Some comments were; [I socialise mostly] ‘With foreigners with Filipino wives’ and ‘Wife’s friends and family’, ‘Mix of other foreigners, Filipino friends and family’, and ‘Foreigners with Filipina wives’. Most still were happy with their decision to migrate but some were not. Barriers to leaving may include cost and a Filipina partner who wants to stay on. Some comments were; ‘Life for expats in the Philippines was better before 2000. Wouldn’t plan to stay if my wife wasn’t a Filipina’ and ‘The Philippines is very hot, very polluted, very corrupt, has … dangerous roads and ferries, customer service is not good (i.e. can’t return things, long queues, etc). The positive is really a lower … cost of living … I’ve lived in Ecuador and I think it’s a much better place for a retiree however my wife has family here …’.

The polarisation of views on living in the Philippines is particularly striking.

‘People who come to live in the Philippines either leave after a short time or stay for life in my experience.’ ‘I would advise all not to move here. … They want your money but they don’t want you here’, ‘ ‘Some love it here and some cannot adjust.” ‘Those who fight the Philippine ways are unhappy here.’ “Many other countries that have lower living costs, less hassles, seem attractive now.’ “I hate the place. Hate the food, hate most of the people, hate the culture.” ‘The food sucks and you are viewed as a cow to be milked.’ ‘Retirees tend to be happy. Foreigners working here tend not to be due to the incompetence of staff and laziness.’ ‘You can turn a blind eye to most of the drawbacks but in the end it wears you down.’ ‘I think my experience is better than most…It’s a wonderful place, but individual experiences, obviously, will vary’, ‘Most Westerners seem happy enough. Local girls take care of older guys with health problems’. ‘Expats on modest incomes and with some serious medical conditions should be very careful before opting to retire here’. “If you are a self- sufficient individual who loves and respects people, believes that family centred cultures work well and have enough income to live comfortably ($25,000 per year), The Philippines is a pretty nice life. If you are a wuss, “redneck”, or think Filipinas are submissive little wives, don’t even bother!

In conclusion, the move works out for some but not for others. Many may have left soon after arrival so the successes may actually be a small percentage of migrants. But this is true of migration to Western nations as well; Many migrants eventually leave. So any stay needs a long trial and the possibility of exiting if necessary.

This article is copyright 2014 by Robert Howard but may be used freely on any website.

The author: Robert Howard until recently taught at the University of New South Wales in Australia. He first visited the Philippines in 1981. He has research interests in tourism and the lives of Western expats in Southeast Asia. He is the author of five books. The latest (2012) is Islands in the Orient Sea: Travels in the Edgy 21st Century Philippines.

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  1. Been living here for 2 years, with my filipina wife and son. We are leaving this country as soon as all the visa paper work is done and approved. Personally the only thing I enjoy about living here is the low cost of living, and a large majority of smiling faces…..We may come back some day to this country in the a few years, but we may decide to explore other options as well. There is no perfect place to live on earth!


  2. Thank you for a very enjoyable post,As for living here, one must feel comfortable with their surroundings.But I do find myself upset occasionally : ie I look to use a knife at meal time or want to say something to someone in a theater talking on their cell phone at 75db. Good manners are hard to find .It doesn’t take education to have good manners. People can be very poor or rich and be very polite.Often times I say “Your Welcome” very loudly when I open the door for them as they walk by saying nothing. I don’t have to do this ,but I think its my way of showing I respect them. My parents said these things while I was growing up• Say “Please”Be generous• Wait your turn • Obey rules• Share •Be a good listener •Respect people in charge •Be on time • Wipe your feet •Help with chores•Be a good sport •Hold the door for others •Lend a helping hand •Smile • Knock before entering, Never make fun of others •Don’t lose your temper ,Respect others’ feelings •Be patient •Say “Excuse me”• Speak quietly • let others know you care• Don’t point your finger at people •Keep your hands to yourself • Be friendly • Obey your parents or guardians •Put trash in a bin • Offer your seat •Clean up after yourself • Greet people politely • Ask before you borrow something • Return things you borrow on time •
    ·Be kind to all creatures • Use a tissue, not your sleeve, to wipe your nose •Put your toys away •Say “Thank you” •Solve problems with words, not fights • Wash up before you eat •Keep your elbows off the table • Put your napkin on your lap • Chew with your mouth closed • Ask for food to be passed – don’t reach • Don’t talk with your mouth full. Don’t play with your food • Use your napkin • Be polite when given new foods •Never slurp your soup • Ask permission to be excused from the table • Push in your chair • Cover your mouth if you cough or sneeze• Don’t smack your gum •Sit up straight •
    Give compliments •Make eye contact when you talk to someone •Don’t cut in line • Speak clearly • Call ahead before visiting • Don’t ask how much things cost •Even if you don’t like a gift, say “Thank you” • Keep your feet off furniture •Don’t spit in public • Don’t ask adults how old they are •Respect your classmates • Flush the toilet. Put the toilet seat down when you’re done • Wash your hands after using the bathroom • Play quietly if someone’s sleeping/working • Tell the truth •Pay back money you owe •Keep quiet in movie theaters •Ask before touching things. If you say you’ll do something, do it • Don’t talk bad about others •Care for the earth • Think of others before yourself •Say “I’m sorry” • Introduce new friends • Don’t swear • Always write down others’ phone messages • Thank people who invite you to do things • Walk – don’t run – indoors • Talk softly when in the library, store, or doctor’s office • Be polite on the phone • Don’t call others too early or too late • Send thank-you notes •Wait your turn to talk • Show respect far your brothers and sisters • Say “Excuse me” if you bump someone •Don’t push or shove or cut inline • Take only your fair share • Remember others’ birthdays • Walk your pet on a leash • Take care of other people’s things •Offer to help clean up • Say “You’re welcome” • Treat others the way you want to be treated .aah what do they know I’m in a third world country


  3. This article is a bit out of date.
    Things are not cheaper here if you convert the prices to dollars. The Gas seems cheaper until you figure that there are 3.8 liters to a gallon andwe are buying in liters here. Multiply that and then convert it to Dollars and the price matches or exceeds US prices.
    Food is the same.
    Maybe the survey was done before I got here.
    Medical care is also very good and cheaper than in the States. The US insurance is reluctant to pay for here though. They seems to think we are living in the jungle or something.
    I had cancer in my left Kidney and the complete operation to remove it cost a little over $4000. Try that in the States. The facility was modern and clean.
    My second operation was on the other kidney and it cost a little over $3000 and the insurance only wanted to pay about $700 for it because they said it was too expensive. I have to pay for that insurance because of Obamacare but don’t use it unless I must. I still pay up front.
    Overall it is a bit unsafe but if you take precautions and are constantly aware of your surroundings you will be okay. It helps to have a Filipina spouse. they know what to watch for and if they care about you they will guide you in the right way and proper precautions.
    I plan to remain here until I die. I already have my place and the arrangements made and paid for.
    The Philippines is a nice place. Yes, there is crime and corruption but have you seen what is going on in the States now?
    Your attitude is what will determine if you like it here or not. It is the same anywhere you live.


    • Yea Ken I agree. As an American I’m retired living in Banna and its ok. Been here almost 4 yrs. its peaceful & quiet here. And it takes getting used to because it is so different . American foods are more expensive which I eat a lot of and Filipino food is a lot cheaper. The meat here is like shoe leather unless you boil it then do what ever to it like BBQ . People seem pretty nice here . Its not like the places South of here that flood and have bad storms. I have 5 hector back yard 1/2 is an orchard and other half I’m building my own Park w/ Gazebo, BBQ area , a water fountain and a work shop. I couldn’t afford all this in USA lol .


  4. Like the “your results may differ” warning at the end of a commercial, there isn’t a guarantee that the positive experiences many have settling in the Phils will apply to everyone. I can share my experience in a 7 months ‘pre-retirement’ stay in Negros and Panay. One of the distinguishing attributes of the Phils is its heterogenous composition geographically and culturally. Big difference between Bacolod, Negros or Valderama, Panay and Manila, Luzon. So I would think the findings would be more useful if segmented by types of communities the respondents live in. In addition, to be meaningful we need to normalize the responses against overall retirement attitudes globally. For example, some percentage of retirees will complain of not being accepted no matter where they may retire – but is that percentage higher in the Phils than in Phoenix? Costa Rica? Just as a certain percentage of people complain about the weather – no matter what it is.
    As for those who were unfortunate to experience social isolation in the Phils, I can report my experience couldn’t be more different. My feeling of acceptance and connectedness with the Filipinos I met was certainly enhanced by my activity, how I say the country – by cycling hundreds of miles around Panay and Negros islands, often with enthusiastically welcoming Philippine cyclists. I imagine if I had lived a traditional less active American retiree lifestyle – (living with other retirees, watching TV, golfing, driving a car everywhere) my experience would have felt totally different. But if there is a more welcoming, open, and social culture elsewhere on the planet, I haven’t found it yet. I can’t wait to go back. I would certainly suggest to anyone thinking about this option, that extensive travel among the islands and communities – a pleasure no matter the outcome – would help bring the right choices into focus. And some people, well, they’ll find a way to be unhappy no matter where they live. As Bette Davis once said, “Getting old is not for sissies.”


  5. Be patient with my English grammar, though I studied the “English Grammar”, some of my writings have “cultural conditioning”, and often I do not perform the “mundane” task, “imperative rule in writing” – “PROOF-READING”.
    Perhaps, you can proof-read my articles ? I will treat you to TATOY’s MANOKAN, the best in ILOILO (since the 60’s, they have been around for sometime, the people managing are second generation of Tatoy Espinosa.
    I know them because I always eat there while in the Philippines.

    Looking forward meeting you both in ILOILO, GODWILLING next year

    THANK YOU so much for this great article, and blog !

    I am currently studying the Arabic culture, and history. I have been in the Middle East since August, 2014.



  6. The Philippines is a great place for retirees. People specially from North America, and other “democratic” western and eastern nations, our small pension money can go a long way. But, the greatest of all – THE PEOPLE, one of the best, if not the best in Asia. The only CHRISTIAN nation in Asia, is an asset for many Western Christians, you will feel at home. For non-Christians, the people are still welcoming, treat them with RESPECT, they will cherish , and protect you. Our Philippine challenges and problems are not unique. Philippines has corruption issues, and others. According to TRANSPARENCY International we are not the worst. (if not bad at all). Philippines has been HISTORICALLY a stable ally of the greatest democracy on earth, United States of America. 🙂


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