How to Relocate to Cebu: Step-by-Step Guide for Expats

Introduction

Thinking about relocating to Cebu? You’re not alone. Thousands of expats have made this vibrant island in the Philippines their new home. With its affordable lifestyle, friendly locals, tropical weather, and growing expat communities, Cebu has become one of the most attractive relocation destinations in Southeast Asia.

In this guide, we’ll walk you through every step of the relocation process—from paperwork and visas to housing, education, and local life—so you can move to Cebu with confidence.

Step 1: Decide If Cebu Is Right for You

Relocating to another country is a big decision, and the first step is to make sure Cebu fits your needs and lifestyle. Cebu offers a unique blend of modern city life and laid-back island vibes, making it a favorite among expats from around the world. But is it right for you?

Here are key questions to consider:

• Are you looking for tropical weather all year round? Cebu is warm and sunny most of the year, with an average temperature of 27–30°C.

• Do you need modern amenities? Cebu City has large shopping malls, international hospitals, co-working spaces, and fast-growing infrastructure.

• Do you enjoy beach life? With world-class beaches just 30 minutes away, weekend getaways are always within reach.

• Do you want to live affordably? The cost of living in Cebu is significantly lower than in Western countries or cities like Tokyo, Singapore, or Seoul.

• Do you prefer a slower, relaxed pace of life? Filipinos are known for being warm, friendly, and easygoing.

If your answers are mostly “yes,” Cebu might be a perfect match.

What Type of Expats Typically Choose Cebu?

Cebu is home to a wide range of expats:

• Digital Nomads and Remote Workers – thanks to good internet and co-working spaces.

• Retirees – who enjoy a quiet lifestyle with access to healthcare and nature.

• Young Professionals – teaching English, working in call centers, or doing internships.

• Families – looking for a safe environment and international education options.

Note: Cebu also has a growing Japanese, Korean, and European expat community, which makes it easier to settle in culturally.

Cebu: Pros and Cons

Here’s a quick overview to help you decide:

Bottom Line: If you’re seeking a destination with a balance of cost, comfort, and community—plus beach access—Cebu deserves to be on your shortlist.

Step 2: Choose the Right Visa

Before moving to Cebu, you need to determine the best visa option based on your purpose and length of stay. Fortunately, the Philippines offers several visa types that are popular among expats.

Common Visa Options for Expats

• Tourist Visa
  Upon arrival, citizens of many countries receive a 30-day free visa, which can be extended multiple times up to 36 months (for most nationalities).

  Ideal for digital nomads or short-term explorers.

• Retirement Visa (SRRV – Special Resident Retiree’s Visa)
  Offered through the Philippine Retirement Authority, this visa allows indefinite stay with multiple-entry privileges.

  Requires a deposit and age requirement (35+ with pension or 50+ without).

• Special Work Permit / 9G Working Visa
  Required if you intend to work legally in the Philippines. Usually arranged by the employer.

  Involves paperwork and background checks.

• Student Visa
  If you plan to study for more than 59 days (e.g. at a language school like 3D ACADEMY), a student visa is recommended.

  Some schools help with the paperwork.

Visa Extension Process

If you arrive on a tourist visa and wish to extend:

1. Visit the Bureau of Immigration (BOI) in Cebu City.

2. Bring your passport and valid entry stamp.

3. Pay the extension fee (around ₱3,000–₱8,000 depending on length).

4. You’ll receive a Visa Extension Stamp and possibly an ACR-I Card (Alien Certificate of Registration) if staying longer than 59 days.

Note: Visa rules change frequently. Always check the Philippine Bureau of Immigration website or ask local expat groups for the latest updates.

Pro Tips

• Many long-term expats start with a tourist visa and extend it every 1–2 months.

• Applying for an SRRV might take time, but it provides peace of mind for retirees.

• If you’re under 18 or relocating with children, ask your school or lawyer about WEG permits or guardian requirements.

Step 3: Budget Your Move

Before you relocate to Cebu, it’s essential to understand the cost of living and estimate your monthly expenses. Cebu is known for being affordable, but costs can vary depending on your lifestyle.

Monthly Cost of Living in Cebu (for One Person)

Here’s a breakdown of typical monthly expenses:

Tip: If you’re sharing an apartment or living more simply, it’s possible to live well in Cebu for under $1,000/month.

One-Time Moving Costs to Consider

Currency and Payment Tips

• Currency: Philippine Peso (PHP)
  $1 USD ≈ ₱56–58 PHP (as of 2025)

• Banking: Most establishments accept credit/debit cards, but cash is still preferred in local shops and transport.

• International Transfers: Use Wise, Remitly, or Western Union for better rates than traditional banks.

Sample Monthly Budget (Digital Nomad Style)

Cebu allows flexibility in lifestyle—from minimalist digital nomad living to comfortable expat family life. Planning your budget carefully before your move can reduce stress and help you settle in faster.

Step 4: Find a Place to Live

Finding the right place to live is one of the most important parts of your relocation to Cebu. The good news? Cebu offers a wide range of housing options for every budget and lifestyle.

Types of Housing in Cebu

• Condominiums
  Most popular among expats. Condos come fully furnished, often with 24/7 security, pools, gyms, and backup generators.

  Price: $300–$800/month depending on location and size.

• Apartments / Shared Flats
  Great option for digital nomads or solo travelers. Shared kitchens and utilities help reduce costs.

  Price: $150–$400/month.

• Houses in Gated Communities
  Ideal for families or long-term residents. Often include private parking and garden space.

  Price: $500–$1,200/month.

Best Areas for Expats

Note: Most expats use Facebook groups or local rental agents to find accommodation. Some popular groups include “Cebu Apartment Rentals” and “Cebu Expat Housing.”

What to Check Before Renting

• Is the internet speed reliable in the unit? (Test it!)

• Are there backup power systems during brownouts?

• Is the neighborhood safe at night?

• Is public transport or Grab easily accessible?

• Does the landlord require minimum stay contracts (e.g. 6 months)?

Typical Rental Terms

• 1-month security deposit + 1-month advance payment

• Some landlords may ask for a copy of your passport

• Short-term stays (weekly or monthly) are available via Airbnb or serviced apartments

Tip: If you’re unsure where to settle, consider staying in a serviced apartment or co-living space for the first 1–2 months while you explore Cebu.

Step 5: Set Up Essentials After Arrival

Once you’ve arrived in Cebu, there are a few important tasks to complete in your first week to help you settle in smoothly. These essentials will make your life much easier.

1. Get a Local SIM Card

A local SIM card is a must for mobile data, calls, and SMS. You can get one at:

• Mactan-Cebu Airport (arrival area)

• Shopping malls like Ayala Center or SM City Cebu

• Official stores: Globe or Smart

Prepaid plans are cheap—about ₱300 ($5) for 10GB of data.

2. Visit the Bureau of Immigration (BOI)

If you’re staying longer than 30 days, you’ll need to extend your tourist visa:

• Where: Bureau of Immigration Cebu, J. Llorente St., Cebu City

• What to bring: Passport, entry stamp, cash

• Cost: ₱3,000–₱8,000 depending on the length of extension

If staying over 59 days, you may also need to apply for an ACR-I Card (Alien Certificate of Registration).

3. Open a Local Bank Account

Opening a Philippine bank account is useful for paying rent, utilities, or receiving local income. Major banks include:

• BDO (Banco de Oro)

• BPI (Bank of the Philippine Islands)

• Metrobank

Requirements: Passport, proof of address (rental contract or bill), and sometimes your ACR-I Card.

4. Get Health Insurance

While public hospitals are available, most expats use private clinics and hospitals. It’s best to have:

• Local insurance (e.g., Pacific Cross, PhilHealth)

• International coverage (e.g., Cigna, SafetyWing)

Tip: PhilHealth is affordable (~₱2,400/year) but limited. Private insurance offers faster service and private rooms.

5. Set Up Utilities (If Renting Long-Term)

If your rent doesn’t include utilities, you may need to manage them:

• Electricity: VECO (Visayan Electric Company)

• Water: MCWD (Metropolitan Cebu Water District)

• Internet: PLDT, Globe, or Converge

These services can be arranged with the help of your landlord.

Step 6: Get Around the City

Cebu is a relatively small city compared to Manila, but traffic and transportation can still be challenging, especially during rush hours. Knowing your options will make daily life much easier.

Transportation Options

• Grab (Ride-Hailing App)
  Grab is the most popular and reliable way to get around Cebu for expats.

  Simply download the app and link a credit card or local payment method.
  Prices are higher than taxis, but safer and more convenient.

• Taxis
  Widely available in urban areas, but not all drivers use the meter.

  Tip: Always ask the driver to turn on the meter or agree on a fare before departure.

• Jeepneys
  Traditional, colorful mini-buses that follow fixed routes.

  Very cheap (₱12–₱20 per ride), but confusing for first-time users.

• Motorcycle Taxis (Habal-habal)
  Found in suburban areas and cheaper than Grab.

  Not the safest option, especially in bad weather or traffic.

• Bus & MyBus
  MyBus operates modern buses on fixed routes, including to/from the airport and SM City Mall.

  Air-conditioned and affordable.

Buying or Renting a Motorbike

Many long-term expats rent or purchase a scooter or motorbike for daily commuting.

You’ll need a Philippine driver’s license or a valid international driving permit (IDP) to drive legally.

️ Parking & Traffic Tips

• Parking in malls is easy but may require a small fee (₱20–₱50).

• Traffic in Cebu City peaks between 7:30–9:30 AM and 5:00–7:00 PM.

• Rain can cause flash floods in low-lying areas, so avoid travel during heavy storms.

Tips for Getting Around Safely

• Stick to Grab or MyBus if you’re new to Cebu.

• Download Google Maps or Moovit to understand local routes.

• Ask locals or expats about shortcuts or safer neighborhoods.

• Always carry small change (₱20, ₱50 bills) for transport payments.

Step 7: Connect with the Expat Community

One of the best things about relocating to Cebu is that you don’t have to do it alone. There’s a thriving expat community here, made up of digital nomads, retirees, entrepreneurs, families, and long-term residents from all over the world.

Why Community Matters

Relocating to a new country can be exciting—but also isolating at first. Building a support network helps you:

• Get practical advice on local services

• Find housing and job opportunities

• Make friends and explore the island

• Learn cultural norms and avoid common mistakes

Where to Meet Other Expats

• Facebook Groups
  Join active groups like:

  • Expats in Cebu

  • Digital Nomads Cebu

  • Cebu Classifieds (for rentals, items, and advice)

  These groups are great for asking questions, finding events, or even buying furniture.

• Co-working Spaces
  Ideal for remote workers and digital nomads. Top spots include:

  • The Company (IT Park)

  • ASpace Cebu (Crossroads)

  • KMC Solutions (Cebu Exchange)

  Most offer high-speed internet, coffee, and networking events.

• Meetups & Events
  Look for:

  • Language exchanges

  • Business networking nights

  • Startup or tech meetups

  • Fitness or hobby clubs (e.g., diving, yoga, tennis)

• Local Cafés and Restaurants
  Cafés like Yolk, Tightrope, and Abaca Baking Company are popular among foreigners and remote workers.

‍‍ Tips for Making Friends

• Be open and curious—Filipinos are friendly and enjoy chatting.

• Attend events regularly to build familiarity.

• Offer help or share local tips—community is about giving, not just getting.

• Learn a few basic words in Cebuano (local language); it goes a long way!

Example:
“Maayong buntag!” = “Good morning!”
“Salamat” = “Thank you”

✨ Bonus: International Communities

Cebu has growing communities from:

• Japan and Korea – language schools, retirees, business owners

• Europe – especially Germany, France, and the UK

• Middle East – especially Saudi Arabia and UAE (students, families)

• USA and Canada – retirees, digital nomads

Many of these groups host cultural events or meetups where you can feel at home while living abroad.

Step 8: Consider Schooling If You Have Kids

If you’re relocating to Cebu with children, choosing the right school is one of the most important decisions you’ll make. Fortunately, Cebu offers a number of quality international schools that follow international curricula and use English as the medium of instruction.

Top International Schools in Cebu

Here are some of the most trusted international schools in the city:

Most schools start in June and end in March, but some follow August–May calendars (like CIS).

https://3d-universal.com/en/blogs/top-5-international-high-schools-in-cebu-for-global-education-2025-edition.html

Tuition Fees

Tuition varies greatly depending on the school and grade level:

Some schools may also charge:

• Enrollment/registration fees

• Uniform and textbook costs

• Technology or activity fees

Tip: Always ask for the full fee breakdown. Some schools allow installment payments.

How to Choose the Right School

When comparing schools, consider:

• Location: Traffic in Cebu can be heavy—living near the school is ideal.

• Class Size: Smaller class sizes mean more individual attention.

• Extracurriculars: Sports, music, robotics, language classes

• Accreditation: Check for international recognition (IB, Cambridge, etc.)

Admission Requirements

Generally, schools require:

• Passport or birth certificate

• Previous school records or transcripts

• Medical records and vaccination card

• Entrance interview or assessment test (for older children)

Some schools offer online applications or virtual campus tours—use this to compare options before arriving.

‍‍‍ Tips for Expat Parents

• Join parent support groups or expat forums to get firsthand advice.

• Ask schools if they offer ESL (English as a Second Language) support.

• Some families prefer homeschooling or online international schools while transitioning.

Cebu is a great place to raise children, with safe neighborhoods, English-based education, and access to nature. The key is planning early and visiting schools if possible before enrollment.

Step 9: Understand the Legal and Cultural Environment

Living in a new country means adapting not only to new surroundings, but also to different laws, customs, and everyday expectations. Understanding the legal and cultural context in Cebu will help you avoid misunderstandings and feel more at home.

⚖️ Legal Basics for Expats

• Carry ID at All Times
  Foreigners are required to carry their passport or ACR-I Card when in the Philippines. Police may ask to see your ID during checks.

• Visa Validity
  Overstaying your visa can result in penalties, deportation, or being blacklisted. Always keep track of your visa expiration dates and renew on time.

• Driving Legally
  You can use an International Driving Permit (IDP) for up to 90 days. After that, you must apply for a Philippine driver’s license.

• Rent and Landlord Agreements
  Always get a written rental contract, even for short-term leases. Ensure it includes the deposit, rent amount, duration, and utilities covered.

• Working or Doing Business
  You need the proper work visa or permits to be employed or run a business legally. Avoid “under the table” work—it may result in fines or deportation.

Cultural Norms and Etiquette

• English is Widely Spoken
  Most Cebuanos speak English fluently, especially in the cities. However, learning a few words in Cebuano helps build rapport.

• “Filipino Time”
  Events may not start exactly on time. Flexibility and patience are appreciated.

• Respect for Authority and Elders
  Hierarchy is important in Filipino culture. Address older people with “Sir” or “Ma’am” when in doubt.

• Religion is Central
  The Philippines is predominantly Catholic. Respect religious holidays, events, and customs—even if you’re not religious yourself.

• Indirect Communication
  Filipinos tend to avoid confrontation and often say “yes” out of politeness. Clarify gently when in doubt.

Example:
If someone says, “Maybe I’ll come,” it may mean “No”—but they don’t want to offend you.

Mentality for a Smooth Life in Cebu

• Be humble and friendly – Kindness is always reciprocated.

• Don’t compare constantly – The Philippines is not your home country, and that’s the beauty of it.

• Expect bureaucracy – Processes can be slow. Bring photocopies and patience.

• Build relationships – Things move faster when you know someone.

Tip: “Pasensya na” (“Please be patient”) is a phrase you’ll hear often—and might start saying yourself!

Cultural awareness and legal compliance go hand in hand when settling in Cebu. Embrace the differences and keep an open mind—you’ll adapt more easily and enjoy your life more fully.

Step 10: Enjoy and Explore!

Once you’ve settled into your new home in Cebu, it’s time to enjoy everything the island has to offer. From pristine beaches and mountain views to rich cultural traditions and local cuisine, Cebu is more than just a place to live—it’s a place to thrive.

️ Must-See Destinations Near Cebu

• Moalboal
  Known for its famous sardine run, snorkeling, and beach vibes.

  Travel time: ~3 hours by bus or van

The Ultimate Guide to Moalboal: Cebu’s Hidden Paradise for Divers and Beach Lovers

• Kawasan Falls
  A stunning turquoise waterfall popular for canyoneering adventures.

  Perfect for day trips or weekend getaways

Ultimate Guide to Kawasan Falls [2025 Edition]

• Malapascua Island
  Famous among divers for thresher sharks and white-sand beaches.

  Requires an overnight trip (bus + boat)

The Ultimate Guide to Malapascua: Cebu’s Best-Kept Secret for Thresher Shark Diving and Island Escapes

• Camotes Islands
  A peaceful island group great for family trips and nature lovers.

  Accessible by ferry from Cebu City or Danao

The Ultimate Guide to Camotes Islands:Cebu’s Untouched Tropical Escape for Nature Lovers and Adventurers

• Bohol
  See the Chocolate Hills, tarsiers, and enjoy river cruises.

  Just 2 hours away by fast ferry

Bohol Island Guide: How to Plan a Weekend Trip from Cebu

️ Explore Local Food and Cafés

• Lechon (roast pig) – Cebu’s signature dish

Ultimate Cebu Lechon 2025 Guide

• Larsian BBQ – Local-style street barbecue

Have BBQ at Larsian Night Market: The Ultimate 2025 Guide

• Sutukil – Seafood cooked three ways: sugba (grilled), tula (soup), kilaw (ceviche)

• Trendy cafés like Abaca Baking Company, The Pyramid, and Yolk attract both locals and foreigners

Tip: Try visiting carbon market or Sugbo Mercado for a mix of street food, local crafts, and live music.

Join Local Events and Festivals

• Sinulog Festival (January)
  The biggest cultural event in Cebu, featuring parades, dancing, and street parties.

Ultimate Guide to Sinulog Festival [2025 Edition]

• Local Town Fiestas
  Almost every town celebrates its own feast day with food, music, and community spirit.

• Outdoor events
  Marathons, fun runs, yoga sessions, and weekend hiking groups are popular.

Slow Down and Embrace Island Life

• Wake up early and walk along the sea

• Take a day off to island-hop or watch the sunset from Tops Lookout

• Spend Sunday afternoons at the beach or with friends at a rooftop bar

• Join a local diving school, language class, or volunteer group

❤️ Final Thoughts

Relocating to Cebu isn’t just about moving to a new place—it’s about rediscovering life at a different pace. With its warm climate, friendly people, and endless adventures, Cebu offers expats the perfect balance of comfort and exploration.

So take the leap, live like a local, and enjoy your new life in paradise.