Investing in Philippine Real Estate
Discover how the Philippines offers Americans exceptional value for real estate investment, retirement living, and vacation properties at a fraction of US costs.
Why the Philippines?
The Philippines represents an exceptional opportunity for American real estate investors and retirees, combining natural beauty with practical advantages:
- Over 7,000 islands with stunning beaches, tropical climate, and rich biodiversity
- English widely spoken; large welcoming expat communities
- Lower cost of living: rent prices 83% lower than the U.S., grocery prices 52% lower (SmartAsset, 2025)
- Growing economy with steady real estate price appreciation: 10.2% residential price index growth in early 2024 (Bangko Sentral ng Pilipinas)
Popular Areas for Investment & Living
Metro Manila
Business hubs, luxury condos, strong rental demand. Ideal for investors seeking urban growth and business opportunities.
Cebu City
Growing IT and tourism center with affordable condos and houses. Perfect balance of urban amenities and island lifestyle.
Dumaguete & Baguio
Known for retiree-friendly communities, lower cost of living, and peaceful lifestyle. Popular with American retirees.
Visa, Residency, and Citizenship Options
Visa
- Special Resident Retiree’s Visa: Available from age 35+, requires a time deposit, offers indefinite stay with multiple-entry privileges.
- Special Investor’s Resident Visa: For those investing at least $75,000 in Philippine businesses or BOI-approved projects; grants indefinite stay.
- Non-Quota Immigrant Visa: For Americans married to a Filipino citizen; allows permanent residency with fewer financial requirements.
Residency
- Special Resident Retiree’s: Grants indefinite residency to retirees meeting age + deposit/pension requirements.
- Special Investor’s Resident: Provides indefinite residency as long as a $75K+ investment is maintained.
Citizenship
- No direct citizenship by investment: Naturalization is the only path for new foreigners.
- Residency requirement: Typically 10 years continuous residence (can be reduced to 5 with conditions like marriage to a Filipino or government service).
- Dual citizenship: Only available for former Filipinos reclaiming citizenship (RA 9225), not for first-time foreigners.
Information deemed reliable, but not guaranteed. Not intended to solicit sellers or buyers under written contract with another REALTOR®.
Steve Luther
Chief Troublemaker
CHORD Real Estate, LLC
Independently owned and operated.
Independently owned and operated.
Ashley Luther
COO/Managing Broker
CHORD Real Estate, LLC
Independently owned and operated.
Independently owned and operated.
713 18th Ave S, Nashville, TN 37203