Living in Cagayan de Oro for Expats: Affordable Living & Adventure

Discover why living in Cagayan de Oro for expats offers a perfect mix of affordability, adventure, and community

Journey to Cagayan de Oro
Why Choose Cagayan de Oro?
Cost of Living in Cagayan de Oro
Pros of Living in Cagayan de Oro
Cons of Living in Cagayan de Oro
What to Look for in a Rental
Embracing the Lifestyle
Get Closer to the Fire

Trading the Hustle for Paradise: My Journey to Cagayan de Oro

Thinking about a change of scenery? Imagine trading the hustle of your home country for the vibrant, laid-back charm of Cagayan de Oro, Philippines. Known as the “City of Golden Friendship,” this underrated gem offers expats a blend of affordability, adventure, and a warm community vibe. Whether you’re an adventurer at heart or just seeking a slower pace, living in Cagayan de Oro for expats might be your dream come true.

For me, this journey to Cagayan de Oro has been a long time coming. After years of working hard, I realized it was time for something different. Over the past few years, I’ve built an online business from scratch, which now provides me with a sustainable income and is growing steadily each month. It’s been a grind, but the payoff has been worth it. I’ve also spent the last five years talking to an incredible Filipina woman who lives in Cagayan de Oro. She’s smart, kind, and has a sense of adventure that matches mine. We both love good food, peaceful living, and exploring the world around us. She’s also not too bad on the eyes, if I’m being honest!

Making this move is about more than just a change of scenery. It’s about starting a new chapter together, away from the daily grind. Of course, there’s one non-negotiable: my 18-year-old dog. She’s been with me through thick and thin, and there’s no way I’d leave her behind. With all this in mind, Cagayan de Oro feels like the perfect place to call home for a while.

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Why Choose Cagayan de Oro?

A City of Golden Friendship

Dubbed the “City of Golden Friendship,” Cagayan de Oro’s nickname isn’t just a marketing gimmick. Locals are genuinely welcoming, and the city is known for its friendly atmosphere—a feature that makes settling in easy for expats. English is widely spoken, eliminating language barriers.

Adventure Capital of Mindanao

CDO is a hub for thrill-seekers. It’s the adventure capital of Mindanao, offering whitewater rafting, zip-lining, and treks through lush forests. For nature enthusiasts, the nearby Bukidnon highlands and Camiguin Island are within easy reach.

Cost of Living

Living in Cagayan de Oro for expats is incredibly budget-friendly. While some expats may argue you can live comfortably for less than $2,000 USD a month, others might say that’s not enough. My understanding is that a budget of around $2,000 USD allows for a very comfortable lifestyle, with room for dining out, activities, and a few luxuries.

“The key to a happy expat life isn’t how much you spend, but how well you adapt to your surroundings.”

Cost of Living in Cagayan de Oro for Expats

Housing Options

One of the first things expats consider is housing. Here’s what to expect:

City Center Apartments: Modern, furnished 1-bedroom units with air conditioning cost between $170-$250 USD per month.
Suburban Homes: Larger spaces in quieter areas are available for $100-$170 USD per month.
Gated Communities: These offer added security and amenities like pools or gyms for around $200-$300 USD per month.

Utilities

Electricity costs can vary, especially if you rely on air conditioning. On average, utilities (electricity, water, and internet) will cost $70-$100 USD per month.

Food and Dining

Local Eateries: Enjoy authentic Filipino meals for $1.50-$2.50 USD per dish.
Mid-Range Restaurants: Dining out at a casual restaurant costs $5-$10 USD.
Groceries: Fresh produce and seafood from local markets keep monthly grocery bills at $100-$140 USD.

Transportation

Jeepneys and Tricycles: These cost as little as $0.20-$0.70 USD per ride.
Grab or Taxis: Convenient for short trips, with fares ranging from $1.50-$3.50 USD.
Motorbike Rentals: A motorbike rental will cost around $35-$55 USD per month.

Healthcare

While local healthcare is affordable, quality varies. A doctor’s consultation is about $15-$30 USD, and private health insurance can be secured for $35-$70 USD per month.

Entertainment and Activities

From cinemas ($3-$4 USD per ticket) to gym memberships ($15-$30 USD per month), enjoying life in CDO doesn’t break the bank. Outdoor adventures, like whitewater rafting, are about $35 USD.

Pros of Living in Cagayan de Oro for Expats

1. Affordable Lifestyle

Your money stretches further, allowing for a comfortable lifestyle without compromising on quality.

2. Warm Community

The friendliness of locals creates a welcoming atmosphere for expats.

3. Access to Adventure

Thrill-seekers will love the outdoor activities. From river rafting to mountain treks, there’s no shortage of excitement.

4. Strategic Location

Cagayan de Oro’s location makes it easy to explore the rest of the Philippines, with nearby islands and cities offering unique experiences.

5. English Proficiency

Most locals speak English, which eases communication and navigation.

Cons of Living in Cagayan de Oro for Expats

1. Climate

The tropical heat can be overwhelming, especially during summer months. Expect temperatures of 30-35°C year-round.

2. Traffic Congestion

Rush hour traffic is a common frustration in CDO. Planning travel outside peak times is advisable.

3. Healthcare Limitations

While local healthcare is affordable, expats may need to travel to Cebu or Manila for specialized treatments.

4. Cultural Adjustments

Adapting to Filipino customs and the slower pace of life can take time.

What to Look for in a Rental

Finding the right accommodation is key to enjoying your stay. Here’s what to prioritize:

Air Conditioning: Essential for beating the tropical heat.
Proximity to Amenities: Choose a location near malls, markets, and your partner’s home.
Security: Gated communities or condominiums provide added peace of mind.
Reliable Internet: A must-have for running your online business.

Embracing the Lifestyle

Living in Cagayan de Oro for expats isn’t just about affordability; it’s about embracing a new way of life. Here are tips to help you settle in:

Learn the Basics of Bisaya: While English is spoken, picking up the local dialect helps build stronger connections.
Engage with the Community: Join local expat groups or social circles to create a support network.
Explore the Outdoors: Take advantage of the city’s proximity to natural wonders.

“Life abroad is not about escaping your old one, but creating something new and meaningful.”

Related Resources to Explore

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