Top Reasons Expats Are Moving to Cagayan de Oro, Philippines

The Philippines has long been a favorite destination for expats seeking sun, savings, and a slower pace of life. But in recent years, a lesser-known gem has been steadily climbing the ranks of expat hotspots: Cagayan de Oro. Often called CDO or the City of Golden Friendship, this urban center in Northern Mindanao is attracting digital nomads, retirees, entrepreneurs, and remote workers alike.

So what exactly is drawing more foreigners to this city? From affordability and nature to community and convenience, here are the top reasons expats are moving to Cagayan de Oroand why you might consider joining them.

1. Affordable Cost of Living

One of the biggest motivators for expats moving to Cagayan de Oro is the remarkably low cost of living.

Compared to Manila, Cebu, or even Davao, CDO offers a significantly lower price point for housing, food, transportation, and healthcarewithout sacrificing comfort.

Average Monthly Expenses:

• One-bedroom apartment (city center): PHP 12,00018,000

• Utilities (electricity, water, internet): PHP 4,0006,000

• Groceries for one person: PHP 6,0008,000

• Dining out (casual meal): PHP 150300

• Transportation (jeepneys, taxis, Grab): PHP 1,0002,000

For around $800 to $1,200 USD per month, many expats live comfortablysome even luxuriouslydepending on their lifestyle.

2. Genuine Filipino Hospitality

CDO didnt earn its nickname City of Golden Friendship by chance. The people here are known for their warmth, friendliness, and willingness to help.

For expats, this translates into:

• Feeling welcomed in neighborhoods and local markets

• Making friends easily with both locals and fellow expats

• Having smoother interactions when navigating bureaucracy or daily errands

English is widely spoken, especially in urban areas, which makes communication and integration easier compared to other Asian countries.

3. A Great Balance of Nature and City Life

Cagayan de Oro offers the best of both worlds: a growing urban center and easy access to nature.

Outdoor adventures within reach:

• Whitewater rafting on the Cagayan de Oro River (famous across Southeast Asia)

• Hiking in Bukidnon, a few hours away

• Waterfalls, hot springs, and beaches in nearby provinces

• Camiguin Island, a volcanic paradise just a ferry ride away

Yet within the city itself, youll find malls, international restaurants, gyms, coworking spaces, and hospitalsmaking it possible to enjoy convenience without sacrificing natural beauty.

4. Strong Expat and Remote Work Community

CDO may not be as well-known as Cebu or Boracay, but it has a steadily growing expat communityespecially among:

• Retirees looking for peace and affordability

• Remote workers seeking reliable internet and a calmer environment

• Entrepreneurs and NGO workers doing projects across Mindanao

There are active Facebook groups and informal meetups, making it easy to find community and support when you move.

And thanks to stable fiber internet access, more digital nomads and online professionals are choosing CDO as a long-term base.

5. Safe and Peaceful Living Environment

Mindanao sometimes gets a bad reputation due to political unrest in some areas. However, Cagayan de Oro is widely considered one of the safest cities in the region.

• Low rates of violent crime

• Strong police visibility in key areas

• Peaceful, family-friendly neighborhoods

• Welcoming atmosphere even for solo travelers and women

As always, its wise to stay updated on local news and travel advisories, but CDO consistently stands out as a safe haven in the southern Philippines.

6. Modern Amenities and Infrastructure

Cagayan de Oro is a fast-developing city with reliable infrastructure and all the modern amenities an expat could need.

Highlights:

• Shopping malls: Centrio Mall (Ayala), SM Downtown, Limketkai Center

• Reliable internet: Fiber-optic connections are widely available

• Healthcare facilities: Capitol University Medical Center, Polymedic, and Maria Reyna Hospital

• International schools and universities

• Coworking spaces and cafs with stable Wi-Fi

For those used to big-city life, the conveniences are therebut without the smog, traffic, or overwhelming crowds of Metro Manila.

7. Strategic Location for Travel and Exploration

CDO is a great hub for regional exploration. It's well-connected to nearby provinces and tourist spots:

• Camiguin Island for nature lovers

• Bukidnon for mountains, farms, and cool weather

• Iligan City for waterfalls and hot springs

• Davao or Cebu via direct flights or ferries

CDOs airportLaguindingan Airportoffers domestic flights and plans for future international expansion.

8. Excellent Food and Diverse Cuisine

Whether you're craving Filipino staples or international flavors, CDO delivers.

• Local markets offer fresh tropical fruits, seafood, and vegetables at very low prices

• Carenderias (local eateries) serve authentic meals for under PHP 100

• International restaurants cater to Italian, Korean, Japanese, Chinese, and American tastes

• Cafs and bakeries are growing in number, with many perfect for working remotely or relaxing with friends

From gourmet to street food, the culinary scene is flavorful and affordable.

9. Year-Round Tropical Climate

CDO enjoys a relatively typhoon-free climate compared to other areas in the Philippines. While it's warm and humid year-round, many expats appreciate the consistent weather and abundance of sunshine.

Bonus: The nearby highlands of Bukidnon offer a cool escape if you ever want a break from the heat.

10. A City with Character, Not Congestion

CDO offers a refreshing alternative to overdeveloped or overly touristy cities. Its urban, but not overwhelming. There are pockets of traffic, yesbut nothing like Metro Manilas notorious gridlock.

The city maintains a laid-back, friendly vibe while offering the energy of a developing urban center. And because it's still under the radar, there's room to explore, invest, and enjoy without inflated prices or overcrowding.

Final Thoughts

The reasons expats are moving to Cagayan de Oro go far beyond affordability. Its a lifestyle choice. Its a decision to live somewhere that values community, where nature is close, costs are manageable, and growth is happening in real time.

Whether youre planning to retire, start a business, work remotely, or simply explore a different way of life, Cagayan de Oro offers real potential without the noise and stress of bigger cities.

In 2025 and beyond, this warm and welcoming city is quickly becoming one of the best-kept secrets in Southeast Asiaand expats are noticing.