Authored by the expert who managed and guided the team behind the Philippines Property Pack
Everything you need to know before buying real estate is included in our The Philippines Property Pack
If you're thinking about buying property in Calabarzon, you probably want to know whether prices are fair, whether they could drop soon, or whether now is actually a smart time to make a move.
We've dug into the latest data from official sources like the Bangko Sentral ng Pilipinas and the Philippine Statistics Authority, as well as market reports from Colliers Philippines, to give you a clear picture of what's really happening in the Calabarzon real estate market as of the first half of 2026.
This article is updated regularly to reflect the most current housing prices and market conditions in Calabarzon.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Calabarzon.
So, is now a good time?
Rather yes: January 2026 looks like a reasonable time to buy property in Calabarzon because price growth has cooled off significantly and financing conditions have become more favorable.
The strongest signal is that the official Residential Property Price Index shows prices in areas outside Metro Manila actually fell quarter-on-quarter in late 2025, which gives buyers more room to negotiate.
Another important signal is that the BSP cut interest rates five times in 2025, bringing the policy rate down to 4.5%, which makes mortgages more affordable than they were a year ago.
Housing loan activity in Calabarzon jumped over 31% year-on-year in late 2025, showing that buyers are returning to the market, and the region continues to lead the country in new construction permits, which means you have plenty of options.
The best strategy right now is to focus on house-and-lot properties or townhouses in commuter corridors like Santa Rosa, Binan, Imus, or Cainta, where end-user demand stays strong and rental yields range from 4% to 6%.
This is not financial or investment advice, and we don't know your personal situation, so please do your own research and consult with professionals before making any decisions.
Is it smart to buy now in Calabarzon, or should I wait as of 2026?
Do real estate prices look too high in Calabarzon as of 2026?
As of early 2026, property prices in Calabarzon do not look stretched compared to what fundamentals suggest, as the official BSP price index shows house prices in areas outside Metro Manila grew just 1% year-on-year and actually fell 7.1% quarter-on-quarter in late 2025.
One clear on-the-ground signal supporting this view is that developers across Calabarzon have been offering promotions, payment term extensions, and discounts to move inventory, which typically happens when prices are not running ahead of demand.
Another telling indicator is that condo prices in the region grew only 3.2% year-on-year in Q3 2025, which is well below the double-digit gains seen during the pandemic boom years, confirming that the froth has largely come out of the Calabarzon market.
You can also read our latest update regarding the housing prices in Calabarzon.
Does a property price drop look likely in Calabarzon as of 2026?
As of early 2026, the likelihood of a meaningful property price decline in Calabarzon over the next 12 months is low, mainly because prices have already cooled significantly and demand indicators like housing loans are improving.
The estimated plausible range for Calabarzon property prices over the next year is somewhere between a 5% decline and a 7% increase, with most scenarios pointing toward flat to modest positive growth in the 2% to 4% range.
The single most important macro factor that could increase the odds of a price drop in Calabarzon would be a sudden spike in unemployment or a sharp pullback in overseas remittances, since both directly affect the ability of Filipino families to buy homes.
However, this scenario looks unlikely in the coming months, as the Philippine economy is projected to grow around 6% in 2026 according to the Asian Development Bank, and remittance inflows have remained resilient.
Finally, please note that we cover the price trends for next year in our pack about the property market in Calabarzon.
Could property prices jump again in Calabarzon as of 2026?
As of early 2026, the likelihood of a renewed price surge in Calabarzon within the next 12 months is medium, meaning it is possible but would likely be concentrated in specific corridors rather than happening across the entire region.
The estimated upside price change range we consider plausible for Calabarzon over the next 12 months is around 4% to 10%, with areas near newly completed infrastructure segments potentially seeing gains at the higher end of that range.
The single biggest demand-side trigger that could drive prices to jump again in Calabarzon would be a continued easing of mortgage rates combined with the full opening of the CALAX expressway, which would dramatically reduce commute times and make more areas attractive to Metro Manila workers.
Please also note that we regularly publish and update real estate price forecasts for Calabarzon here.
Are we in a buyer or a seller market in Calabarzon as of 2026?
As of early 2026, Calabarzon is leaning toward a buyer-friendly market, especially if you are flexible on exact location and property age, because price growth has stalled and developers are actively competing for buyers with promotions.
While the Philippines does not publish a formal months-of-inventory figure for Calabarzon, the combination of high construction activity and slower absorption suggests that buyers currently have more choices and more leverage than they did in 2022 or 2023.
Broker reports indicate that a meaningful share of listings in Calabarzon have seen price adjustments or extended payment terms, which is a classic sign that sellers need to work harder to close deals, giving buyers an advantage in negotiations.
We have made this infographic to give you a quick and clear snapshot of the property market in the Philippines. It highlights key facts like rental prices, yields, and property costs both in city centers and outside, so you can easily compare opportunities. We’ve done some research and also included useful insights about the country’s economy, like GDP, population, and interest rates, to help you understand the bigger picture.
Are homes overpriced, or fairly priced in Calabarzon as of 2026?
Are homes overpriced versus rents or versus incomes in Calabarzon as of 2026?
As of early 2026, homes in Calabarzon appear fairly priced when comparing purchase costs to rents and incomes, particularly for house-and-lot properties in commuter corridors where rental demand from industrial workers and professionals remains steady.
The estimated price-to-rent ratio in Calabarzon sits around 17 to 20 for most residential property types, which is reasonable for a growing region, though condos in oversupplied pockets may have ratios above 25, suggesting they are less attractive from a rental yield perspective.
The estimated price-to-income multiple in Calabarzon is around 10 to 12 times the average annual household income, which is stretched compared to global affordability benchmarks but typical for Metro Manila adjacent areas, and lower mortgage rates in 2026 are helping ease this pressure.
Finally please note that you will have all the indicators you need in our property pack covering the real estate market in Calabarzon.
Are home prices above the long-term average in Calabarzon as of 2026?
As of early 2026, current prices in Calabarzon are not dramatically above the long-term trend because the recent quarter-on-quarter declines and sharp slowdown in year-on-year growth have brought the market closer to its historical average pace.
The estimated recent 12-month price change in Calabarzon was around 1% to 3% for houses and slightly higher for condos, which is well below the pre-pandemic pace of 5% to 8% annual appreciation that the region experienced in the mid-2010s.
When adjusted for inflation, real prices in Calabarzon are likely still below their prior cycle peak reached in 2019 for some property segments, meaning that buyers today are not necessarily paying more in real terms than buyers did five years ago.
Get fresh and reliable information about the market in Calabarzon
Don't base significant investment decisions on outdated data. Get updated and accurate information with our guide.
What local changes could move prices in Calabarzon as of 2026?
Are big infrastructure projects coming to Calabarzon as of 2026?
As of early 2026, the biggest planned infrastructure project likely to impact Calabarzon property prices is the full completion of the Cavite-Laguna Expressway (CALAX), which is expected to reduce travel time from Kawit to the South Luzon Expressway from 2 hours to just 35 minutes.
The estimated timeline for CALAX completion shows that the Governor's Drive Interchange reached over 40% completion by early 2025, with the full 45-kilometer expressway expected to be operational by late 2025 or early 2026, connecting eight interchanges and serving up to 95,000 motorists daily.
For the latest updates on the local projects, you can read our property market analysis about Calabarzon here.
Are zoning or building rules changing in Calabarzon as of 2026?
There is no single sweeping zoning or building rule change being discussed across Calabarzon as of the first half of 2026, but individual LGUs continue to update their Comprehensive Land Use Plans, which can affect density allowances and development zones at the local level.
As of early 2026, the net effect of zoning and building rule changes on Calabarzon prices is likely to be modest, though areas near expressway interchanges may see upzoning that allows higher density residential projects, which could increase land values in those corridors.
If meaningful zoning reforms were implemented, the areas most affected in Calabarzon would likely be the growth corridors in Cavite (Imus, Bacoor, General Trias) and Laguna (Santa Rosa, Binan, Calamba) where demand for mixed-use and higher-density housing is strongest.
Are foreign-buyer or mortgage rules changing in Calabarzon as of 2026?
As of early 2026, there are no major changes to foreign-buyer rules in Calabarzon, and the impact on prices remains limited because land ownership by foreigners is still constitutionally restricted, meaning house-and-lot demand is driven almost entirely by Filipino buyers.
The most significant development for buyers is on the mortgage side, where the BSP cut the policy rate five times in 2025 to reach 4.5%, and Pag-IBIG Fund has kept its housing loan rates at 5.75% to 6.25%, making financing more accessible than it was in 2023 or 2024.
No major mortgage rule changes like stricter loan-to-value limits or new stress tests are being actively discussed for Calabarzon, which means qualified buyers should continue to find reasonable financing options from both government and commercial lenders.
You can also read our latest update about mortgage and interest rates in The Philippines.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in the Philippines versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
Will it be easy to find tenants in Calabarzon as of 2026?
Is the renter pool growing faster than new supply in Calabarzon as of 2026?
As of early 2026, the balance between renter-demand growth and new rental supply growth in Calabarzon is mixed, with strong demand in employment corridors near industrial parks and universities, but oversupply risks in vacation rental segments like Tagaytay and parts of Batangas.
The estimated recent net household formation signal that best represents renter demand in Calabarzon is the region's status as a top destination for Metro Manila relocators seeking more affordable housing, which continues to drive steady demand for long-term rentals near SLEX and major job centers.
The estimated pace of new completions in Calabarzon is high, as the region captured about 23% of all building permit approvals nationwide in recent PSA data, meaning landlords need to be strategic about location to avoid competing with too many similar units.
Are days-on-market for rentals falling in Calabarzon as of 2026?
As of early 2026, days-on-market for rentals in Calabarzon is stable to slightly improving in prime commuter nodes like Santa Rosa, Binan, Imus, and Cainta, where well-priced units typically find tenants within 2 to 4 weeks.
The estimated difference in days-on-market between the best areas and weaker areas in Calabarzon can be significant, with properties near industrial parks and universities leasing in under a month while units in oversupplied vacation markets may sit for 2 to 3 months or longer.
One common reason days-on-market falls in Calabarzon is when a new expressway segment opens or a major employer expands nearby, creating sudden demand spikes that absorb available rental inventory quickly.
Are vacancies dropping in the best areas of Calabarzon as of 2026?
As of early 2026, vacancies in the best-performing rental areas of Calabarzon, such as Santa Rosa, Binan, Calamba in Laguna, Imus, Bacoor, Dasmarinas in Cavite, and Cainta, Taytay in Rizal, appear stable to slightly declining as demand from industrial workers and commuters stays firm.
The estimated current vacancy rate in these best areas ranges from 3% to 8%, which is noticeably tighter than the overall Calabarzon market where some segments, especially vacation rentals, can see vacancies of 12% or higher.
One practical sign for landlords that the best areas are tightening first in Calabarzon is when prospective tenants start accepting units without negotiating rent down or requesting improvements, which indicates a shift in leverage toward property owners.
By the way, we've written a blog article detailing what are the current rent levels in Calabarzon.
Buying real estate in Calabarzon can be risky
An increasing number of foreign investors are showing interest. However, 90% of them will make mistakes. Avoid the pitfalls with our comprehensive guide.
Am I buying into a tightening market in Calabarzon as of 2026?
Is for-sale inventory shrinking in Calabarzon as of 2026?
As of early 2026, for-sale inventory in Calabarzon does not appear to be shrinking, as the region remains one of the country's most active construction zones with a steady pipeline of new house-and-lot, townhouse, and condo projects coming to market.
We cannot provide a precise months-of-supply figure for Calabarzon because the Philippines does not publish this metric at the regional level, but the combination of high construction activity and developer promotions suggests supply is ample rather than tight.
Are homes selling faster in Calabarzon as of 2026?
As of early 2026, the estimated median time-to-sell for homes in Calabarzon is mixed, with properly priced properties in top commuter nodes selling within 3 to 6 months while overpriced listings in less desirable locations can sit for 6 to 12 months or longer.
The estimated year-over-year change in median days-on-market for Calabarzon appears roughly stable to slightly longer compared to the hot market conditions of 2022, reflecting a normalization where buyers are taking more time and negotiating more actively.
Are new listings slowing down in Calabarzon as of 2026?
As of early 2026, new for-sale listings in Calabarzon do not appear to be slowing down significantly, as major developers continue launching projects and the region's high share of building permits suggests a robust pipeline of upcoming inventory.
The estimated seasonal pattern for new listings in Calabarzon shows a typical uptick after the Christmas holidays and another burst around mid-year, and current levels seem in line with these historical patterns rather than unusually low.
Is new construction failing to keep up in Calabarzon as of 2026?
As of early 2026, new construction in Calabarzon is not failing to keep up with demand, and if anything, the bigger concern for buyers and investors is that some submarkets may have more supply than they can absorb in the short term.
The estimated recent trend in permits and completions in Calabarzon shows robust activity, with the region consistently capturing around 20% to 25% of nationwide building permits in recent PSA snapshots, far exceeding most other regions.
We made this infographic to show you how property prices in the Philippines compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
Will it be easy to sell later in Calabarzon as of 2026?
Is resale liquidity strong enough in Calabarzon as of 2026?
As of early 2026, resale liquidity in Calabarzon is reasonably strong in prime commuter corridors where end-user demand runs deep, meaning well-priced properties in good locations can typically find buyers within 3 to 6 months.
The estimated median days-on-market for resale homes in Calabarzon compares favorably to a healthy liquidity benchmark of under 6 months for well-located properties, though outliers in weaker locations can take 9 to 12 months or more.
One common property characteristic that most improves resale liquidity in Calabarzon is proximity to expressway interchanges or major employment zones, as these locations attract both end-users and investors who value commute convenience.
Is selling time getting longer in Calabarzon as of 2026?
As of early 2026, selling time in Calabarzon has lengthened compared to the peak conditions of 2022 and early 2023, reflecting a normalization of the market where buyers are less rushed and more willing to negotiate.
The estimated current median days-on-market in Calabarzon ranges from around 90 days for competitively priced properties in prime areas to 180 days or more for overpriced listings in secondary locations.
One clear reason selling time can lengthen in Calabarzon is affordability pressure, as buyers face stretched price-to-income ratios and need more time to secure financing or negotiate better terms before committing.
Is it realistic to exit with profit in Calabarzon as of 2026?
As of early 2026, the likelihood of selling with a profit in Calabarzon is medium to high if you buy in a well-located corridor, negotiate a fair purchase price, and hold the property for at least 5 years to allow for appreciation and transaction cost recovery.
The estimated minimum holding period in Calabarzon that most often makes exiting with profit realistic is around 5 to 7 years, which gives enough time for property values to appreciate by 20% to 40% and cover round-trip transaction costs.
The estimated total round-trip cost drag in Calabarzon, including documentary stamp tax, transfer tax, capital gains tax, and agent commissions, is approximately 10% to 15% of the property value, or roughly PHP 450,000 to PHP 675,000 on a PHP 4.5 million property (around USD 8,000 to USD 12,000 or EUR 7,500 to EUR 11,000).
One clear factor that most increases profit odds in Calabarzon is buying in a corridor that will benefit from upcoming infrastructure improvements, such as areas near CALAX interchanges or the SLEX-connected Laguna growth belt, where time-distance advantages create durable demand.
Get the full checklist for your due diligence in Calabarzon
Don't repeat the same mistakes others have made before you. Make sure everything is in order before signing your sales contract.
What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Calabarzon, we always rely on the strongest methodology we can and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why it's authoritative | How we used it |
|---|---|---|
| Bangko Sentral ng Pilipinas (RPPI) | It's the Philippine central bank's official price index based on bank appraisal data. | We used it to anchor the latest verified direction of home prices in Calabarzon and areas outside Metro Manila. We also used its loan activity metrics to gauge demand strength. |
| BSP Weekly Lending Rates | It's an official BSP dataset showing bank lending rate ranges by loan type. | We used it to estimate the going range of bank mortgage rates that Calabarzon buyers face. We also used the spread to explain why rates vary by borrower profile. |
| Philippine Statistics Authority | PSA is the Philippines' official statistics agency for construction and permit data. | We used it to ground our supply pipeline discussion and show Calabarzon's high share of nationwide construction activity. |
| Colliers Philippines | Colliers is a global real estate consultancy with established research practice. | We used it to describe buyer and seller dynamics, developer promotions, and take-up patterns outside Metro Manila. |
| NEDA Calabarzon RDP 2023-2028 | It's the region's official multi-year development blueprint with named priorities. | We used it to identify what local changes can move prices, including connectivity projects and growth centers. |
| DPWH | It's the government agency responsible for public works and infrastructure projects. | We used it to verify CALAX completion timelines and other road projects that affect Calabarzon property values. |
| BusinessWorld | It's a major national business newspaper that cites official PSA and BSP data. | We used it to cross-reference building permit trends and quantify Calabarzon's share of new construction. |
| Reuters | Reuters is a global wire service with strong fact-checking and clear attribution. | We used it to cross-check the macro story behind BSP rate cuts and validate economic growth projections. |
| Pag-IBIG Fund | It's the government housing fund that offers affordable mortgages to Filipino workers. | We used it to verify that affordable housing loan rates remained stable through 2025, supporting buyer affordability. |
| 1987 Philippine Constitution | It's the foundational legal text governing land ownership restrictions. | We used it to explain why house-and-lot demand in Calabarzon is mostly domestic due to foreign ownership limits. |
| Condominium Act (RA 4726) | It's the law governing foreign ownership of condo units in the Philippines. | We used it to clarify how foreign buyer rules differ between condos and land, affecting demand patterns. |
| Bureau of Internal Revenue | BIR is the official tax authority with reference floor values for taxation. | We used it as a reality check for buyers to compare asking prices against government reference values. |
| Global Property Guide | It's a respected international source for rental yield comparisons across countries. | We used it to benchmark Calabarzon rental yields of 4% to 6% against regional and global averages. |
| Trading Economics | It's a reliable aggregator of central bank policy rate data across countries. | We used it to track the BSP easing cycle and verify that rates fell to 4.5% by December 2025. |
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of the Philippines. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.
Related blog posts
- What are the best areas to buy a property in property in Calabarzon?