First-time buyers
First-Time Home Buyers: Condos and Houses under PHP 4M
2581 condos, houses and townhouses from PHP 1M to PHP 4M with photos (median PHP 2.9 M), most in Quezon City, Pasig, Cebu City, Lapu-Lapu.
2581listings
PHP 1 M – PHP 4 Mprice range
PHP 2.9 Mmedian price
PHP 71,429/sqmmedian price per sqm
Good to know before your first purchase
- Budget beyond the price. Buyers usually also pay transfer tax, registration and documentary stamp costs; ask us for a cost breakdown for any listing.
- Financing. Bank and Pag-IBIG Fund housing loans are common options for first-time buyers; terms and approval are set by the lender.
- Check the title. Phil Realty reviews the title and tax declarations with the owner before any payment.
Affordable homes with photos
PHP 2.76 M
2 Bedroom Townhouse for Sale in Longos, Malolos, Bulacan
Malolos, Bulacan · Townhouse · 2 BR · 42 sqm
11% below Phil Realty Estimated Value
PHP 2.76 M
Condo for Sale in Basak, Lapu-Lapu, Cebu
Lapu-Lapu, Cebu · Condo · 24 sqm
PHP 2.76 M
3 Bedroom House for Sale in Alingaro, General Trias, Cavite
General Trias, Cavite · House · 3 BR · 44 sqm
PHP 2.77 M
Condo for Sale in Guadalupe, Cebu City, Cebu
Cebu City, Cebu · Condo · 24 sqm
PHP 2.77 M
2 Bedroom House for Sale in Pinagkawitan, Lipa, Batangas
Lipa, Batangas · House · 2 BR · 69 sqm
44% below Phil Realty Estimated Value
PHP 2.77 M
3 Bedroom House for Sale in Santo Angel Central, Santa Cruz, Laguna
Santa Cruz, Laguna · House · 3 BR · 147 sqm
33% below Phil Realty Estimated Value
PHP 2.78 M
2 Bedroom Townhouse for Sale in Camella Nueva Ecija, Valle Cruz, Cabanatuan, Nueva Ecija
Cabanatuan, Nueva Ecija · Townhouse · 2 BR
PHP 2.78 M
3 Bedroom Townhouse for Sale in Gelerang Kawayan, San Pascual, Batangas
San Pascual, Batangas · Townhouse · 3 BR
PHP 2.78 M
2 Bedroom Townhouse for Sale in Isabang, Tayabas, Quezon
Tayabas, Quezon · Townhouse · 2 BR · 50 sqm
41% below Phil Realty Estimated Value
PHP 2.78 M
1 Bedroom Condo for Sale in The Hermosa by COHO, Pulang Lupa Uno, Las Piñas, Metro Manila
Las Piñas, Metro Manila · Condo · 1 BR
PHP 2.78 M
House for Sale in Bonuan Gueset, Dagupan, Pangasinan
Dagupan, Pangasinan · House
44% below Phil Realty Estimated Value
PHP 2.78 M
3 Bedroom Townhouse for Sale in Maugat East, Padre Garcia, Batangas
Padre Garcia, Batangas · Townhouse · 3 BR · 52 sqm
PHP 2.79 M
Condo for Sale in Libaong, Panglao, Bohol
Panglao, Bohol · Condo · 24 sqm
PHP 2.79 M
Condo for Sale in Mactan Plains, Agus, Lapu-Lapu, Cebu
Lapu-Lapu, Cebu · Condo · 25 sqm
12% below Phil Realty Estimated Value
PHP 2.79 M
Condo for Sale in Labangon, Cebu City, Cebu
Cebu City, Cebu · Condo · 20 sqm
20% below Phil Realty Estimated Value
PHP 2.79 M
2 Bedroom Townhouse for Sale in San Isidro, Dauis, Bohol
Dauis, Bohol · Townhouse · 2 BR · 50 sqm
15% below Phil Realty Estimated Value
PHP 2.79 M
2 Bedroom Townhouse for Sale in Camella Prima Butuan, Baan Km 3, Butuan, Agusan del Norte
Butuan, Agusan del Norte · Townhouse · 2 BR
PHP 2.79 M
1 Bedroom Condo for Sale in Burol, Dasmariñas, Cavite
Dasmariñas, Cavite · Condo · 1 BR · 18 sqm
13% below Phil Realty Estimated Value
PHP 2.8 M
2 Bedroom Townhouse for Sale in San Agustin, Trece Martires, Cavite
Trece Martires, Cavite · Townhouse · 2 BR · 45 sqm
PHP 2.8 M
1 Bedroom Condo for Sale in Mango Tree Residences, Pasadeña, San Juan, Metro Manila near LRT-2 Gilmore
San Juan, Metro Manila · Condo · 1 BR · 30 sqm
PHP 2.8 M
Condo for Sale in Makati Executive Tower III, Pio Del Pilar, Makati City
Makati, Metro Manila · Condo · 22 sqm
PHP 2.8 M
2 Bedroom Condo for Sale in Santa Cruz, Antipolo, Rizal
Antipolo, Rizal · Condo · 2 BR · 50 sqm
46% below Phil Realty Estimated Value
PHP 2.8 M
1 Bedroom Condo for Sale in South Triangle, Quezon City, Metro Manila near MRT-3 Kamuning
Quezon City, Metro Manila · Condo · 1 BR · 21 sqm
PHP 2.8 M
1 Bedroom Condo for Sale in Pioneer Heights 1, Highway Hills, Mandaluyong, Metro Manila near MRT-3 Boni
Mandaluyong, Metro Manila · Condo · 1 BR · 19 sqm
PHP 2.8 M
Condo for Sale in Malate, Manila, Metro Manila near LRT-1 Vito Cruz
Manila, Metro Manila · Condo
PHP 2.8 M
Condo for Sale in Studio City, Alabang, Muntinlupa, Metro Manila
Muntinlupa, Metro Manila · Condo · Studio
PHP 2.8 M
2 Bedroom Townhouse for Sale in Lawa, Calamba, Laguna
Calamba, Laguna · Townhouse · 2 BR · 72 sqm
44% below Phil Realty Estimated Value
PHP 2.8 M
2 Bedroom House for Sale in San Jose Patag, Santa Maria, Bulacan
Santa Maria, Bulacan · House · 2 BR
PHP 2.8 M
1 Bedroom Condo for Sale in Carreta, Cebu City, Cebu
Cebu City, Cebu · Condo · 1 BR · 35 sqm
32% below Phil Realty Estimated Value
PHP 2.8 M
2 Bedroom House for Sale in Basak, Lapu-Lapu, Cebu
Lapu-Lapu, Cebu · House · 2 BR · 45 sqm
PHP 2.8 M
2 Bedroom Condo for Sale in Seawind, Sasa, Davao City, Davao del Sur
Davao City, Davao del Sur · Condo · 2 BR · 37 sqm
38% below Phil Realty Estimated Value
PHP 2.8 M
1 Bedroom Condo for Sale in Tagaytay Prime Residences, San Jose, Tagaytay, Cavite
Tagaytay, Cavite · Condo · 1 BR · 24 sqm
28% below Phil Realty Estimated Value
PHP 2.8 M
Condo for Sale in San Jose, Tagaytay, Cavite
Tagaytay, Cavite · Condo · 23 sqm
38% below Phil Realty Estimated Value
PHP 2.8 M
3 Bedroom Villa for Sale in Tabalong, Dauis, Bohol
Dauis, Bohol · House · 3 BR · 74 sqm
44% below Phil Realty Estimated Value
PHP 2.8 M
Condo for Sale in Barangay 26, Cagayan de Oro, Misamis Oriental
Cagayan de Oro, Misamis Oriental · Condo
PHP 2.8 M
2 Bedroom House for Sale in PHirst Park Homes Bacolod, Vista Alegre, Bacolod, Negros Occidental
Bacolod, Negros Occidental · House · 2 BR
Frequently asked questions
How many homes under PHP 4M are listed in the Philippines?
Phil Realty currently lists 2581 homes under PHP 4M in the Philippines (updated October 31, 2026).
What is the price range of homes under PHP 4M in the Philippines?
Asking prices range from PHP 1,000,000 to PHP 4,000,000, with a median of PHP 2,900,000.
Which cities have the most homes under PHP 4M?
Quezon City (103), Pasig (102), Cebu City (93), Lapu-Lapu (92), Mandaluyong (92), Manila (74).
Can I use a Pag-IBIG housing loan?
Pag-IBIG Fund offers housing loans to qualified members. Eligibility, rates and loan amounts are set by Pag-IBIG; confirm with them directly.
How it works
- Send the form — it takes under a minute.
- Phil Realty confirms availability, price and full details by email.
- We schedule a private viewing or a live video walkthrough.
Listings and prices are asking prices and can change; availability is confirmed before any viewing.