Last update: Oct 2026

Cost of Living Comparison Between Ashland, OR and Panama City

For one person, living is cheaper in Panama City: $1,857 a month against $2,565 in Ashland, OR, rent and utilities included – about $8,500 less a year. Rent and utilities account for most of the difference.

123

Cost of Living Index in Ashland, OR
Learn more

Ashland, OR Living Index
90

Cost of Living Index in Panama City
Learn more

Panama City Living Index

Jump to prices

Ashland, OR

🇺🇸 United States

$2,565

/mo nomad

Panama City

🇵🇦 Panama

$1,857

/mo nomad

Monthly Cost of Living

How much you'll spend in Ashland, OR and in Panama City

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ashland, OR and in Panama City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,565 in Ashland, OR versus $1,857 in Panama City.

Ashland, OR $2,565
Panama City $1,857

Estimated couple costs with rent: $3,724 in Ashland, OR versus $2,815 in Panama City.

Ashland, OR $3,724
Panama City $2,815

Monthly costs for a family of three with rent: $4,883 in Ashland, OR versus $3,773 in Panama City.

Ashland, OR $4,883
Panama City $3,773

Living in Ashland, OR is roughly 38% more expensive than in Panama City, and outside of rent the biggest gap is in utilities.

Both cities are pricier than the global median: Ashland, OR 89% above, Panama City 37% above.

Meal at Budget Restaurant

$15.25 $15.25

$11.68 PAB 11.68

30.57%

Three-Course Dinner for Two, Mid-Range

$68.9 $68.9

$47.76 PAB 47.76

44.26%

Fast Food Meal (McDonalds, etc)

$9.87 $9.87

$8.12 PAB 8.12

21.55%

Cappuccino

$5.15 $5.15

$4.23 PAB 4.23

21.75%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.04 $2.04

$1.92 PAB 1.92

6.25%

Water (0.33 liter bottle)

$1.79 $1.79

$1.58 PAB 1.58

13.29%

Local Beer (0.5 liter draught)

$5.86 $5.86

$3.31 PAB 3.31

77.04%

Imported Beer (0.33 liter bottle)

$7.84 $7.84

$3.98 PAB 3.98

96.98%

Milk (1 liter)

$0.84 $0.84

$1.92 PAB 1.92

-56.25%

White Bread (500g)

$3.29 $3.29

$2.63 PAB 2.63

25.10%

Rice (white) (1kg)

$3.91 $3.91

$3.39 PAB 3.39

15.34%

Eggs

$1.76 $1.76

$2.67 PAB 2.67

-34.08%

Local Cheese (1kg)

$12.11 $12.11

$12.21 PAB 12.21

-0.82%

Chicken Fillets (1kg)

$10.95 $10.95

$6.91 PAB 6.91

58.47%

Beef Round Steak (1kg)

$14.07 $14.07

$10.58 PAB 10.58

32.99%

Apples (1kg)

$6.07 $6.07

$4.16 PAB 4.16

45.91%

Banana (1kg)

$1.71 $1.71

$1.97 PAB 1.97

-13.20%

Oranges (1kg)

$3.28 $3.28

$4.06 PAB 4.06

-19.21%

Tomato (1kg)

$5.14 $5.14

$4.18 PAB 4.18

22.97%

Potato (1kg)

$1.89 $1.89

$3.47 PAB 3.47

-45.53%

Onion (1kg)

$1.63 $1.63

$4.26 PAB 4.26

-61.74%

Lettuce (1 head)

$1.95 $1.95

$2.44 PAB 2.44

-20.08%

Water (1.5 liter bottle)

$3.28 $3.28

$1.69 PAB 1.69

94.08%

Cigarettes 20 Pack (Marlboro, Camel)

$9.90 $9.90

$5.83 PAB 5.83

69.81%

Wine (Bottle)

$8.95 $8.95

$11.43 PAB 11.43

-21.70%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$1.38 PAB 1.38

23.91%

Imported Beer (0.33 liter bottle)

$2.34 $2.34

$2.76 PAB 2.76

-15.22%

One-way Ticket (Public Transport)

$1.98 $1.98

$0.33 PAB 0.33

500.00%

Public Transport Monthly Pass (Regular Price)

$20.63 PAB 20.63

Taxi Start (Normal Tariff)

$4.09 $4.09

$2.55 PAB 2.55

60.39%

Taxi (Normal Tariff) (1km)

$2.55 $2.55

$1.78 PAB 1.78

43.26%

Taxi 1hour Waiting (Normal Tariff)

$44.71 $44.71

$22.17 PAB 22.17

101.67%

Gasoline (1 liter)

$1.29 $1.29

$1.24 PAB 1.24

4.03%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$28.5K $28.5K

$24.4K PAB 24.4K

16.81%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$24.3K $24.3K

$21.3K PAB 21.3K

14.21%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$196 $196

$131 PAB 131

49.39%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$77.6 $77.6

$27.83 PAB 27.83

178.94%

Internet (50+ Mbps, Unlimited Data)

$84.7 $84.7

$49.32 PAB 49.32

71.74%

Gym Membership (Monthly)

$41.42 $41.42

$45.69 PAB 45.69

-9.35%

Tennis Court (1 Hour on Weekend)

$34.10 PAB 34.10

Cinema Ticket

$13.96 $13.96

$8.47 PAB 8.47

64.82%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,106 $1,106

$553 PAB 553

99.84%

International Primary School, 1 Child (Yearly)

$20.4K $20.4K

$9,719 PAB 9,719

109.58%

Jeans (Levis 501 Or Similar)

$62.0 $62.0

$66.4 PAB 66.4

-6.67%

Summer Dress (H&M, Zara, etc)

$72.2 $72.2

$47.39 PAB 47.39

52.40%

Sport Shoes (Adidas, Nike)

$89.3 $89.3

$95.7 PAB 95.7

-6.61%

Men's Leather Business Shoes

$122 $122

$113 PAB 113

7.87%

1-bedroom Apartment, City Center (Monthly)

$1,568 $1,568

$1,322 PAB 1,322

18.61%

1-bedroom Apartment, Outside City Center (Monthly)

$1,319 $1,319

$874 PAB 874

50.90%

3-bedroom Apartment, City Center (Monthly)

$2,476 $2,476

$2,153 PAB 2,153

15.02%

3-bedroom Apartment, Outside City Center (Monthly)

$2,188 $2,188

$1,580 PAB 1,580

38.47%

Buy Apartment in City Center (m2)

$2,710 $2,710

$3,097 PAB 3,097

-12.52%

Buy Apartment Outside City Center (m2)

$2,390 $2,390

$1,698 PAB 1,698

40.72%

Average Monthly Net Salary (After Tax)

$914 PAB 914

20-Year Fixed Mortgage Interest Rate (Annual %)

6.78

6.39

6.10%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Ashland, OR: October 17, 2026

Last update for Panama City: October 20, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Ashland, OR

$1.3K 51.4%

Panama City

$874 47.1% 33.7% $445

Groceries & Markets

Ashland, OR

$364 14.2%

Panama City

$327 17.6% 10.2% $37

Monthly Utilities & Internet

Ashland, OR

$358 14%

Panama City

$208 11.2% 41.9% $150

Eating Out

Ashland, OR

$274 10.7%

Panama City

$207 11.2% 24.3% $67

Clothing & Footwear

Ashland, OR

$155 6.1%

Panama City

$145 7.8% 6.6% $10

Sport & Entertainment

Ashland, OR

$69 2.7%

Panama City

$63 3.4% 9.7% $6.7

Getting Around

Ashland, OR

$25 * 1%

Panama City

$33 1.8% 35% $8.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,568 in Ashland, OR and $1,322 in Panama City. Housing cost is often the main lever when comparing two cities.

Dining out: $69.0 in Ashland, OR vs $48.00 in Panama City for a mid-range dinner for two. Groceries echo the gap at $364 vs $327 per month, with Panama City cheaper across the board.

Good to know

🇺🇸 Ashland, OR

🇵🇦 Panama City

🕒 Local time

16:32 4:32 PM

18:32 6:32 PM

2 h ahead of Ashland, OR

🌤 Weather

👥 Population

21,684

1,086,990 Capital

💱 Currency

United States Dollar USD $

Panamanian Balboa PAB B/.

📈 Exchange rate

1 USD = 0.89 EUR

1 PAB = 1 USD

1 PAB = 0.89 EUR

Exchange rates and currency converter

PAB, EUR to USD – United States Dollar Converter

🇵🇦 Panamanian Balboa (B/.)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Panamanian Balboa exchange rates as of October 20, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.89 EUR).

PAB to USD in detail →

On the map

Lowest

Highest

Between locations

Ashland, OR Panama City 5,600 km ≈ 7 h nonstop flight

From you

Ashland, OR
Panama City

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Ashland, OR vs Panama City: Cost of Living - Frequently Asked Questions

Panama City is cheaper overall, especially in groceries, eating out, and utilities. The 38% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,847 in Ashland, OR and $2,786 in Panama City to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,568 in Ashland, OR versus $1,322 in Panama City. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,106 in Ashland, OR versus $553 in Panama City. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Panama City – a meal for two runs $48.00 versus $69.0 in Ashland, OR. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,857 in Panama City versus $2,565 in Ashland, OR, a $2,500 budget is realistic in Panama City but tight or insufficient in Ashland, OR. The gap between the two cities makes Panama City the clear choice for anyone on this budget.

For families, Panama City is more practical. Housing and childcare are both notably cheaper than in Ashland, OR, and the savings on those two alone free up budget for education, activities, and family trips.

Expats usually find Panama City gentler on the wallet – expenses run 38% less than in Ashland, OR. Beyond cost, consider language, visa policies, and how big the international community is in each city.