Last update: Oct 2026

Cost of Living Comparison Between Camarillo, CA and Panama City

For one person, living is cheaper in Panama City: $1,837 a month against $3,596 in Camarillo, CA, rent and utilities included – about $21,100 less a year. Rent and utilities account for most of the difference.

176

Cost of Living Index in Camarillo, CA
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Camarillo, CA Living Index
90

Cost of Living Index in Panama City
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Panama City Living Index

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Camarillo, CA

🇺🇸 United States

$3,596

/mo nomad

Panama City

🇵🇦 Panama

$1,837

/mo nomad

Monthly Cost of Living

How much you'll spend in Camarillo, CA 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 Camarillo, CA and in Panama City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,596 in Camarillo, CA versus $1,837 in Panama City.

Camarillo, CA $3,596
Panama City $1,837

Estimated couple costs with rent: $5,243 in Camarillo, CA versus $2,825 in Panama City.

Camarillo, CA $5,243
Panama City $2,825

Monthly costs for a family of three with rent: $6,891 in Camarillo, CA versus $3,812 in Panama City.

Camarillo, CA $6,891
Panama City $3,812

Living in Camarillo, CA is roughly 96% more expensive than in Panama City, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Camarillo, CA 168% above, Panama City 37% above.

Meal at Budget Restaurant

$24.94 $24.94

$11.34 PAB 11.34

119.93%

Three-Course Dinner for Two, Mid-Range

$64.5 $64.5

$47.85 PAB 47.85

34.75%

Fast Food Meal (McDonalds, etc)

$10.28 $10.28

$8.07 PAB 8.07

27.39%

Cappuccino

$5.62 $5.62

$4.02 PAB 4.02

39.80%

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

$2.72 $2.72

$1.94 PAB 1.94

40.21%

Water (0.33 liter bottle)

$1.95 $1.95

$1.62 PAB 1.62

20.37%

Local Beer (0.5 liter draught)

$6.89 $6.89

$3.26 PAB 3.26

111.35%

Imported Beer (0.33 liter bottle)

$9.50 $9.50

$3.99 PAB 3.99

138.10%

Milk (1 liter)

$1.20 $1.20

$1.83 PAB 1.83

-34.43%

White Bread (500g)

$5.71 $5.71

$2.57 PAB 2.57

122.18%

Rice (white) (1kg)

$4.31 $4.31

$3.33 PAB 3.33

29.43%

Eggs

$4.90 $4.90

$2.69 PAB 2.69

82.16%

Local Cheese (1kg)

$12.61 $12.61

$12.33 PAB 12.33

2.27%

Chicken Fillets (1kg)

$20.58 $20.58

$6.69 PAB 6.69

207.62%

Beef Round Steak (1kg)

$13.99 $13.99

$10.40 PAB 10.40

34.52%

Apples (1kg)

$5.65 $5.65

$4.16 PAB 4.16

35.82%

Banana (1kg)

$1.76 $1.76

$1.84 PAB 1.84

-4.35%

Oranges (1kg)

$4.13 $4.13

$4.18 PAB 4.18

-1.20%

Tomato (1kg)

$6.39 $6.39

$4.08 PAB 4.08

56.62%

Potato (1kg)

$3.52 $3.52

$3.50 PAB 3.50

0.57%

Onion (1kg)

$3.51 $3.51

$4.37 PAB 4.37

-19.68%

Lettuce (1 head)

$2.27 $2.27

$2.34 PAB 2.34

-2.99%

Water (1.5 liter bottle)

$2.20 $2.20

$1.75 PAB 1.75

25.71%

Cigarettes 20 Pack (Marlboro, Camel)

$11.48 $11.48

$6.06 PAB 6.06

89.44%

Wine (Bottle)

$14.93 $14.93

$11.72 PAB 11.72

27.39%

Local Beer (0.5 liter bottle)

$1.76 $1.76

$1.37 PAB 1.37

28.47%

Imported Beer (0.33 liter bottle)

$3.22 $3.22

$2.84 PAB 2.84

13.38%

One-way Ticket (Public Transport)

$0.36 PAB 0.36

Public Transport Monthly Pass (Regular Price)

$20.96 PAB 20.96

Taxi Start (Normal Tariff)

$4.42 $4.42

$2.52 PAB 2.52

75.40%

Taxi (Normal Tariff) (1km)

$1.87 $1.87

$1.79 PAB 1.79

4.47%

Taxi 1hour Waiting (Normal Tariff)

$35.44 $35.44

$22.01 PAB 22.01

61.02%

Gasoline (1 liter)

$1.43 $1.43

$1.25 PAB 1.25

14.40%

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

$36.9K $36.9K

$21.5K PAB 21.5K

71.41%

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

$23.7K $23.7K

$21.2K PAB 21.2K

11.74%

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

$219 $219

$131 PAB 131

66.60%

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

$72.0 $72.0

$27.68 PAB 27.68

160.01%

Internet (50+ Mbps, Unlimited Data)

$70.3 $70.3

$48.59 PAB 48.59

44.62%

Gym Membership (Monthly)

$40.06 $40.06

$46.11 PAB 46.11

-13.12%

Tennis Court (1 Hour on Weekend)

$35.01 PAB 35.01

Cinema Ticket

$12.17 $12.17

$8.73 PAB 8.73

39.40%

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

$1,958 $1,958

$551 PAB 551

255.69%

International Primary School, 1 Child (Yearly)

$43.5K $43.5K

$9,560 PAB 9,560

354.74%

Jeans (Levis 501 Or Similar)

$74.3 $74.3

$67.6 PAB 67.6

9.87%

Summer Dress (H&M, Zara, etc)

$19.89 $19.89

$48.03 PAB 48.03

-58.59%

Sport Shoes (Adidas, Nike)

$81.2 $81.2

$94.9 PAB 94.9

-14.44%

Men's Leather Business Shoes

$168 $168

$113 PAB 113

48.85%

1-bedroom Apartment, City Center (Monthly)

$2,207 $2,207

$1,238 PAB 1,238

78.35%

1-bedroom Apartment, Outside City Center (Monthly)

$2,215 $2,215

$873 PAB 873

153.71%

3-bedroom Apartment, City Center (Monthly)

$4,149 $4,149

$2,197 PAB 2,197

88.85%

3-bedroom Apartment, Outside City Center (Monthly)

$3,776 $3,776

$1,538 PAB 1,538

145.45%

Buy Apartment in City Center (m2)

$6,424 $6,424

$3,116 PAB 3,116

106.18%

Buy Apartment Outside City Center (m2)

$1,725 PAB 1,725

Average Monthly Net Salary (After Tax)

$5,665 $5,665

$934 PAB 934

506.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.64

6.39

3.91%

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

Last update for Camarillo, CA: October 3, 2026

Last update for Panama City: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Camarillo, CA

$2.2K 60.6%

Panama City

$873 47.2% 60.6% $1.3K

Groceries & Markets

Camarillo, CA

$474 13%

Panama City

$324 17.5% 31.6% $150

Eating Out

Camarillo, CA

$370 10.1%

Panama City

$202 10.9% 45.5% $168

Monthly Utilities & Internet

Camarillo, CA

$361 9.9%

Panama City

$207 11.2% 42.5% $153

Clothing & Footwear

Camarillo, CA

$155 4.2%

Panama City

$146 7.9% 5.8% $9

Sport & Entertainment

Camarillo, CA

$64 1.8%

Panama City

$64 3.4% 1.3% $0.8

Getting Around

Camarillo, CA

$14 * 0.4%

Panama City

$34 1.8% 146% $20

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 $2,207 in Camarillo, CA and $1,238 in Panama City. Housing cost is often the main lever when comparing two cities.

Camarillo, CA pays 506% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $64.0 in Camarillo, CA vs $48.00 in Panama City for a mid-range dinner for two. Groceries echo the gap at $474 vs $324 per month, with Panama City cheaper across the board.

Good to know

🇺🇸 Camarillo, CA

🇵🇦 Panama City

🕒 Local time

11:16 11:16 AM

13:16 1:16 PM

2 h ahead of Camarillo, CA

🌤 Weather

👥 Population

62,489

1,086,990 Capital

💱 Currency

United States Dollar USD $

Panamanian Balboa PAB B/.

📈 Exchange rate

1 USD = 0.892 EUR

1 PAB = 1 USD

1 PAB = 0.892 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 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Panamanian Balboa exchange rates as of October 10, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.892 EUR).

PAB to USD in detail →

On the map

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Highest

Between locations

Camarillo, CA Panama City 4,910 km ≈ 7 h nonstop flight

From you

Camarillo, CA
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

Camarillo, CA vs Panama City: Cost of Living - Frequently Asked Questions

Panama City is cheaper overall, especially in groceries, eating out, and clothing. The 96% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 506% higher in Camarillo, CA, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,207 in Camarillo, CA versus $1,238 in Panama City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 46% higher in Camarillo, CA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,596 per month in Camarillo, CA versus $1,837 in Panama City – a 96% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,837 in Panama City versus $3,596 in Camarillo, CA, a $2,500 budget is realistic in Panama City but tight or insufficient in Camarillo, CA. 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 Camarillo, CA, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Camarillo, CA and Panama City are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Panama City gentler on the wallet – expenses run 96% less than in Camarillo, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.