Last update: Oct 2026

Cost of Living Comparison Between Panama City, FL and Tbilisi

For one person, living is cheaper in Tbilisi: $1,269 a month against $2,409 in Panama City, FL, rent and utilities included – about $13,700 less a year. Rent and utilities account for most of the difference.

115

Cost of Living Index in Panama City, FL
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Panama City, FL Living Index
61

Cost of Living Index in Tbilisi
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Tbilisi Living Index

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Panama City, FL

🇺🇸 United States

$2,409

/mo nomad

Tbilisi

🇬🇪 Georgia

$1,269

/mo nomad

Monthly Cost of Living

How much you'll spend in Panama City, FL and in Tbilisi

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

Monthly costs for one person with rent: $2,409 in Panama City, FL versus $1,269 in Tbilisi.

Panama City, FL $2,409
Tbilisi $1,269

Estimated couple costs with rent: $3,287 in Panama City, FL versus $2,016 in Tbilisi.

Panama City, FL $3,287
Tbilisi $2,016

Monthly costs for a family of three with rent: $4,165 in Panama City, FL versus $2,763 in Tbilisi.

Panama City, FL $4,165
Tbilisi $2,763

Living in Panama City, FL is roughly 90% more expensive than in Tbilisi, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Panama City, FL is 77% above, Tbilisi is 7% below.

Meal at Budget Restaurant

$18.74 $18.74

$11.63 ₾30.07

61.13%

Three-Course Dinner for Two, Mid-Range

$54.0 $54.0

$37.83 ₾97.8

42.74%

Fast Food Meal (McDonalds, etc)

$12.11 $12.11

$9.66 ₾24.98

25.36%

Cappuccino

$5.60 $5.60

$3.57 ₾9.24

56.86%

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

$2.89 $2.89

$1.08 ₾2.78

167.59%

Water (0.33 liter bottle)

$1.70 $1.70

$0.56 ₾1.45

203.57%

Local Beer (0.5 liter draught)

$5.10 $5.10

$2.62 ₾6.78

94.66%

Imported Beer (0.33 liter bottle)

$7.12 $7.12

$3.04 ₾7.85

134.21%

Milk (1 liter)

$0.90 $0.90

$2.17 ₾5.60

-58.53%

White Bread (500g)

$3.46 $3.46

$0.80 ₾2.06

332.50%

Rice (white) (1kg)

$2.66 $2.66

$1.74 ₾4.51

52.87%

Eggs

$3.30 $3.30

$2.83 ₾7.31

16.61%

Local Cheese (1kg)

$10.78 $10.78

$9.31 ₾24.07

15.79%

Chicken Fillets (1kg)

$11.61 $11.61

$6.52 ₾16.85

78.07%

Beef Round Steak (1kg)

$14.64 $14.64

$12.95 ₾33.50

13.05%

Apples (1kg)

$4.10 $4.10

$1.68 ₾4.34

144.05%

Banana (1kg)

$1.49 $1.49

$1.85 ₾4.79

-19.46%

Oranges (1kg)

$2.73 $2.73

$1.97 ₾5.10

38.58%

Tomato (1kg)

$4.30 $4.30

$2.42 ₾6.25

77.69%

Potato (1kg)

$3.11 $3.11

$0.82 ₾2.11

279.27%

Onion (1kg)

$2.84 $2.84

$0.74 ₾1.91

283.78%

Lettuce (1 head)

$2.09 $2.09

$1.34 ₾3.47

55.97%

Water (1.5 liter bottle)

$2.22 $2.22

$0.77 ₾2.00

188.31%

Cigarettes 20 Pack (Marlboro, Camel)

$9.31 $9.31

$3.57 ₾9.24

160.78%

Wine (Bottle)

$12.15 $12.15

$7.67 ₾19.83

58.41%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$1.70 ₾4.39

Imported Beer (0.33 liter bottle)

$3.86 $3.86

$2.40 ₾6.21

60.83%

One-way Ticket (Public Transport)

$1.46 $1.46

$0.40 ₾1.05

265.00%

Public Transport Monthly Pass (Regular Price)

$35.52 $35.52

$15.23 ₾39.38

133.22%

Taxi Start (Normal Tariff)

$2.55 $2.55

$1.14 ₾2.95

123.68%

Taxi (Normal Tariff) (1km)

$1.51 $1.51

$0.78 ₾2.02

93.59%

Taxi 1hour Waiting (Normal Tariff)

$26.17 $26.17

$11.83 ₾30.58

121.22%

Gasoline (1 liter)

$0.98 $0.98

$1.45 ₾3.75

-32.41%

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

$27.5K $27.5K

$24.6K ₾63.6K

11.89%

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

$25.9K $25.9K

$22.3K ₾57.8K

16.17%

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

$169 $169

$88.8 ₾230

90.71%

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

$44.38 $44.38

$13.12 ₾33.93

238.26%

Internet (50+ Mbps, Unlimited Data)

$59.5 $59.5

$19.67 ₾50.9

202.69%

Gym Membership (Monthly)

$24.35 $24.35

$64.1 ₾166

-61.98%

Tennis Court (1 Hour on Weekend)

$19.04 ₾49.24

Cinema Ticket

$12.87 $12.87

$7.12 ₾18.42

80.76%

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

$618 $618

$375 ₾971

64.57%

International Primary School, 1 Child (Yearly)

$13.9K $13.9K

$10.5K ₾27.1K

32.32%

Jeans (Levis 501 Or Similar)

$48.26 $48.26

$104 ₾268

-53.43%

Summer Dress (H&M, Zara, etc)

$40.43 $40.43

$39.26 ₾102

2.98%

Sport Shoes (Adidas, Nike)

$84.5 $84.5

$117 ₾303

-28.03%

Men's Leather Business Shoes

$95.9 $95.9

$122 ₾315

-21.26%

1-bedroom Apartment, City Center (Monthly)

$921 $921

$695 ₾1,798

32.48%

1-bedroom Apartment, Outside City Center (Monthly)

$1,248 $1,248

$451 ₾1,167

176.58%

3-bedroom Apartment, City Center (Monthly)

$1,673 $1,673

$1,355 ₾3,504

23.46%

3-bedroom Apartment, Outside City Center (Monthly)

$1,662 $1,662

$906 ₾2,343

83.40%

Buy Apartment in City Center (m2)

$3,269 $3,269

$2,295 ₾5,934

42.45%

Buy Apartment Outside City Center (m2)

$2,694 $2,694

$1,345 ₾3,478

100.36%

Average Monthly Net Salary (After Tax)

$3,980 $3,980

$664 ₾1,718

499.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

12.62

-48.18%

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

Last update for Panama City, FL: October 27, 2026

Last update for Tbilisi: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Panama City, FL

$1.2K 51.8%

Tbilisi

$451 35.6% 63.8% $797

Groceries & Markets

Panama City, FL

$354 14.7%

Tbilisi

$234 18.4% 33.9% $120

Eating Out

Panama City, FL

$312 12.9%

Tbilisi

$191 15% 38.8% $121

Monthly Utilities & Internet

Panama City, FL

$273 11.3%

Tbilisi

$122 9.6% 55.5% $152

Clothing & Footwear

Panama City, FL

$121 5%

Tbilisi

$172 13.5% 42% $51

Getting Around

Panama City, FL

$51 2.1%

Tbilisi

$22 1.7% 57.5% $30

Sport & Entertainment

Panama City, FL

$50 2.1%

Tbilisi

$78 6.2% 56.3% $28

Cost Breakdown

A one-bedroom apartment in the center runs $921 in Panama City, FL and $695 in Tbilisi. Housing cost is often the main lever when comparing two cities.

Panama City, FL pays about 6 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $54 in Panama City, FL vs $38 in Tbilisi for a mid-range dinner for two. Groceries echo the gap at $354 vs $234 per month, with Tbilisi cheaper across the board.

Good to know

🇺🇸 Panama City, FL

🇬🇪 Tbilisi

🕒 Local time

06:00 6:00 AM

15:00 3:00 PM

9 h ahead of Panama City, FL

🌤 Weather

👥 Population

36,484

1,241,700 Capital

💱 Currency

United States Dollar USD $

Georgian Lari GEL ₾

📈 Exchange rate

1 USD = 0.896 EUR

1 GEL = 0.387 USD

1 GEL = 0.347 EUR

Exchange rates and currency converter

GEL, EUR to USD – United States Dollar Converter

🇬🇪 Georgian Lari (₾)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 29, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

Georgian Lari exchange rates as of October 29, 2026: 1 USD = 2.59 GEL (1 GEL = 0.387 USD). 1 EUR = 2.89 GEL (1 GEL = 0.347 EUR).

GEL to USD in detail →

On the map

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Between locations

Panama City, FL Tbilisi 10,550 km ≈ 14 h nonstop flight

From you

Panama City, FL
Tbilisi

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

Panama City, FL vs Tbilisi: Cost of Living - Frequently Asked Questions

Tbilisi wins on cost – living expenses run 47% lower than in Panama City, FL. Housing and daily spending are where you’ll feel the difference most, making Tbilisi the obvious pick if budget is a priority.

Average pay in Panama City, FL is about 6 times higher, 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: $921 in Panama City, FL versus $695 in Tbilisi. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $618 in Panama City, FL versus $375 in Tbilisi. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 51% higher in Panama City, FL. For households that cook at home regularly, that difference adds up over a month.

At $1,269 in Tbilisi versus $2,409 in Panama City, FL, a $2,000 budget is realistic in Tbilisi but tight or insufficient in Panama City, FL. The gap between the two cities makes Tbilisi the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Tbilisi gentler on the wallet – expenses run 47% less than in Panama City, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.