Last update: Oct 2026

Cost of Living Comparison Between San Clemente, CA and Panama City

For one person, living is cheaper in Panama City: $1,855 a month against $3,426 in San Clemente, CA, rent and utilities included – about $18,900 less a year. Rent and utilities account for most of the difference.

168

Cost of Living Index in San Clemente, CA
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San Clemente, CA Living Index
90

Cost of Living Index in Panama City
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Panama City Living Index

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San Clemente, CA

🇺🇸 United States

$3,426

/mo nomad

Panama City

🇵🇦 Panama

$1,855

/mo nomad

Monthly Cost of Living

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

A single person spends $3,426 per month in San Clemente, CA vs $1,855 in Panama City, rent included.

San Clemente, CA $3,426
Panama City $1,855

A couple spends around $5,328 per month in San Clemente, CA vs $2,804 in Panama City, rent included.

San Clemente, CA $5,328
Panama City $2,804

A family of three spends $7,230 per month in San Clemente, CA vs $3,753 in Panama City, rent included.

San Clemente, CA $7,230
Panama City $3,753

San Clemente, CA costs about 85% more than Panama City, and outside of rent the biggest gap is in eating out.

Both San Clemente, CA and Panama City sit above the global median – San Clemente, CA by 154%, Panama City by 37%.

Meal at Budget Restaurant

$25.27 $25.27

$11.63 PAB 11.63

117.28%

Three-Course Dinner for Two, Mid-Range

$99.2 $99.2

$47.92 PAB 47.92

106.99%

Fast Food Meal (McDonalds, etc)

$12.31 $12.31

$7.96 PAB 7.96

54.65%

Cappuccino

$5.80 $5.80

$4.22 PAB 4.22

37.44%

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

$3.14 $3.14

$2.01 PAB 2.01

56.22%

Water (0.33 liter bottle)

$2.60 $2.60

$1.56 PAB 1.56

66.67%

Local Beer (0.5 liter draught)

$8.07 $8.07

$3.39 PAB 3.39

138.05%

Imported Beer (0.33 liter bottle)

$9.56 $9.56

$3.94 PAB 3.94

142.64%

Milk (1 liter)

$1.10 $1.10

$1.85 PAB 1.85

-40.54%

White Bread (500g)

$4.40 $4.40

$2.56 PAB 2.56

71.88%

Rice (white) (1kg)

$4.74 $4.74

$3.48 PAB 3.48

36.21%

Eggs

$3.97 $3.97

$2.69 PAB 2.69

47.58%

Local Cheese (1kg)

$16.46 $16.46

$12.57 PAB 12.57

30.95%

Chicken Fillets (1kg)

$13.88 $13.88

$6.83 PAB 6.83

103.22%

Beef Round Steak (1kg)

$18.72 $18.72

$10.58 PAB 10.58

76.94%

Apples (1kg)

$4.73 $4.73

$4.18 PAB 4.18

13.16%

Banana (1kg)

$1.91 $1.91

$1.83 PAB 1.83

4.37%

Oranges (1kg)

$4.31 $4.31

$4.20 PAB 4.20

2.62%

Tomato (1kg)

$4.84 $4.84

$4.03 PAB 4.03

20.10%

Potato (1kg)

$3.15 $3.15

$3.48 PAB 3.48

-9.48%

Onion (1kg)

$2.59 $2.59

$4.22 PAB 4.22

-38.63%

Lettuce (1 head)

$2.16 $2.16

$2.41 PAB 2.41

-10.37%

Water (1.5 liter bottle)

$2.07 $2.07

$1.69 PAB 1.69

22.49%

Cigarettes 20 Pack (Marlboro, Camel)

$7.43 $7.43

$6.14 PAB 6.14

21.01%

Wine (Bottle)

$15.58 $15.58

$11.30 PAB 11.30

37.88%

Local Beer (0.5 liter bottle)

$2.22 $2.22

$1.42 PAB 1.42

56.34%

Imported Beer (0.33 liter bottle)

$3.10 $3.10

$2.73 PAB 2.73

13.55%

One-way Ticket (Public Transport)

$2.80 $2.80

$0.33 PAB 0.33

748.48%

Public Transport Monthly Pass (Regular Price)

$46.53 $46.53

$21.23 PAB 21.23

119.17%

Taxi Start (Normal Tariff)

$3.05 $3.05

$2.52 PAB 2.52

21.03%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.86 PAB 1.86

13.98%

Taxi 1hour Waiting (Normal Tariff)

$27.53 $27.53

$21.78 PAB 21.78

26.40%

Gasoline (1 liter)

$1.26 $1.26

$1.25 PAB 1.25

0.80%

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

$28.1K $28.1K

$21.2K PAB 21.2K

32.09%

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

$26.1K $26.1K

$21.0K PAB 21.0K

23.99%

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

$247 $247

$130 PAB 130

90.03%

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

$74.7 $74.7

$28.13 PAB 28.13

165.38%

Internet (50+ Mbps, Unlimited Data)

$84.9 $84.9

$48.21 PAB 48.21

76.10%

Gym Membership (Monthly)

$44.29 $44.29

$45.78 PAB 45.78

-3.25%

Tennis Court (1 Hour on Weekend)

$17.63 $17.63

$34.92 PAB 34.92

-49.51%

Cinema Ticket

$15.24 $15.24

$8.67 PAB 8.67

75.78%

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

$986 $986

$544 PAB 544

81.13%

International Primary School, 1 Child (Yearly)

$35.6K $35.6K

$9,697 PAB 9,697

267.23%

Jeans (Levis 501 Or Similar)

$67.1 $67.1

$66.8 PAB 66.8

0.57%

Summer Dress (H&M, Zara, etc)

$29.46 $29.46

$49.14 PAB 49.14

-40.05%

Sport Shoes (Adidas, Nike)

$88.6 $88.6

$93.9 PAB 93.9

-5.57%

Men's Leather Business Shoes

$143 $143

$112 PAB 112

28.59%

1-bedroom Apartment, City Center (Monthly)

$2,340 $2,340

$1,257 PAB 1,257

86.16%

1-bedroom Apartment, Outside City Center (Monthly)

$1,897 $1,897

$875 PAB 875

116.84%

3-bedroom Apartment, City Center (Monthly)

$4,044 $4,044

$2,155 PAB 2,155

87.66%

3-bedroom Apartment, Outside City Center (Monthly)

$3,813 $3,813

$1,564 PAB 1,564

143.85%

Buy Apartment in City Center (m2)

$6,394 $6,394

$3,122 PAB 3,122

104.78%

Buy Apartment Outside City Center (m2)

$3,293 $3,293

$1,709 PAB 1,709

92.64%

Average Monthly Net Salary (After Tax)

$3,980 $3,980

$916 PAB 916

334.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.19

6.39

-3.13%

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

Last update for San Clemente, CA: October 12, 2026

Last update for Panama City: October 10, 2026

Monthly budget structure

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

Accommodation & Living

San Clemente, CA

$1.9K 55.4%

Panama City

$875 47.2% 53.9% $1K

Groceries & Markets

San Clemente, CA

$438 12.8%

Panama City

$325 17.5% 25.8% $113

Monthly Utilities & Internet

San Clemente, CA

$406 11.9%

Panama City

$206 11.1% 49.3% $200

Eating Out

San Clemente, CA

$391 11.4%

Panama City

$207 11.1% 47.2% $184

Clothing & Footwear

San Clemente, CA

$148 4.3%

Panama City

$145 7.8% 2.2% $3.3

Sport & Entertainment

San Clemente, CA

$75 2.2%

Panama City

$63 3.4% 15.6% $12

Getting Around

San Clemente, CA

$71 2.1%

Panama City

$34 1.9% 51.8% $37

Cost Breakdown

A central one-bedroom costs $2,340 in San Clemente, CA versus $1,257 in Panama City. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 334% higher in San Clemente, CA, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $99.0 in San Clemente, CA versus $48.00 in Panama City. Monthly groceries follow the same trend: $438 vs $325 – making Panama City the more affordable choice for daily food spending.

Good to know

🇺🇸 San Clemente, CA

🇵🇦 Panama City

🕒 Local time

11:22 11:22 AM

13:22 1:22 PM

2 h ahead of San Clemente, CA

🌤 Weather

👥 Population

65,526

1,086,990 Capital

💱 Currency

United States Dollar USD $

Panamanian Balboa PAB B/.

📈 Exchange rate

1 USD = 0.889 EUR

1 PAB = 1 USD

1 PAB = 0.889 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 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

Panamanian Balboa exchange rates as of October 17, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.889 EUR).

PAB to USD in detail →

On the map

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Between locations

San Clemente, CA Panama City 4,750 km ≈ 6 h nonstop flight

From you

San Clemente, 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

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

Yes – San Clemente, CA is pricier by about 85%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $5,140 per month in San Clemente, CA and $2,783 in Panama City. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Panama City, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 35% more in San Clemente, CA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $99.0 in San Clemente, CA and $48.00 in Panama City. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,500 monthly budget goes further in Panama City, where all-in costs run around $1,855, than in San Clemente, CA at $3,426. In Panama City it covers expenses comfortably, while in San Clemente, CA it requires careful planning or may not stretch far enough.

Families tend to lean toward Panama City – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Panama City. If higher salaries, better infrastructure, or specific career opportunities are the priority, San Clemente, CA makes more sense. Both are solid long-term options with distinct trade-offs.