Last update: Oct 2026

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

For one person, living is cheaper in Panama City: $1,857 a month against $3,251 in San Ramon, CA, rent and utilities included – about $16,700 less a year. Rent and utilities account for most of the difference.

156

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

Cost of Living Index in Panama City
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Panama City Living Index

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San Ramon, CA

🇺🇸 United States

$3,251

/mo nomad

Panama City

🇵🇦 Panama

$1,857

/mo nomad

Monthly Cost of Living

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

A single person spends $3,251 per month in San Ramon, CA vs $1,857 in Panama City, rent included.

San Ramon, CA $3,251
Panama City $1,857

A couple spends around $2,965 per month in San Ramon, CA vs $2,815 in Panama City, rent included.

San Ramon, CA $2,965
Panama City $2,815

A family of three spends $2,680 per month in San Ramon, CA vs $3,773 in Panama City, rent included.

San Ramon, CA $2,680
Panama City $3,773

San Ramon, CA costs about 75% more than Panama City, and outside of rent the biggest gap is in groceries.

Both San Ramon, CA and Panama City sit above the global median – San Ramon, CA by 140%, Panama City by 37%.

Meal at Budget Restaurant

$19.22 $19.22

$11.68 PAB 11.68

64.55%

Three-Course Dinner for Two, Mid-Range

$50.8 $50.8

$47.76 PAB 47.76

6.30%

Fast Food Meal (McDonalds, etc)

$10.87 $10.87

$8.12 PAB 8.12

33.87%

Cappuccino

$5.36 $5.36

$4.23 PAB 4.23

26.71%

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

$3.03 $3.03

$1.92 PAB 1.92

57.81%

Water (0.33 liter bottle)

$2.54 $2.54

$1.58 PAB 1.58

60.76%

Local Beer (0.5 liter draught)

$9.19 $9.19

$3.31 PAB 3.31

177.64%

Imported Beer (0.33 liter bottle)

$7.89 $7.89

$3.98 PAB 3.98

98.24%

Milk (1 liter)

$1.32 $1.32

$1.92 PAB 1.92

-31.25%

White Bread (500g)

$4.17 $4.17

$2.63 PAB 2.63

58.56%

Rice (white) (1kg)

$4.87 $4.87

$3.39 PAB 3.39

43.66%

Eggs

$3.89 $3.89

$2.67 PAB 2.67

45.69%

Local Cheese (1kg)

$24.97 $24.97

$12.21 PAB 12.21

104.50%

Chicken Fillets (1kg)

$11.84 $11.84

$6.91 PAB 6.91

71.35%

Beef Round Steak (1kg)

$13.29 $13.29

$10.58 PAB 10.58

25.61%

Apples (1kg)

$5.40 $5.40

$4.16 PAB 4.16

29.81%

Banana (1kg)

$3.22 $3.22

$1.97 PAB 1.97

63.45%

Oranges (1kg)

$4.79 $4.79

$4.06 PAB 4.06

17.98%

Tomato (1kg)

$5.87 $5.87

$4.18 PAB 4.18

40.43%

Potato (1kg)

$3.35 $3.35

$3.47 PAB 3.47

-3.46%

Onion (1kg)

$3.99 $3.99

$4.26 PAB 4.26

-6.34%

Lettuce (1 head)

$2.96 $2.96

$2.44 PAB 2.44

21.31%

Water (1.5 liter bottle)

$2.65 $2.65

$1.69 PAB 1.69

56.80%

Cigarettes 20 Pack (Marlboro, Camel)

$11.57 $11.57

$5.83 PAB 5.83

98.46%

Wine (Bottle)

$12.93 $12.93

$11.43 PAB 11.43

13.12%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$1.38 PAB 1.38

50.00%

Imported Beer (0.33 liter bottle)

$2.53 $2.53

$2.76 PAB 2.76

-8.33%

One-way Ticket (Public Transport)

$0.33 PAB 0.33

Public Transport Monthly Pass (Regular Price)

$20.63 PAB 20.63

Taxi Start (Normal Tariff)

$4.06 $4.06

$2.55 PAB 2.55

59.22%

Taxi (Normal Tariff) (1km)

$5.12 $5.12

$1.78 PAB 1.78

187.64%

Taxi 1hour Waiting (Normal Tariff)

$22.17 PAB 22.17

Gasoline (1 liter)

$1.23 $1.23

$1.24 PAB 1.24

-0.81%

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

$28.1K $28.1K

$24.4K PAB 24.4K

15.25%

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

$27.2K $27.2K

$21.3K PAB 21.3K

27.73%

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

$140 $140

$131 PAB 131

6.57%

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

$39.37 $39.37

$27.83 PAB 27.83

41.47%

Internet (50+ Mbps, Unlimited Data)

$63.5 $63.5

$49.32 PAB 49.32

28.71%

Gym Membership (Monthly)

$20.11 $20.11

$45.69 PAB 45.69

-55.99%

Tennis Court (1 Hour on Weekend)

$34.10 PAB 34.10

Cinema Ticket

$16.77 $16.77

$8.47 PAB 8.47

97.99%

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

$1,796 $1,796

$553 PAB 553

224.44%

International Primary School, 1 Child (Yearly)

$24.3K $24.3K

$9,719 PAB 9,719

150.22%

Jeans (Levis 501 Or Similar)

$49.41 $49.41

$66.4 PAB 66.4

-25.63%

Summer Dress (H&M, Zara, etc)

$39.41 $39.41

$47.39 PAB 47.39

-16.84%

Sport Shoes (Adidas, Nike)

$99.6 $99.6

$95.7 PAB 95.7

4.08%

Men's Leather Business Shoes

$61.0 $61.0

$113 PAB 113

-45.85%

1-bedroom Apartment, City Center (Monthly)

$2,375 $2,375

$1,322 PAB 1,322

79.61%

1-bedroom Apartment, Outside City Center (Monthly)

$2,016 $2,016

$874 PAB 874

130.62%

3-bedroom Apartment, City Center (Monthly)

$2,946 $2,946

$2,153 PAB 2,153

36.82%

3-bedroom Apartment, Outside City Center (Monthly)

$1,580 PAB 1,580

Buy Apartment in City Center (m2)

$3,097 PAB 3,097

Buy Apartment Outside City Center (m2)

$1,698 PAB 1,698

Average Monthly Net Salary (After Tax)

$9,337 $9,337

$914 PAB 914

921.64%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

6.39

4.69%

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

Last update for San Ramon, CA: October 18, 2026

Last update for Panama City: October 20, 2026

Monthly budget structure

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

Accommodation & Living

San Ramon, CA

$2K 62%

Panama City

$874 47.1% 56.6% $1.1K

Groceries & Markets

San Ramon, CA

$462 14.2%

Panama City

$327 17.6% 29.3% $135

Eating Out

San Ramon, CA

$335 10.3%

Panama City

$207 11.2% 38.1% $128

Monthly Utilities & Internet

San Ramon, CA

$243 7.5%

Panama City

$208 11.2% 14.1% $34

Clothing & Footwear

San Ramon, CA

$112 3.5%

Panama City

$145 7.8% 29.2% $33

Sport & Entertainment

San Ramon, CA

$54 1.7%

Panama City

$63 3.4% 16.8% $9

Getting Around

San Ramon, CA

$30 * 0.9%

Panama City

$33 1.8% 12.7% $3.8

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

Cost Breakdown

A central one-bedroom costs $2,375 in San Ramon, CA versus $1,322 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 922% higher in San Ramon, 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 $51.0 in San Ramon, CA versus $48.00 in Panama City. Monthly groceries follow the same trend: $462 vs $327 – making Panama City the more affordable choice for daily food spending.

Good to know

🇺🇸 San Ramon, CA

🇵🇦 Panama City

🕒 Local time

08:05 8:05 AM

10:05 10:05 AM

2 h ahead of San Ramon, CA

🌤 Weather

👥 Population

75,995

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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Panamanian Balboa exchange rates as of October 22, 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

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Between locations

San Ramon, CA Panama City 5,310 km ≈ 7 h nonstop flight

From you

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

Yes – San Ramon, CA is pricier by about 75%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $4,876 per month in San Ramon, CA and $2,786 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.

Monthly expenses with rent come to $3,251 in San Ramon, CA and $1,857 in Panama City. That's a gap of about 75%.

Kindergarten costs $1,796 per month in San Ramon, CA and $553 in Panama City. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,500 monthly budget goes further in Panama City, where all-in costs run around $1,857, than in San Ramon, CA at $3,251. In Panama City it covers expenses comfortably, while in San Ramon, 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 Ramon, CA makes more sense. Both are solid long-term options with distinct trade-offs.