Expat Living Guide

A boots‑on‑the‑ground handbook for thriving—not just surviving—in Panama. Skim for quick answers or read end‑to‑end for a 360° view of daily life. Updated April 2025.

Where to Live

Area Vibe Monthly Rent* Why Expats Like It
El Cangrejo (PTY) Walkable, leafy, cafés $850–$1,400 Car‑free lifestyle, central metro stop
San Francisco (PTY) Residential‑meets‑urban $1,000–$1,800 Near Parque Omar & malls
Costa del Este (PTY) Modern, upscale, families $1,500–$3,000 International schools, offices
Casco Viejo (PTY) Colonial, hipster, nightlife $1,200–$2,500 Rooftop bars, history, Airbnb potential
Coronado (Pacific Beach) Laid‑back, retirees $900–$1,600 1‑hr drive to city, golf, expat clubs
Boquete (Highlands) Cool climate, outdoorsy $700–$1,200 Coffee farms, hiking, dog‑friendly
Bocas del Toro (Caribbean) Island, backpacker, surf $600–$1,000 Over‑the‑water living, dive scene

*Furnished 2‑bed apartment/house, 6‑ or 12‑month lease. Utilities extra unless noted.

Pro Tip: Rent short‑term (Airbnb or monthly) for the first 3–6 months while you neighborhood‑shop.

Cost of Living Snapshot (USD)

Budget $1,800–$2,800 per month for a comfortable single/couple life in Panama City; 15–25 % less outside the capital.

Healthcare

Banking & Money

Getting Around

ModeCostNotes
Metro (Line 1 & 2)$0.35Tap RapiPass card; A/C, safe
City Bus (MetroBus)$0.25–$1.25Extensive routes; Spanish signs
Uber/Cabify$3–$15Cheapest to/from airport PTY (~$16)
Yellow TaxisNegotiatedAlways agree on fare first
DrivingGas ~$4/galToll pass (Panapass), defensive driving a must

Driver’s License
Tourists can drive on a foreign license for 90 days. Residents convert their license after receiving their carnet; AskPanama can fast‑track the appointment.

Education

International Schools (annual tuition):

Most follow US or IB curricula; wait‑lists common—apply 6–12 months out.

Utilities & Connectivity

Working & Business

Culture & Social Life

Safety & Emergency

Taxes & Legal Basics

Weekends & Getaways

Families & Pets

Weekends & Getaways

Must‑Have Apps

Next Steps

Compare Residency Paths

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