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Cost of Living: Honolulu vs Panama City (2026)

United States vs Panama — relocation comparison

Your passport:
Honolulu
Panama City
$2,703/mo
Rent

1BR centre

$1,059/mo
10 yr
PR path
0 yr
Freelance setup
Self-employed / Sole Proprietor
  • No VAT exemption
  • 15.3% social
  • €1000/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRPanama City is 61% cheaper on rent ($1,059/mo vs $2,703/mo). Panama gets you to permanent residency 10 years faster (0 vs 10 years). Neither city will test your commitment to owning a coat.
Honolulu and Panama City are almost suspiciously well-matched. Flip a coin.
How the livability score breaks down
Honolulu
Panama City
2.9/25
💰 Affordability
18.7/25
13.5/15
🔒 Violent Crime
2.5/15
5.3/10
🛡️ Perceived Safety
5.4/10
5.3/15
Internet
2.3/15
11.8/15
🗳️ Democracy
10.3/15
10/10
🗣️ English
4.7/10
7.7/10
☀️ Climate
7.9/10
7.1/10
📊 Stability
9.3/10
3.4/10
🚗 Road Safety
7.5/10
4.2/10
🕊️ Geopolitical Safety
5.9/10
Household
Honolulu
Metric
Panama City
$1133/mo
🛒
Living costs (no rent)
lower is better
$277/mo
$9066
🧳
Cost to land
lower is better
64 / 100
🛡️
Settler safety
higher is better
49 / 100
1.5 / 100k
🔒
Homicides
lower is better
12.5 / 100k
14.2 / 100k
🚗
Road deaths
lower is better
7.3 / 100k
53 / 100
🚨
Safety Index
higher is better
54 / 100
86°F
☀️
Summer high
personal taste
84°F
68°F
❄️
Winter low
personal taste
75°F
Internet speed
higher is better
31 Mbps
6.1 μg/m³
🌬️
Air quality (PM2.5)
lower is better
14 μg/m³
81 / 100
🏥
Healthcare
higher is better
68 / 100
7.8 / 10
🗳️
Democracy
higher is better
6.8 / 10
8.0 / 9
🤝
Migrant acceptance
higher is better
4.4 / 9
67 / 100
🏳️‍🌈
Rainbow Index
higher is better
25 / 100
100/100
🗣️
Street English
higher is better
32/100
$86k
💼
GDP per capita (PPP)
higher is better
$41k
2.9% · Boringly steady
📈
Inflation
lower is better
0.7% · Practically frozen
80/100
🗽
Freedom House
higher is better
See exactly what you keep after taxes in each city

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated April 2026

💰
Cost of Living
Panama City
$1,644/mo cheaper on rent alone
🔒
Safety
Honolulu
1.5 homicides per 100k
🗳️
Democracy
Honolulu
7.8/10 EIU index
📋
Residency
Panama City
PR in 0 years

Sun

How much sky you actually get

71% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
25% clear
Win
Spr
Sum
Fall
10.8h
Shortest day
Dec
11.6h
13.4h
Longest day
Jun
12.6h

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

stable
Democracy trend
improving
Inflation trend
declining
Easy
🇺🇸 Your visa
Easy
Moderate
EU visa
Easy
Suspended
RU visa
Easy
Moderate
UA visa
Easy
Spouse works
⚠️ Needs a separate work permit
Not recognized
Partner pathway
Retiree visa
$1,000/mo

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

On request
Abortion access
Life-threatening only
24 wk
Gestational limit

Long-standing statutory right, viability standard.

Permitted only to save the woman's life. Criminalized in all other circumstances.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal
Marriage
Not recognized
Joint adoption
Adoption
Not allowed
Yes
Job protection
No
Yes
Hate crime law
No

Honolulu vs Panama City — Common Questions

Is Honolulu cheaper than Panama City?

Panama City is cheaper. A 1-bedroom apartment in city centre costs around $1059/month there vs $2703/month in the other city (Numbeo data).

Which is safer, Honolulu or Panama City?

Honolulu is statistically safer based on UNODC homicide data. Honolulu has a rate of 1.50 per 100,000 and Panama City has 12.47 per 100,000.

Should I move to Honolulu or Panama City?

Honolulu and Panama City are almost suspiciously well-matched. Flip a coin. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in Honolulu or Panama City?

Honolulu: no specific remote work visa. Panama City: Panama Pensionado Visa (easy to get, Permanent (renewable every 2 years)). See each city's profile page for full requirements.

Can I live in Honolulu or Panama City without speaking the local language?

Honolulu is easier for street-level English (100/100) than Panama City (32/100). That's the score that matters for doctors, landlords, and bureaucracy. Office English can still run higher than street English in both cities.

What's the cost of rent in Honolulu vs Panama City?

A 1-bedroom in the centre: $1059/month in Panama City, $2703/month in Honolulu (Numbeo). That's 61% cheaper rent in Panama City.

Is Honolulu or Panama City better for democracy and rule of law?

Honolulu scores 7.8/10 on the EIU Democracy Index vs 6.8/10 for Panama City. Both are functional democracies, though the gap matters if you're planning to stay long enough to care about local politics.

Is healthcare better in Honolulu or Panama City?

Honolulu scores higher on our composite healthcare index (81/100 vs 68/100 for Panama City). That score combines clinical outcomes (IHME), universal coverage (WHO), and resident perception (Numbeo) — not just whether hospitals exist but whether the system actually works for settlers.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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