Panama City, Panama

"It's important to come down here to Panama on multiple due dilligence trips, to spend enough time down here in different areas, and different times of the year, to make sure you are going to enjoy the Country. Research online is important, and will help narrow down areas for you. However, no substitute for on the ground discovery. Work up your budget prior, based on your research, and determine what you can afford in retirement. This will help you determine areas/communities you can afford. Establish a good mail forwarding company, so you can receive Amazon, and your regular mail. Talk to insurance agents in advance to review insurance options. If you are looking to go Pensiado route, you can start this when you come down, if you are firm on Panama already. Prepare yourself for some family and friends thinking you are crazy, or making a big mistake. It's natural, and a lot of "sheeple" don't get it, thinking their legacy brand Country is better, and why would you move to a 3rd World Country! Crazy people still think Panama in this light, and then I explain we have more secure banking, Starlink down here, fiber optic internet in many of the newer areas, expanding rail system in the city, that is being built out towards the beach area. Start working on your Spanish/brushing up on it. Yes, many people speak English, however it is important to work on becoming part of the culture down here. You will be respected more by locals, by trying to speak their native language. Don't just move to where all the Expats are. I guess you can, but you are missing out on the experience of living in a new Country and spending time around locals," explained one expat living in Panama City, Panama.

"Before moving to Panama City, expats should research the cost of living and the availability of housing. It is also important to familiarize oneself with the local culture and customs, as well as the language. Additionally, expats should research the job market and the availability of healthcare services. It is also important to obtain the necessary visas and permits before moving to Panama City. Finally, expats should consider the safety of the city and the availability of transportation," said one expat in Panama City.

"The best thing I can say about my apt. is that I know where my leaks are. 7 or 8 months of rainy season - sunny mornings, you get out, do your errands early, then afternoon showers. It took me two years to know that Windex kills ants. Silicone seal around EVERYthing. Neighborhood - we got lucky. We chose the apt., and were clueless about the neighborhood, except the info the broker was pushing," said one expat who made the move to Panama City.

"Originally the view was unobstructed. But immediately around our apt. are schools, Atlapa, a large supermarket, a police station, community pool...things that will not get bought out and have a highrise pop up," wrote one member in Panama City.

"You will find that Albrook is much nicer than Panama City, but close enough to the City for recreation and business. After almost 30 years in Panama, I chose Albrook for my place to live about 14 years ago. It is not included in any of the relocation tours, although it should be in my opinion. If you are interested in finding out about Albrook, please send me a private message. I also have a very nice room for rent in my house and can send you info on that also if you are interested," remarked one expat who made the move to Panama City.

"One of the best ways to find a place to live in Panama City is to use online resources such as websites like Encuentra24.com, PanamaRealEstate.com, and PanamaLiving.com. These websites offer a variety of listings for apartments, houses, and condos in Panama City. Additionally, you can also search for rental properties on popular real estate websites such as Zillow and Trulia. Additionally, you can also contact a local real estate agent or property management company to help you find a place to live in Panama City," explained one expat living in Panama City, Panama.

"Right now, my room is comparable in size to a prison cell, but it's clean, there is WiFi, a TV,a desk, a small fridge, and my own bathroom. (Only window is in the bathroom!) Oh, and a bed! A communal kitchen/lounge is available when wanted. Last night was as noisy as all get-out. Hope it won't be a regular thing-earplugs, perhaps. This area is VERY popular with expats; fortunately I know a few of them, so I have someone to advise and direct me, if I need help," remarked one expat living in Panama City, Panama.

"Depends which part of Panama City you live. We chose to buy a new high rise Condo, 100 meters = 1076 sq ft. Plenty of space for 2 bedroom and 2.5 bath. We always dreamed of living in a high-rise condo in the US when we downsized, and this place does not disappoint! 24/7 Front Desk Security. They deliver my mail to my door. High end Gym, Pool, Jacuzzi, Game Room, Paddle Ball, Social area, wine lockers, parking garage, storage locker(I bought it, but it was like $6,500 only). Walking distance to shops. And fiber optic internet. Spanish helps and working on it. Although, just try most locals know a little Spanish. And many of the Expats are from other Latin American Countries, and many of them speak English fine," wrote one member in Panama City.

"Expat homes and apartments in Panama City are typically modern and luxurious. Many of them feature high-end appliances, marble countertops, and spacious balconies with stunning views of the city. Expats can also find homes and apartments with amenities such as swimming pools, gyms, and private gardens. Many of these homes and apartments are located in secure gated communities, providing a safe and comfortable environment for expats to live in," remarked one expat who made the move to Panama City.

"Electricity more, especially when fuel prices soar. Cable is same. No ppty taxes, but now have $400 a month maintenance in the bldg, which includes water, garbage, common area items. When I look at check registers from California, I'm reminded that we paid a monthly (smaller) fee, but paid for garbage removal, gardener for back yard, all utilities, cable, phone. Here I can live with a cell phone only," wrote a member in Panama City.

"Panama prices are still low but not like advertised by different websites. The retirement (jubilado) discount is interesting but not fully discounted as advertised, it's not 25% on the total electric bill, it's 25% of the of a portion of the electricity used so far away from 25% of total bill. Hotels are discounted by 25% but from their highest price so if a hotel is showing a special price of $100/night, you won't get 25% off $100, you will get 25% of their regular price that maybe around $150 so you better use their special rare and not applying your jubilado discount. For restaurants, the 25% discount worth it but it's not 25% off the total bill, it's 15 to 25% on portion of the bill but still worth it. Condo/house purchase or rental are cheaper. Food is not cheaper then the USA and even higher so if you buy locally food, you will save but limited on your choice. If you buy some food products from the USA, you will pay full price....higher then the USA. Panama is hot and Humid besides if you live in the mountains but there are negative aspects to it. My wife and I live in Panama and we like it so this message is not to sugar coat Panama but to be realistic. We like Panama, people are very friendly with no crazy politic discussions. You don't hear about shooting here and there on daily basis, it is safe and quiet place. They use the US currency, it's not to far away from the USA so it's interesting," commented one expat who made the move to Panama City.

"Actually, they are comparable! I came here from living in Phoenix for the last year. Had to be very fiscally conservative there-just another victim of the economic debacle-and so I am prepared to continue this ecomically challenged life-style. It is what it is! Panama offers such an amazing variety of natural riches,that I feel quite wealthy! And grateful for this opportunity to live a different kind of life and blessed to be here," remarked one expat living in Panama City, Panama.

"Expats in Panama City often join clubs and activities such as golf, tennis, sailing, and hiking. Expats can also join local language classes, book clubs, and cooking classes. Additionally, many expats join local churches, volunteer organizations, and business networking groups. Expats can also meet people by attending local events such as festivals, concerts, and art shows. Additionally, many expats make friends by exploring the city's restaurants, bars, and cafes," remarked one expat living in Panama City, Panama.

"Brought: books, DVDs, no printers or fax machines. Wish I had left at home: a HOME. Not having one Stateside means mail forwarding only, not having a state to claim residence in for Medicare, voting, getting mail delivered, and perhaps a relative sift through the mail and scan me only important papers. Don't bring wood furniture - the tropics call for their own woods. NO metal anything - file cabinets, etc. And don't store in highrise depositos - they're greasey and dirty. Tape any boxes on all seams so the contents stay clean," remarked one expat living in Panama City, Panama.

"I arrived 4 days ago, and so far, I don't wish for anything more, nor anything less. I've brought clothing and essentials and that's all," wrote one member in Panama City.

"When moving to Panama City, it is important to pack items that will help you adjust to the climate and culture. Pack lightweight, breathable clothing that is suitable for the tropical climate. Bring comfortable shoes for walking and exploring the city. Sunscreen and a hat are also essential for protecting yourself from the sun. Additionally, it is important to bring any necessary medications and toiletries. Don't forget to bring a few items that will help you feel at home, such as photos, books, and music. Finally, make sure to bring a valid passport and any other important documents," remarked one expat who made the move to Panama City.

"Before retiring in Panama City, expats should research the cost of living and the availability of healthcare services. It is also important to understand the local laws and regulations, as well as the cultural norms and expectations. Additionally, expats should familiarize themselves with the local language, as English is not widely spoken in Panama City. Finally, expats should consider the climate and the type of housing available in the city," remarked one expat living in Panama City, Panama.

"Yes, I also found a credit union that offers very attractive interest rates on their certificate of deposits / ranging from 4.5% to 8.5%," wrote one member in Panama City.

"Foreigners often work in Panama City in a variety of industries, including hospitality, tourism, finance, and construction. Many foreigners also work in the service industry, such as restaurants, hotels, and retail stores. Additionally, there are many opportunities for foreigners to work in the IT sector, as well as in the medical and educational fields," commented one expat who made the move to Panama City.

"Service oriented and light manufacturing with associated career opportunities. Most new job opportunities are filled through friendship associations rather that the social media. While published job opportunities exist, the final selection for the positions are usually among recommended applicants Mass openings soon become filled with known applicants," remarked one expat living in Panama City, Panama.

"Priorities start with family, extended family, family friends, other friends, socializing, sports, all other non-work related activities, and finally: work," remarked one expat who made the move to Panama City.

"Life for expats and digital nomads in Panama City is generally quite pleasant. The city is a vibrant and modern metropolis with plenty of amenities and activities to keep expats and digital nomads entertained. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. The city is also home to a diverse population, with many expats and digital nomads from all over the world. The city is also well-connected, with a reliable public transportation system and easy access to the rest of the country. Overall, Panama City is an excellent destination for expats and digital nomads looking for a vibrant and affordable place to live," explained one expat living in Panama City, Panama.

"Very friendly people here at restaurants, stores, banks, public offices......they will always help you and are very welcoming," explained one expat living in Panama City, Panama.

"Expats in Panama City appreciate the friendly and welcoming nature of the local people. They also enjoy the vibrant culture, with its colorful festivals, lively music, and delicious cuisine. The city's diverse population, with its mix of Latin American, Caribbean, and European influences, adds to the unique atmosphere. Expats also appreciate the city's excellent infrastructure, with its modern transportation system and reliable utilities. Finally, the city's tropical climate and stunning natural beauty make it a great place to live," said one expat in Panama City.

"The value of others and enjoying/appreciating THIS MOMENT and who you are with rather than things and envy of others," said one expat who made the move to Panama City.

"For me it has been difficult to learn the language at my age. I try, I make my mistakes, but I am determined and so amazed at what is possible when you want something bad enough. To not learn the language is to miss out on so much," wrote one member in Panama City.

"Expats in Panama City often find the language barrier to be one of the most challenging aspects of the local culture. Additionally, the city's hot and humid climate can be difficult to adjust to. Expats may also find it difficult to navigate the city's complex bureaucracy and to understand the local customs and traditions. Furthermore, the cost of living in Panama City can be high, making it difficult for expats to find affordable housing and other necessities," remarked one expat who made the move to Panama City.

"Panama City is generally considered to be a safe city, however, like any large city, there is some crime. Petty theft, such as pickpocketing and purse snatching, is the most common type of crime. Violent crime is not as common, but it does occur. It is important to be aware of your surroundings and take precautions to protect yourself and your belongings," said one expat in Panama City.

"Predominantly non practicing Catholics, multi/mixed racial component, with distinctly cultural diversity, but easily assimilating into a common citizen," commented one expat who made the move to Panama City.

"Yes, Panama City is a very diverse city. It is home to people from all over the world, including many Latin American countries, the United States, Europe, and Asia. People in Panama City are generally accepting of differences and are welcoming to people from all backgrounds. The city is known for its vibrant culture and its diverse population," remarked one expat living in Panama City, Panama.

"The International School of Panama (ISP) is one of the best international schools in Panama City. Located in the heart of the city, ISP offers a comprehensive education program for students from Pre-Kindergarten to Grade 12. The school follows an American-style curriculum and is accredited by the Southern Association of Colleges and Schools (SACS). ISP also offers a variety of extracurricular activities, including sports, music, and art. The Oxford International School is another excellent international school in Panama City. This school offers a British-style curriculum and is accredited by the Council of International Schools (CIS). Oxford International School also offers a wide range of extracurricular activities, such as sports, music, and art. The Balboa Academy is a bilingual school in Panama City that offers a comprehensive education program for students from Pre-Kindergarten to Grade 12. The school follows an American-style curriculum and is accredited by the Southern Association of Colleges and Schools (SACS). Balboa Academy also offers a variety of extracurricular activities, such as sports, music, and art. The International School of Panama City (ISPC) is another excellent bilingual school in Panama City. This school offers a comprehensive education program for students from Pre-Kindergarten to Grade 12. The school follows an American-style curriculum and is accredited by the Southern Association of Colleges and Schools (SACS). ISPC also offers a variety of extracurricular activities, such as sports, music, and art," commented one expat when asked about in Panama City.

"I would look into it if you want a Christian school OR a school that is high in moral teaching. Many of the parents and students are not Christian so it is not forced upon the students/families. Great school that I am very pleased with," remarked one expat living in Panama City with children attending Crossroads Christian Academy.

"Expats and digital nomads in Panama City enjoy the city's vibrant culture, diverse cuisine, and friendly locals. They also appreciate the low cost of living, the warm climate, and the easy access to the rest of Central America. On the downside, some expats and digital nomads find the city to be overcrowded and polluted, and the infrastructure can be unreliable. Additionally, the language barrier can be a challenge for those who don't speak Spanish," commented one expat living in Panama City, Panama.

"There are many cultural differences that need to be considered. No one gets to claim what "right" is and so an adjustment of perspective is a must. Also, language acquisition can play a huge role in social adjustment ," remarked one expat in Panama City.

"Expats, retirees and digital nomads living in Panama City typically have an active social life. There are many opportunities to meet people from all over the world, as well as locals, through various activities such as language exchanges, meet-ups, and social events. Expats often join clubs and organizations that cater to their interests, such as sports, music, and art. There are also plenty of bars, restaurants, and cafes to explore, providing a great opportunity to socialize and make new friends," wrote one expat living in Panama City.

"Panama City is a vibrant and exciting city with a lively social scene. There are plenty of bars, clubs, and restaurants to explore, as well as a variety of cultural activities and events. The city is also home to a diverse population, so there are plenty of opportunities to meet people from all walks of life. Whether you're looking for a night out on the town or a more relaxed evening, Panama City has something for everyone," said one expat.

"Panama calls itself "the crossroads of the world" for a reason: many nationalities live here. This is very enriching, and is one of the reasons we chose to live in Panama. Those who stick to only citizens of their homeland (what the Forums usually mean by expats) are really missing out. Right now I don't have any friends who are US or Canadian citizens. Nevertheless about 70% of my friends are expats from other parts of the world," commented one expat living in Panama City, Panama.

"When looking for housing in Panama City, it is important to research the area thoroughly and make sure it is safe and secure. It is also important to consider the cost of living in the area, as well as the availability of amenities such as grocery stores, restaurants, and public transportation. Additionally, it is important to be aware of the local laws and regulations regarding renting and leasing, as well as any additional fees or taxes that may be associated with renting or leasing. Finally, it is important to be aware of the local culture and customs, as this can help to ensure a smooth transition into the new home," commented one expat living in Panama City, Panama.

"Housing in Panama City costs about the same as rentals in my home town of Montreal, but with twice the space and better amenities," remarked one expat living in Panama City.

"Health care in Panama exemplifies that of a small, developing country. The public system is very hit-or-miss, ranging from bad to terrible. The private system is adequate, but expensive for those coming from countries with universal health care systems," commented one expat who moved to Panama City.

"Panama City offers a wide range of medical services, including both public and private hospitals and clinics. The public hospitals are generally well-equipped and staffed with experienced medical professionals, while the private hospitals offer more specialized services and treatments. In addition, there are a number of pharmacies and medical supply stores located throughout the city. Many of the larger hospitals also offer emergency services, and there are a number of medical centers that specialize in specific areas of medicine. The city also has a number of medical tourism options, with many international patients coming to Panama City for medical treatments," said one expat.

"Health care is excellent, in private hospitals, with excellent doctors, specialists, surgeons, nurses, etc....and price are cheaper than the USA. A Healthcare plan here (we are with Cigna but there are many other companies to choose from) covers us, my wife and I, in Panama and worldwide for a fraction of USA health plan cost so Healthcare is very affordable in Panama," mentioned one expat inPanama City.

"We compared 5 different plans on pricing, deductible, co-pay. Out-of-pocket, coverage, network doctors, specialist and hospital and the more advantageous plan was Cigna International for a worldwide coverage except USA (you can include the USA but like all the other plans, you will pay more). We had a bad experience with Blue Cross Blue Shield Panama with months of waiting for payments that was less than expected since complicated contract was difficult to understand. We are now with Cigna International and we pay just a little bit more per month than BCBS but claim refunds takes about one to two weeks with no questions asked besides sending your doctors bills, pharmacy bills, hospital bills, etc using their App. ," commented one expat who moved to Panama City, Panama.

"Healthcare and health insurance in Panama City can be expensive, depending on the type of coverage and services needed. Private health insurance plans are available, but they can be costly and may not cover all medical expenses. Public health insurance is also available, but it may not cover all medical expenses either. In general, healthcare costs in Panama City are higher than in other parts of the country, but they are still relatively affordable compared to other countries," remarked one expat living in Panama City.

"The cost of living in Panama City is generally considered to be quite affordable. Rental prices for a nice 1 bedroom apartment in Panama City, Panama range from around $500 to $1,000 USD per month, while a nice 2 bedroom apartment can range from around $700 to $1,500 USD per month. Eating dinner at a moderately priced restaurant in Panama City, Panama can cost around $15 to $20 USD per person," said one expat living in Panama City.

"Cost of living depend on what you buy at the grocery store. If you buy locally, it is cheaper but very limited products so you need to buy grocery products from the USA that are much more expensive here than in the USA. Again, it depends on how you feed yourself, we eat healthy with product variety that are missing locally. Pricesmart (same as Costco) is a good choice to buy at lower price. Buying other type of products (TV, computer, furniture, etc) is expensive in Panama as it's always full price (full MSRP) and rarely on sale. If you can find your product at Pricesmart, it will be your best place to buy as they have the lowest price. ," mentioned one expat inPanama City.

"In order to visit Panama City, visitors must obtain a visa prior to their arrival. The process of applying for a visa involves submitting an application form, a valid passport, a passport-sized photograph, and a fee. Depending on the type of visa, additional documents may be required. In order to obtain residency in Panama City, Panama, applicants must submit an application form, a valid passport, a passport-sized photograph, a police record, a medical certificate, and a fee. Depending on the type of residency, additional documents may be required. Once the application is approved, the applicant will receive a residency card, which must be renewed every two years," said an expat in Panama City.

"If you are thinking about coming to Panama, I suggest you consider staying in Albrook (in the former Canal Zone) which is close to Panama City but provides a refreshingly different environment away from the hustle and bustle of the city. The entire community was built by the Americans so you have reliable American infrastructure (underground utilities, sewer system, copper plumbing in the houses, reliable electricity, lightning protection, the best drinking water in all of Panama, and clean air (close to the ocean and no incinerators). Albrook touches up against the jungle in many parts. The Americans prohibited killing the animals so there is lots of wildlife here. I run an Airbnb here and also rent out rooms directly. Many of my guests use my home as a base for further explorations throughout Panama as they decide where they want to settle down. Some, like me, have decided to stay in Albrook. Albrook is a quiet, safe neighborhood, away from the noise and hustle and bustle of the City. You will see people walking and jogging every morning and evening. We are within walking distance of ~15 places to eat ranging from food trucks, to bars, to restaurants. Here are my Airbnb links: A Special Tropical Home Upstairs Guest Bedroom w/Balcony, Downstairs Guest Bedroom and Master Bedroom," mentioned one expat inPanama City.

"Panama City offers expats a unique blend of modern amenities and traditional Latin American culture. The city is known for its vibrant nightlife, diverse cuisine, and stunning beaches. The cost of living is relatively low compared to other cities in the region, making it an attractive option for expats looking to stretch their budget. Additionally, the city is home to a large expat community, providing a great opportunity to meet new people and make friends. With its tropical climate, Panama City is also a great place to enjoy outdoor activities year-round," commented one expat who moved to Panama City, Panama.