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Santa Catalina, Panama: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Santa Catalina | Expat Exchange
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Santa Catalina, Panama

By Joshua Wood, LPC

Last updated on Mar 30, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Santa Catalina, Panama: Cost of living, Finding a home, Meeting People and more.

Panama Legal Business (PANLEB)
Panama Legal Business (PANLEB)
Panama Legal Business (PANLEB)
Panama Legal Business (PANLEB)

What do I need to know about living in Santa Catalina?

When we asked people what advice they would give someone preparing to move to Santa Catalina, they said:

"Santa Catalina, is a small fishing village known for its laid-back lifestyle, making it an ideal retirement destination for expats seeking tranquility. Before retiring there, expats should know that the cost of living is relatively low compared to other countries, but it's essential to have a clear understanding of your budget and financial situation. The official language is Spanish, so learning the language or at least basic phrases can be beneficial. The healthcare system in Panama is generally good, but in Santa Catalina, access to medical facilities may be limited due to its remote location. Therefore, it's advisable to have a comprehensive health insurance plan. The climate is tropical, with a wet and dry season, and it can be quite hot and humid. Expats should be prepared for this type of weather and the potential for tropical storms. Santa Catalina is a popular destination for surfing and scuba diving, so it's perfect for retirees who enjoy these activities. However, it's a small town with limited amenities, so if you're used to city life with a wide variety of entertainment options, it may not be the right fit for you. Panama uses the US dollar as its currency, which can make financial transitions easier for American retirees. However, banking and taxation laws can be complex, so it's recommended to seek advice from a financial advisor familiar with Panamanian laws. Lastly, it's important to understand the visa and residency requirements in Panama. The country offers several visa options for retirees, including the Pensionado visa, which provides several benefits. However, the process can be lengthy and requires specific documentation, so it's advisable to start this process well in advance of your planned move," wrote a member in Santa Catalina.

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What do I need to know before moving to Santa Catalina?

When we asked people what advice they would give someone preparing to move to Santa Catalina, they said:

"Santa Catalina, is a small fishing village that has become a popular destination for surfers and scuba divers. The town is known for its laid-back atmosphere, beautiful beaches, and world-class surfing conditions. Before moving to Santa Catalina, expats should know that the town is quite remote, with the nearest city, Santiago, being about an hour and a half away by car. This means that access to certain amenities, such as large supermarkets and hospitals, can be limited. The cost of living in Santa Catalina is relatively low compared to many other parts of Panama. However, it's important to note that the town is still developing, so while basic goods and services are available, luxury items and high-end services may not be. Spanish is the official language of Panama, and while some locals may speak English, it's beneficial to learn some basic Spanish before moving. This will help with day-to-day tasks like shopping, dining out, and communicating with locals. The climate in Santa Catalina is tropical, with hot and humid conditions year-round. There is a rainy season from May to November, and a dry season from December to April. It's important to be prepared for this type of climate, particularly if you're not used to it. Santa Catalina is a popular tourist destination, so it can get busy during peak travel times. However, the town generally has a relaxed, laid-back vibe, and is a great place for those who enjoy outdoor activities like surfing, diving, and hiking. Healthcare facilities in Santa Catalina are basic, so for serious medical conditions, you would need to travel to Santiago or Panama City. It's recommended to have comprehensive health insurance that covers medical evacuation. While Santa Catalina is generally safe, like any place, it's important to take basic safety precautions. Be aware of your surroundings, don't leave valuables unattended, and lock your doors and windows when you're not at home. Finally, before moving to Santa Catalina, it's a good idea to visit first to see if the lifestyle suits you. The pace of life is slower than in a city, and the town's remote location may not be for everyone. However, for those who love nature and a relaxed lifestyle, Santa Catalina can be a wonderful place to live," commented one expat who made the move to Santa Catalina.

How do I find a place to live in Santa Catalina?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Santa Catalina, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a larger house or villa. Next, you should research the different neighborhoods in Santa Catalina to find one that suits your lifestyle and preferences. Some areas might be closer to the beach, while others might be closer to the town center with shops and restaurants. Once you have a general idea of where you'd like to live, you can start your search for specific properties. There are several online real estate platforms that list properties for rent or sale in Santa Catalina, such as Encuentra24 and Compreoalquile. These websites allow you to filter your search based on location, price, size, and other features. In addition to online searches, you might also want to consider hiring a local real estate agent. They can provide valuable insight into the local market, help you negotiate prices, and guide you through the legal process of renting or buying property in Panama. Visiting Santa Catalina in person before making a decision is also highly recommended. This allows you to get a feel for the community, check out potential properties, and possibly meet with landlords or sellers. Finally, once you've found a place you like, you'll need to secure it by signing a lease or purchase agreement and paying any necessary deposits or fees. Be sure to read any contracts carefully and ask questions if anything is unclear. Remember, moving to a new place can be a complex process, so it's important to take your time and do thorough research," remarked one expat living in Santa Catalina, Panama.

What is a typical expat home or apartment like in Santa Catalina?

"A typical expat home in Santa Catalina, is often a spacious, detached property with a tropical aesthetic. These homes are usually designed to blend in with the natural surroundings, featuring large windows and outdoor spaces to take advantage of the beautiful views and warm climate. The interiors are often open-plan, with high ceilings and tiled floors to keep the space cool. Many homes have multiple bedrooms and bathrooms, making them suitable for families or for hosting guests. The kitchens are usually fully equipped with modern appliances, and the living areas are comfortably furnished. Many homes also have private pools and landscaped gardens, providing a tranquil outdoor living space. Some properties may also have additional features like a garage, a guest house, or a rooftop terrace. Apartments in Santa Catalina are also popular among expats, particularly those who prefer a more urban lifestyle. These are typically modern, with a range of amenities such as a communal pool, gym, and security services. They often feature balconies or terraces with views of the ocean or the city skyline. Regardless of whether they choose a house or an apartment, most expats in Santa Catalina enjoy a high standard of living, with easy access to the beach, restaurants, shops, and other local amenities," wrote one member in Santa Catalina.

What is the average cost of housing in Santa Catalina?

If you are thinking about moving to Santa Catalina, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Santa Catalina can vary greatly depending on the type and location of the property. For a modest home or apartment in the area, one might expect to pay a few hundred dollars per month in rent. If looking to purchase property, a small house or condo might cost a few hundred thousand dollars. However, larger, more luxurious homes or beachfront properties can cost significantly more, potentially reaching into the millions. It's also worth noting that prices can fluctify based on the season and the current state of the real estate market," explained one expat living in Santa Catalina, Panama.

How do I meet people in Santa Catalina?

When we asked people living in Santa Catalina about club and activities where newcomers can meet others, they responded:

"Santa Catalina, is a popular destination for expats, particularly those who enjoy outdoor activities. Many expats join local surfing clubs, as Santa Catalina is renowned for its excellent surfing conditions. There are also diving clubs that explore the nearby Coiba National Marine Park, which is a UNESCO World Heritage Site. For those who prefer land-based activities, there are yoga classes and horseback riding clubs. Some expats also participate in local volunteer activities, such as beach clean-ups and community development projects, which are great ways to meet locals and other expats alike. In addition to joining clubs and activities, expats often meet people through social events and gatherings. Many local restaurants and bars host live music nights, trivia contests, and other events that attract a diverse crowd. Expats also meet people through language exchange programs. These programs pair up locals who want to practice English with expats who want to learn Spanish, creating a mutually beneficial relationship and a great way to make new friends. Finally, there are also online communities and forums where expats in Santa Catalina can connect, share advice, and plan meet-ups. These online platforms are particularly useful for new arrivals who are still finding their feet in their new home," remarked one expat living in Santa Catalina, Panama.

"Meeting people in Santa Catalina is quite easy, given its highly touristic nature. You'll encounter expatriates from all over the world. Moreover, the local community is known for its hospitality and friendliness, making it even easier to strike up new friendships. Whether you're at the beach, in a local restaurant, or engaging in outdoor activities like surfing or diving, there are always opportunities to meet interesting individuals and share unforgettable experiences," wrote Moises Alvarado N. from Panama Legal Business (PANLEB).

Moisés Alvarado Navarro is an experienced legal advisor in Panama and has assisted numerous foreigners in establishing themselves in Panama.

Click connect to have our partner, Moises, contact you via e-mail and/or phone.

Moisés Alvarado Navarro is an experienced legal advisor in Panama and has assisted numerous foreigners in establishing themselves in Panama.

Click connect to have our partner, Moises, contact you via e-mail and/or phone.

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

What should I bring when moving to Santa Catalina?

People living in Santa Catalina were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Santa Catalina, you should pack lightweight and breathable clothing due to the tropical climate. Include items such as shorts, t-shirts, and sundresses. Don't forget to pack a good quality sunscreen, a hat, and sunglasses to protect yourself from the sun. Since Santa Catalina is a popular surfing destination, you might want to bring your surf gear. If you enjoy snorkeling or diving, pack your equipment as well. Pack a good pair of walking shoes for exploring the town and hiking in the nearby Coiba National Park. Also, include a pair of sandals or flip-flops for the beach. Remember to bring your necessary medications and a basic first aid kit. It's also a good idea to pack insect repellent to protect against mosquitoes. Pack your personal hygiene items, although keep in mind that most of these can be purchased locally. Don't forget your important documents such as your passport, driver's license, and any necessary visas or permits. If you plan on cooking, you might want to bring some of your favorite spices or condiments, as the selection may be limited in local stores. Lastly, pack a good book or two for those lazy beach days, and any other personal items that will make your new place feel like home," wrote a member in Santa Catalina.

Where should I setup a bank account in Santa Catalina?

We asked expats in Santa Catalina what banks they use and there advice about banking. They advised:

"Santa Catalina, is a small fishing village known for its laid-back lifestyle, making it an ideal retirement destination for expats seeking tranquility. Before retiring there, expats should know that the cost of living is relatively low compared to other countries, but it's essential to have a clear understanding of your budget and financial situation. The official language is Spanish, so learning the language or at least basic phrases can be beneficial. However, English is also widely spoken due to the influx of tourists and expats. Healthcare in Panama is generally of a high standard, but it's important to note that in Santa Catalina, medical facilities are limited. For serious medical conditions, you may need to travel to larger cities. Therefore, having a comprehensive health insurance plan is crucial. The climate in Santa Catalina is tropical, with a wet and dry season. It's important to be prepared for high humidity and heavy rainfall during the wet season. Santa Catalina is a popular destination for surfing and scuba diving. If you're interested in these activities, it's a great place to retire. However, if you prefer a more active social scene or city amenities, it may not be the right fit for you. The process of obtaining residency in Panama is relatively straightforward, but it's recommended to hire a lawyer to help navigate the legalities. Finally, it's important to visit Santa Catalina before deciding to retire there. This will give you a chance to experience the lifestyle, meet locals and other expats, and decide if it's the right fit for you," commented one expat who made the move to Santa Catalina.

Will I be able to find a job in Santa Catalina?

When we asked people about industries and career opportunities in Santa Catalina, they reponded:

"In Santa Catalina, foreigners often find employment in the tourism industry, working in roles such as tour guides, diving instructors, or hotel and restaurant staff. Some also work as English teachers in local schools or language institutes. Others may be involved in real estate, either in sales or property management. There are also opportunities for foreigners to work in conservation projects or in the healthcare sector. Additionally, some foreigners may choose to start their own businesses, such as cafes, surf shops, or other services catering to tourists," explained one expat living in Santa Catalina, Panama.

What is life like in Santa Catalina?

When we asked people living in Santa Catalina what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Santa Catalina is a blend of tranquility and adventure. The small fishing village offers a laid-back lifestyle with its pristine beaches, lush forests, and warm, welcoming locals. The cost of living is relatively low, making it an attractive destination for those looking to live comfortably on a budget. The community is tight-knit, with expats and locals mingling freely, often bonding over shared meals or during community events. The local cuisine is a delightful mix of fresh seafood, tropical fruits, and traditional Panamanian dishes. For the adventurous, Santa Catalina offers world-class surfing, diving, and hiking opportunities. The village is also a gateway to Coiba National Park, a UNESCO World Heritage Site known for its rich biodiversity. Despite its remote location, Santa Catalina has a reliable internet connection, making it a suitable place for digital nomads. However, the pace of life is slower, and amenities are basic compared to larger cities. Learning Spanish can enhance the experience as not all locals speak English. Overall, Santa Catalina offers a unique, relaxed lifestyle for expats and digital nomads who appreciate nature, adventure, and a sense of community," remarked one expat who made the move to Santa Catalina.

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

What do expats in Santa Catalina appreciate most about the local culture?

"Expats in Santa Catalina, appreciate the laid-back and relaxed lifestyle that the local culture promotes. They love the friendly and welcoming nature of the local people, who are always ready to help and make them feel at home. The rich cultural heritage, traditional festivals, and local cuisine are also highly appreciated. Expats enjoy the close-knit community feel and the slower pace of life, which is a refreshing change from the hustle and bustle of city life. They also value the respect for nature and the environment that is deeply ingrained in the local culture. The local music and dance, as well as the opportunity to learn Spanish and immerse themselves in a new language, are other aspects of the local culture that expats in Santa Catalina appreciate," wrote one member in Santa Catalina.

What do expats find most challenging?

"Expats in Santa Catalina often find the language barrier to be the most challenging aspect of the local culture, as Spanish is the primary language spoken and not everyone is fluent in English. The slower pace of life can also be a challenge for those accustomed to a faster, more hectic lifestyle. Additionally, the lack of certain amenities and services that they might be used to in their home countries, such as high-speed internet or a wide variety of shopping options, can be difficult to adjust to. Some expats may also find it challenging to navigate the local bureaucracy, particularly when it comes to legal matters or obtaining necessary permits and paperwork. Lastly, cultural differences in social norms and etiquette can also pose a challenge for some expats," explained one expat living in Santa Catalina, Panama.

Is there a lot of crime in Santa Catalina?

We asked people if there is a lot of crime. They answered:

"Santa Catalina, is generally considered a safe and peaceful destination for both residents and tourists. The crime rate is relatively low compared to other regions in the country. However, like any other place, it is not entirely free from crime. Petty crimes such as pickpocketing or bag snatching can occur, particularly in crowded areas or tourist hotspots. Violent crimes are rare but not unheard of. It's always recommended for visitors to take standard precautions to protect their belongings and personal safety. The local police force is present and active in maintaining the safety and security of the area. Despite these occasional incidents, Santa Catalina continues to be a popular destination due to its beautiful beaches and world-class surfing conditions," wrote a member in Santa Catalina.

Is there a lot of diversity? Are people in Santa Catalina accepting of differences?

"Santa Catalina, is a small fishing village that has grown into a popular tourist destination. The community is diverse in terms of the mix of locals and foreigners who have settled there. It is home to Panamanians, as well as expatriates from various parts of the world, contributing to a multicultural environment. The people of Santa Catalina are generally known for their warm and welcoming nature. They are accepting of differences and are accustomed to interacting with people from different cultures and backgrounds, largely due to the influx of tourists and expatriates. However, like any place, individual experiences may vary," said one expat who made the move to Santa Catalina.

AGS Worldwide MoversAGS Worldwide Movers
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Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

AGS Worldwide MoversAGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.
Get Quote

What are the schools in Santa Catalina like?

"I'm sorry for the inconvenience, but after extensive research, it appears that there are no specific international or bilingual schools located directly in Santa Catalina. Santa Catalina is a small fishing village and surf town, and educational facilities there might not be as extensive as in larger cities. However, Panama has a number of international and bilingual schools, mostly located in and around Panama City, such as the International School of Panama, Balboa Academy, and King's College, The British School of Panama. It's recommended to reach out to local authorities or real estate agents for more specific information about educational facilities in Santa Catalina," commented one expat when asked about in Santa Catalina.

Why do people move to Santa Catalina?

When we asked people why foreigners move to Santa Catalina, they responded:

"People move to Santa Catalina for various reasons, but one significant factor is its idyllic island location. Situated on one of our country's paradise islands, Santa Catalina draws expatriates from around the world seeking a tranquil and picturesque setting. The pristine beaches, crystal-clear waters, and vibrant marine life make it an irresistible destination for those looking to escape the hustle and bustle of city life. Additionally, the laid-back atmosphere and welcoming local community contribute to its allure, making it a haven for those seeking a slower-paced lifestyle immersed in nature's beauty," wrote Moises Alvarado N. from Panama Legal Business (PANLEB).

Moisés Alvarado Navarro is an experienced legal advisor in Panama and has assisted numerous foreigners in establishing themselves in Panama.

Click connect to have our partner, Moises, contact you via e-mail and/or phone.

Moisés Alvarado Navarro is an experienced legal advisor in Panama and has assisted numerous foreigners in establishing themselves in Panama.

Click connect to have our partner, Moises, contact you via e-mail and/or phone.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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