Overall
- Bend
- 103.6
Diff -6.3 RPP
Bend vs Panama City-Panama City Beach
Cost of living comparison based on BEA Regional Price Parities. Panama City-Panama City Beach is 6.1% less expensive than Bend.
6.1% less expensive
Panama City-Panama City Beach, FL is 6.1% less expensive than Bend, OR on BEA Regional Price Parities (overall RPP 97.3 vs 103.6). A $100,000 salary in Bend buys about the same as $93,909 in Panama City-Panama City Beach; the largest component gap is services.
- Overall RPP 103.6 (Bend) vs 97.3 (Panama City-Panama City Beach)
- $100k in Bend ≈ $93,909 purchasing power in Panama City-Panama City Beach
- Services drives the gap (-16.9 RPP points)
RPP parity plate
Pair OR:FL 103.6→97.3
TIER-NEAR · CROSS-STATE · SERVICES-LED · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE OR × FL
- SERVICES-LED Services-led gap
- BENCH-CROSS Benchmark cross
- PP-SHIFT PP shift
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
What This Comparison Actually Tells You
Panama City-Panama City Beach, FL is 6.1% less expensive than Bend, OR, a meaningful but not extreme shift. The move decision turns on which budget category creates the 6.3-point overall gap.
This route crosses the national benchmark: Bend is above 100 while Panama City-Panama City Beach is below it. That makes the move a change of price regime, not merely a rank swap.
Services leads the difference, with Panama City-Panama City Beach 16.9 points lower than Bend. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Bend to $93,909 in Panama City-Panama City Beach, but it is not a personal spending weight.
How the Price Gap Changed
Bend and Panama City-Panama City Beach share 17 published annual releases from 2008 through 2024. Their overall gap widened, moving from 3.1 to 6.3 RPP points. Bend remained the higher-index metro in the latest release.
Services changed the most within this pair: its gap moved 38.6 points between the first and latest shared releases (21.7 to 16.9 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Bend RPP | Panama City-Panama City Beach RPP | Relative Gap |
|---|---|---|---|
| 2008 | 99.8 | 96.7 | 3.1 points Bend higher |
| 2012 | 95.8 | 96.8 | 1.1 points Panama City-Panama City Beach higher |
| 2016 | 99.0 | 95.2 | 3.8 points Bend higher |
| 2020 | 102.9 | 94.6 | 8.4 points Bend higher |
| 2024 | 103.6 | 97.3 | 6.3 points Bend higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Category Breakdown
Goods
- Bend
- 105.3
Diff -9.0 RPP
Services
- Bend
- 105.0
Diff -16.9 RPP
Rents
- Bend
- 110.0
Diff -13.5 RPP
| Category | Bend | Panama City-Panama City Beach | Difference |
|---|---|---|---|
| Overall | 103.6 | 97.3 | -6.3 |
| Goods | 105.3 | 96.2 | -9.0 |
| Services | 105.0 | 88.1 | -16.9 |
| Rents | 110.0 | 96.4 | -13.5 |
Visual Comparison
Overall
Bend 103.6
Panama City-Panama City Beach 97.3
Goods
Bend 105.3
Panama City-Panama City Beach 96.2
Services
Bend 105.0
Panama City-Panama City Beach 88.1
Rents
Bend 110.0
Panama City-Panama City Beach 96.4
Vertical line = national average (100)
Salary Equivalents
What a salary in Bend would need to be in Panama City-Panama City Beach for the same purchasing power:
| In Bend | In Panama City-Panama City Beach | Difference |
|---|---|---|
| $50,000 | $46,954 | $-3,046 |
| $75,000 | $70,432 | $-4,568 |
| $100,000 | $93,909 | $-6,091 |
| $150,000 | $140,863 | $-9,137 |
$ in Bend = in Panama City-Panama City Beach
Same BEA Regional Price Parity ratio as the table above (103.6 → 97.3), computed live from your number, nothing is sent anywhere.
Bend
103.6
Cost Index
Panama City-Panama City Beach
97.3
Cost Index
Frequently Asked Questions
Is Panama City-Panama City Beach more expensive than Bend?
Panama City-Panama City Beach is 6.1% less expensive than Bend. The overall cost index is 97.3 vs 103.6 (national average = 100).
What salary in Panama City-Panama City Beach equals $100K in Bend?
A $100,000 salary in Bend has the same purchasing power as $93,909 in Panama City-Panama City Beach. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Bend and Panama City-Panama City Beach?
Rents in Bend are indexed at 110.0 while Panama City-Panama City Beach is at 96.4 (national average = 100). Bend has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.