Overall
- Bend
- 103.6
Diff +6.3 RPP
Panama City-Panama City Beach vs Bend
Cost of living comparison based on BEA Regional Price Parities. Bend is 6.5% more expensive than Panama City-Panama City Beach.
6.5% more expensive
Bend, OR is 6.5% more expensive than Panama City-Panama City Beach, FL on BEA Regional Price Parities (overall RPP 103.6 vs 97.3). A $100,000 salary in Panama City-Panama City Beach buys about the same as $106,486 in Bend; the largest component gap is services.
- Overall RPP 97.3 (Panama City-Panama City Beach) vs 103.6 (Bend)
- $100k in Panama City-Panama City Beach ≈ $106,486 purchasing power in Bend
- Services drives the gap (+16.9 RPP points)
RPP parity plate
Pair FL:OR 97.3→103.6
TIER-NEAR · CROSS-STATE · SERVICES-LED · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE FL × OR
- 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
Bend, OR is 6.5% more expensive than Panama City-Panama City Beach, FL, 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 Bend 16.9 points higher than Panama City-Panama City Beach. 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 Panama City-Panama City Beach to $106,486 in Bend, but it is not a personal spending weight.
How the Price Gap Changed
Panama City-Panama City Beach and Bend 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 | Panama City-Panama City Beach RPP | Bend RPP | Relative Gap |
|---|---|---|---|
| 2008 | 96.7 | 99.8 | 3.1 points Bend higher |
| 2012 | 96.8 | 95.8 | 1.1 points Panama City-Panama City Beach higher |
| 2016 | 95.2 | 99.0 | 3.8 points Bend higher |
| 2020 | 94.6 | 102.9 | 8.4 points Bend higher |
| 2024 | 97.3 | 103.6 | 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 | Panama City-Panama City Beach | Bend | Difference |
|---|---|---|---|
| Overall | 97.3 | 103.6 | +6.3 |
| Goods | 96.2 | 105.3 | +9.0 |
| Services | 88.1 | 105.0 | +16.9 |
| Rents | 96.4 | 110.0 | +13.5 |
Visual Comparison
Overall
Panama City-Panama City Beach 97.3
Bend 103.6
Goods
Panama City-Panama City Beach 96.2
Bend 105.3
Services
Panama City-Panama City Beach 88.1
Bend 105.0
Rents
Panama City-Panama City Beach 96.4
Bend 110.0
Vertical line = national average (100)
Salary Equivalents
What a salary in Panama City-Panama City Beach would need to be in Bend for the same purchasing power:
| In Panama City-Panama City Beach | In Bend | Difference |
|---|---|---|
| $50,000 | $53,243 | +$3,243 |
| $75,000 | $79,865 | +$4,865 |
| $100,000 | $106,486 | +$6,486 |
| $150,000 | $159,730 | +$9,730 |
$ in Panama City-Panama City Beach = in Bend
Same BEA Regional Price Parity ratio as the table above (97.3 → 103.6), computed live from your number, nothing is sent anywhere.
Panama City-Panama City Beach
97.3
Cost Index
Bend
103.6
Cost Index
Frequently Asked Questions
Is Bend more expensive than Panama City-Panama City Beach?
Bend is 6.5% more expensive than Panama City-Panama City Beach. The overall cost index is 103.6 vs 97.3 (national average = 100).
What salary in Bend equals $100K in Panama City-Panama City Beach?
A $100,000 salary in Panama City-Panama City Beach has the same purchasing power as $106,486 in Bend. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Panama City-Panama City Beach and Bend?
Rents in Panama City-Panama City Beach are indexed at 96.4 while Bend is at 110.0 (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.