Overall
- Rochester
- 97.0
Diff -0.3 RPP
Panama City-Panama City Beach vs Rochester
Cost of living comparison based on BEA Regional Price Parities. Rochester is 0.3% less expensive than Panama City-Panama City Beach.
0.3% less expensive
Rochester, NY is 0.3% less expensive than Panama City-Panama City Beach, FL on BEA Regional Price Parities (overall RPP 97.0 vs 97.3). A $100,000 salary in Panama City-Panama City Beach buys about the same as $99,732 in Rochester; the largest component gap is services.
- Overall RPP 97.3 (Panama City-Panama City Beach) vs 97.0 (Rochester)
- $100k in Panama City-Panama City Beach ≈ $99,732 purchasing power in Rochester
- Services drives the gap (+45.1 RPP points)
RPP parity plate
Pair FL:NY 97.3→97.0
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE FL × NY
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
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.
Panama City-Panama City Beach
97.3
Cost Index
Rochester
97.0
Cost Index
What This Comparison Actually Tells You
Panama City-Panama City Beach, FL and Rochester, NY are a photo finish on overall price level, only 0.3 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Rochester is 45.1 points higher. But services and goods move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
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 $99,732 in Rochester, but it is not a personal spending weight.
Category Breakdown
Goods
- Rochester
- 99.7
Diff +3.5 RPP
Services
- Rochester
- 133.2
Diff +45.1 RPP
Rents
- Rochester
- 87.5
Diff -8.9 RPP
| Category | Panama City-Panama City Beach | Rochester | Difference |
|---|---|---|---|
| Overall | 97.3 | 97.0 | -0.3 |
| Goods | 96.2 | 99.7 | +3.5 |
| Services | 88.1 | 133.2 | +45.1 |
| Rents | 96.4 | 87.5 | -8.9 |
Visual Comparison
Overall
Panama City-Panama City Beach 97.3
Rochester 97.0
Goods
Panama City-Panama City Beach 96.2
Rochester 99.7
Services
Panama City-Panama City Beach 88.1
Rochester 133.2
Rents
Panama City-Panama City Beach 96.4
Rochester 87.5
Vertical line = national average (100)
Salary Equivalents
What a salary in Panama City-Panama City Beach would need to be in Rochester for the same purchasing power:
| In Panama City-Panama City Beach | In Rochester | Difference |
|---|---|---|
| $50,000 | $49,866 | $-134 |
| $75,000 | $74,799 | $-201 |
| $100,000 | $99,732 | $-268 |
| $150,000 | $149,598 | $-402 |
$ in Panama City-Panama City Beach = in Rochester
Same BEA Regional Price Parity ratio as the table above (97.3 → 97.0), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Rochester more expensive than Panama City-Panama City Beach?
Rochester is 0.3% less expensive than Panama City-Panama City Beach. The overall cost index is 97.0 vs 97.3 (national average = 100).
What salary in Rochester equals $100K in Panama City-Panama City Beach?
A $100,000 salary in Panama City-Panama City Beach has the same purchasing power as $99,732 in Rochester. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Panama City-Panama City Beach and Rochester?
Rents in Panama City-Panama City Beach are indexed at 96.4 while Rochester is at 87.5 (national average = 100). Panama City-Panama City Beach 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.