Cost of Living, Safety & Expat Guide (2026)
Colombia

Panama
Based on our comparison, Cartagena wins 5 out of 8 categories.Panama City wins 2 categories.
For digital nomads choosing between Cartagena and Panama City, the answer depends on your priorities. Here's our analysis:
Best for Budget
Cartagena
$1,410/mo
Best Internet
Panama City
120 Mbps
Best NomadIQ Score
Panama City
6.8/10
Our Recommendation: Choose Cartagena if budget is your top priority, or Panama City if you need the fastest internet for remote work.
When comparing Cartagena and Panama City for digital nomads, several factors come into play.
Cost of Living: Cartagena offers a more affordable lifestyle at $1,410/month compared to Panama City's $1,948/month.
Internet & Remote Work: Panama City provides faster connectivity at 120 Mbps compared to Cartagena's 85 Mbps.
Safety: With a safety score of 5.4/10, Panama City offers better security than Cartagena (4.8/10).
Overall: Both cities score similarly on our NomadIQ scale at 6.8/10.
Cartagena is 28% cheaper than Panama City.
Panama City has a higher safety score (5.4/10) compared to Cartagena (4.8/10).
4.8/10
Cartagena
5.4/10
Panama City
For remote workers, internet speed is crucial. Panama City offers faster internet at 120 Mbps vs 85 Mbps.
85 Mbps
Cartagena
120 Mbps
Panama City
Based on our analysis, Cartagena edges out as the better choice for expats, winning 5 of 8 comparison factors.
Cartagena: Best for budget-conscious expats
Panama City: Best for those prioritizing amenities
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