2025 Compare Cities Cost of Living:
Fernandina Beach, FL vs Panama City, FL

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Highlights
Is it cheaper to live in Panama City or is it cheaper to live in Fernandina Beach?
- Panama City is 13.5% less expensive than Fernandina Beach.

Which city has more affordable housing, Panama City or Fernandina Beach?
- Panama City housing costs are 53.5% less expensive than Fernandina Beach housing costs.

Is Health Care more affordable in Fernandina Beach or is Health Care more affordable in Panama City.
- Health related expenses are 9.6% less in Panama City.
 Fernandina Beach, FLPanama City, FLUnited States
 Overall  Unlock95.4100
 Food & Groceries105.7  Unlock100
 Health  Unlock99.1100
 Housing150.6  Unlock100
 Median Home Cost  Unlock$252,800$338,100
 Utilities105  Unlock100
 Transportation  Unlock90.0100
 Miscellaneous102.9  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Fernandina Beach    8 Reviews

We traveled the entire east and west coasts of Florida and the entire east coast of Georgia. We LOVED St. Marys GA. but decided on Amelia Island... Mainly because AI has  More

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Over 5 years ago

There is no place in Florida like Amelia Island, Fernandina Beach. The beach is beautiful.. But, best of all are the people. Real Southern hospitality... Southern charm  More

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Over 11 years ago

Came back to Fernandina after a long hiatus. Fernandina has always been a magical place, but many things are getting better. The restaurant scene has improved  More

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Reviews for Panama City    20 Reviews

Over 3 years ago

I moved here from Akron, OH back in 2007 and was expecting a huge city (similar to Miami), nope, I was wrong. It ended up being more like a backwards redneck town more  More

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Over 4 years ago

If you love bars, trailers, isolation, and generic shopping while feeling depressed then this is the place for you. Panama City has alot of shallow people, most red  More

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This review is from a 24 year resident moved from Michigan. When I first moved, I missed the bigger city things like a university, large library, electronics stores, and  More

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