Panama City vs Minot leftover
You'd keep $1,028 more a month in Minot
$3,246/mo leftover in Minot vs $2,218 in Panama City after tax and rent ($1,028 more). +$12,336 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Panama City leftover
$2,218
a month after tax and rent
Minot leftover
$3,246
+$1,028 vs Panama City
Compare Panama City to another metro
Same paycheck. Try a different city next to Panama City.
Monthly gap
Panama City → Minot
$1,028
more / month in Minot
$3,246 in Minot · $2,218 in Panama City · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
+$1,028 / mo
| Per month | Panama City | Minot | Difference |
|---|---|---|---|
| Gross pay | $6,875 | $7,693 | +$818 |
| Income and payroll tax | $1,340 | $1,629 | +$290 |
| Take-home pay | $5,535 | $6,063 | +$528 |
| Rent | $1,328 | $1,010 | −$318 |
| Getting around | $587 | $544 | −$43 |
| Groceries | $387 | $348 | −$39 |
| Healthcare | $435 | $392 | −$43 |
| Utilities | $242 | $218 | −$24 |
| Everything else | $338 | $305 | −$33 |
| Left over | $2,218 | $3,246 | +$1,028 |
To break even in Minot, you'd need to earn
$74,500
Household gross, versus $82,500 today. That's the salary that leaves you exactly as much at the end of the month as Panama City does now.
The tax difference alone
−$570
A year, in state and local income tax. Effective rates: 19.5% in Panama City, 21.2% in Minot.
More about Minot
Panama City, FL in full
No state income tax, a median 2-bedroom asking rent of $1,581 and 229 sunny days; commutes average 26 minutes.
Minot, ND in full
State income tax topping out at 2.5%, a median 2-bedroom asking rent of $1,202 and 202 sunny days; commutes average 20 minutes.
The reverse move
Same two cities, but starting from Minot on Minot wages.
Minot → Panama City →Questions
Is the cost of living lower in Minot than Panama City?
A one-bedroom is about $1,328 in Panama City versus $1,010 in Minot. On a one-adult, one-bedroom household, leftover is about $1,028 a month higher in Minot. Change the job or household on the comparison to see your number.
Does Minot have state income tax?
Minot is in North Dakota, which taxes wage income.
What changes if you move from Panama City to Minot?
Take-home pay is recalculated under North Dakota tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Panama City and Minot moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.