Retire in Las Tablas, Panama for $1,000 a Month

Located on Panama’s Pacific Coast, little Las Tablas is Panama at its best. This town of under 30,000 people lies on the Azuero Peninsula, a region renowned for everything from colorful Carnival celebrations to artisanal textiles, pottery, and leatherwork. Life in this region of Panama is good.

It is graced with more sunny days and less humidity than any other part of the country. And the cost of living is the lowest in Panama: Here, a couple can easily live on $1,000 a month, including rent, as expats Joyclyn and Armand Brodeur have found out.

Originally from St. Louis, the Brodeurs came to Las Tablas in August 2014 to test-drive their Panama retirement, so to speak. Armand, 66, and Joyclyn, 59, long yearned for a tropical, beach lifestyle. At the same time, they wanted to choose a place where it was possible to live on a social security check. “Las Tablas fits the bill,” they say, citing the excellent infrastructure and affordable healthcare.

The Brodeurs chose Las Tablas so they could live well, without sacrificing the good things in life. They were amazed at the local supermarket prices…55 cents for a beer and $4 for a bottle of wine. Says Armand, “I treat myself to Clan MacGregor scotch at $9 a bottle, about the same as up north. Bacon is about $4 a pound, but it costs even more in St. Louis.” Even so, they spend just $65 a week on groceries.

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With more money in their pockets, the Brodeurs have been able to fully immerse themselves into the local way of life.

Utilities are also extremely inexpensive. Their first power bill was around $20 (no air conditioning). “Our water is included in our rent, and trash pickup is $18 a year,” they say. Vonage internet phone service is $32 a month and allows for toll-free calls to the U.S. and other countries. Add to that another $30 to $40 a month for two cell phones (calls plus data) and $52 for bundled cable and internet.

The Brodeurs are most enthusiastic about the quality and affordability of the healthcare, however. Both have been to a local dentist and were impressed with the offices, equipment, and thorough manner. “She’s the best dentist I ever had,” says Joyclyn. “Armand went in for a broken tooth and paid just $15.”

“I thought I heard wrong,” he says. “She spent an hour and a half on me; it was like a minor surgery. And there was no pain. They are not stingy with the Novocain down here.”

With more money in their pockets and no shortage of time on their hands, the two have been able to fully immerse themselves into the local way of life. At a recent festival in rural Panama, Joyclyn and Armand had one of their first brushes with Panama’s colorful culture. “I saw a bull run, and it was fascinating,” says Joyclyn. There were oxcarts painted in bright primary colors, local boys in traditional garb, and girls in richly embroidered polleras—Panama’s much-admired national costume.

“They would pose and display their dresses,” she says. “It was the best party I had ever seen. I even danced with an older local man. The music was playing and he was twirling me around,” she says, smiling at the memory.

The people of Panama are another major plus for the Brodeurs. “The neighbors are very friendly and we are inundated regularly with gifts of wonderful Panamanian food,” says Armand.

When they’re not dancing and socializing, you can often find Armand and Joyclyn enjoying their home in Las Tablas. Says Armand, “The day starts with Panamanian coffee—usually on the front porch. We have a papaya tree in the backyard and have fresh papaya regularly for breakfast.” It’s a simple, effortless lifestyle… though the nearby beaches do make it sound a bit glamorous.

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Las Tablas is a far cry from Panama City—you’ll find no skyscrapers here!

In the Pedasí region, about 45 minutes away by car, are some of Panama’s most pristine stretches of sand. And the fishing is legendary. But the ocean-loving Brodeurs don’t have to go far to get their fix. The craggy shores of Uverito beach are mere minutes from the Las Tablas town square.

“Our anniversary was in December, and we spent it at Uverito,” say the Brodeurs. Christmas Day and New Year’s Day found them back again, enjoying the beach alongside many locals. “We lament to friends on Facebook about the grueling 11-minute drive to the beach,” Armand jokes.

Trips to Uverito aside, the Brodeurs do most of their traveling by foot, as many of the locals do. And all the walking has had an unintended effect. “We have dropped an incredible amount of weight,” says Armand. “And we’re not even eating as healthy as we ought to.” Joyclyn says walking is also the best way to get the lay of the land. “I know where to go for a lot of things now…and with the hot weather, we don’t eat as much. I’ve dropped a whole size,” she adds.

Las Tablas is a far cry from Panama City. You’ll find no skyscrapers here…in fact, structures more than two stories tall are rare. Condo living is more of an abstract concept here, as people tend to live in boxy, wide-terraced homes. In most cases, they are framed by greenery that runs right up to the road. Here and there is a casa de quincha, a country cottage made the old-fashioned, wattle-and-daub way, with clay and straw.

The town plaza is graced by a small, white, colonial church. Like most of Las Tablas, it is unassuming, though visitors who enter are met with the soft glow of the ornate gold altar, a relic from Panama’s earliest colonial days.

A short walk from the main plaza, the Brodeurs have rented a small home for $200 a month. They paid $600 for a slightly upscale apartment during their first month in Las Tablas. It was ready to move into and in a central location, so it worked while they were getting settled. Soon, however, they were ready to try a local-style home. They just did a bit of networking—and used the few words of Spanish they’ve learned since their arrival. It paid off. An expat introduced them to a local homeowner and the next thing they knew, they were signing a new rental agreement.

These days, the Brodeurs say they have many more friends— both Panamanian and expat—than they did “back up north.” Life is more social and more fun. As Las Tablas is at the nation’s center, they can travel anywhere with ease. They recently visited Panama City—it’s about four hours by car due east. The western province of Chiriquí is similarly close, so they’re planning a trip to the highland towns of Boquete and Volcán Barú in the near future.

Will the Brodeurs stay in Las Tablas? Who knows—they are still exploring the country, and they’re keeping an open mind. A few months into their “test drive,” however, they’re already quite certain that Panama is right for them. “I wanted access to the ocean, friendly people, and palms…and I got it all,” says Joyclyn. “It would not break our hearts to live in Las Tablas for the balance of our days,” says Armand.

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