Dovle Cincuentenario — Coco del Mar

Monthly cost

TrueCost of this project

Principal & interest

$1,236

Property tax

$42est.

Life & fire insurance

$133est.

Compare bank rates

PH fee

Add: PH fee

Bank handling

$9est.

The PH fee is not listed for this project and is left out of the total.

Property tax applies Law 66 of 2017 brackets to the price. A main home registered with the DGI is exempt to $120,000, then pays 0.5% to $700,000 and 0.7% above; other properties are exempt to $30,000, then pay 0.6% to $250,000, 0.8% to $500,000 and 1% above. The tax is charged on the registered value, and newer buildings may be exempt. Insurance assumes life cover of $0.50 per $1,000 of loan a month (Banistmo publishes $0.21 to $1.00 by age) and fire cover at Banistmo's $0.15 to $0.19 per $1,000 of value, with ITBMS. Bank handling is $8.56 a month, as Banco General and Banco Nacional charge. Closing costs assume 3% of the price; buyers typically pay 2% to 5% in cash purchases and 3% to 7% with a mortgage. Replace any figure with Edit payment.

*30-year average of published bank rates: 7.83% with FECI / 7.50% rate. Source: Banco General, Banistmo and Banco Nacional tariffs, checked September 13, 2026. Not a live feed, an offer or a pre-approval.

30-year average:

Averages of published starting rates, for information only. Disclosures.

Location

San Francisco

Purchase price

$221,000

Down payment (20%)

$44,200

• 

  30-year · Resale home

  Up to 30 years · Terms 2026-01 ↗

  Rate

  8.00%

  Payment

  $1,297/mo

  Get your quote
• 

  30-year · Non-preferential mortgage

  Term set by quote · Terms 2026-05 ↗

  Rate

  8.00%

  starting rate

  Payment

  $1,297/mo

  Get your quote

Compare banks based on your situation

These are starting rates from each bank's published tariff, not offers. Panama Property Guide has no partnership with these banks and is not paid to show them. Your rate, term and financing depend on the property, your income, residency and the bank's appraisal. Get your quote sends your scenario to this home's agent, who can help you contact the bank.

Rates checked by Panama Property Guide from each bank's published terms on September 13, 2026.

Property taxes

Estimated yearly tax at the asking price. The rate depends on how the home is registered.

As your main home

$505 – $1,230 a year

As a second home or rental

$1,146 – $2,248 a year

A new first home valued between $120,000 and $300,000 and registered as the owner's main residence pays no property tax for three years.

Ley 66 de 2017 brackets, applied progressively. Main home registered as Vivienda Principal or Patrimonio Familiar Tributario: 0% to $120,000, 0.5% to $700,000, 0.7% above. Any other property: 0% to $30,000, 0.6% to $250,000, 0.8% to $500,000, 1% above. The tax is charged on the registered cadastral value of land and building, which usually differs from the asking price, and some buildings keep construction exemptions under earlier laws. Ley 66 de 2017

Home values in San Francisco

Median asking price per m² of homes for sale in the area, from our monthly reading.

• Apartments

  $1,837 /m²

  72 asking prices in 62 buildings · October 2026

  This project's list prices average $4,899/m², 167% above the median.

• Houses

  $2,038 /m²

  9 asking prices · October 2026

See homes for sale in San FranciscoPrices in every area

Panama Property Guide's own reading of homes listed for sale, with each building counted once so one tower cannot set the figure. Asking prices are not sale prices, and the median says nothing about a particular home's condition, view or floor.

A score out of 10 from our proprietary algorithm. It weighs this project's list prices against other new developments nearby, its potential to gain value and its neighborhood.

New-development prices: median of 8 developer price lists in San Francisco, dated June 1, 2026 to September 29, 2026. List prices are not sale prices. Neighborhood and construction data © OpenStreetMap contributors, as of September 14, 2026. Distances are measured in a straight line from the approximate location of the project, and walking times are estimates. Licence

Rent and returns

Estimated for the lowest-priced unit, about 50 m² from $221,000, rented out furnished with no mortgage.

Estimated rent

$1,800/month

Gross yield

9.8%

Net yield

8%

$17,592 a year after costs

Worked out for the smallest unit at the lowest list price, paid in full today. Rent: what 4 comparable homes for rent in the same building ask, matched on bedrooms and size and seen up to October 27, 2026, assuming the home is let furnished, with one vacant month a year, less the PH fee and property tax at second-home rates, with rent starting at delivery. Developer list prices are not sale prices. An estimate, not a promise of returns.