Last update: Oct 2026

Cost of Living Comparison Between Albany, OR and Toronto

For one person, living is cheaper in Toronto: $2,530 a month against $2,910 in Albany, OR, rent and utilities included – about $4,600 less a year. Other living expenses account for most of the difference.

140

Cost of Living Index in Albany, OR
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Albany, OR Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Albany, OR

🇺🇸 United States

$2,910

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

How much you'll spend in Albany, OR and in Toronto

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Albany, OR and in Toronto actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,910 in Albany, OR versus $2,530 in Toronto.

Albany, OR $2,910
Toronto $2,530

Estimated couple costs with rent: $4,279 in Albany, OR versus $3,646 in Toronto.

Albany, OR $4,279
Toronto $3,646

Monthly costs for a family of three with rent: $5,647 in Albany, OR versus $4,761 in Toronto.

Albany, OR $5,647
Toronto $4,761

Living in Albany, OR is roughly 15% more expensive than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Albany, OR 117% above, Toronto 89% above.

Meal at Budget Restaurant

$25.39 $25.39

$17.67 CA$25.19

43.69%

Three-Course Dinner for Two, Mid-Range

$89.7 $89.7

$77.4 CA$110

15.86%

Fast Food Meal (McDonalds, etc)

$14.27 $14.27

$10.47 CA$14.93

36.29%

Cappuccino

$6.20 $6.20

$4.08 CA$5.81

51.96%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.58 $2.58

$2.12 CA$3.02

21.70%

Water (0.33 liter bottle)

$1.96 $1.96

$1.76 CA$2.51

11.36%

Local Beer (0.5 liter draught)

$7.85 $7.85

$6.17 CA$8.80

27.23%

Imported Beer (0.33 liter bottle)

$8.17 $8.17

$6.89 CA$9.82

18.58%

Milk (1 liter)

$0.98 $0.98

$2.43 CA$3.46

-59.67%

White Bread (500g)

$3.22 $3.22

$2.75 CA$3.92

17.09%

Rice (white) (1kg)

$2.05 $2.05

$2.23 CA$3.18

-8.07%

Eggs

$3.42 $3.42

$3.45 CA$4.91

-0.87%

Local Cheese (1kg)

$7.37 $7.37

$8.93 CA$12.73

-17.47%

Chicken Fillets (1kg)

$19.49 $19.49

$11.44 CA$16.31

70.37%

Beef Round Steak (1kg)

$29.43 $29.43

$14.61 CA$20.83

101.44%

Apples (1kg)

$6.63 $6.63

$3.75 CA$5.34

76.80%

Banana (1kg)

$2.09 $2.09

$1.15 CA$1.64

81.74%

Oranges (1kg)

$5.79 $5.79

$3.55 CA$5.06

63.10%

Tomato (1kg)

$8.54 $8.54

$4.28 CA$6.10

99.53%

Potato (1kg)

$2.89 $2.89

$1.85 CA$2.63

56.22%

Onion (1kg)

$2.32 $2.32

$1.67 CA$2.38

38.92%

Lettuce (1 head)

$3.25 $3.25

$2.22 CA$3.16

46.40%

Water (1.5 liter bottle)

$2.52 $2.52

$1.21 CA$1.72

108.26%

Cigarettes 20 Pack (Marlboro, Camel)

$11.21 $11.21

$13.88 CA$19.78

-19.24%

Wine (Bottle)

$14.80 $14.80

$14.25 CA$20.31

3.86%

Local Beer (0.5 liter bottle)

$3.37 $3.37

$2.20 CA$3.13

53.18%

Imported Beer (0.33 liter bottle)

$5.44 $5.44

$2.42 CA$3.45

124.79%

One-way Ticket (Public Transport)

$2.28 $2.28

$2.42 CA$3.44

-5.79%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$5.01 $5.01

$2.90 CA$4.13

72.76%

Taxi (Normal Tariff) (1km)

$1.90 $1.90

$1.26 CA$1.80

50.79%

Taxi 1hour Waiting (Normal Tariff)

$24.04 $24.04

$22.03 CA$31.40

9.12%

Gasoline (1 liter)

$1.29 $1.29

$1.22 CA$1.74

5.74%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$32.9K $32.9K

$27.6K CA$39.4K

19.06%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.7K $26.7K

$19.8K CA$28.3K

34.91%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$325 $325

$122 CA$174

166.50%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$63.6 $63.6

$32.03 CA$45.66

98.56%

Internet (50+ Mbps, Unlimited Data)

$67.6 $67.6

$47.92 CA$68.3

40.98%

Gym Membership (Monthly)

$41.99 $41.99

$38.90 CA$55.5

7.94%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

Cinema Ticket

$14.76 $14.76

$12.61 CA$17.97

17.05%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,695 $1,695

$834 CA$1,189

103.21%

International Primary School, 1 Child (Yearly)

$24.0K $24.0K

$23.3K CA$33.3K

2.92%

Jeans (Levis 501 Or Similar)

$65.6 $65.6

$52.6 CA$75.0

24.77%

Summer Dress (H&M, Zara, etc)

$41.42 $41.42

$40.26 CA$57.4

2.88%

Sport Shoes (Adidas, Nike)

$114 $114

$96.2 CA$137

18.59%

Men's Leather Business Shoes

$134 $134

$123 CA$175

8.84%

1-bedroom Apartment, City Center (Monthly)

$1,576 $1,576

$1,598 CA$2,278

-1.40%

1-bedroom Apartment, Outside City Center (Monthly)

$1,489 $1,489

$1,435 CA$2,045

3.78%

3-bedroom Apartment, City Center (Monthly)

$2,541 $2,541

$2,657 CA$3,787

-4.36%

3-bedroom Apartment, Outside City Center (Monthly)

$2,112 $2,112

$2,096 CA$2,988

0.76%

Buy Apartment in City Center (m2)

$3,046 $3,046

$8,033 CA$11.5K

-62.09%

Buy Apartment Outside City Center (m2)

$2,976 $2,976

$6,557 CA$9,347

-54.62%

Average Monthly Net Salary (After Tax)

$4,530 $4,530

$3,743 CA$5,335

21.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.35

4.47

42.06%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Albany, OR: October 5, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Albany, OR

$1.5K 48.2%

Toronto

$1.4K 55.4% 3.6% $54

Groceries & Markets

Albany, OR

$497 16.1%

Toronto

$340 13.1% 31.6% $157

Monthly Utilities & Internet

Albany, OR

$456 14.8%

Toronto

$202 7.8% 55.7% $254

Eating Out

Albany, OR

$394 12.8%

Toronto

$282 10.9% 28.5% $112

Clothing & Footwear

Albany, OR

$160 5.2%

Toronto

$140 5.4% 12.1% $19

Sport & Entertainment

Albany, OR

$72 2.3%

Toronto

$64 2.5% 10.3% $7.4

Getting Around

Albany, OR

$24 * 0.8%

Toronto

$130 5% 449% $106

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,576 in Albany, OR and $1,598 in Toronto. Housing cost is often the main lever when comparing two cities.

Albany, OR pays 21% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $90.0 in Albany, OR vs $77.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $497 vs $340 per month, with Toronto cheaper across the board.

Good to know

🇺🇸 Albany, OR

🇨🇦 Toronto

🕒 Local time

18:25 6:25 PM

21:25 9:25 PM

3 h ahead of Albany, OR

🌤 Weather

👥 Population

99,224

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

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Between locations

Albany, OR Toronto 3,450 km ≈ 4 h 45 min nonstop flight

From you

Albany, OR
Toronto

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Albany, OR vs Toronto: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 15% lower than in Albany, OR. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

Average pay runs 21% higher in Albany, OR, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,576 in Albany, OR versus $1,598 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 46% higher in Albany, OR. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,910 per month in Albany, OR versus $2,530 in Toronto – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Toronto gentler on the wallet – expenses run 15% less than in Albany, OR. Beyond cost, consider language, visa policies, and how big the international community is in each city.