Last update: Oct 2026

Cost of Living Comparison Between Bemidji, MN and Toronto

For one person, living costs are similar in Bemidji, MN and in Toronto: $2,544 and $2,610 a month, rent and utilities included.

124

Cost of Living Index in Bemidji, MN
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Bemidji, MN Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Bemidji, MN

🇺🇸 United States

$2,544

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

How much you'll spend in Bemidji, MN 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 Bemidji, MN and in Toronto actually costs, broken down by who's living it.

A single person spends $2,544 per month in Bemidji, MN vs $2,610 in Toronto, rent included.

Bemidji, MN $2,544
Toronto $2,610

A couple spends around $3,762 per month in Bemidji, MN vs $3,727 in Toronto, rent included.

Bemidji, MN $3,762
Toronto $3,727

A family of three spends $4,979 per month in Bemidji, MN vs $4,844 in Toronto, rent included.

Bemidji, MN $4,979
Toronto $4,844

Bemidji, MN is about 3% cheaper than Toronto, and outside of rent the biggest gap is in transport.

Both Bemidji, MN and Toronto sit above the global median – Bemidji, MN by 88%, Toronto by 93%.

Meal at Budget Restaurant

$20.32 $20.32

$17.59 CA$24.87

15.52%

Three-Course Dinner for Two, Mid-Range

$74.4 $74.4

$78.8 CA$111

-5.60%

Fast Food Meal (McDonalds, etc)

$11.30 $11.30

$10.73 CA$15.16

5.31%

Cappuccino

$5.24 $5.24

$4.09 CA$5.78

28.12%

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

$2.61 $2.61

$2.10 CA$2.97

24.29%

Water (0.33 liter bottle)

$1.96 $1.96

$1.72 CA$2.43

13.95%

Local Beer (0.5 liter draught)

$6.05 $6.05

$6.36 CA$8.99

-4.87%

Imported Beer (0.33 liter bottle)

$7.36 $7.36

$7.08 CA$10.01

3.95%

Milk (1 liter)

$1.02 $1.02

$2.54 CA$3.59

-59.84%

White Bread (500g)

$3.48 $3.48

$2.72 CA$3.85

27.94%

Rice (white) (1kg)

$4.35 $4.35

$2.18 CA$3.09

99.54%

Eggs

$3.78 $3.78

$3.63 CA$5.13

4.13%

Local Cheese (1kg)

$11.71 $11.71

$9.46 CA$13.37

23.78%

Chicken Fillets (1kg)

$11.70 $11.70

$11.54 CA$16.32

1.39%

Beef Round Steak (1kg)

$17.03 $17.03

$14.37 CA$20.32

18.51%

Apples (1kg)

$5.53 $5.53

$3.70 CA$5.23

49.46%

Banana (1kg)

$1.41 $1.41

$1.19 CA$1.68

18.49%

Oranges (1kg)

$4.76 $4.76

$3.46 CA$4.90

37.57%

Tomato (1kg)

$4.94 $4.94

$4.22 CA$5.97

17.06%

Potato (1kg)

$2.69 $2.69

$1.79 CA$2.52

50.28%

Onion (1kg)

$2.79 $2.79

$1.65 CA$2.33

69.09%

Lettuce (1 head)

$2.25 $2.25

$2.20 CA$3.11

2.27%

Water (1.5 liter bottle)

$2.16 $2.16

$1.26 CA$1.78

71.43%

Cigarettes 20 Pack (Marlboro, Camel)

$11.26 $11.26

$13.97 CA$19.75

-19.40%

Wine (Bottle)

$14.72 $14.72

$14.20 CA$20.07

3.66%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.25 CA$3.18

-22.22%

Imported Beer (0.33 liter bottle)

$2.94 $2.94

$2.53 CA$3.58

16.21%

One-way Ticket (Public Transport)

$2.01 $2.01

$2.32 CA$3.28

-13.36%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$2.95 $2.95

$3.06 CA$4.33

-3.59%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$1.22 CA$1.72

51.64%

Taxi 1hour Waiting (Normal Tariff)

$29.75 $29.75

$21.69 CA$30.66

37.16%

Gasoline (1 liter)

$0.76 $0.76

$1.21 CA$1.72

-37.19%

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

$32.1K $32.1K

$26.1K CA$37.0K

22.73%

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

$24.9K $24.9K

$21.1K CA$29.9K

17.70%

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

$199 $199

$120 CA$169

66.54%

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

$60.8 $60.8

$32.21 CA$45.54

88.61%

Internet (50+ Mbps, Unlimited Data)

$68.8 $68.8

$48.88 CA$69.1

40.79%

Gym Membership (Monthly)

$42.30 $42.30

$39.34 CA$55.6

7.52%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.82 $12.82

$12.58 CA$17.79

1.91%

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

$1,426 $1,426

$832 CA$1,176

71.47%

International Primary School, 1 Child (Yearly)

$22.7K $22.7K

$23.6K CA$33.4K

-3.69%

Jeans (Levis 501 Or Similar)

$47.82 $47.82

$52.3 CA$73.9

-8.53%

Summer Dress (H&M, Zara, etc)

$39.77 $39.77

$39.44 CA$55.8

0.84%

Sport Shoes (Adidas, Nike)

$100 $100

$99.0 CA$140

1.47%

Men's Leather Business Shoes

$102 $102

$122 CA$172

-15.96%

1-bedroom Apartment, City Center (Monthly)

$1,625 $1,625

$1,631 CA$2,306

-0.38%

1-bedroom Apartment, Outside City Center (Monthly)

$1,279 $1,279

$1,448 CA$2,048

-11.67%

3-bedroom Apartment, City Center (Monthly)

$2,501 $2,501

$2,737 CA$3,869

-8.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,188 $2,188

$2,129 CA$3,010

2.76%

Buy Apartment in City Center (m2)

$2,772 $2,772

$8,206 CA$11.6K

-66.22%

Buy Apartment Outside City Center (m2)

$2,391 $2,391

$6,838 CA$9,666

-65.03%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

4.47

46.98%

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

Last update for Bemidji, MN: October 20, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Bemidji, MN

$1.3K 50.3%

Toronto

$1.4K 55.5% 13.2% $169

Groceries & Markets

Bemidji, MN

$395 15.5%

Toronto

$343 13.1% 13.1% $52

Monthly Utilities & Internet

Bemidji, MN

$329 12.9%

Toronto

$201 7.7% 39% $128

Eating Out

Bemidji, MN

$323 12.7%

Toronto

$283 10.9% 12.2% $39

Clothing & Footwear

Bemidji, MN

$131 5.1%

Toronto

$141 5.4% 7.6% $10

Sport & Entertainment

Bemidji, MN

$68 2.7%

Toronto

$65 2.5% 5% $3.4

Getting Around

Bemidji, MN

$20 * 0.8%

Toronto

$130 5% 543% $110

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

Cost Breakdown

A central one-bedroom costs $1,625 in Bemidji, MN versus $1,631 in Toronto. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $74.0 in Bemidji, MN versus $79.0 in Toronto. Groceries tell a different story – $395 in Bemidji, MN vs $343 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Bemidji, MN

🇨🇦 Toronto

🕒 Local time

13:29 1:29 PM

14:29 2:29 PM

1 h ahead of Bemidji, MN

🌤 Weather

👥 Population

13,431

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 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 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

On the map

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Between locations

Bemidji, MN Toronto 1,280 km ≈ 2 h nonstop flight

From you

Bemidji, MN
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

Bemidji, MN vs Toronto: Cost of Living - Frequently Asked Questions

Toronto costs about 3% more than Bemidji, MN, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,816 per month in Bemidji, MN and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Bemidji, MN, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $74.0 in Bemidji, MN and $79.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 15% cheaper in Toronto – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,000 is a stretch for both – monthly costs hit $2,544 in Bemidji, MN and $2,610 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Bemidji, MN – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Bemidji, MN. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.