Last update: Oct 2026

Cost of Living Comparison Between Bend, OR and Toronto

For one person, living is cheaper in Toronto: $2,561 a month against $3,109 in Bend, OR, rent and utilities included – about $6,600 less a year. Rent and utilities account for about half of the difference.

151

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

Cost of Living Index in Toronto
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Toronto Living Index

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Bend, OR

🇺🇸 United States

$3,109

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,109 in Bend, OR versus $2,561 in Toronto.

Bend, OR $3,109
Toronto $2,561

Estimated couple costs with rent: $4,348 in Bend, OR versus $3,694 in Toronto.

Bend, OR $4,348
Toronto $3,694

Monthly costs for a family of three with rent: $5,587 in Bend, OR versus $4,826 in Toronto.

Bend, OR $5,587
Toronto $4,826

Living in Bend, OR is roughly 21% more expensive than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Bend, OR 130% above, Toronto 90% above.

Meal at Budget Restaurant

$21.08 $21.08

$17.18 CA$24.29

22.70%

Three-Course Dinner for Two, Mid-Range

$88.9 $88.9

$76.0 CA$107

16.95%

Fast Food Meal (McDonalds, etc)

$10.19 $10.19

$10.54 CA$14.89

-3.32%

Cappuccino

$5.55 $5.55

$4.02 CA$5.68

38.06%

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

$2.53 $2.53

$2.12 CA$3.00

19.34%

Water (0.33 liter bottle)

$1.86 $1.86

$1.75 CA$2.48

6.29%

Local Beer (0.5 liter draught)

$6.67 $6.67

$6.24 CA$8.83

6.89%

Imported Beer (0.33 liter bottle)

$8.22 $8.22

$7.09 CA$10.02

15.94%

Milk (1 liter)

$1.16 $1.16

$2.44 CA$3.45

-52.46%

White Bread (500g)

$3.32 $3.32

$2.68 CA$3.78

23.88%

Rice (white) (1kg)

$4.51 $4.51

$2.24 CA$3.17

101.34%

Eggs

$3.58 $3.58

$3.56 CA$5.03

0.56%

Local Cheese (1kg)

$18.78 $18.78

$9.09 CA$12.85

106.60%

Chicken Fillets (1kg)

$10.97 $10.97

$11.33 CA$16.01

-3.18%

Beef Round Steak (1kg)

$26.28 $26.28

$14.53 CA$20.55

80.87%

Apples (1kg)

$6.10 $6.10

$3.62 CA$5.12

68.51%

Banana (1kg)

$1.64 $1.64

$1.21 CA$1.72

35.54%

Oranges (1kg)

$6.42 $6.42

$3.60 CA$5.09

78.33%

Tomato (1kg)

$5.31 $5.31

$4.21 CA$5.96

26.13%

Potato (1kg)

$1.88 $1.88

$1.79 CA$2.53

5.03%

Onion (1kg)

$3.29 $3.29

$1.59 CA$2.25

106.92%

Lettuce (1 head)

$2.78 $2.78

$2.27 CA$3.21

22.47%

Water (1.5 liter bottle)

$3.58 $3.58

$1.25 CA$1.77

186.40%

Cigarettes 20 Pack (Marlboro, Camel)

$11.10 $11.10

$13.82 CA$19.53

-19.68%

Wine (Bottle)

$15.80 $15.80

$14.27 CA$20.18

10.72%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.20 CA$3.10

-19.09%

Imported Beer (0.33 liter bottle)

$5.19 $5.19

$2.43 CA$3.44

113.58%

One-way Ticket (Public Transport)

$2.02 $2.02

$2.39 CA$3.38

-15.48%

Public Transport Monthly Pass (Regular Price)

$44.12 $44.12

$111 CA$157

-60.23%

Taxi Start (Normal Tariff)

$4.07 $4.07

$2.91 CA$4.12

39.86%

Taxi (Normal Tariff) (1km)

$2.53 $2.53

$1.20 CA$1.69

110.83%

Taxi 1hour Waiting (Normal Tariff)

$45.88 $45.88

$21.38 CA$30.23

114.59%

Gasoline (1 liter)

$1.29 $1.29

$1.21 CA$1.71

6.61%

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

$33.4K $33.4K

$28.2K CA$39.8K

18.51%

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

$23.1K $23.1K

$20.3K CA$28.6K

14.15%

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

$198 $198

$120 CA$170

64.53%

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

$78.3 $78.3

$32.26 CA$45.60

142.72%

Internet (50+ Mbps, Unlimited Data)

$87.4 $87.4

$47.93 CA$67.8

82.41%

Gym Membership (Monthly)

$49.35 $49.35

$38.48 CA$54.4

28.25%

Tennis Court (1 Hour on Weekend)

$40.68 $40.68

$22.96 CA$32.46

77.18%

Cinema Ticket

$14.52 $14.52

$12.38 CA$17.50

17.29%

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

$1,141 $1,141

$830 CA$1,173

37.51%

International Primary School, 1 Child (Yearly)

$32.3K $32.3K

$23.1K CA$32.6K

39.96%

Jeans (Levis 501 Or Similar)

$62.1 $62.1

$50.7 CA$71.7

22.50%

Summer Dress (H&M, Zara, etc)

$71.5 $71.5

$40.02 CA$56.6

78.64%

Sport Shoes (Adidas, Nike)

$91.3 $91.3

$98.0 CA$139

-6.77%

Men's Leather Business Shoes

$121 $121

$121 CA$171

0.07%

1-bedroom Apartment, City Center (Monthly)

$2,093 $2,093

$1,592 CA$2,251

31.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,632 $1,632

$1,410 CA$1,994

15.73%

3-bedroom Apartment, City Center (Monthly)

$3,676 $3,676

$2,670 CA$3,775

37.67%

3-bedroom Apartment, Outside City Center (Monthly)

$2,243 $2,243

$2,152 CA$3,042

4.26%

Buy Apartment in City Center (m2)

$7,164 $7,164

$7,945 CA$11.2K

-9.83%

Buy Apartment Outside City Center (m2)

$3,999 $3,999

$6,542 CA$9,249

-38.88%

Average Monthly Net Salary (After Tax)

$4,680 $4,680

$3,727 CA$5,269

25.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.78

4.47

51.68%

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

Last update for Bend, OR: October 12, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Bend, OR

$1.6K 52.5%

Toronto

$1.4K 55.1% 13.6% $222

Groceries & Markets

Bend, OR

$477 15.3%

Toronto

$340 13.3% 28.8% $137

Monthly Utilities & Internet

Bend, OR

$364 11.7%

Toronto

$201 7.8% 44.9% $163

Eating Out

Bend, OR

$333 10.7%

Toronto

$278 10.9% 16.5% $55

Clothing & Footwear

Bend, OR

$156 5%

Toronto

$139 5.4% 10.5% $16

Sport & Entertainment

Bend, OR

$78 2.5%

Toronto

$63 2.5% 19.3% $15

Getting Around

Bend, OR

$69 2.2%

Toronto

$129 5.1% 87.7% $60

Cost Breakdown

A one-bedroom apartment in the center runs $2,093 in Bend, OR and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Bend, OR pays 26% 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: $89.0 in Bend, OR vs $76.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $477 vs $340 per month, with Toronto cheaper across the board.

Good to know

🇺🇸 Bend, OR

🇨🇦 Toronto

🕒 Local time

02:23 2:23 AM

05:23 5:23 AM

3 h ahead of Bend, OR

🌤 Weather

👥 Population

111,823

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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 19, 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

Bend, OR Toronto 3,330 km ≈ 4 h 45 min nonstop flight

From you

Bend, 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

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

Bend, OR and Toronto differ by about 21% in total monthly costs ($3,109 vs $2,561 including rent). Toronto is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 26% higher in Bend, 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: $2,093 in Bend, OR versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Toronto runs roughly 151% less than in Bend, OR. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $1,141 in Bend, OR versus $830 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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 21% less than in Bend, OR. Beyond cost, consider language, visa policies, and how big the international community is in each city.