Last update: Oct 2026

Cost of Living Comparison Between Caldwell, TX and Montreal

For one person, living is cheaper in Montreal: $2,064 a month against $2,449 in Caldwell, TX, rent and utilities included – about $4,600 less a year. Higher rent and utilities in Caldwell, TX outweigh lower spending on other living expenses.

117

Cost of Living Index in Caldwell, TX
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Caldwell, TX Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Caldwell, TX

🇺🇸 United States

$2,449

/mo nomad

Montreal

🇨🇦 Canada

$2,064

/mo nomad

Monthly Cost of Living

How much you'll spend in Caldwell, TX and in Montreal

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

Monthly costs for one person with rent: $2,449 in Caldwell, TX versus $2,064 in Montreal.

Caldwell, TX $2,449
Montreal $2,064

Estimated couple costs with rent: $3,548 in Caldwell, TX versus $3,156 in Montreal.

Caldwell, TX $3,548
Montreal $3,156

Monthly costs for a family of three with rent: $4,647 in Caldwell, TX versus $4,247 in Montreal.

Caldwell, TX $4,647
Montreal $4,247

Living in Caldwell, TX is roughly 19% more expensive than in Montreal, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Caldwell, TX 80% above, Montreal 52% above.

Meal at Budget Restaurant

$14.88 $14.88

$18.98 CA$26.64

-21.60%

Three-Course Dinner for Two, Mid-Range

$60.4 $60.4

$73.0 CA$102

-17.24%

Fast Food Meal (McDonalds, etc)

$9.88 $9.88

$10.88 CA$15.27

-9.19%

Cappuccino

$3.97 $3.97

$3.81 CA$5.35

4.20%

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

$1.47 $1.47

$1.94 CA$2.72

-24.23%

Water (0.33 liter bottle)

$1.73 $1.73

$1.58 CA$2.22

9.49%

Local Beer (0.5 liter draught)

$5.13 $5.13

$6.37 CA$8.94

-19.47%

Imported Beer (0.33 liter bottle)

$6.05 $6.05

$7.26 CA$10.20

-16.67%

Milk (1 liter)

$0.77 $0.77

$2.23 CA$3.13

-65.47%

White Bread (500g)

$2.71 $2.71

$3.17 CA$4.45

-14.51%

Rice (white) (1kg)

$3.96 $3.96

$3.31 CA$4.64

19.64%

Eggs

$2.92 $2.92

$3.63 CA$5.09

-19.56%

Local Cheese (1kg)

$10.95 $10.95

$13.16 CA$18.47

-16.79%

Chicken Fillets (1kg)

$15.64 $15.64

$11.56 CA$16.22

35.29%

Beef Round Steak (1kg)

$24.53 $24.53

$13.71 CA$19.25

78.92%

Apples (1kg)

$4.39 $4.39

$3.29 CA$4.62

33.43%

Banana (1kg)

$1.77 $1.77

$1.46 CA$2.05

21.23%

Oranges (1kg)

$4.44 $4.44

$3.37 CA$4.73

31.75%

Tomato (1kg)

$2.66 $2.66

$3.15 CA$4.42

-15.56%

Potato (1kg)

$2.16 $2.16

$1.89 CA$2.65

14.29%

Onion (1kg)

$1.73 $1.73

$1.79 CA$2.52

-3.35%

Lettuce (1 head)

$2.05 $2.05

$2.47 CA$3.47

-17.00%

Water (1.5 liter bottle)

$1.98 $1.98

$1.58 CA$2.22

25.32%

Cigarettes 20 Pack (Marlboro, Camel)

$9.61 $9.61

$11.28 CA$15.84

-14.80%

Wine (Bottle)

$10.68 $10.68

$10.49 CA$14.73

1.81%

Local Beer (0.5 liter bottle)

$1.68 $1.68

$2.34 CA$3.28

-28.21%

Imported Beer (0.33 liter bottle)

$3.56 $3.56

$2.91 CA$4.09

22.34%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.61 CA$3.66

-24.90%

Public Transport Monthly Pass (Regular Price)

$51.0 $51.0

$79.1 CA$111

-35.51%

Taxi Start (Normal Tariff)

$3.33 $3.33

$3.26 CA$4.57

2.15%

Taxi (Normal Tariff) (1km)

$1.65 $1.65

$1.44 CA$2.02

14.58%

Taxi 1hour Waiting (Normal Tariff)

$26.34 $26.34

$33.43 CA$46.92

-21.21%

Gasoline (1 liter)

$0.94 $0.94

$1.33 CA$1.87

-29.32%

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

$26.5K $26.5K

$28.6K CA$40.2K

-7.50%

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

$25.4K $25.4K

$21.1K CA$29.6K

20.51%

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

$173 $173

$80.1 CA$112

116.35%

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

$25.30 $25.30

$34.30 CA$48.14

-26.24%

Internet (50+ Mbps, Unlimited Data)

$68.5 $68.5

$42.85 CA$60.1

59.81%

Gym Membership (Monthly)

$40.60 $40.60

$31.14 CA$43.71

30.38%

Tennis Court (1 Hour on Weekend)

$9.85 $9.85

$19.41 CA$27.24

-49.25%

Cinema Ticket

$14.96 $14.96

$11.23 CA$15.76

33.21%

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

$1,521 $1,521

$525 CA$737

189.68%

International Primary School, 1 Child (Yearly)

$24.7K $24.7K

$16.3K CA$22.9K

51.00%

Jeans (Levis 501 Or Similar)

$22.35 $22.35

$58.0 CA$81.4

-61.47%

Summer Dress (H&M, Zara, etc)

$56.1 $56.1

$38.11 CA$53.5

47.18%

Sport Shoes (Adidas, Nike)

$64.9 $64.9

$93.4 CA$131

-30.51%

Men's Leather Business Shoes

$96.4 $96.4

$110 CA$155

-12.55%

1-bedroom Apartment, City Center (Monthly)

$1,565 $1,565

$1,285 CA$1,803

21.78%

1-bedroom Apartment, Outside City Center (Monthly)

$1,297 $1,297

$977 CA$1,371

32.76%

3-bedroom Apartment, City Center (Monthly)

$2,531 $2,531

$2,271 CA$3,187

11.47%

3-bedroom Apartment, Outside City Center (Monthly)

$2,115 $2,115

$1,665 CA$2,336

27.04%

Buy Apartment in City Center (m2)

$2,784 $2,784

$5,139 CA$7,212

-45.83%

Buy Apartment Outside City Center (m2)

$2,330 $2,330

$3,834 CA$5,381

-39.23%

Average Monthly Net Salary (After Tax)

$1,333 $1,333

$3,002 CA$4,213

-55.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.48

47.77%

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

Last update for Caldwell, TX: October 25, 2026

Last update for Montreal: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Caldwell, TX

$1.3K 53%

Montreal

$977 47.3% 24.7% $320

Groceries & Markets

Caldwell, TX

$389 15.9%

Montreal

$351 17% 9.8% $38

Monthly Utilities & Internet

Caldwell, TX

$267 10.9%

Montreal

$157 7.6% 41.1% $110

Eating Out

Caldwell, TX

$247 10.1%

Montreal

$291 14.1% 17.8% $44

Clothing & Footwear

Caldwell, TX

$108 4.4%

Montreal

$135 6.5% 25% $27

Getting Around

Caldwell, TX

$70 2.9%

Montreal

$100 4.9% 42% $30

Sport & Entertainment

Caldwell, TX

$71 2.9%

Montreal

$54 2.6% 24% $17

Cost Breakdown

A one-bedroom apartment in the center runs $1,565 in Caldwell, TX and $1,285 in Montreal. Housing cost is often the main lever when comparing two cities.

Montreal pays about 2.3 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $60 in Caldwell, TX vs $73 in Montreal. Groceries flip the comparison at $389 vs $351, with Montreal cheaper for home cooking.

Good to know

🇺🇸 Caldwell, TX

🇨🇦 Montreal

🕒 Local time

13:36 1:36 PM

14:36 2:36 PM

1 h ahead of Caldwell, TX

🌤 Weather

👥 Population

59,996

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.898 EUR

1 CAD = 0.713 USD

1 CAD = 0.64 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 28, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

Canadian Dollar exchange rates as of October 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 EUR).

CAD to USD in detail →

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Between locations

Caldwell, TX Montreal 2,610 km ≈ 3 h 45 min nonstop flight

From you

Caldwell, TX
Montreal

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

Caldwell, TX vs Montreal: Cost of Living - Frequently Asked Questions

Montreal wins on cost – living expenses run 16% lower than in Caldwell, TX. Housing and daily spending are where you’ll feel the difference most, making Montreal the obvious pick if budget is a priority.

On paper, salaries run 56% lower in Caldwell, TX. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,565 in Caldwell, TX versus $1,285 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Caldwell, TX – a meal for two runs $60 versus $73 in Montreal. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,449 per month in Caldwell, TX versus $2,064 in Montreal – a 19% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Montreal 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.

Safety-wise, Caldwell, TX and Montreal are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.