Last update: Oct 2026

Cost of Living Comparison Between Caldwell, TX and Toronto

For one person, living is cheaper in Caldwell, TX: $2,449 a month against $2,589 in Toronto, rent and utilities included – about $1,700 less a year. Rent and utilities account for about half of the difference.

117

Cost of Living Index in Caldwell, TX
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Caldwell, TX Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Caldwell, TX

🇺🇸 United States

$2,449

/mo nomad

Toronto

🇨🇦 Canada

$2,589

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,449 in Caldwell, TX versus $2,589 in Toronto.

Caldwell, TX $2,449
Toronto $2,589

Estimated couple costs with rent: $3,548 in Caldwell, TX versus $3,710 in Toronto.

Caldwell, TX $3,548
Toronto $3,710

Monthly costs for a family of three with rent: $4,647 in Caldwell, TX versus $4,831 in Toronto.

Caldwell, TX $4,647
Toronto $4,831

Living in Caldwell, TX costs roughly 5% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Caldwell, TX 80% above, Toronto 90% above.

Meal at Budget Restaurant

$14.88 $14.88

$17.60 CA$24.73

-15.45%

Three-Course Dinner for Two, Mid-Range

$60.4 $60.4

$77.8 CA$109

-22.38%

Fast Food Meal (McDonalds, etc)

$9.88 $9.88

$10.59 CA$14.87

-6.70%

Cappuccino

$3.97 $3.97

$4.16 CA$5.84

-4.57%

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

$1.47 $1.47

$2.04 CA$2.87

-27.94%

Water (0.33 liter bottle)

$1.73 $1.73

$1.75 CA$2.46

-1.14%

Local Beer (0.5 liter draught)

$5.13 $5.13

$6.58 CA$9.24

-22.04%

Imported Beer (0.33 liter bottle)

$6.05 $6.05

$7.11 CA$9.99

-14.91%

Milk (1 liter)

$0.77 $0.77

$2.53 CA$3.56

-69.57%

White Bread (500g)

$2.71 $2.71

$2.70 CA$3.80

0.37%

Rice (white) (1kg)

$3.96 $3.96

$2.24 CA$3.15

76.79%

Eggs

$2.92 $2.92

$3.48 CA$4.89

-16.09%

Local Cheese (1kg)

$10.95 $10.95

$9.38 CA$13.17

16.74%

Chicken Fillets (1kg)

$15.64 $15.64

$11.60 CA$16.29

34.83%

Beef Round Steak (1kg)

$24.53 $24.53

$14.68 CA$20.63

67.10%

Apples (1kg)

$4.39 $4.39

$3.74 CA$5.26

17.38%

Banana (1kg)

$1.77 $1.77

$1.22 CA$1.72

45.08%

Oranges (1kg)

$4.44 $4.44

$3.48 CA$4.89

27.59%

Tomato (1kg)

$2.66 $2.66

$4.32 CA$6.07

-38.43%

Potato (1kg)

$2.16 $2.16

$1.85 CA$2.60

16.76%

Onion (1kg)

$1.73 $1.73

$1.69 CA$2.38

2.37%

Lettuce (1 head)

$2.05 $2.05

$2.23 CA$3.13

-8.07%

Water (1.5 liter bottle)

$1.98 $1.98

$1.28 CA$1.79

54.69%

Cigarettes 20 Pack (Marlboro, Camel)

$9.61 $9.61

$14.04 CA$19.73

-31.55%

Wine (Bottle)

$10.68 $10.68

$14.43 CA$20.27

-25.99%

Local Beer (0.5 liter bottle)

$1.68 $1.68

$2.16 CA$3.03

-22.22%

Imported Beer (0.33 liter bottle)

$3.56 $3.56

$2.52 CA$3.55

41.27%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.37 CA$3.33

-17.30%

Public Transport Monthly Pass (Regular Price)

$51.0 $51.0

$112 CA$158

-54.62%

Taxi Start (Normal Tariff)

$3.33 $3.33

$3.04 CA$4.27

9.54%

Taxi (Normal Tariff) (1km)

$1.65 $1.65

$1.24 CA$1.74

33.06%

Taxi 1hour Waiting (Normal Tariff)

$26.34 $26.34

$22.55 CA$31.69

16.81%

Gasoline (1 liter)

$0.94 $0.94

$1.24 CA$1.75

-24.19%

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

$26.5K $26.5K

$26.9K CA$37.8K

-1.55%

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

$25.4K $25.4K

$21.4K CA$30.0K

18.89%

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

$173 $173

$125 CA$175

38.97%

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

$25.30 $25.30

$33.05 CA$46.44

-23.45%

Internet (50+ Mbps, Unlimited Data)

$68.5 $68.5

$47.96 CA$67.4

42.79%

Gym Membership (Monthly)

$40.60 $40.60

$36.69 CA$51.6

10.66%

Tennis Court (1 Hour on Weekend)

$9.85 $9.85

$23.67 CA$33.26

-58.39%

Cinema Ticket

$14.96 $14.96

$13.08 CA$18.37

14.37%

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

$1,521 $1,521

$759 CA$1,066

100.43%

International Primary School, 1 Child (Yearly)

$24.7K $24.7K

$23.8K CA$33.4K

3.67%

Jeans (Levis 501 Or Similar)

$22.35 $22.35

$53.5 CA$75.2

-58.26%

Summer Dress (H&M, Zara, etc)

$56.1 $56.1

$40.44 CA$56.8

38.70%

Sport Shoes (Adidas, Nike)

$64.9 $64.9

$100 CA$141

-35.40%

Men's Leather Business Shoes

$96.4 $96.4

$125 CA$176

-23.06%

1-bedroom Apartment, City Center (Monthly)

$1,565 $1,565

$1,630 CA$2,290

-3.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,297 $1,297

$1,416 CA$1,989

-8.41%

3-bedroom Apartment, City Center (Monthly)

$2,531 $2,531

$2,694 CA$3,785

-6.04%

3-bedroom Apartment, Outside City Center (Monthly)

$2,115 $2,115

$2,101 CA$2,952

0.66%

Buy Apartment in City Center (m2)

$2,784 $2,784

$7,551 CA$10.6K

-63.13%

Buy Apartment Outside City Center (m2)

$2,330 $2,330

$6,674 CA$9,377

-65.09%

Average Monthly Net Salary (After Tax)

$1,333 $1,333

$3,543 CA$4,978

-62.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.45

48.76%

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

Last update for Caldwell, TX: October 25, 2026

Last update for Toronto: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Caldwell, TX

$1.3K 53%

Toronto

$1.4K 54.7% 9.2% $119

Groceries & Markets

Caldwell, TX

$389 15.9%

Toronto

$345 13.3% 11.4% $45

Monthly Utilities & Internet

Caldwell, TX

$267 10.9%

Toronto

$206 7.9% 23% $61

Eating Out

Caldwell, TX

$247 10.1%

Toronto

$285 11% 15.3% $38

Clothing & Footwear

Caldwell, TX

$108 4.4%

Toronto

$144 5.6% 33.4% $36

Getting Around

Caldwell, TX

$70 2.9%

Toronto

$131 5.1% 86.1% $61

Sport & Entertainment

Caldwell, TX

$71 2.9%

Toronto

$63 2.4% 10.9% $7.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,565 in Caldwell, TX and $1,630 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays about 2.7 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $60 in Caldwell, TX vs $78 in Toronto. Groceries flip the comparison at $389 vs $345, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Caldwell, TX

🇨🇦 Toronto

🕒 Local time

08:50 8:50 AM

09:50 9:50 AM

1 h ahead of Caldwell, TX

🌤 Weather

👥 Population

59,996

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.899 EUR

1 CAD = 0.712 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 = 0.899 EUR).

Canadian Dollar exchange rates as of October 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.712 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 EUR).

CAD to USD in detail →

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Between locations

Caldwell, TX Toronto 2,110 km ≈ 3 h 15 min nonstop flight

From you

Caldwell, TX
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

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

Caldwell, TX wins on cost – living expenses run 5% lower than in Toronto. Housing and daily spending are where you’ll feel the difference most, making Caldwell, TX the obvious pick if budget is a priority.

On paper, salaries run 62% 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 $1,630 in Toronto. 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 $78 in Toronto. 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 $2,589 in Toronto – a 6% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Caldwell, TX is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

It comes down to priorities – Caldwell, TX wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.