Cost of Living Comparison Between Calgary and Hay River, NT Cost of Living Comparison Between Calgary and Hay River, NT

Monthly Cost of Living

Monthly costs for one person with rent: $2,523 in Calgary versus $2,296 in Hay River, NT.

Estimated couple costs with rent: $3,652 in Calgary versus $3,340 in Hay River, NT.

Monthly costs for a family of three with rent: $4,780 in Calgary versus $4,383 in Hay River, NT.

Living in Calgary is roughly 10% more expensive than Hay River, NT, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Calgary 88% above, Hay River, NT 71% above.

Meal at Budget Restaurant

$18.59 CA$25.86

$16.77 CA$23.32

10.85%

Three-Course Dinner for Two, Mid-Range

$70.0 CA$97.4

$69.7 CA$96.9

0.56%

Fast Food Meal (McDonalds, etc)

$10.96 CA$15.24

$11.07 CA$15.39

-0.99%

Cappuccino

$3.73 CA$5.19

$3.68 CA$5.11

1.36%

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

$1.99 CA$2.77

$2.07 CA$2.87

-3.86%

Water (0.33 liter bottle)

$1.72 CA$2.40

$1.72 CA$2.39

Local Beer (0.5 liter draught)

$5.01 CA$6.97

$5.48 CA$7.62

-8.58%

Imported Beer (0.33 liter bottle)

$6.50 CA$9.05

$6.01 CA$8.36

8.15%

Milk (1 liter)

$2.22 CA$3.09

$2.20 CA$3.06

0.91%

White Bread (500g)

$2.67 CA$3.71

$2.70 CA$3.76

-1.11%

Rice (white) (1kg)

$3.26 CA$4.54

$3.61 CA$5.01

-9.70%

Eggs

$3.35 CA$4.66

$3.40 CA$4.73

-1.47%

Local Cheese (1kg)

$14.50 CA$20.16

$11.07 CA$15.39

30.98%

Chicken Fillets (1kg)

$12.95 CA$18.01

$11.54 CA$16.05

12.22%

Beef Round Steak (1kg)

$16.15 CA$22.46

$14.43 CA$20.07

11.92%

Apples (1kg)

$4.32 CA$6.01

$3.96 CA$5.51

9.09%

Banana (1kg)

$1.35 CA$1.88

$1.43 CA$1.99

-5.59%

Oranges (1kg)

$3.83 CA$5.32

$3.61 CA$5.03

6.09%

Tomato (1kg)

$4.18 CA$5.81

$3.68 CA$5.12

13.59%

Potato (1kg)

$2.65 CA$3.68

$2.38 CA$3.31

11.34%

Onion (1kg)

$2.74 CA$3.81

$2.54 CA$3.53

7.87%

Lettuce (1 head)

$2.76 CA$3.84

$2.53 CA$3.52

9.09%

Water (1.5 liter bottle)

$1.95 CA$2.71

$1.79 CA$2.48

8.94%

Cigarettes 20 Pack (Marlboro, Camel)

$14.98 CA$20.83

$14.20 CA$19.75

5.49%

Wine (Bottle)

$14.67 CA$20.40

$12.85 CA$17.87

14.16%

Local Beer (0.5 liter bottle)

$2.84 CA$3.95

$2.86 CA$3.97

-0.70%

Imported Beer (0.33 liter bottle)

$4.02 CA$5.59

$3.15 CA$4.39

27.62%

One-way Ticket (Public Transport)

$2.80 CA$3.90

$2.43 CA$3.38

15.23%

Public Transport Monthly Pass (Regular Price)

$86.2 CA$120

$62.5 CA$86.8

38.00%

Taxi Start (Normal Tariff)

$3.60 CA$5.01

$3.13 CA$4.35

15.02%

Taxi (Normal Tariff) (1km)

$1.32 CA$1.83

$1.43 CA$1.99

-7.69%

Taxi 1hour Waiting (Normal Tariff)

$29.01 CA$40.35

$25.90 CA$36.01

12.01%

Gasoline (1 liter)

$1.12 CA$1.56

$1.17 CA$1.63

-4.27%

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

$24.9K CA$34.6K

$24.8K CA$34.5K

0.16%

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

$22.0K CA$30.6K

$20.7K CA$28.7K

6.43%

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

$217 CA$302

$142 CA$197

53.03%

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

$41.55 CA$57.8

$44.25 CA$61.5

-6.10%

Internet (50+ Mbps, Unlimited Data)

$58.1 CA$80.8

$63.0 CA$87.6

-7.84%

Gym Membership (Monthly)

$54.7 CA$76.1

$42.21 CA$58.7

29.61%

Tennis Court (1 Hour on Weekend)

$52.8 CA$73.5

Cinema Ticket

$12.77 CA$17.75

$11.38 CA$15.82

12.21%

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

$874 CA$1,215

$727 CA$1,012

20.11%

International Primary School, 1 Child (Yearly)

$15.9K CA$22.2K

$11.9K CA$16.6K

33.80%

Jeans (Levis 501 Or Similar)

$58.8 CA$81.8

$53.7 CA$74.6

9.66%

Summer Dress (H&M, Zara, etc)

$46.47 CA$64.6

$39.98 CA$55.6

16.23%

Sport Shoes (Adidas, Nike)

$87.2 CA$121

$88.0 CA$122

-0.95%

Men's Leather Business Shoes

$109 CA$151

$108 CA$151

0.46%

1-bedroom Apartment, City Center (Monthly)

$1,414 CA$1,966

$1,327 CA$1,846

6.52%

1-bedroom Apartment, Outside City Center (Monthly)

$1,172 CA$1,630

$1,158 CA$1,610

1.23%

3-bedroom Apartment, City Center (Monthly)

$2,319 CA$3,225

$2,046 CA$2,845

13.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,886 CA$2,623

$1,794 CA$2,495

5.14%

Buy Apartment in City Center (m2)

$3,892 CA$5,413

$4,755 CA$6,613

-18.16%

Buy Apartment Outside City Center (m2)

$3,503 CA$4,872

$4,160 CA$5,786

-15.79%

Average Monthly Net Salary (After Tax)

$3,149 CA$4,380

$4,369 CA$6,076

-27.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.71

6.46

-11.61%

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

Last update for Calgary: June 1, 2026

Last update for Hay River, NT: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,414 in Calgary and $1,327 in Hay River, NT. Housing cost is often the main lever when comparing two cities.

Hay River, NT pays 39% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $70.0 in Calgary vs $70.0 in Hay River, NT. Groceries flip the comparison at $397 vs $363, with Hay River, NT cheaper for home cooking.

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

Calgary vs Hay River, NT: Cost of Living - Frequently Asked Questions

Hay River, NT is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Getting Around, Sport & Entertainment. The 10% gap adds up to real monthly savings that compound significantly over time.

On paper, Hay River, NT earns 39% less. 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: $1,414 in Calgary versus $1,327 in Hay River, NT. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Hay River, NT – a meal for two runs $70.0 versus $70.0 in Calgary. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,523 per month in Calgary versus $2,296 in Hay River, NT – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,296 in Hay River, NT versus $2,523 in Calgary, a $2,000 budget is realistic in Hay River, NT but tight or insufficient in Calgary. The gap between the two cities makes Hay River, NT the clear choice for anyone on this budget.

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 Hay River, NT gentler on the wallet – expenses run 10% less than in Calgary. Beyond cost, consider language, visa policies, and how big the international community is in each city.