Last update: Nov 2026

Cost of Living Comparison Between Calgary and Loja

For one person, living is cheaper in Loja: $675 a month against $2,297 in Calgary, rent and utilities included – about $19,500 less a year. Rent and utilities account for most of the difference.

110

Cost of Living Index in Calgary
Learn more

Calgary Living Index
33

Cost of Living Index in Loja
Learn more

Loja Living Index

Jump to prices

Calgary

🇨🇦 Canada

$2,297

/mo nomad

Loja

🇪🇨 Ecuador

$675

/mo nomad

Monthly Cost of Living

How much you'll spend in Calgary and in Loja

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

Monthly costs for one person with rent: $2,297 in Calgary versus $675 in Loja.

Calgary $2,297
Loja $675

Estimated couple costs with rent: $3,378 in Calgary versus $1,064 in Loja.

Calgary $3,378
Loja $1,064

Monthly costs for a family of three with rent: $4,459 in Calgary versus $1,453 in Loja.

Calgary $4,459
Loja $1,453

Living in Calgary is roughly 240% more expensive than in Loja, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Calgary is 70% above, Loja is 50% below.

Meal at Budget Restaurant

$17.94 CA$25.15

$3.03 $3.03

492.08%

Three-Course Dinner for Two, Mid-Range

$68.9 CA$96.5

$20.77 $20.77

231.58%

Fast Food Meal (McDonalds, etc)

$10.94 CA$15.33

$5.44 $5.44

101.10%

Cappuccino

$3.70 CA$5.19

$2.24 $2.24

65.18%

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

$2.07 CA$2.90

$0.73 $0.73

183.56%

Water (0.33 liter bottle)

$2.04 CA$2.86

$0.42 $0.42

385.71%

Local Beer (0.5 liter draught)

$5.74 CA$8.05

$1.28 $1.28

348.44%

Imported Beer (0.33 liter bottle)

$5.70 CA$7.99

$3.48 $3.48

63.79%

Milk (1 liter)

$1.98 CA$2.77

$1.02 $1.02

94.12%

White Bread (500g)

$2.65 CA$3.71

$1.46 $1.46

81.51%

Rice (white) (1kg)

$5.84 CA$8.18

$1.28 $1.28

356.25%

Eggs

$3.81 CA$5.35

$1.91 $1.91

99.48%

Local Cheese (1kg)

$10.81 CA$15.15

$5.73 $5.73

88.66%

Chicken Fillets (1kg)

$11.02 CA$15.45

$4.08 $4.08

170.10%

Beef Round Steak (1kg)

$17.87 CA$25.06

$5.90 $5.90

202.88%

Apples (1kg)

$4.88 CA$6.84

$1.69 $1.69

188.76%

Banana (1kg)

$1.45 CA$2.03

$1.07 $1.07

35.51%

Oranges (1kg)

$4.15 CA$5.82

$1.18 $1.18

251.69%

Tomato (1kg)

$3.99 CA$5.59

$1.12 $1.12

256.25%

Potato (1kg)

$2.93 CA$4.10

$1.11 $1.11

163.96%

Onion (1kg)

$3.02 CA$4.24

$1.04 $1.04

190.38%

Lettuce (1 head)

$2.67 CA$3.74

$0.48 $0.48

456.25%

Water (1.5 liter bottle)

$1.57 CA$2.20

$1.13 $1.13

38.94%

Cigarettes 20 Pack (Marlboro, Camel)

$14.11 CA$19.77

$5.35 $5.35

163.74%

Wine (Bottle)

$15.45 CA$21.66

$7.12 $7.12

116.99%

Local Beer (0.5 liter bottle)

$2.50 CA$3.51

$1.45 $1.45

72.41%

Imported Beer (0.33 liter bottle)

$3.18 CA$4.45

$3.06 $3.06

3.92%

One-way Ticket (Public Transport)

$2.85 CA$3.99

$0.31 $0.31

819.35%

Public Transport Monthly Pass (Regular Price)

$90.2 CA$126

$29.87 $29.87

201.98%

Taxi Start (Normal Tariff)

$3.16 CA$4.43

$0.66 $0.66

378.79%

Taxi (Normal Tariff) (1km)

$1.41 CA$1.97

$1.12 $1.12

25.89%

Taxi 1hour Waiting (Normal Tariff)

$27.46 CA$38.49

$10.03 $10.03

173.78%

Gasoline (1 liter)

$1.18 CA$1.66

$0.75 $0.75

57.33%

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

$27.9K CA$39.1K

$14.9K $14.9K

86.60%

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

$21.1K CA$29.5K

$29.0K $29.0K

-27.50%

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

$182 CA$255

$19.78 $19.78

819.11%

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

$36.01 CA$50.5

$11.40 $11.40

215.88%

Internet (50+ Mbps, Unlimited Data)

$48.80 CA$68.4

$26.92 $26.92

81.28%

Gym Membership (Monthly)

$48.78 CA$68.4

$29.50 $29.50

65.36%

Tennis Court (1 Hour on Weekend)

$18.15 CA$25.45

$14.80 $14.80

22.64%

Cinema Ticket

$14.52 CA$20.35

$7.23 $7.23

100.83%

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

$542 CA$760

$180 $180

200.42%

International Primary School, 1 Child (Yearly)

$21.2K CA$29.7K

$2,025 $2,025

945.09%

Jeans (Levis 501 Or Similar)

$59.1 CA$82.8

$52.6 $52.6

12.32%

Summer Dress (H&M, Zara, etc)

$42.34 CA$59.4

$48.01 $48.01

-11.81%

Sport Shoes (Adidas, Nike)

$94.2 CA$132

$78.1 $78.1

20.61%

Men's Leather Business Shoes

$109 CA$152

$72.8 $72.8

49.28%

1-bedroom Apartment, City Center (Monthly)

$1,214 CA$1,702

$237 $237

412.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,036 CA$1,453

$170 $170

509.01%

3-bedroom Apartment, City Center (Monthly)

$2,045 CA$2,867

$383 $383

434.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,655 CA$2,319

$308 $308

437.38%

Buy Apartment in City Center (m2)

$3,653 CA$5,121

$548 $548

566.88%

Buy Apartment Outside City Center (m2)

$3,183 CA$4,462

$320 $320

893.81%

Average Monthly Net Salary (After Tax)

$3,219 CA$4,512

$496 $496

549.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.43

8.5

-47.88%

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

Last update for Calgary: November 2, 2026

Last update for Loja: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Calgary

$1K 45.1%

Loja

$170 25.2% 83.6% $866

Groceries & Markets

Calgary

$390 17%

Loja

$167 24.7% 57.3% $223

Eating Out

Calgary

$277 12.1%

Loja

$85 12.7% 69.2% $192

Monthly Utilities & Internet

Calgary

$267 11.6%

Loja

$58 8.6% 78.2% $209

Clothing & Footwear

Calgary

$137 6%

Loja

$113 16.8% 17.3% $24

Getting Around

Calgary

$112 4.9%

Loja

$37 5.5% 66.6% $74

Sport & Entertainment

Calgary

$78 3.4%

Loja

$44 6.5% 43.5% $34

Cost Breakdown

A one-bedroom apartment in the center runs $1,214 in Calgary and $237 in Loja. Housing cost is often the main lever when comparing two cities.

Calgary pays about 6.5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $69 in Calgary vs $21 in Loja for a mid-range dinner for two. Groceries echo the gap at $390 vs $167 per month, with Loja cheaper across the board.

Good to know

🇨🇦 Calgary

🇪🇨 Loja

🕒 Local time

00:53 12:53 AM

01:53 1:53 AM

1 h ahead of Calgary

🌤 Weather

👥 Population

1,267,344

180,617

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Calgary Loja 6,960 km ≈ 9 h nonstop flight

From you

Calgary
Loja

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

Calgary vs Loja: Cost of Living - Frequently Asked Questions

Loja is about 71% cheaper overall, especially in groceries, eating out, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Calgary is about 6.5 times higher, 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: $1,214 in Calgary versus $237 in Loja. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Loja – a meal for two runs $21 versus $69 in Calgary. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,297 per month in Calgary versus $675 in Loja – Loja is about 71% cheaper, which adds up to real savings over time.

At $675 in Loja versus $2,297 in Calgary, a $1,200 budget is realistic in Loja but tight or insufficient in Calgary. The gap between the two cities makes Loja 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 Loja gentler on the wallet – expenses run 71% less than in Calgary. Beyond cost, consider language, visa policies, and how big the international community is in each city.