Last update: Oct 2026

Cost of Living Comparison Between Calgary and San Fernando

For one person, living is cheaper in San Fernando: $1,263 a month against $2,223 in Calgary, rent and utilities included – about $11,500 less a year. Rent and utilities account for most of the difference.

109

Cost of Living Index in Calgary
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Calgary Living Index
61

Cost of Living Index in San Fernando
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San Fernando Living Index

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Calgary

🇨🇦 Canada

$2,223

/mo nomad

San Fernando

🇹🇹 Trinidad And Tobago

$1,263

/mo nomad

Monthly Cost of Living

How much you'll spend in Calgary and in San Fernando

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 San Fernando actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,223 in Calgary versus $1,263 in San Fernando.

Calgary $2,223
San Fernando $1,263

Estimated couple costs with rent: $3,301 in Calgary versus $2,045 in San Fernando.

Calgary $3,301
San Fernando $2,045

Monthly costs for a family of three with rent: $4,379 in Calgary versus $2,827 in San Fernando.

Calgary $4,379
San Fernando $2,827

Living in Calgary is roughly 76% more expensive than in San Fernando, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Calgary is 65% above, San Fernando is 6% below.

Meal at Budget Restaurant

$17.22 CA$24.34

$10.22 TTD 68.8

68.49%

Three-Course Dinner for Two, Mid-Range

$71.1 CA$100

$59.6 TTD 401

19.31%

Fast Food Meal (McDonalds, etc)

$10.53 CA$14.89

$8.00 TTD 53.9

31.62%

Cappuccino

$3.66 CA$5.18

$3.66 TTD 24.65

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

$1.98 CA$2.80

$1.02 TTD 6.88

94.12%

Water (0.33 liter bottle)

$1.94 CA$2.74

$0.76 TTD 5.09

155.26%

Local Beer (0.5 liter draught)

$4.95 CA$7.00

$1.89 TTD 12.69

161.90%

Imported Beer (0.33 liter bottle)

$5.57 CA$7.87

$2.63 TTD 17.71

111.79%

Milk (1 liter)

$1.88 CA$2.65

$1.98 TTD 13.33

-5.05%

White Bread (500g)

$2.67 CA$3.78

$2.29 TTD 15.41

16.59%

Rice (white) (1kg)

$5.32 CA$7.52

$2.92 TTD 19.61

82.19%

Eggs

$3.79 CA$5.35

$3.90 TTD 26.27

-2.82%

Local Cheese (1kg)

$11.09 CA$15.68

$6.58 TTD 44.24

68.54%

Chicken Fillets (1kg)

$11.36 CA$16.05

$10.17 TTD 68.4

11.70%

Beef Round Steak (1kg)

$18.40 CA$26.01

$9.04 TTD 60.8

103.54%

Apples (1kg)

$4.56 CA$6.45

$5.59 TTD 37.61

-18.43%

Banana (1kg)

$1.44 CA$2.04

$2.57 TTD 17.31

-43.97%

Oranges (1kg)

$4.08 CA$5.76

$3.60 TTD 24.21

13.33%

Tomato (1kg)

$3.89 CA$5.50

$4.38 TTD 29.43

-11.19%

Potato (1kg)

$2.64 CA$3.73

$0.75 TTD 5.05

252.00%

Onion (1kg)

$2.64 CA$3.73

$0.74 TTD 5.00

256.76%

Lettuce (1 head)

$2.50 CA$3.54

$1.50 TTD 10.11

66.67%

Water (1.5 liter bottle)

$1.50 CA$2.12

$1.15 TTD 7.73

30.43%

Cigarettes 20 Pack (Marlboro, Camel)

$14.05 CA$19.86

$5.71 TTD 38.38

146.06%

Wine (Bottle)

$15.70 CA$22.20

$17.92 TTD 121

-12.39%

Local Beer (0.5 liter bottle)

$2.44 CA$3.45

$1.55 TTD 10.43

57.42%

Imported Beer (0.33 liter bottle)

$3.09 CA$4.37

$2.93 TTD 19.74

5.46%

One-way Ticket (Public Transport)

$2.82 CA$3.99

$0.46 TTD 3.10

513.04%

Public Transport Monthly Pass (Regular Price)

$88.6 CA$125

$44.31 TTD 298

100.05%

Taxi Start (Normal Tariff)

$3.12 CA$4.41

$0.86 TTD 5.79

262.79%

Taxi (Normal Tariff) (1km)

$1.35 CA$1.91

$0.92 TTD 6.20

46.74%

Taxi 1hour Waiting (Normal Tariff)

$27.02 CA$38.20

$14.57 TTD 98.0

85.45%

Gasoline (1 liter)

$1.16 CA$1.64

$1.16 TTD 7.81

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

$27.9K CA$39.5K

$36.1K TTD 243.1K

-22.77%

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

$20.3K CA$28.8K

$40.3K TTD 270.8K

-49.46%

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

$161 CA$227

$44.87 TTD 302

258.28%

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

$38.13 CA$53.9

$42.63 TTD 287

-10.56%

Internet (50+ Mbps, Unlimited Data)

$50.0 CA$70.7

$45.78 TTD 308

9.31%

Gym Membership (Monthly)

$51.5 CA$72.8

$50.5 TTD 340

1.90%

Tennis Court (1 Hour on Weekend)

$18.14 CA$25.64

$22.37 TTD 151

-18.91%

Cinema Ticket

$13.82 CA$19.54

$8.70 TTD 58.5

58.85%

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

$786 CA$1,111

$402 TTD 2,702

95.76%

International Primary School, 1 Child (Yearly)

$15.5K CA$21.8K

$10.9K TTD 73.0K

42.38%

Jeans (Levis 501 Or Similar)

$58.3 CA$82.4

$53.6 TTD 360

8.83%

Summer Dress (H&M, Zara, etc)

$39.27 CA$55.5

$37.29 TTD 251

5.31%

Sport Shoes (Adidas, Nike)

$89.8 CA$127

$88.1 TTD 593

1.83%

Men's Leather Business Shoes

$110 CA$155

$89.7 TTD 603

22.46%

1-bedroom Apartment, City Center (Monthly)

$1,229 CA$1,737

$517 TTD 3,480

137.56%

1-bedroom Apartment, Outside City Center (Monthly)

$1,001 CA$1,415

$398 TTD 2,675

151.76%

3-bedroom Apartment, City Center (Monthly)

$1,921 CA$2,716

$914 TTD 6,149

110.14%

3-bedroom Apartment, Outside City Center (Monthly)

$1,621 CA$2,292

$743 TTD 5,000

118.12%

Buy Apartment in City Center (m2)

$3,549 CA$5,018

$1,991 TTD 13.4K

78.27%

Buy Apartment Outside City Center (m2)

$3,335 CA$4,715

$1,492 TTD 10.0K

123.58%

Average Monthly Net Salary (After Tax)

$3,165 CA$4,474

$1,043 TTD 7,019

203.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.51

5.75

-21.57%

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

Last update for Calgary: October 13, 2026

Last update for San Fernando: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Calgary

$1K 45%

San Fernando

$398 31.5% 60.3% $604

Groceries & Markets

Calgary

$385 17.3%

San Fernando

$320 25.4% 16.8% $65

Eating Out

Calgary

$265 11.9%

San Fernando

$172 13.6% 35.2% $93

Monthly Utilities & Internet

Calgary

$249 11.2%

San Fernando

$133 10.6% 46.5% $116

Clothing & Footwear

Calgary

$134 6%

San Fernando

$121 9.6% 9.6% $13

Getting Around

Calgary

$110 4.9%

San Fernando

$52 4.1% 53% $58

Sport & Entertainment

Calgary

$79 3.6%

San Fernando

$68 5.4% 14.2% $11

Cost Breakdown

A one-bedroom apartment in the center runs $1,229 in Calgary and $517 in San Fernando. Housing cost is often the main lever when comparing two cities.

Calgary pays 203% 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: $71.0 in Calgary vs $60.0 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $385 vs $320 per month, with San Fernando cheaper across the board.

Good to know

🇨🇦 Calgary

🇹🇹 San Fernando

🕒 Local time

12:34 12:34 PM

14:34 2:34 PM

2 h ahead of Calgary

🌤 Weather

👥 Population

1,267,344

55,419

💱 Currency

Canadian Dollar CAD $

Trinidad and Tobago Dollar TTD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 TTD = 0.149 USD

1 TTD = 0.132 EUR

Exchange rates and currency converter

TTD, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 18, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

Trinidad and Tobago Dollar exchange rates as of October 18, 2026: 1 USD = 6.73 TTD (1 TTD = 0.149 USD). 1 EUR = 7.56 TTD (1 TTD = 0.132 EUR).

USD to CAD in detail →

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Between locations

Calgary San Fernando 6,560 km ≈ 9 h nonstop flight

From you

Calgary
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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 San Fernando: Cost of Living - Frequently Asked Questions

San Fernando is cheaper overall, especially in groceries, eating out, and clothing. The 76% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 203% higher in Calgary, 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: $1,229 in Calgary versus $517 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in San Fernando – a meal for two runs $60.0 versus $71.0 in Calgary. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,223 per month in Calgary versus $1,263 in San Fernando – a 76% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,263 in San Fernando versus $2,223 in Calgary, a $1,500 budget is realistic in San Fernando but tight or insufficient in Calgary. The gap between the two cities makes San Fernando 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 San Fernando gentler on the wallet – expenses run 76% less than in Calgary. Beyond cost, consider language, visa policies, and how big the international community is in each city.