Cost of Living Comparison Between Calgary and Surrey Cost of Living Comparison Between Calgary and Surrey

Monthly Cost of Living

Monthly costs for one person with rent: $2,344 in Calgary versus $2,329 in Surrey.

Estimated couple costs with rent: $3,470 in Calgary versus $3,611 in Surrey.

Monthly costs for a family of three with rent: $4,597 in Calgary versus $4,893 in Surrey.

Living in Calgary is roughly 1% more expensive than in Surrey, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Calgary 71% above, Surrey 70% above.

Meal at Budget Restaurant

$17.68 CA$24.74

$18.21 CA$25.47

-2.91%

Three-Course Dinner for Two, Mid-Range

$71.2 CA$99.6

$58.5 CA$81.8

21.76%

Fast Food Meal (McDonalds, etc)

$10.85 CA$15.18

$10.61 CA$14.85

2.26%

Cappuccino

$3.85 CA$5.39

$3.59 CA$5.02

7.24%

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

$1.95 CA$2.73

$2.06 CA$2.89

-5.34%

Water (0.33 liter bottle)

$1.79 CA$2.51

$1.63 CA$2.28

9.82%

Local Beer (0.5 liter draught)

$4.97 CA$6.95

$6.01 CA$8.40

-17.30%

Imported Beer (0.33 liter bottle)

$5.90 CA$8.25

$6.18 CA$8.65

-4.53%

Milk (1 liter)

$1.84 CA$2.58

$2.51 CA$3.51

-26.69%

White Bread (500g)

$2.73 CA$3.82

$2.14 CA$3.00

27.57%

Rice (white) (1kg)

$5.44 CA$7.60

$3.57 CA$4.99

52.38%

Eggs

$3.63 CA$5.07

$3.33 CA$4.66

9.01%

Local Cheese (1kg)

$11.55 CA$16.15

$10.08 CA$14.11

14.58%

Chicken Fillets (1kg)

$11.57 CA$16.19

$10.73 CA$15.00

7.83%

Beef Round Steak (1kg)

$18.94 CA$26.50

$20.77 CA$29.06

-8.81%

Apples (1kg)

$4.95 CA$6.92

$3.35 CA$4.69

47.76%

Banana (1kg)

$1.42 CA$1.98

$1.36 CA$1.90

4.41%

Oranges (1kg)

$4.22 CA$5.90

$3.02 CA$4.23

39.74%

Tomato (1kg)

$4.09 CA$5.72

$3.10 CA$4.33

31.94%

Potato (1kg)

$2.56 CA$3.58

$2.60 CA$3.63

-1.54%

Onion (1kg)

$2.82 CA$3.95

$2.14 CA$2.99

31.78%

Lettuce (1 head)

$2.57 CA$3.59

$2.06 CA$2.88

24.76%

Water (1.5 liter bottle)

$1.55 CA$2.16

$1.76 CA$2.46

-11.93%

Cigarettes 20 Pack (Marlboro, Camel)

$14.59 CA$20.41

$14.15 CA$19.79

3.11%

Wine (Bottle)

$15.60 CA$21.83

$14.63 CA$20.46

6.63%

Local Beer (0.5 liter bottle)

$2.58 CA$3.61

$2.61 CA$3.65

-1.15%

Imported Beer (0.33 liter bottle)

$3.23 CA$4.52

$3.17 CA$4.44

1.89%

One-way Ticket (Public Transport)

$2.96 CA$4.14

$2.59 CA$3.63

14.29%

Public Transport Monthly Pass (Regular Price)

$91.1 CA$127

$112 CA$156

-18.33%

Taxi Start (Normal Tariff)

$3.17 CA$4.43

$2.65 CA$3.71

19.62%

Taxi (Normal Tariff) (1km)

$1.39 CA$1.95

$1.59 CA$2.22

-12.58%

Taxi 1hour Waiting (Normal Tariff)

$27.67 CA$38.70

$27.99 CA$39.16

-1.14%

Gasoline (1 liter)

$1.25 CA$1.75

$1.26 CA$1.77

-0.79%

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

$28.3K CA$39.6K

$28.7K CA$40.2K

-1.39%

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

$21.3K CA$29.8K

$19.2K CA$26.8K

10.94%

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

$178 CA$249

$187 CA$262

-4.94%

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

$39.31 CA$55.0

$37.07 CA$51.9

6.04%

Internet (50+ Mbps, Unlimited Data)

$50.9 CA$71.2

$65.3 CA$91.3

-22.03%

Gym Membership (Monthly)

$54.7 CA$76.5

$35.52 CA$49.69

54.03%

Tennis Court (1 Hour on Weekend)

$18.77 CA$26.25

$26.06 CA$36.45

-27.97%

Cinema Ticket

$14.55 CA$20.36

$13.09 CA$18.31

11.15%

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

$812 CA$1,135

$846 CA$1,184

-4.11%

International Primary School, 1 Child (Yearly)

$16.4K CA$23.0K

$12.4K CA$17.3K

32.85%

Jeans (Levis 501 Or Similar)

$59.4 CA$83.1

$55.7 CA$78.0

6.58%

Summer Dress (H&M, Zara, etc)

$40.33 CA$56.4

$63.2 CA$88.3

-36.14%

Sport Shoes (Adidas, Nike)

$92.2 CA$129

$98.4 CA$138

-6.21%

Men's Leather Business Shoes

$113 CA$158

$91.0 CA$127

23.85%

1-bedroom Apartment, City Center (Monthly)

$1,284 CA$1,796

$1,336 CA$1,869

-3.93%

1-bedroom Apartment, Outside City Center (Monthly)

$1,018 CA$1,424

$1,064 CA$1,488

-4.30%

3-bedroom Apartment, City Center (Monthly)

$1,977 CA$2,766

$2,747 CA$3,843

-28.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,746 CA$2,443

$2,127 CA$2,976

-17.89%

Buy Apartment in City Center (m2)

$3,571 CA$4,995

$9,623 CA$13.5K

-62.89%

Buy Apartment Outside City Center (m2)

$3,359 CA$4,698

$8,505 CA$11.9K

-60.51%

Average Monthly Net Salary (After Tax)

$3,213 CA$4,495

$3,158 CA$4,417

1.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

4.87

-8.01%

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

Last update for Calgary: September 12, 2026

Last update for Surrey: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,284 in Calgary and $1,336 in Surrey. Housing cost is often the main lever when comparing two cities.

Calgary pays 2% 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 $58.0 in Surrey for a mid-range dinner for two. Groceries echo the gap at $395 vs $363 per month, with Surrey cheaper across the board.

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 Surrey: Cost of Living - Frequently Asked Questions

Surrey is cheaper overall, especially in Groceries & Markets, Sport & Entertainment. The 1% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2% 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: $1,284 in Calgary versus $1,336 in Surrey. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Surrey – a meal for two runs $58.0 versus $71.0 in Calgary. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,344 per month in Calgary versus $2,329 in Surrey – a 1% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,329 in Surrey versus $2,344 in Calgary, a $3,000 budget is realistic in Surrey but tight or insufficient in Calgary. The gap between the two cities makes Surrey 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 Surrey gentler on the wallet – expenses run 1% less than in Calgary. Beyond cost, consider language, visa policies, and how big the international community is in each city.