Cost of Living Comparison Between Calgary and Toronto Cost of Living Comparison Between Calgary and Toronto

Monthly Cost of Living

Monthly costs for one person with rent: $2,523 in Calgary versus $2,811 in Toronto.

Estimated couple costs with rent: $3,652 in Calgary versus $4,130 in Toronto.

Monthly costs for a family of three with rent: $4,780 in Calgary versus $5,449 in Toronto.

Living in Calgary costs roughly 10% less than in Toronto, driven mainly by Getting Around.

Both cities are pricier than the global median: Calgary 88% above, Toronto 110% above.

Meal at Budget Restaurant

$18.59 CA$25.91

$18.71 CA$26.08

-0.64%

Three-Course Dinner for Two, Mid-Range

$70.0 CA$97.6

$81.9 CA$114

-14.44%

Fast Food Meal (McDonalds, etc)

$10.96 CA$15.27

$10.83 CA$15.09

1.20%

Cappuccino

$3.73 CA$5.20

$3.89 CA$5.42

-4.11%

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

$1.99 CA$2.77

$2.22 CA$3.09

-10.36%

Water (0.33 liter bottle)

$1.72 CA$2.40

$1.65 CA$2.30

4.24%

Local Beer (0.5 liter draught)

$5.01 CA$6.99

$6.05 CA$8.43

-17.19%

Imported Beer (0.33 liter bottle)

$6.50 CA$9.06

$6.58 CA$9.17

-1.22%

Milk (1 liter)

$2.22 CA$3.10

$2.73 CA$3.80

-18.68%

White Bread (500g)

$2.67 CA$3.72

$2.72 CA$3.79

-1.84%

Rice (white) (1kg)

$3.26 CA$4.55

$3.54 CA$4.93

-7.91%

Eggs

$3.35 CA$4.67

$3.50 CA$4.88

-4.29%

Local Cheese (1kg)

$14.50 CA$20.21

$13.53 CA$18.85

7.17%

Chicken Fillets (1kg)

$12.95 CA$18.04

$13.09 CA$18.24

-1.07%

Beef Round Steak (1kg)

$16.15 CA$22.51

$16.96 CA$23.64

-4.78%

Apples (1kg)

$4.32 CA$6.02

$4.16 CA$5.80

3.85%

Banana (1kg)

$1.35 CA$1.89

$1.18 CA$1.64

14.41%

Oranges (1kg)

$3.83 CA$5.33

$3.25 CA$4.53

17.85%

Tomato (1kg)

$4.18 CA$5.83

$4.12 CA$5.74

1.46%

Potato (1kg)

$2.65 CA$3.69

$2.50 CA$3.49

6.00%

Onion (1kg)

$2.74 CA$3.82

$2.88 CA$4.01

-4.86%

Lettuce (1 head)

$2.76 CA$3.85

$2.35 CA$3.27

17.45%

Water (1.5 liter bottle)

$1.95 CA$2.72

$2.00 CA$2.79

-2.50%

Cigarettes 20 Pack (Marlboro, Camel)

$14.98 CA$20.88

$14.58 CA$20.32

2.74%

Wine (Bottle)

$14.67 CA$20.45

$14.18 CA$19.76

3.46%

Local Beer (0.5 liter bottle)

$2.84 CA$3.96

$2.80 CA$3.90

1.43%

Imported Beer (0.33 liter bottle)

$4.02 CA$5.60

$3.25 CA$4.54

23.69%

One-way Ticket (Public Transport)

$2.80 CA$3.90

$2.40 CA$3.35

16.67%

Public Transport Monthly Pass (Regular Price)

$86.2 CA$120

$114 CA$159

-24.44%

Taxi Start (Normal Tariff)

$3.60 CA$5.02

$3.76 CA$5.24

-4.26%

Taxi (Normal Tariff) (1km)

$1.32 CA$1.84

$1.41 CA$1.96

-6.38%

Taxi 1hour Waiting (Normal Tariff)

$29.01 CA$40.43

$25.53 CA$35.58

13.63%

Gasoline (1 liter)

$1.12 CA$1.56

$1.10 CA$1.53

1.82%

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

$24.9K CA$34.6K

$25.2K CA$35.2K

-1.52%

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

$22.0K CA$30.6K

$21.1K CA$29.4K

4.30%

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

$217 CA$303

$120 CA$167

81.58%

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

$41.55 CA$57.9

$37.54 CA$52.3

10.68%

Internet (50+ Mbps, Unlimited Data)

$58.1 CA$80.9

$54.5 CA$76.0

6.49%

Gym Membership (Monthly)

$54.7 CA$76.3

$55.5 CA$77.4

-1.44%

Tennis Court (1 Hour on Weekend)

$52.8 CA$73.6

$21.15 CA$29.48

149.74%

Cinema Ticket

$12.77 CA$17.79

$11.56 CA$16.11

10.47%

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

$874 CA$1,218

$1,129 CA$1,574

-22.63%

International Primary School, 1 Child (Yearly)

$15.9K CA$22.2K

$18.0K CA$25.0K

-11.30%

Jeans (Levis 501 Or Similar)

$58.8 CA$82.0

$56.9 CA$79.3

3.34%

Summer Dress (H&M, Zara, etc)

$46.47 CA$64.8

$39.96 CA$55.7

16.29%

Sport Shoes (Adidas, Nike)

$87.2 CA$121

$89.7 CA$125

-2.77%

Men's Leather Business Shoes

$109 CA$152

$114 CA$159

-4.79%

1-bedroom Apartment, City Center (Monthly)

$1,414 CA$1,970

$1,849 CA$2,577

-23.56%

1-bedroom Apartment, Outside City Center (Monthly)

$1,172 CA$1,634

$1,560 CA$2,174

-24.84%

3-bedroom Apartment, City Center (Monthly)

$2,319 CA$3,232

$2,925 CA$4,077

-20.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,886 CA$2,629

$2,470 CA$3,443

-23.63%

Buy Apartment in City Center (m2)

$3,892 CA$5,424

$9,085 CA$12.7K

-57.16%

Buy Apartment Outside City Center (m2)

$3,503 CA$4,882

$7,036 CA$9,806

-50.21%

Average Monthly Net Salary (After Tax)

$3,149 CA$4,389

$3,572 CA$4,978

-11.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.71

5.16

10.66%

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

Last update for Calgary: June 1, 2026

Last update for Toronto: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,414 in Calgary and $1,849 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 13% 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: $70.0 in Calgary vs $82.0 in Toronto. Groceries flip the comparison at $397 vs $396, with Toronto 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 Toronto: Cost of Living - Frequently Asked Questions

Calgary is cheaper overall, especially in Eating Out, Getting Around. The 11% gap adds up to real monthly savings that compound significantly over time.

On paper, Toronto earns 13% 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 $1,849 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Calgary – a meal for two runs $70.0 versus $82.0 in Toronto. 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 $2,811 in Toronto – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Calgary is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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 Calgary gentler on the wallet – expenses run 11% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.