Last update: Oct 2026

Cost of Living Comparison Between Champaign, IL and Toronto

For one person, living is cheaper in Champaign, IL: $2,161 a month against $2,561 in Toronto, rent and utilities included – about $4,800 less a year. Rent and utilities account for most of the difference.

104

Cost of Living Index in Champaign, IL
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Champaign, IL Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Champaign, IL

🇺🇸 United States

$2,161

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

How much you'll spend in Champaign, IL and in Toronto

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

A single person spends $2,161 per month in Champaign, IL vs $2,561 in Toronto, rent included.

Champaign, IL $2,161
Toronto $2,561

A couple spends around $3,133 per month in Champaign, IL vs $3,694 in Toronto, rent included.

Champaign, IL $3,133
Toronto $3,694

A family of three spends $4,106 per month in Champaign, IL vs $4,826 in Toronto, rent included.

Champaign, IL $4,106
Toronto $4,826

Champaign, IL is about 16% cheaper than Toronto, and outside of rent the biggest gap is in transport.

Both Champaign, IL and Toronto sit above the global median – Champaign, IL by 60%, Toronto by 90%.

Meal at Budget Restaurant

$15.25 $15.25

$17.18 CA$24.29

-11.23%

Three-Course Dinner for Two, Mid-Range

$60.8 $60.8

$76.0 CA$107

-20.03%

Fast Food Meal (McDonalds, etc)

$10.11 $10.11

$10.54 CA$14.89

-4.08%

Cappuccino

$4.83 $4.83

$4.02 CA$5.68

20.15%

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

$2.15 $2.15

$2.12 CA$3.00

1.42%

Water (0.33 liter bottle)

$1.73 $1.73

$1.75 CA$2.48

-1.14%

Local Beer (0.5 liter draught)

$5.57 $5.57

$6.24 CA$8.83

-10.74%

Imported Beer (0.33 liter bottle)

$5.35 $5.35

$7.09 CA$10.02

-24.54%

Milk (1 liter)

$0.85 $0.85

$2.44 CA$3.45

-65.16%

White Bread (500g)

$3.14 $3.14

$2.68 CA$3.78

17.16%

Rice (white) (1kg)

$3.13 $3.13

$2.24 CA$3.17

39.73%

Eggs

$3.88 $3.88

$3.56 CA$5.03

8.99%

Local Cheese (1kg)

$12.19 $12.19

$9.09 CA$12.85

34.10%

Chicken Fillets (1kg)

$5.96 $5.96

$11.33 CA$16.01

-47.40%

Beef Round Steak (1kg)

$12.81 $12.81

$14.53 CA$20.55

-11.84%

Apples (1kg)

$3.45 $3.45

$3.62 CA$5.12

-4.70%

Banana (1kg)

$1.38 $1.38

$1.21 CA$1.72

14.05%

Oranges (1kg)

$3.10 $3.10

$3.60 CA$5.09

-13.89%

Tomato (1kg)

$4.56 $4.56

$4.21 CA$5.96

8.31%

Potato (1kg)

$2.02 $2.02

$1.79 CA$2.53

12.85%

Onion (1kg)

$2.23 $2.23

$1.59 CA$2.25

40.25%

Lettuce (1 head)

$2.21 $2.21

$2.27 CA$3.21

-2.64%

Water (1.5 liter bottle)

$1.25 $1.25

$1.25 CA$1.77

Cigarettes 20 Pack (Marlboro, Camel)

$10.25 $10.25

$13.82 CA$19.53

-25.83%

Wine (Bottle)

$14.71 $14.71

$14.27 CA$20.18

3.08%

Local Beer (0.5 liter bottle)

$2.15 $2.15

$2.20 CA$3.10

-2.27%

Imported Beer (0.33 liter bottle)

$4.08 $4.08

$2.43 CA$3.44

67.90%

One-way Ticket (Public Transport)

$0.97 $0.97

$2.39 CA$3.38

-59.41%

Public Transport Monthly Pass (Regular Price)

$20.38 $20.38

$111 CA$157

-81.63%

Taxi Start (Normal Tariff)

$2.52 $2.52

$2.91 CA$4.12

-13.40%

Taxi (Normal Tariff) (1km)

$1.59 $1.59

$1.20 CA$1.69

32.50%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

Gasoline (1 liter)

$1.16 $1.16

$1.21 CA$1.71

-4.13%

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

$35.1K $35.1K

$28.2K CA$39.8K

24.66%

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

$32.3K $32.3K

$20.3K CA$28.6K

59.23%

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

$240 $240

$120 CA$170

99.35%

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

$45.66 $45.66

$32.26 CA$45.60

41.54%

Internet (50+ Mbps, Unlimited Data)

$67.6 $67.6

$47.93 CA$67.8

41.02%

Gym Membership (Monthly)

$25.34 $25.34

$38.48 CA$54.4

-34.15%

Tennis Court (1 Hour on Weekend)

$11.85 $11.85

$22.96 CA$32.46

-48.39%

Cinema Ticket

$11.09 $11.09

$12.38 CA$17.50

-10.42%

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

$993 $993

$830 CA$1,173

19.69%

International Primary School, 1 Child (Yearly)

$19.9K $19.9K

$23.1K CA$32.6K

-13.68%

Jeans (Levis 501 Or Similar)

$48.98 $48.98

$50.7 CA$71.7

-3.41%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

Sport Shoes (Adidas, Nike)

$116 $116

$98.0 CA$139

18.30%

Men's Leather Business Shoes

$122 $122

$121 CA$171

1.14%

1-bedroom Apartment, City Center (Monthly)

$1,453 $1,453

$1,592 CA$2,251

-8.71%

1-bedroom Apartment, Outside City Center (Monthly)

$1,016 $1,016

$1,410 CA$1,994

-27.97%

3-bedroom Apartment, City Center (Monthly)

$1,941 $1,941

$2,670 CA$3,775

-27.30%

3-bedroom Apartment, Outside City Center (Monthly)

$1,691 $1,691

$2,152 CA$3,042

-21.41%

Buy Apartment in City Center (m2)

$1,688 $1,688

$7,945 CA$11.2K

-78.76%

Buy Apartment Outside City Center (m2)

$1,709 $1,709

$6,542 CA$9,249

-73.88%

Average Monthly Net Salary (After Tax)

$3,674 $3,674

$3,727 CA$5,269

-1.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

4.47

52.57%

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

Last update for Champaign, IL: October 11, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Champaign, IL

$1K 47%

Toronto

$1.4K 55.1% 38.8% $394

Monthly Utilities & Internet

Champaign, IL

$353 16.3%

Toronto

$201 7.8% 43.2% $153

Groceries & Markets

Champaign, IL

$316 14.6%

Toronto

$340 13.3% 7.4% $24

Eating Out

Champaign, IL

$264 12.2%

Toronto

$278 10.9% 5.2% $14

Clothing & Footwear

Champaign, IL

$129 * 6%

Toronto

$139 5.4% 7.8% $10

Sport & Entertainment

Champaign, IL

$48 2.2%

Toronto

$63 2.5% 33.1% $16

Getting Around

Champaign, IL

$35 1.6%

Toronto

$129 5.1% 272% $95

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,453 in Champaign, IL versus $1,592 in Toronto. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 1% higher in Toronto, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $61.0 in Champaign, IL versus $76.0 in Toronto. Monthly groceries follow the same trend: $316 vs $340 – making Champaign, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Champaign, IL

🇨🇦 Toronto

🕒 Local time

20:57 8:57 PM

21:57 9:57 PM

1 h ahead of Champaign, IL

🌤 Weather

👥 Population

88,302

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

On the map

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Between locations

Champaign, IL Toronto 830 km ≈ 1 h 30 min nonstop flight

From you

Champaign, IL
Toronto

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

Champaign, IL vs Toronto: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,161 in Champaign, IL, $2,561 in Toronto – roughly 18% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,241 per month in Champaign, IL and $3,841 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Champaign, IL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 7% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $61.0 in Champaign, IL and $76.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $3,000 monthly budget goes further in Champaign, IL, where all-in costs run around $2,161, than in Toronto at $2,561. In Champaign, IL it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Champaign, IL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Champaign, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.