Last update: Oct 2026

Cost of Living Comparison Between Clovis, NM and Toronto

For one person, living is cheaper in Clovis, NM: $2,024 a month against $2,561 in Toronto, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

99

Cost of Living Index in Clovis, NM
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Clovis, NM Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Clovis, NM

🇺🇸 United States

$2,024

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

How much you'll spend in Clovis, NM 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 Clovis, NM and in Toronto actually costs, broken down by who's living it.

A single person spends $2,024 per month in Clovis, NM vs $2,561 in Toronto, rent included.

Clovis, NM $2,024
Toronto $2,561

A couple spends around $2,914 per month in Clovis, NM vs $3,694 in Toronto, rent included.

Clovis, NM $2,914
Toronto $3,694

A family of three spends $3,805 per month in Clovis, NM vs $4,826 in Toronto, rent included.

Clovis, NM $3,805
Toronto $4,826

Clovis, NM is about 21% cheaper than Toronto, and outside of rent the biggest gap is in transport.

Both Clovis, NM and Toronto sit above the global median – Clovis, NM by 50%, Toronto by 90%.

Meal at Budget Restaurant

$17.20 $17.20

$17.18 CA$24.29

0.12%

Three-Course Dinner for Two, Mid-Range

$76.2 $76.2

$76.0 CA$107

0.33%

Fast Food Meal (McDonalds, etc)

$10.45 $10.45

$10.54 CA$14.89

-0.85%

Cappuccino

$5.75 $5.75

$4.02 CA$5.68

43.03%

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

$2.91 $2.91

$2.12 CA$3.00

37.26%

Water (0.33 liter bottle)

$2.32 $2.32

$1.75 CA$2.48

32.57%

Local Beer (0.5 liter draught)

$5.53 $5.53

$6.24 CA$8.83

-11.38%

Imported Beer (0.33 liter bottle)

$7.14 $7.14

$7.09 CA$10.02

0.71%

Milk (1 liter)

$0.73 $0.73

$2.44 CA$3.45

-70.08%

White Bread (500g)

$4.22 $4.22

$2.68 CA$3.78

57.46%

Rice (white) (1kg)

$5.62 $5.62

$2.24 CA$3.17

150.89%

Eggs

$4.15 $4.15

$3.56 CA$5.03

16.57%

Local Cheese (1kg)

$16.80 $16.80

$9.09 CA$12.85

84.82%

Chicken Fillets (1kg)

$21.18 $21.18

$11.33 CA$16.01

86.94%

Beef Round Steak (1kg)

$16.69 $16.69

$14.53 CA$20.55

14.87%

Apples (1kg)

$3.18 $3.18

$3.62 CA$5.12

-12.15%

Banana (1kg)

$1.26 $1.26

$1.21 CA$1.72

4.13%

Oranges (1kg)

$2.92 $2.92

$3.60 CA$5.09

-18.89%

Tomato (1kg)

$2.10 $2.10

$4.21 CA$5.96

-50.12%

Potato (1kg)

$1.54 $1.54

$1.79 CA$2.53

-13.97%

Onion (1kg)

$2.03 $2.03

$1.59 CA$2.25

27.67%

Lettuce (1 head)

$1.86 $1.86

$2.27 CA$3.21

-18.06%

Water (1.5 liter bottle)

$2.51 $2.51

$1.25 CA$1.77

100.80%

Cigarettes 20 Pack (Marlboro, Camel)

$10.45 $10.45

$13.82 CA$19.53

-24.38%

Wine (Bottle)

$16.06 $16.06

$14.27 CA$20.18

12.54%

Local Beer (0.5 liter bottle)

$2.03 $2.03

$2.20 CA$3.10

-7.73%

Imported Beer (0.33 liter bottle)

$4.18 $4.18

$2.43 CA$3.44

72.02%

One-way Ticket (Public Transport)

$2.39 CA$3.38

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

Gasoline (1 liter)

$1.02 $1.02

$1.21 CA$1.71

-15.70%

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

$31.2K $31.2K

$28.2K CA$39.8K

10.56%

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

$24.9K $24.9K

$20.3K CA$28.6K

23.04%

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

$251 $251

$120 CA$170

108.52%

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

$45.35 $45.35

$32.26 CA$45.60

40.58%

Internet (50+ Mbps, Unlimited Data)

$95.3 $95.3

$47.93 CA$67.8

98.83%

Gym Membership (Monthly)

$38.48 CA$54.4

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$17.95 $17.95

$12.38 CA$17.50

44.99%

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

$1,338 $1,338

$830 CA$1,173

61.23%

International Primary School, 1 Child (Yearly)

$15.4K $15.4K

$23.1K CA$32.6K

-33.19%

Jeans (Levis 501 Or Similar)

$60.2 $60.2

$50.7 CA$71.7

18.69%

Summer Dress (H&M, Zara, etc)

$57.2 $57.2

$40.02 CA$56.6

43.00%

Sport Shoes (Adidas, Nike)

$81.0 $81.0

$98.0 CA$139

-17.31%

Men's Leather Business Shoes

$121 CA$171

1-bedroom Apartment, City Center (Monthly)

$952 $952

$1,592 CA$2,251

-40.23%

1-bedroom Apartment, Outside City Center (Monthly)

$768 $768

$1,410 CA$1,994

-45.52%

3-bedroom Apartment, City Center (Monthly)

$1,316 $1,316

$2,670 CA$3,775

-50.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,121 $1,121

$2,152 CA$3,042

-47.91%

Buy Apartment in City Center (m2)

$1,406 $1,406

$7,945 CA$11.2K

-82.31%

Buy Apartment Outside City Center (m2)

$1,373 $1,373

$6,542 CA$9,249

-79.01%

Average Monthly Net Salary (After Tax)

$5,252 $5,252

$3,727 CA$5,269

40.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.75

4.47

6.26%

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

Last update for Clovis, NM: October 10, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Clovis, NM

$768 38%

Toronto

$1.4K 55.1% 83.6% $642

Groceries & Markets

Clovis, NM

$438 21.6%

Toronto

$340 13.3% 22.4% $98

Monthly Utilities & Internet

Clovis, NM

$392 19.4%

Toronto

$201 7.8% 48.8% $191

Eating Out

Clovis, NM

$301 14.9%

Toronto

$278 10.9% 7.5% $23

Clothing & Footwear

Clovis, NM

$89 * 4.4%

Toronto

$139 5.4% 55.9% $50

Sport & Entertainment

Clovis, NM

$36 * 1.8%

Toronto

$63 2.5% 76.1% $27

Getting Around

Clovis, NM

- * 0%

Toronto

$129 5.1%

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

Cost Breakdown

A central one-bedroom costs $952 in Clovis, NM 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 41% higher in Clovis, NM, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $76.0 in Clovis, NM versus $76.0 in Toronto. Groceries tell a different story – $438 in Clovis, NM vs $340 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Clovis, NM

🇨🇦 Toronto

🕒 Local time

16:48 4:48 PM

18:48 6:48 PM

2 h ahead of Clovis, NM

🌤 Weather

👥 Population

38,567

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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

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).

CAD to USD in detail →

On the map

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Between locations

Clovis, NM Toronto 2,290 km ≈ 3 h 15 min nonstop flight

From you

Clovis, NM
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

Clovis, NM vs Toronto: Cost of Living - Frequently Asked Questions

Toronto costs about 27% more than Clovis, NM, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,035 per month in Clovis, NM 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 Clovis, NM, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

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

Interestingly, groceries are about 29% cheaper in Toronto – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $2,000 monthly budget goes further in Clovis, NM, where all-in costs run around $2,024, than in Toronto at $2,561. In Clovis, NM it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Clovis, NM – 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 Clovis, NM. 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.