Last update: Oct 2026

Cost of Living Comparison Between Concord, CA and Toronto

For one person, living is cheaper in Toronto: $2,561 a month against $3,079 in Concord, CA, rent and utilities included – about $6,200 less a year. Rent and utilities account for about half of the difference.

151

Cost of Living Index in Concord, CA
Learn more

Concord, CA Living Index
125

Cost of Living Index in Toronto
Learn more

Toronto Living Index

Jump to prices

Concord, CA

🇺🇸 United States

$3,079

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,079 in Concord, CA versus $2,561 in Toronto.

Concord, CA $3,079
Toronto $2,561

Estimated couple costs with rent: $4,627 in Concord, CA versus $3,694 in Toronto.

Concord, CA $4,627
Toronto $3,694

Monthly costs for a family of three with rent: $6,175 in Concord, CA versus $4,826 in Toronto.

Concord, CA $6,175
Toronto $4,826

Living in Concord, CA is roughly 20% more expensive than in Toronto, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Concord, CA 128% above, Toronto 90% above.

Meal at Budget Restaurant

$24.98 $24.98

$17.18 CA$24.29

45.40%

Three-Course Dinner for Two, Mid-Range

$79.0 $79.0

$76.0 CA$107

3.96%

Fast Food Meal (McDonalds, etc)

$15.14 $15.14

$10.54 CA$14.89

43.64%

Cappuccino

$5.98 $5.98

$4.02 CA$5.68

48.76%

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

$3.27 $3.27

$2.12 CA$3.00

54.25%

Water (0.33 liter bottle)

$2.62 $2.62

$1.75 CA$2.48

49.71%

Local Beer (0.5 liter draught)

$9.03 $9.03

$6.24 CA$8.83

44.71%

Imported Beer (0.33 liter bottle)

$8.23 $8.23

$7.09 CA$10.02

16.08%

Milk (1 liter)

$1.32 $1.32

$2.44 CA$3.45

-45.90%

White Bread (500g)

$4.33 $4.33

$2.68 CA$3.78

61.57%

Rice (white) (1kg)

$4.70 $4.70

$2.24 CA$3.17

109.82%

Eggs

$5.53 $5.53

$3.56 CA$5.03

55.34%

Local Cheese (1kg)

$24.74 $24.74

$9.09 CA$12.85

172.17%

Chicken Fillets (1kg)

$11.65 $11.65

$11.33 CA$16.01

2.82%

Beef Round Steak (1kg)

$13.28 $13.28

$14.53 CA$20.55

-8.60%

Apples (1kg)

$5.39 $5.39

$3.62 CA$5.12

48.90%

Banana (1kg)

$2.54 $2.54

$1.21 CA$1.72

109.92%

Oranges (1kg)

$4.76 $4.76

$3.60 CA$5.09

32.22%

Tomato (1kg)

$5.88 $5.88

$4.21 CA$5.96

39.67%

Potato (1kg)

$3.40 $3.40

$1.79 CA$2.53

89.94%

Onion (1kg)

$3.85 $3.85

$1.59 CA$2.25

142.14%

Lettuce (1 head)

$2.46 $2.46

$2.27 CA$3.21

8.37%

Water (1.5 liter bottle)

$2.63 $2.63

$1.25 CA$1.77

110.40%

Cigarettes 20 Pack (Marlboro, Camel)

$7.56 $7.56

$13.82 CA$19.53

-45.30%

Wine (Bottle)

$12.82 $12.82

$14.27 CA$20.18

-10.16%

Local Beer (0.5 liter bottle)

$1.98 $1.98

$2.20 CA$3.10

-10.00%

Imported Beer (0.33 liter bottle)

$2.47 $2.47

$2.43 CA$3.44

1.65%

One-way Ticket (Public Transport)

$2.49 $2.49

$2.39 CA$3.38

4.18%

Public Transport Monthly Pass (Regular Price)

$59.4 $59.4

$111 CA$157

-46.50%

Taxi Start (Normal Tariff)

$3.47 $3.47

$2.91 CA$4.12

19.24%

Taxi (Normal Tariff) (1km)

$1.91 $1.91

$1.20 CA$1.69

59.17%

Taxi 1hour Waiting (Normal Tariff)

$39.88 $39.88

$21.38 CA$30.23

86.53%

Gasoline (1 liter)

$1.47 $1.47

$1.21 CA$1.71

21.49%

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

$30.2K $30.2K

$28.2K CA$39.8K

7.03%

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

$26.5K $26.5K

$20.3K CA$28.6K

31.06%

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

$139 $139

$120 CA$170

15.56%

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

$43.06 $43.06

$32.26 CA$45.60

33.48%

Internet (50+ Mbps, Unlimited Data)

$63.6 $63.6

$47.93 CA$67.8

32.78%

Gym Membership (Monthly)

$98.4 $98.4

$38.48 CA$54.4

155.82%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$14.83 $14.83

$12.38 CA$17.50

19.79%

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

$2,270 $2,270

$830 CA$1,173

173.50%

International Primary School, 1 Child (Yearly)

$24.0K $24.0K

$23.1K CA$32.6K

3.90%

Jeans (Levis 501 Or Similar)

$51.5 $51.5

$50.7 CA$71.7

1.50%

Summer Dress (H&M, Zara, etc)

$40.78 $40.78

$40.02 CA$56.6

1.90%

Sport Shoes (Adidas, Nike)

$73.9 $73.9

$98.0 CA$139

-24.56%

Men's Leather Business Shoes

$61.0 $61.0

$121 CA$171

-49.44%

1-bedroom Apartment, City Center (Monthly)

$2,315 $2,315

$1,592 CA$2,251

45.41%

1-bedroom Apartment, Outside City Center (Monthly)

$1,658 $1,658

$1,410 CA$1,994

17.56%

3-bedroom Apartment, City Center (Monthly)

$3,534 $3,534

$2,670 CA$3,775

32.35%

3-bedroom Apartment, Outside City Center (Monthly)

$2,968 $2,968

$2,152 CA$3,042

37.93%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$4,847 $4,847

$3,727 CA$5,269

30.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.66

4.47

48.99%

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

Last update for Concord, CA: October 13, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Concord, CA

$1.7K 53.9%

Toronto

$1.4K 55.1% 14.9% $248

Groceries & Markets

Concord, CA

$460 14.9%

Toronto

$340 13.3% 26.2% $120

Eating Out

Concord, CA

$402 13.1%

Toronto

$278 10.9% 30.8% $124

Monthly Utilities & Internet

Concord, CA

$246 8%

Toronto

$201 7.8% 18.4% $45

Sport & Entertainment

Concord, CA

$128 4.2%

Toronto

$63 2.5% 50.6% $65

Clothing & Footwear

Concord, CA

$102 3.3%

Toronto

$139 5.4% 36.2% $37

Getting Around

Concord, CA

$82 2.7%

Toronto

$129 5.1% 57.2% $47

Cost Breakdown

A one-bedroom apartment in the center runs $2,315 in Concord, CA and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Concord, CA pays 30% 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: $79.0 in Concord, CA vs $76.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $460 vs $340 per month, with Toronto cheaper across the board.

Good to know

🇺🇸 Concord, CA

🇨🇦 Toronto

🕒 Local time

08:12 8:12 AM

11:12 11:12 AM

3 h ahead of Concord, CA

🌤 Weather

👥 Population

42,695

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

Lowest

Highest

Between locations

Concord, CA Toronto 3,600 km ≈ 5 h nonstop flight

From you

Concord, CA
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

Concord, CA vs Toronto: Cost of Living - Frequently Asked Questions

Concord, CA and Toronto differ by about 20% in total monthly costs ($3,079 vs $2,561 including rent). Toronto is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 30% higher in Concord, CA, 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: $2,315 in Concord, CA versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Toronto – a meal for two runs $76.0 versus $79.0 in Concord, CA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $3,079 per month in Concord, CA versus $2,561 in Toronto – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto 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.

Safety-wise, Concord, CA and Toronto are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Toronto gentler on the wallet – expenses run 20% less than in Concord, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.