Last update: Oct 2026

Cost of Living Comparison Between Duluth, MN and Toronto

For one person, living is cheaper in Duluth, MN: $2,226 a month against $2,561 in Toronto, rent and utilities included – about $4,000 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

108

Cost of Living Index in Duluth, MN
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Duluth, MN Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Duluth, MN

🇺🇸 United States

$2,226

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

A single person spends $2,226 per month in Duluth, MN vs $2,561 in Toronto, rent included.

Duluth, MN $2,226
Toronto $2,561

A couple spends around $3,559 per month in Duluth, MN vs $3,694 in Toronto, rent included.

Duluth, MN $3,559
Toronto $3,694

A family of three spends $4,892 per month in Duluth, MN vs $4,826 in Toronto, rent included.

Duluth, MN $4,892
Toronto $4,826

Duluth, MN is about 13% cheaper than Toronto, and outside of rent the biggest gap is in transport.

Both Duluth, MN and Toronto sit above the global median – Duluth, MN by 65%, Toronto by 90%.

Meal at Budget Restaurant

$19.97 $19.97

$17.18 CA$24.29

16.24%

Three-Course Dinner for Two, Mid-Range

$67.6 $67.6

$76.0 CA$107

-10.98%

Fast Food Meal (McDonalds, etc)

$9.92 $9.92

$10.54 CA$14.89

-5.88%

Cappuccino

$5.23 $5.23

$4.02 CA$5.68

30.10%

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

$2.58 $2.58

$2.12 CA$3.00

21.70%

Water (0.33 liter bottle)

$1.83 $1.83

$1.75 CA$2.48

4.57%

Local Beer (0.5 liter draught)

$6.67 $6.67

$6.24 CA$8.83

6.89%

Imported Beer (0.33 liter bottle)

$7.52 $7.52

$7.09 CA$10.02

6.06%

Milk (1 liter)

$0.84 $0.84

$2.44 CA$3.45

-65.57%

White Bread (500g)

$2.98 $2.98

$2.68 CA$3.78

11.19%

Rice (white) (1kg)

$3.79 $3.79

$2.24 CA$3.17

69.20%

Eggs

$3.64 $3.64

$3.56 CA$5.03

2.25%

Local Cheese (1kg)

$10.46 $10.46

$9.09 CA$12.85

15.07%

Chicken Fillets (1kg)

$10.30 $10.30

$11.33 CA$16.01

-9.09%

Beef Round Steak (1kg)

$19.35 $19.35

$14.53 CA$20.55

33.17%

Apples (1kg)

$5.01 $5.01

$3.62 CA$5.12

38.40%

Banana (1kg)

$1.48 $1.48

$1.21 CA$1.72

22.31%

Oranges (1kg)

$2.71 $2.71

$3.60 CA$5.09

-24.72%

Tomato (1kg)

$4.49 $4.49

$4.21 CA$5.96

6.65%

Potato (1kg)

$1.13 $1.13

$1.79 CA$2.53

-36.87%

Onion (1kg)

$2.17 $2.17

$1.59 CA$2.25

36.48%

Lettuce (1 head)

$1.12 $1.12

$2.27 CA$3.21

-50.66%

Water (1.5 liter bottle)

$1.47 $1.47

$1.25 CA$1.77

17.60%

Cigarettes 20 Pack (Marlboro, Camel)

$13.01 $13.01

$13.82 CA$19.53

-5.86%

Wine (Bottle)

$16.23 $16.23

$14.27 CA$20.18

13.74%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.20 CA$3.10

-20.45%

Imported Beer (0.33 liter bottle)

$2.73 $2.73

$2.43 CA$3.44

12.35%

One-way Ticket (Public Transport)

$1.84 $1.84

$2.39 CA$3.38

-23.01%

Public Transport Monthly Pass (Regular Price)

$40.13 $40.13

$111 CA$157

-63.82%

Taxi Start (Normal Tariff)

$4.89 $4.89

$2.91 CA$4.12

68.04%

Taxi (Normal Tariff) (1km)

$1.54 $1.54

$1.20 CA$1.69

28.33%

Taxi 1hour Waiting (Normal Tariff)

$23.91 $23.91

$21.38 CA$30.23

11.83%

Gasoline (1 liter)

$0.94 $0.94

$1.21 CA$1.71

-22.31%

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

$22.8K $22.8K

$28.2K CA$39.8K

-19.08%

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

$23.5K $23.5K

$20.3K CA$28.6K

16.25%

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

$176 $176

$120 CA$170

46.14%

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

$43.15 $43.15

$32.26 CA$45.60

33.76%

Internet (50+ Mbps, Unlimited Data)

$67.9 $67.9

$47.93 CA$67.8

41.62%

Gym Membership (Monthly)

$64.4 $64.4

$38.48 CA$54.4

67.26%

Tennis Court (1 Hour on Weekend)

$25.75 $25.75

$22.96 CA$32.46

12.15%

Cinema Ticket

$11.56 $11.56

$12.38 CA$17.50

-6.62%

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

$1,059 $1,059

$830 CA$1,173

27.61%

International Primary School, 1 Child (Yearly)

$10.2K $10.2K

$23.1K CA$32.6K

-55.91%

Jeans (Levis 501 Or Similar)

$59.0 $59.0

$50.7 CA$71.7

16.43%

Summer Dress (H&M, Zara, etc)

$44.85 $44.85

$40.02 CA$56.6

12.07%

Sport Shoes (Adidas, Nike)

$97.6 $97.6

$98.0 CA$139

-0.40%

Men's Leather Business Shoes

$84.2 $84.2

$121 CA$171

-30.24%

1-bedroom Apartment, City Center (Monthly)

$1,292 $1,292

$1,592 CA$2,251

-18.83%

1-bedroom Apartment, Outside City Center (Monthly)

$992 $992

$1,410 CA$1,994

-29.64%

3-bedroom Apartment, City Center (Monthly)

$2,296 $2,296

$2,670 CA$3,775

-13.99%

3-bedroom Apartment, Outside City Center (Monthly)

$2,157 $2,157

$2,152 CA$3,042

0.25%

Buy Apartment in City Center (m2)

$2,409 $2,409

$7,945 CA$11.2K

-69.69%

Buy Apartment Outside City Center (m2)

$2,310 $2,310

$6,542 CA$9,249

-64.69%

Average Monthly Net Salary (After Tax)

$3,726 $3,726

$3,727 CA$5,269

-0.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.19

4.47

38.48%

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

Last update for Duluth, MN: October 12, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Duluth, MN

$992 44.6%

Toronto

$1.4K 55.1% 42.1% $418

Groceries & Markets

Duluth, MN

$353 15.8%

Toronto

$340 13.3% 3.6% $13

Eating Out

Duluth, MN

$318 14.3%

Toronto

$278 10.9% 12.6% $40

Monthly Utilities & Internet

Duluth, MN

$287 12.9%

Toronto

$201 7.8% 30.1% $86

Clothing & Footwear

Duluth, MN

$129 5.8%

Toronto

$139 5.4% 8.3% $11

Sport & Entertainment

Duluth, MN

$87 3.9%

Toronto

$63 2.5% 27.7% $24

Getting Around

Duluth, MN

$60 2.7%

Toronto

$129 5.1% 115% $69

Cost Breakdown

A central one-bedroom costs $1,292 in Duluth, MN 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 0% 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 $68.0 in Duluth, MN versus $76.0 in Toronto. Groceries tell a different story – $353 in Duluth, MN vs $340 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Duluth, MN

🇨🇦 Toronto

🕒 Local time

22:23 10:23 PM

23:23 11:23 PM

1 h ahead of Duluth, MN

🌤 Weather

👥 Population

86,265

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 →

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Between locations

Duluth, MN Toronto 1,050 km ≈ 1 h 45 min nonstop flight

From you

Duluth, MN
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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

Duluth, MN vs Toronto: Cost of Living - Frequently Asked Questions

Yes – Toronto is pricier by about 15%, and outside of rent the gap shows up most in transport.

For a comfortable life, plan on about $3,339 per month in Duluth, MN 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 Duluth, MN, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,226 in Duluth, MN and $2,561 in Toronto. That's a gap of about 15%.

Public transport costs about 176% less in Duluth, MN. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Duluth, MN, where all-in costs run around $2,226, than in Toronto at $2,561. In Duluth, MN it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Duluth, MN – 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 Duluth, MN. 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.