Last update: Oct 2026

Cost of Living Comparison Between Fargo, ND and Toronto

For one person, living is cheaper in Fargo, ND: $2,026 a month against $2,610 in Toronto, rent and utilities included – about $7,000 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

97

Cost of Living Index in Fargo, ND
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Fargo, ND Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Fargo, ND

🇺🇸 United States

$2,026

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

A single person spends $2,026 per month in Fargo, ND vs $2,610 in Toronto, rent included.

Fargo, ND $2,026
Toronto $2,610

A couple spends around $3,226 per month in Fargo, ND vs $3,727 in Toronto, rent included.

Fargo, ND $3,226
Toronto $3,727

A family of three spends $4,426 per month in Fargo, ND vs $4,844 in Toronto, rent included.

Fargo, ND $4,426
Toronto $4,844

Fargo, ND is about 22% cheaper than Toronto, and outside of rent the biggest gap is in groceries.

Both Fargo, ND and Toronto sit above the global median – Fargo, ND by 49%, Toronto by 93%.

Meal at Budget Restaurant

$17.26 $17.26

$17.59 CA$24.87

-1.88%

Three-Course Dinner for Two, Mid-Range

$60.7 $60.7

$78.8 CA$111

-23.00%

Fast Food Meal (McDonalds, etc)

$11.73 $11.73

$10.73 CA$15.16

9.32%

Cappuccino

$5.15 $5.15

$4.09 CA$5.78

25.92%

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

$2.58 $2.58

$2.10 CA$2.97

22.86%

Water (0.33 liter bottle)

$2.04 $2.04

$1.72 CA$2.43

18.60%

Local Beer (0.5 liter draught)

$5.34 $5.34

$6.36 CA$8.99

-16.04%

Imported Beer (0.33 liter bottle)

$9.13 $9.13

$7.08 CA$10.01

28.95%

Milk (1 liter)

$1.27 $1.27

$2.54 CA$3.59

-50.00%

White Bread (500g)

$3.52 $3.52

$2.72 CA$3.85

29.41%

Rice (white) (1kg)

$7.52 $7.52

$2.18 CA$3.09

244.95%

Eggs

$4.04 $4.04

$3.63 CA$5.13

11.29%

Local Cheese (1kg)

$14.80 $14.80

$9.46 CA$13.37

56.45%

Chicken Fillets (1kg)

$15.50 $15.50

$11.54 CA$16.32

34.32%

Beef Round Steak (1kg)

$21.19 $21.19

$14.37 CA$20.32

47.46%

Apples (1kg)

$10.51 $10.51

$3.70 CA$5.23

184.05%

Banana (1kg)

$2.36 $2.36

$1.19 CA$1.68

98.32%

Oranges (1kg)

$6.59 $6.59

$3.46 CA$4.90

90.46%

Tomato (1kg)

$5.44 $5.44

$4.22 CA$5.97

28.91%

Potato (1kg)

$4.87 $4.87

$1.79 CA$2.52

172.07%

Onion (1kg)

$3.81 $3.81

$1.65 CA$2.33

130.91%

Lettuce (1 head)

$2.01 $2.01

$2.20 CA$3.11

-8.64%

Water (1.5 liter bottle)

$2.62 $2.62

$1.26 CA$1.78

107.94%

Cigarettes 20 Pack (Marlboro, Camel)

$8.77 $8.77

$13.97 CA$19.75

-37.22%

Wine (Bottle)

$18.54 $18.54

$14.20 CA$20.07

30.56%

Local Beer (0.5 liter bottle)

$2.54 $2.54

$2.25 CA$3.18

12.89%

Imported Beer (0.33 liter bottle)

$5.44 $5.44

$2.53 CA$3.58

115.02%

One-way Ticket (Public Transport)

$1.47 $1.47

$2.32 CA$3.28

-36.64%

Public Transport Monthly Pass (Regular Price)

$41.33 $41.33

$112 CA$158

-62.98%

Taxi Start (Normal Tariff)

$4.52 $4.52

$3.06 CA$4.33

47.71%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

Gasoline (1 liter)

$0.98 $0.98

$1.21 CA$1.72

-19.01%

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

$27.0K $27.0K

$26.1K CA$37.0K

3.16%

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

$25.9K $25.9K

$21.1K CA$29.9K

22.48%

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

$136 $136

$120 CA$169

13.50%

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

$58.2 $58.2

$32.21 CA$45.54

80.66%

Internet (50+ Mbps, Unlimited Data)

$57.3 $57.3

$48.88 CA$69.1

17.23%

Gym Membership (Monthly)

$57.1 $57.1

$39.34 CA$55.6

45.22%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$13.79 $13.79

$12.58 CA$17.79

9.62%

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

$1,244 $1,244

$832 CA$1,176

49.59%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

Jeans (Levis 501 Or Similar)

$51.0 $51.0

$52.3 CA$73.9

-2.39%

Summer Dress (H&M, Zara, etc)

$45.99 $45.99

$39.44 CA$55.8

16.61%

Sport Shoes (Adidas, Nike)

$84.7 $84.7

$99.0 CA$140

-14.47%

Men's Leather Business Shoes

$103 $103

$122 CA$172

-15.28%

1-bedroom Apartment, City Center (Monthly)

$954 $954

$1,631 CA$2,306

-41.56%

1-bedroom Apartment, Outside City Center (Monthly)

$689 $689

$1,448 CA$2,048

-52.43%

3-bedroom Apartment, City Center (Monthly)

$2,252 $2,252

$2,737 CA$3,869

-17.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,452 $1,452

$2,129 CA$3,010

-31.80%

Buy Apartment in City Center (m2)

$1,898 $1,898

$8,206 CA$11.6K

-76.88%

Buy Apartment Outside City Center (m2)

$1,673 $1,673

$6,838 CA$9,666

-75.54%

Average Monthly Net Salary (After Tax)

$3,824 $3,824

$3,520 CA$4,976

8.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

4.47

43.85%

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

Last update for Fargo, ND: October 20, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Fargo, ND

$689 34%

Toronto

$1.4K 55.5% 110% $759

Groceries & Markets

Fargo, ND

$522 25.8%

Toronto

$343 13.1% 34.3% $179

Eating Out

Fargo, ND

$299 14.7%

Toronto

$283 10.9% 5.1% $15

Monthly Utilities & Internet

Fargo, ND

$251 12.4%

Toronto

$201 7.7% 20.1% $51

Clothing & Footwear

Fargo, ND

$128 6.3%

Toronto

$141 5.4% 9.7% $12

Sport & Entertainment

Fargo, ND

$85 4.2%

Toronto

$65 2.5% 23.9% $20

Getting Around

Fargo, ND

$52 * 2.6%

Toronto

$130 5% 152% $78

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

Cost Breakdown

A central one-bedroom costs $954 in Fargo, ND versus $1,631 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 9% higher in Fargo, ND, 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 $61.0 in Fargo, ND versus $79.0 in Toronto. Groceries tell a different story – $522 in Fargo, ND vs $343 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Fargo, ND

🇨🇦 Toronto

🕒 Local time

02:33 2:33 AM

03:33 3:33 AM

1 h ahead of Fargo, ND

🌤 Weather

👥 Population

90,056

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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 22, 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

Fargo, ND Toronto 1,410 km ≈ 2 h 15 min nonstop flight

From you

Fargo, ND
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

Fargo, ND vs Toronto: Cost of Living - Frequently Asked Questions

Toronto costs about 29% more than Fargo, ND, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,038 per month in Fargo, ND and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Fargo, ND, 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 $61.0 in Fargo, ND and $79.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,026 in Fargo, ND and $2,610 in Toronto. That's a gap of about 29%.

A $2,000 monthly budget goes further in Fargo, ND, where all-in costs run around $2,026, than in Toronto at $2,610. In Fargo, ND it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Fargo, ND costs $2,026 versus $2,610 in Toronto. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Fargo, ND. 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.