Last update: Oct 2026

Cost of Living Comparison Between Fort Collins, CO and Toronto

For one person, living is cheaper in Toronto: $2,530 a month against $2,758 in Fort Collins, CO, rent and utilities included – about $2,700 less a year. Rent and utilities account for most of the difference.

134

Cost of Living Index in Fort Collins, CO
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Fort Collins, CO Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Fort Collins, CO

🇺🇸 United States

$2,758

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,758 in Fort Collins, CO versus $2,530 in Toronto.

Fort Collins, CO $2,758
Toronto $2,530

Estimated couple costs with rent: $4,111 in Fort Collins, CO versus $3,646 in Toronto.

Fort Collins, CO $4,111
Toronto $3,646

Monthly costs for a family of three with rent: $5,464 in Fort Collins, CO versus $4,761 in Toronto.

Fort Collins, CO $5,464
Toronto $4,761

Living in Fort Collins, CO is roughly 9% more expensive than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Fort Collins, CO 106% above, Toronto 89% above.

Meal at Budget Restaurant

$22.70 $22.70

$17.67 CA$25.19

28.47%

Three-Course Dinner for Two, Mid-Range

$80.7 $80.7

$77.4 CA$110

4.33%

Fast Food Meal (McDonalds, etc)

$11.26 $11.26

$10.47 CA$14.93

7.55%

Cappuccino

$6.17 $6.17

$4.08 CA$5.81

51.23%

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

$2.43 $2.43

$2.12 CA$3.02

14.62%

Water (0.33 liter bottle)

$2.07 $2.07

$1.76 CA$2.51

17.61%

Local Beer (0.5 liter draught)

$6.94 $6.94

$6.17 CA$8.80

12.48%

Imported Beer (0.33 liter bottle)

$6.99 $6.99

$6.89 CA$9.82

1.45%

Milk (1 liter)

$0.98 $0.98

$2.43 CA$3.46

-59.67%

White Bread (500g)

$2.99 $2.99

$2.75 CA$3.92

8.73%

Rice (white) (1kg)

$2.74 $2.74

$2.23 CA$3.18

22.87%

Eggs

$4.23 $4.23

$3.45 CA$4.91

22.61%

Local Cheese (1kg)

$10.88 $10.88

$8.93 CA$12.73

21.84%

Chicken Fillets (1kg)

$9.55 $9.55

$11.44 CA$16.31

-16.52%

Beef Round Steak (1kg)

$19.30 $19.30

$14.61 CA$20.83

32.10%

Apples (1kg)

$4.94 $4.94

$3.75 CA$5.34

31.73%

Banana (1kg)

$1.56 $1.56

$1.15 CA$1.64

35.65%

Oranges (1kg)

$4.66 $4.66

$3.55 CA$5.06

31.27%

Tomato (1kg)

$5.31 $5.31

$4.28 CA$6.10

24.07%

Potato (1kg)

$3.43 $3.43

$1.85 CA$2.63

85.41%

Onion (1kg)

$4.56 $4.56

$1.67 CA$2.38

173.05%

Lettuce (1 head)

$2.33 $2.33

$2.22 CA$3.16

4.95%

Water (1.5 liter bottle)

$1.76 $1.76

$1.21 CA$1.72

45.45%

Cigarettes 20 Pack (Marlboro, Camel)

$9.95 $9.95

$13.88 CA$19.78

-28.31%

Wine (Bottle)

$16.52 $16.52

$14.25 CA$20.31

15.93%

Local Beer (0.5 liter bottle)

$2.50 $2.50

$2.20 CA$3.13

13.64%

Imported Beer (0.33 liter bottle)

$2.72 $2.72

$2.42 CA$3.45

12.40%

One-way Ticket (Public Transport)

$2.42 CA$3.44

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$2.43 $2.43

$2.90 CA$4.13

-16.21%

Taxi (Normal Tariff) (1km)

$1.91 $1.91

$1.26 CA$1.80

51.59%

Taxi 1hour Waiting (Normal Tariff)

$25.40 $25.40

$22.03 CA$31.40

15.30%

Gasoline (1 liter)

$1.01 $1.01

$1.22 CA$1.74

-17.21%

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

$36.0K $36.0K

$27.6K CA$39.4K

30.28%

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

$25.1K $25.1K

$19.8K CA$28.3K

26.43%

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

$213 $213

$122 CA$174

74.92%

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

$57.2 $57.2

$32.03 CA$45.66

78.61%

Internet (50+ Mbps, Unlimited Data)

$68.9 $68.9

$47.92 CA$68.3

43.72%

Gym Membership (Monthly)

$55.6 $55.6

$38.90 CA$55.5

42.88%

Tennis Court (1 Hour on Weekend)

$29.66 $29.66

$23.24 CA$33.12

27.62%

Cinema Ticket

$11.98 $11.98

$12.61 CA$17.97

-5.00%

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

$1,294 $1,294

$834 CA$1,189

55.16%

International Primary School, 1 Child (Yearly)

$12.7K $12.7K

$23.3K CA$33.3K

-45.75%

Jeans (Levis 501 Or Similar)

$59.9 $59.9

$52.6 CA$75.0

13.84%

Summer Dress (H&M, Zara, etc)

$69.9 $69.9

$40.26 CA$57.4

73.57%

Sport Shoes (Adidas, Nike)

$79.5 $79.5

$96.2 CA$137

-17.35%

Men's Leather Business Shoes

$117 $117

$123 CA$175

-4.68%

1-bedroom Apartment, City Center (Monthly)

$1,851 $1,851

$1,598 CA$2,278

15.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,427 $1,427

$1,435 CA$2,045

-0.53%

3-bedroom Apartment, City Center (Monthly)

$2,733 $2,733

$2,657 CA$3,787

2.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,484 $2,484

$2,096 CA$2,988

18.49%

Buy Apartment in City Center (m2)

$3,012 $3,012

$8,033 CA$11.5K

-62.50%

Buy Apartment Outside City Center (m2)

$3,034 $3,034

$6,557 CA$9,347

-53.73%

Average Monthly Net Salary (After Tax)

$4,352 $4,352

$3,743 CA$5,335

16.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.77

4.47

51.45%

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

Last update for Fort Collins, CO: October 5, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Fort Collins, CO

$1.4K 52%

Toronto

$1.4K 55.4% 0.5% $7.5

Groceries & Markets

Fort Collins, CO

$386 14.1%

Toronto

$340 13.1% 11.9% $46

Eating Out

Fort Collins, CO

$356 13%

Toronto

$282 10.9% 20.8% $74

Monthly Utilities & Internet

Fort Collins, CO

$339 12.4%

Toronto

$202 7.8% 40.5% $137

Clothing & Footwear

Fort Collins, CO

$147 5.4%

Toronto

$140 5.4% 4.4% $6.5

Sport & Entertainment

Fort Collins, CO

$80 2.9%

Toronto

$64 2.5% 19.4% $15

Getting Around

Fort Collins, CO

$12 * 0.4%

Toronto

$130 5% 982% $118

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,851 in Fort Collins, CO and $1,598 in Toronto. Housing cost is often the main lever when comparing two cities.

Fort Collins, CO pays 16% 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: $81.0 in Fort Collins, CO vs $77.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $386 vs $340 per month, with Toronto cheaper across the board.

Good to know

🇺🇸 Fort Collins, CO

🇨🇦 Toronto

🕒 Local time

06:16 6:16 AM

08:16 8:16 AM

2 h ahead of Fort Collins, CO

🌤 Weather

👥 Population

148,612

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 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 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

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Between locations

Fort Collins, CO Toronto 2,140 km ≈ 3 h 15 min nonstop flight

From you

Fort Collins, CO
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

Fort Collins, CO vs Toronto: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 9% lower than in Fort Collins, CO. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

Average pay runs 16% higher in Fort Collins, CO, 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: $1,851 in Fort Collins, CO versus $1,598 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 14% higher in Fort Collins, CO. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,758 per month in Fort Collins, CO versus $2,530 in Toronto – a 9% 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 work as nomad bases, but Toronto delivers better value – similar infrastructure at $2,530 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Toronto hard to pass up.

Safety-wise, Fort Collins, CO 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 9% less than in Fort Collins, CO. Beyond cost, consider language, visa policies, and how big the international community is in each city.