Last update: Oct 2026

Cost of Living Comparison Between Fort Walton Beach, FL and Montreal

For one person, living is cheaper in Montreal: $2,018 a month against $2,162 in Fort Walton Beach, FL, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Fort Walton Beach, FL outweigh lower spending on other living expenses.

105

Cost of Living Index in Fort Walton Beach, FL
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Fort Walton Beach, FL Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Fort Walton Beach, FL

🇺🇸 United States

$2,162

/mo nomad

Montreal

🇨🇦 Canada

$2,018

/mo nomad

Monthly Cost of Living

How much you'll spend in Fort Walton Beach, FL and in Montreal

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Fort Walton Beach, FL and in Montreal actually costs, broken down by who's living it.

A single person spends $2,162 per month in Fort Walton Beach, FL vs $2,018 in Montreal, rent included.

Fort Walton Beach, FL $2,162
Montreal $2,018

A couple spends around $3,344 per month in Fort Walton Beach, FL vs $3,085 in Montreal, rent included.

Fort Walton Beach, FL $3,344
Montreal $3,085

A family of three spends $4,526 per month in Fort Walton Beach, FL vs $4,152 in Montreal, rent included.

Fort Walton Beach, FL $4,526
Montreal $4,152

Fort Walton Beach, FL costs about 7% more than Montreal, and outside of rent the biggest gap is in groceries.

Both Fort Walton Beach, FL and Montreal sit above the global median – Fort Walton Beach, FL by 60%, Montreal by 49%.

Meal at Budget Restaurant

$14.82 $14.82

$18.82 CA$26.61

-21.25%

Three-Course Dinner for Two, Mid-Range

$80.0 $80.0

$70.3 CA$99.4

13.79%

Fast Food Meal (McDonalds, etc)

$10.38 $10.38

$10.66 CA$15.06

-2.63%

Cappuccino

$4.92 $4.92

$3.84 CA$5.43

28.13%

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

$2.62 $2.62

$1.92 CA$2.71

36.46%

Water (0.33 liter bottle)

$2.03 $2.03

$1.54 CA$2.18

31.82%

Local Beer (0.5 liter draught)

$4.89 $4.89

$6.23 CA$8.81

-21.51%

Imported Beer (0.33 liter bottle)

$7.05 $7.05

$7.10 CA$10.03

-0.70%

Milk (1 liter)

$1.03 $1.03

$2.31 CA$3.27

-55.41%

White Bread (500g)

$2.86 $2.86

$3.14 CA$4.44

-8.92%

Rice (white) (1kg)

$2.02 $2.02

$3.21 CA$4.54

-37.07%

Eggs

$3.02 $3.02

$3.52 CA$4.97

-14.20%

Local Cheese (1kg)

$11.40 $11.40

$12.81 CA$18.11

-11.01%

Chicken Fillets (1kg)

$9.88 $9.88

$11.46 CA$16.20

-13.79%

Beef Round Steak (1kg)

$14.01 $14.01

$13.39 CA$18.92

4.63%

Apples (1kg)

$3.55 $3.55

$3.14 CA$4.43

13.06%

Banana (1kg)

$1.57 $1.57

$1.44 CA$2.03

9.03%

Oranges (1kg)

$3.24 $3.24

$3.47 CA$4.91

-6.63%

Tomato (1kg)

$2.87 $2.87

$3.07 CA$4.34

-6.51%

Potato (1kg)

$1.43 $1.43

$1.90 CA$2.69

-24.74%

Onion (1kg)

$2.05 $2.05

$1.77 CA$2.50

15.82%

Lettuce (1 head)

$1.75 $1.75

$2.34 CA$3.31

-25.21%

Water (1.5 liter bottle)

$1.51 $1.51

$1.55 CA$2.19

-2.58%

Cigarettes 20 Pack (Marlboro, Camel)

$9.20 $9.20

$11.38 CA$16.09

-19.16%

Wine (Bottle)

$8.75 $8.75

$10.63 CA$15.03

-17.69%

Local Beer (0.5 liter bottle)

$1.85 $1.85

$2.27 CA$3.21

-18.50%

Imported Beer (0.33 liter bottle)

$2.03 $2.03

$2.82 CA$3.99

-28.01%

One-way Ticket (Public Transport)

$2.03 $2.03

$2.66 CA$3.76

-23.68%

Public Transport Monthly Pass (Regular Price)

$49.66 $49.66

$77.3 CA$109

-35.75%

Taxi Start (Normal Tariff)

$6.14 $6.14

$3.20 CA$4.53

91.87%

Taxi (Normal Tariff) (1km)

$1.82 $1.82

$1.48 CA$2.09

22.97%

Taxi 1hour Waiting (Normal Tariff)

$45.52 $45.52

$32.88 CA$46.48

38.44%

Gasoline (1 liter)

$0.95 $0.95

$1.34 CA$1.90

-29.10%

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

$26.6K $26.6K

$28.2K CA$39.8K

-5.51%

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

$25.2K $25.2K

$19.6K CA$27.8K

28.52%

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

$171 $171

$76.0 CA$107

125.37%

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

$49.37 $49.37

$33.95 CA$48.00

45.42%

Internet (50+ Mbps, Unlimited Data)

$64.5 $64.5

$42.31 CA$59.8

52.40%

Gym Membership (Monthly)

$46.91 $46.91

$29.76 CA$42.07

57.63%

Tennis Court (1 Hour on Weekend)

$20.28 CA$28.67

Cinema Ticket

$13.39 $13.39

$11.15 CA$15.77

20.09%

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

$826 $826

$507 CA$717

62.84%

International Primary School, 1 Child (Yearly)

$13.5K $13.5K

$16.1K CA$22.7K

-15.69%

Jeans (Levis 501 Or Similar)

$30.36 $30.36

$57.6 CA$81.4

-47.25%

Summer Dress (H&M, Zara, etc)

$19.91 $19.91

$37.58 CA$53.1

-47.02%

Sport Shoes (Adidas, Nike)

$95.8 $95.8

$91.9 CA$130

4.28%

Men's Leather Business Shoes

$105 $105

$110 CA$155

-4.07%

1-bedroom Apartment, City Center (Monthly)

$1,643 $1,643

$1,260 CA$1,782

30.38%

1-bedroom Apartment, Outside City Center (Monthly)

$1,048 $1,048

$948 CA$1,340

10.61%

3-bedroom Apartment, City Center (Monthly)

$2,842 $2,842

$2,137 CA$3,021

33.01%

3-bedroom Apartment, Outside City Center (Monthly)

$2,008 $2,008

$1,614 CA$2,281

24.43%

Buy Apartment in City Center (m2)

$4,773 $4,773

$4,960 CA$7,011

-3.77%

Buy Apartment Outside City Center (m2)

$5,105 $5,105

$3,838 CA$5,425

33.03%

Average Monthly Net Salary (After Tax)

$3,269 $3,269

$2,827 CA$3,997

15.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

4.48

43.30%

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

Last update for Fort Walton Beach, FL: October 13, 2026

Last update for Montreal: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Fort Walton Beach, FL

$1K 48.5%

Montreal

$948 47% 9.6% $101

Groceries & Markets

Fort Walton Beach, FL

$304 14%

Montreal

$346 17.2% 14.1% $43

Monthly Utilities & Internet

Fort Walton Beach, FL

$285 13.2%

Montreal

$152 7.5% 46.6% $133

Eating Out

Fort Walton Beach, FL

$266 12.3%

Montreal

$288 14.3% 8.3% $22

Clothing & Footwear

Fort Walton Beach, FL

$113 5.2%

Montreal

$133 6.6% 18.1% $20

Sport & Entertainment

Fort Walton Beach, FL

$74 3.4%

Montreal

$52 2.6% 29.4% $22

Getting Around

Fort Walton Beach, FL

$73 3.4%

Montreal

$99 4.9% 34.9% $26

Cost Breakdown

A central one-bedroom costs $1,643 in Fort Walton Beach, FL versus $1,260 in Montreal. 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 16% higher in Fort Walton Beach, FL, 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 $80.0 in Fort Walton Beach, FL versus $70.0 in Montreal. Groceries tell a different story – $304 in Fort Walton Beach, FL vs $346 in Montreal – so Fort Walton Beach, FL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Fort Walton Beach, FL

🇨🇦 Montreal

🕒 Local time

13:41 1:41 PM

14:41 2:41 PM

1 h ahead of Fort Walton Beach, FL

🌤 Weather

👥 Population

19,507

1,762,949

💱 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 →

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Fort Walton Beach, FL Montreal 2,030 km ≈ 3 h nonstop flight

From you

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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

Fort Walton Beach, FL vs Montreal: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,162 in Fort Walton Beach, FL, $2,018 in Montreal – roughly 7% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,244 per month in Fort Walton Beach, FL and $3,027 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montreal, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Interestingly, groceries are about 14% cheaper in Fort Walton Beach, FL – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $80.0 in Fort Walton Beach, FL and $70.0 in Montreal. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,018, than in Fort Walton Beach, FL at $2,162. In Montreal it covers expenses comfortably, while in Fort Walton Beach, FL it requires careful planning or may not stretch far enough.

It depends on your priorities. Montreal has an edge in some lifestyle areas, with costs from $2,018 in Montreal to $2,162 in Fort Walton Beach, FL. Climate, culture, job market, and personal taste all factor in.

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 Montreal. If higher salaries, better infrastructure, or specific career opportunities are the priority, Fort Walton Beach, FL makes more sense. Both are solid long-term options with distinct trade-offs.