Last update: Oct 2026

Cost of Living Comparison Between Gallup, NM and Toronto

For one person, living is cheaper in Gallup, NM: $2,056 a month against $2,610 in Toronto, rent and utilities included – about $6,600 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

99

Cost of Living Index in Gallup, NM
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Gallup, NM Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Gallup, NM

🇺🇸 United States

$2,056

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,056 in Gallup, NM versus $2,610 in Toronto.

Gallup, NM $2,056
Toronto $2,610

Estimated couple costs with rent: $3,041 in Gallup, NM versus $3,727 in Toronto.

Gallup, NM $3,041
Toronto $3,727

Monthly costs for a family of three with rent: $4,027 in Gallup, NM versus $4,844 in Toronto.

Gallup, NM $4,027
Toronto $4,844

Living in Gallup, NM costs roughly 21% less than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Gallup, NM 52% above, Toronto 93% above.

Meal at Budget Restaurant

$17.33 $17.33

$17.59 CA$24.87

-1.48%

Three-Course Dinner for Two, Mid-Range

$78.8 $78.8

$78.8 CA$111

-0.06%

Fast Food Meal (McDonalds, etc)

$11.90 $11.90

$10.73 CA$15.16

10.90%

Cappuccino

$5.50 $5.50

$4.09 CA$5.78

34.47%

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

$2.88 $2.88

$2.10 CA$2.97

37.14%

Water (0.33 liter bottle)

$2.39 $2.39

$1.72 CA$2.43

38.95%

Local Beer (0.5 liter draught)

$6.21 $6.21

$6.36 CA$8.99

-2.36%

Imported Beer (0.33 liter bottle)

$6.96 $6.96

$7.08 CA$10.01

-1.69%

Milk (1 liter)

$1.16 $1.16

$2.54 CA$3.59

-54.33%

White Bread (500g)

$4.24 $4.24

$2.72 CA$3.85

55.88%

Rice (white) (1kg)

$5.65 $5.65

$2.18 CA$3.09

159.17%

Eggs

$4.24 $4.24

$3.63 CA$5.13

16.80%

Local Cheese (1kg)

$16.43 $16.43

$9.46 CA$13.37

73.68%

Chicken Fillets (1kg)

$20.86 $20.86

$11.54 CA$16.32

80.76%

Beef Round Steak (1kg)

$16.68 $16.68

$14.37 CA$20.32

16.08%

Apples (1kg)

$6.12 $6.12

$3.70 CA$5.23

65.41%

Banana (1kg)

$1.33 $1.33

$1.19 CA$1.68

11.76%

Oranges (1kg)

$3.85 $3.85

$3.46 CA$4.90

11.27%

Tomato (1kg)

$4.79 $4.79

$4.22 CA$5.97

13.51%

Potato (1kg)

$2.84 $2.84

$1.79 CA$2.52

58.66%

Onion (1kg)

$2.07 $2.07

$1.65 CA$2.33

25.45%

Lettuce (1 head)

$1.52 $1.52

$2.20 CA$3.11

-30.91%

Water (1.5 liter bottle)

$2.43 $2.43

$1.26 CA$1.78

92.86%

Cigarettes 20 Pack (Marlboro, Camel)

$10.92 $10.92

$13.97 CA$19.75

-21.83%

Wine (Bottle)

$9.88 $9.88

$14.20 CA$20.07

-30.42%

Local Beer (0.5 liter bottle)

$2.06 $2.06

$2.25 CA$3.18

-8.44%

Imported Beer (0.33 liter bottle)

$4.22 $4.22

$2.53 CA$3.58

66.80%

One-way Ticket (Public Transport)

$1.84 $1.84

$2.32 CA$3.28

-20.69%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$2.96 $2.96

$3.06 CA$4.33

-3.27%

Taxi (Normal Tariff) (1km)

$1.48 $1.48

$1.22 CA$1.72

21.31%

Taxi 1hour Waiting (Normal Tariff)

$27.71 $27.71

$21.69 CA$30.66

27.75%

Gasoline (1 liter)

$0.99 $0.99

$1.21 CA$1.72

-18.18%

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

$26.3K $26.3K

$26.1K CA$37.0K

0.74%

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

$25.8K $25.8K

$21.1K CA$29.9K

22.18%

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

$199 $199

$120 CA$169

66.02%

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

$45.36 $45.36

$32.21 CA$45.54

40.83%

Internet (50+ Mbps, Unlimited Data)

$50.0 $50.0

$48.88 CA$69.1

2.33%

Gym Membership (Monthly)

$44.31 $44.31

$39.34 CA$55.6

12.63%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$17.67 $17.67

$12.58 CA$17.79

40.46%

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

$1,010 $1,010

$832 CA$1,176

21.38%

International Primary School, 1 Child (Yearly)

$15.3K $15.3K

$23.6K CA$33.4K

-35.18%

Jeans (Levis 501 Or Similar)

$37.53 $37.53

$52.3 CA$73.9

-28.21%

Summer Dress (H&M, Zara, etc)

$56.1 $56.1

$39.44 CA$55.8

42.11%

Sport Shoes (Adidas, Nike)

$78.7 $78.7

$99.0 CA$140

-20.55%

Men's Leather Business Shoes

$122 $122

$122 CA$172

-0.16%

1-bedroom Apartment, City Center (Monthly)

$909 $909

$1,631 CA$2,306

-44.31%

1-bedroom Apartment, Outside City Center (Monthly)

$765 $765

$1,448 CA$2,048

-47.20%

3-bedroom Apartment, City Center (Monthly)

$1,387 $1,387

$2,737 CA$3,869

-49.31%

3-bedroom Apartment, Outside City Center (Monthly)

$1,123 $1,123

$2,129 CA$3,010

-47.27%

Buy Apartment in City Center (m2)

$2,818 $2,818

$8,206 CA$11.6K

-65.66%

Buy Apartment Outside City Center (m2)

$2,439 $2,439

$6,838 CA$9,666

-64.33%

Average Monthly Net Salary (After Tax)

$2,353 $2,353

$3,520 CA$4,976

-33.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

11.86%

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

Last update for Gallup, NM: October 18, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Gallup, NM

$765 37.2%

Toronto

$1.4K 55.5% 89.4% $684

Groceries & Markets

Gallup, NM

$461 22.4%

Toronto

$343 13.1% 25.7% $119

Eating Out

Gallup, NM

$306 14.9%

Toronto

$283 10.9% 7.6% $23

Monthly Utilities & Internet

Gallup, NM

$294 14.3%

Toronto

$201 7.7% 31.7% $93

Clothing & Footwear

Gallup, NM

$132 6.4%

Toronto

$141 5.4% 6.4% $8.4

Sport & Entertainment

Gallup, NM

$80 3.9%

Toronto

$65 2.5% 19% $15

Getting Around

Gallup, NM

$18 * 0.9%

Toronto

$130 5% 633% $112

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 $909 in Gallup, NM and $1,631 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 50% 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 Gallup, NM vs $79.0 in Toronto. Groceries flip the comparison at $461 vs $343, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Gallup, NM

🇨🇦 Toronto

🕒 Local time

23:15 11:15 PM

01:15 1:15 AM

2 h ahead of Gallup, NM

🌤 Weather

👥 Population

21,605

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

Gallup, NM Toronto 2,660 km ≈ 3 h 45 min nonstop flight

From you

Gallup, NM
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

Gallup, NM vs Toronto: Cost of Living - Frequently Asked Questions

Gallup, NM is cheaper overall, especially in clothing and transport. The 27% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 50% lower in Toronto. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $909 in Gallup, NM versus $1,631 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,010 in Gallup, NM versus $832 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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

At $2,056 in Gallup, NM versus $2,610 in Toronto, a $2,500 budget is realistic in Gallup, NM but tight or insufficient in Toronto. The gap between the two cities makes Gallup, NM the clear choice for anyone on this budget.

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.

Expats usually find Gallup, NM gentler on the wallet – expenses run 27% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.