Last update: Oct 2026

Cost of Living Comparison Between Garland, TX and Montreal

For one person, living is cheaper in Montreal: $2,003 a month against $2,590 in Garland, TX, rent and utilities included – about $7,000 less a year. Rent and utilities account for about half of the difference.

127

Cost of Living Index in Garland, TX
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Garland, TX Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Garland, TX

🇺🇸 United States

$2,590

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

How much you'll spend in Garland, TX 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 Garland, TX and in Montreal actually costs, broken down by who's living it.

A single person spends $2,590 per month in Garland, TX vs $2,003 in Montreal, rent included.

Garland, TX $2,590
Montreal $2,003

A couple spends around $3,751 per month in Garland, TX vs $3,048 in Montreal, rent included.

Garland, TX $3,751
Montreal $3,048

A family of three spends $4,912 per month in Garland, TX vs $4,092 in Montreal, rent included.

Garland, TX $4,912
Montreal $4,092

Garland, TX costs about 29% more than Montreal, and outside of rent the biggest gap is in utilities.

Both Garland, TX and Montreal sit above the global median – Garland, TX by 93%, Montreal by 49%.

Meal at Budget Restaurant

$19.79 $19.79

$19.31 CA$27.52

2.49%

Three-Course Dinner for Two, Mid-Range

$54.4 $54.4

$75.5 CA$108

-27.97%

Fast Food Meal (McDonalds, etc)

$10.02 $10.02

$10.63 CA$15.15

-5.74%

Cappuccino

$5.68 $5.68

$3.93 CA$5.60

44.53%

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

$2.62 $2.62

$1.92 CA$2.73

36.46%

Water (0.33 liter bottle)

$2.33 $2.33

$1.48 CA$2.11

57.43%

Local Beer (0.5 liter draught)

$5.53 $5.53

$6.30 CA$8.98

-12.22%

Imported Beer (0.33 liter bottle)

$7.40 $7.40

$7.19 CA$10.24

2.92%

Milk (1 liter)

$0.92 $0.92

$2.22 CA$3.17

-58.56%

White Bread (500g)

$3.80 $3.80

$3.06 CA$4.36

24.18%

Rice (white) (1kg)

$5.32 $5.32

$2.94 CA$4.19

80.95%

Eggs

$4.53 $4.53

$3.53 CA$5.03

28.33%

Local Cheese (1kg)

$7.87 $7.87

$13.19 CA$18.79

-40.33%

Chicken Fillets (1kg)

$11.68 $11.68

$11.24 CA$16.02

3.91%

Beef Round Steak (1kg)

$19.34 $19.34

$13.81 CA$19.69

40.04%

Apples (1kg)

$5.31 $5.31

$3.40 CA$4.85

56.18%

Banana (1kg)

$1.24 $1.24

$1.44 CA$2.06

-13.89%

Oranges (1kg)

$5.23 $5.23

$3.26 CA$4.65

60.43%

Tomato (1kg)

$4.40 $4.40

$2.88 CA$4.10

52.78%

Potato (1kg)

$2.07 $2.07

$1.86 CA$2.65

11.29%

Onion (1kg)

$2.08 $2.08

$1.82 CA$2.60

14.29%

Lettuce (1 head)

$2.13 $2.13

$2.43 CA$3.46

-12.35%

Water (1.5 liter bottle)

$1.45 $1.45

$1.52 CA$2.17

-4.61%

Cigarettes 20 Pack (Marlboro, Camel)

$9.64 $9.64

$11.45 CA$16.32

-15.81%

Wine (Bottle)

$10.90 $10.90

$10.36 CA$14.76

5.21%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$2.22 CA$3.16

-9.01%

Imported Beer (0.33 liter bottle)

$3.26 $3.26

$2.82 CA$4.02

15.60%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.58 CA$3.67

14.34%

Public Transport Monthly Pass (Regular Price)

$96.7 $96.7

$76.9 CA$110

25.76%

Taxi Start (Normal Tariff)

$2.98 $2.98

$3.25 CA$4.64

-8.31%

Taxi (Normal Tariff) (1km)

$1.72 $1.72

$1.48 CA$2.11

16.22%

Taxi 1hour Waiting (Normal Tariff)

$24.18 $24.18

$33.04 CA$47.09

-26.82%

Gasoline (1 liter)

$0.97 $0.97

$1.36 CA$1.94

-28.68%

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

$36.4K $36.4K

$27.4K CA$39.1K

32.84%

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

$26.0K $26.0K

$20.0K CA$28.5K

30.30%

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

$202 $202

$76.1 CA$109

166.00%

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

$54.2 $54.2

$34.68 CA$49.43

56.20%

Internet (50+ Mbps, Unlimited Data)

$80.7 $80.7

$42.69 CA$60.9

89.08%

Gym Membership (Monthly)

$39.85 $39.85

$28.94 CA$41.26

37.70%

Tennis Court (1 Hour on Weekend)

$16.24 $16.24

$20.33 CA$28.97

-20.12%

Cinema Ticket

$15.13 $15.13

$11.21 CA$15.98

34.97%

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

$1,341 $1,341

$505 CA$720

165.48%

International Primary School, 1 Child (Yearly)

$28.6K $28.6K

$16.0K CA$22.8K

78.92%

Jeans (Levis 501 Or Similar)

$60.2 $60.2

$58.5 CA$83.4

2.85%

Summer Dress (H&M, Zara, etc)

$29.52 $29.52

$38.00 CA$54.2

-22.32%

Sport Shoes (Adidas, Nike)

$84.7 $84.7

$92.7 CA$132

-8.68%

Men's Leather Business Shoes

$120 $120

$106 CA$151

13.56%

1-bedroom Apartment, City Center (Monthly)

$1,518 $1,518

$1,240 CA$1,768

22.39%

1-bedroom Apartment, Outside City Center (Monthly)

$1,276 $1,276

$986 CA$1,405

29.43%

3-bedroom Apartment, City Center (Monthly)

$2,344 $2,344

$2,102 CA$2,996

11.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,077 $2,077

$1,615 CA$2,302

28.62%

Buy Apartment in City Center (m2)

$3,256 $3,256

$5,043 CA$7,188

-35.43%

Buy Apartment Outside City Center (m2)

$1,953 $1,953

$3,830 CA$5,459

-48.99%

Average Monthly Net Salary (After Tax)

$3,710 $3,710

$2,920 CA$4,163

27.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.46

48.43%

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

Last update for Garland, TX: October 6, 2026

Last update for Montreal: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Garland, TX

$1.3K 48.5%

Montreal

$986 47.9% 22.7% $290

Groceries & Markets

Garland, TX

$378 14.4%

Montreal

$344 16.7% 9.2% $35

Monthly Utilities & Internet

Garland, TX

$337 12.8%

Montreal

$154 7.5% 54.5% $184

Eating Out

Garland, TX

$319 12.1%

Montreal

$293 14.2% 8.1% $26

Clothing & Footwear

Garland, TX

$133 5%

Montreal

$133 6.5% 0.2% $0.2

Getting Around

Garland, TX

$120 4.6%

Montreal

$98 4.8% 18.5% $22

Sport & Entertainment

Garland, TX

$70 2.7%

Montreal

$51 2.5% 26.8% $19

Cost Breakdown

A central one-bedroom costs $1,518 in Garland, TX versus $1,240 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 27% higher in Garland, TX, 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 $54.0 in Garland, TX versus $75.0 in Montreal. Groceries tell a different story – $378 in Garland, TX vs $344 in Montreal – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Garland, TX

🇨🇦 Montreal

🕒 Local time

21:48 9:48 PM

22:48 10:48 PM

1 h ahead of Garland, TX

🌤 Weather

👥 Population

242,035

1,762,949

💱 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 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 11, 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

Garland, TX Montreal 2,420 km ≈ 3 h 30 min nonstop flight

From you

Garland, TX
Montreal

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

Garland, TX vs Montreal: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,590 in Garland, TX, $2,003 in Montreal – roughly 29% apart. Outside of rent, the biggest gap is in utilities.

For a comfortable life, plan on about $3,885 per month in Garland, TX and $3,005 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.

Kindergarten costs $1,341 per month in Garland, TX and $505 in Montreal. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 10% more in Garland, TX, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Garland, TX at $2,590. In Montreal it covers expenses comfortably, while in Garland, TX 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 $2,003 in Montreal to $2,590 in Garland, TX. 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, Garland, TX makes more sense. Both are solid long-term options with distinct trade-offs.