Last update: Oct 2026

Cost of Living Comparison Between Garland, TX and Toronto

For one person, living costs are similar in Garland, TX and in Toronto: $2,590 and $2,530 a month, rent and utilities included.

127

Cost of Living Index in Garland, TX
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Garland, TX Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Garland, TX

🇺🇸 United States

$2,590

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

A single person spends $2,590 per month in Garland, TX vs $2,530 in Toronto, rent included.

Garland, TX $2,590
Toronto $2,530

A couple spends around $3,751 per month in Garland, TX vs $3,646 in Toronto, rent included.

Garland, TX $3,751
Toronto $3,646

A family of three spends $4,912 per month in Garland, TX vs $4,761 in Toronto, rent included.

Garland, TX $4,912
Toronto $4,761

Garland, TX costs about 2% more than Toronto, and outside of rent the biggest gap is in utilities.

Both Garland, TX and Toronto sit above the global median – Garland, TX by 93%, Toronto by 89%.

Meal at Budget Restaurant

$19.79 $19.79

$17.67 CA$25.19

12.00%

Three-Course Dinner for Two, Mid-Range

$54.4 $54.4

$77.4 CA$110

-29.72%

Fast Food Meal (McDonalds, etc)

$10.02 $10.02

$10.47 CA$14.93

-4.30%

Cappuccino

$5.68 $5.68

$4.08 CA$5.81

39.22%

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

$2.62 $2.62

$2.12 CA$3.02

23.58%

Water (0.33 liter bottle)

$2.33 $2.33

$1.76 CA$2.51

32.39%

Local Beer (0.5 liter draught)

$5.53 $5.53

$6.17 CA$8.80

-10.37%

Imported Beer (0.33 liter bottle)

$7.40 $7.40

$6.89 CA$9.82

7.40%

Milk (1 liter)

$0.92 $0.92

$2.43 CA$3.46

-62.14%

White Bread (500g)

$3.80 $3.80

$2.75 CA$3.92

38.18%

Rice (white) (1kg)

$5.32 $5.32

$2.23 CA$3.18

138.57%

Eggs

$4.53 $4.53

$3.45 CA$4.91

31.30%

Local Cheese (1kg)

$7.87 $7.87

$8.93 CA$12.73

-11.87%

Chicken Fillets (1kg)

$11.68 $11.68

$11.44 CA$16.31

2.10%

Beef Round Steak (1kg)

$19.34 $19.34

$14.61 CA$20.83

32.38%

Apples (1kg)

$5.31 $5.31

$3.75 CA$5.34

41.60%

Banana (1kg)

$1.24 $1.24

$1.15 CA$1.64

7.83%

Oranges (1kg)

$5.23 $5.23

$3.55 CA$5.06

47.32%

Tomato (1kg)

$4.40 $4.40

$4.28 CA$6.10

2.80%

Potato (1kg)

$2.07 $2.07

$1.85 CA$2.63

11.89%

Onion (1kg)

$2.08 $2.08

$1.67 CA$2.38

24.55%

Lettuce (1 head)

$2.13 $2.13

$2.22 CA$3.16

-4.05%

Water (1.5 liter bottle)

$1.45 $1.45

$1.21 CA$1.72

19.83%

Cigarettes 20 Pack (Marlboro, Camel)

$9.64 $9.64

$13.88 CA$19.78

-30.55%

Wine (Bottle)

$10.90 $10.90

$14.25 CA$20.31

-23.51%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$2.20 CA$3.13

-8.18%

Imported Beer (0.33 liter bottle)

$3.26 $3.26

$2.42 CA$3.45

34.71%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.42 CA$3.44

21.90%

Public Transport Monthly Pass (Regular Price)

$96.7 $96.7

$111 CA$158

-12.68%

Taxi Start (Normal Tariff)

$2.98 $2.98

$2.90 CA$4.13

2.76%

Taxi (Normal Tariff) (1km)

$1.72 $1.72

$1.26 CA$1.80

36.51%

Taxi 1hour Waiting (Normal Tariff)

$24.18 $24.18

$22.03 CA$31.40

9.76%

Gasoline (1 liter)

$0.97 $0.97

$1.22 CA$1.74

-20.49%

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

$36.4K $36.4K

$27.6K CA$39.4K

31.86%

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

$26.0K $26.0K

$19.8K CA$28.3K

31.32%

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

$202 $202

$122 CA$174

66.13%

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

$54.2 $54.2

$32.03 CA$45.66

69.12%

Internet (50+ Mbps, Unlimited Data)

$80.7 $80.7

$47.92 CA$68.3

68.45%

Gym Membership (Monthly)

$39.85 $39.85

$38.90 CA$55.5

2.44%

Tennis Court (1 Hour on Weekend)

$16.24 $16.24

$23.24 CA$33.12

-30.12%

Cinema Ticket

$15.13 $15.13

$12.61 CA$17.97

19.98%

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

$1,341 $1,341

$834 CA$1,189

60.79%

International Primary School, 1 Child (Yearly)

$28.6K $28.6K

$23.3K CA$33.3K

22.75%

Jeans (Levis 501 Or Similar)

$60.2 $60.2

$52.6 CA$75.0

14.39%

Summer Dress (H&M, Zara, etc)

$29.52 $29.52

$40.26 CA$57.4

-26.68%

Sport Shoes (Adidas, Nike)

$84.7 $84.7

$96.2 CA$137

-12.01%

Men's Leather Business Shoes

$120 $120

$123 CA$175

-2.29%

1-bedroom Apartment, City Center (Monthly)

$1,518 $1,518

$1,598 CA$2,278

-5.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,276 $1,276

$1,435 CA$2,045

-11.06%

3-bedroom Apartment, City Center (Monthly)

$2,344 $2,344

$2,657 CA$3,787

-11.76%

3-bedroom Apartment, Outside City Center (Monthly)

$2,077 $2,077

$2,096 CA$2,988

-0.91%

Buy Apartment in City Center (m2)

$3,256 $3,256

$8,033 CA$11.5K

-59.46%

Buy Apartment Outside City Center (m2)

$1,953 $1,953

$6,557 CA$9,347

-70.21%

Average Monthly Net Salary (After Tax)

$3,710 $3,710

$3,743 CA$5,335

-0.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.47

48.10%

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

Last update for Garland, TX: October 6, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Garland, TX

$1.3K 48.5%

Toronto

$1.4K 55.4% 12.4% $159

Groceries & Markets

Garland, TX

$378 14.4%

Toronto

$340 13.1% 10.1% $38

Monthly Utilities & Internet

Garland, TX

$337 12.8%

Toronto

$202 7.8% 40.2% $136

Eating Out

Garland, TX

$319 12.1%

Toronto

$282 10.9% 11.6% $37

Clothing & Footwear

Garland, TX

$133 5%

Toronto

$140 5.4% 6% $7.9

Getting Around

Garland, TX

$120 4.6%

Toronto

$130 5% 7.9% $9.5

Sport & Entertainment

Garland, TX

$70 2.7%

Toronto

$64 2.5% 8.6% $6

Cost Breakdown

A central one-bedroom costs $1,518 in Garland, TX versus $1,598 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 1% higher in Toronto, 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 $54.0 in Garland, TX versus $77.0 in Toronto. Groceries tell a different story – $378 in Garland, TX vs $340 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Garland, TX

🇨🇦 Toronto

🕒 Local time

21:02 9:02 PM

22:02 10:02 PM

1 h ahead of Garland, TX

🌤 Weather

👥 Population

242,035

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 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 Toronto 1,920 km ≈ 3 h nonstop flight

From you

Garland, TX
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

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

Monthly costs with rent: $2,590 in Garland, TX, $2,530 in Toronto – roughly 2% 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 $3,795 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toronto, 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 $834 in Toronto. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 11% 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.

$2,500 is a stretch for both – monthly costs hit $2,590 in Garland, TX and $2,530 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Toronto. 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.