Last update: Oct 2026

Cost of Living Comparison Between Hamilton and Toronto

For one person, living is cheaper in Toronto: $2,530 a month against $5,131 in Hamilton, rent and utilities included – about $31,200 less a year. Rent and utilities account for most of the difference.

249

Cost of Living Index in Hamilton
Learn more

Hamilton Living Index
125

Cost of Living Index in Toronto
Learn more

Toronto Living Index

Jump to prices

Hamilton

🇧🇲 Bermuda

$5,131

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

A single person spends $5,131 per month in Hamilton vs $2,530 in Toronto, rent included.

Hamilton $5,131
Toronto $2,530

A couple spends around $9,033 per month in Hamilton vs $3,646 in Toronto, rent included.

Hamilton $9,033
Toronto $3,646

A family of three spends $12.9K per month in Hamilton vs $4,761 in Toronto, rent included.

Hamilton $12.9K
Toronto $4,761

Hamilton costs about 103% more than Toronto, and outside of rent the biggest gap is in groceries.

Both Hamilton and Toronto sit above the global median – Hamilton by 283%, Toronto by 89%.

Meal at Budget Restaurant

$49.07 BMD 49.07

$17.67 CA$25.19

177.70%

Three-Course Dinner for Two, Mid-Range

$153 BMD 153

$77.4 CA$110

97.40%

Fast Food Meal (McDonalds, etc)

$17.07 BMD 17.07

$10.47 CA$14.93

63.04%

Cappuccino

$6.34 BMD 6.34

$4.08 CA$5.81

55.39%

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

$2.98 BMD 2.98

$2.12 CA$3.02

40.57%

Water (0.33 liter bottle)

$3.17 BMD 3.17

$1.76 CA$2.51

80.11%

Local Beer (0.5 liter draught)

$7.43 BMD 7.43

$6.17 CA$8.80

20.42%

Imported Beer (0.33 liter bottle)

$9.07 BMD 9.07

$6.89 CA$9.82

31.64%

Milk (1 liter)

$4.79 BMD 4.79

$2.43 CA$3.46

97.12%

White Bread (500g)

$8.18 BMD 8.18

$2.75 CA$3.92

197.45%

Rice (white) (1kg)

$5.45 BMD 5.45

$2.23 CA$3.18

144.39%

Eggs

$7.23 BMD 7.23

$3.45 CA$4.91

109.57%

Local Cheese (1kg)

$23.76 BMD 23.76

$8.93 CA$12.73

166.07%

Chicken Fillets (1kg)

$21.05 BMD 21.05

$11.44 CA$16.31

84.00%

Beef Round Steak (1kg)

$19.59 BMD 19.59

$14.61 CA$20.83

34.09%

Apples (1kg)

$8.86 BMD 8.86

$3.75 CA$5.34

136.27%

Banana (1kg)

$6.75 BMD 6.75

$1.15 CA$1.64

486.96%

Oranges (1kg)

$7.34 BMD 7.34

$3.55 CA$5.06

106.76%

Tomato (1kg)

$8.53 BMD 8.53

$4.28 CA$6.10

99.30%

Potato (1kg)

$5.57 BMD 5.57

$1.85 CA$2.63

201.08%

Onion (1kg)

$4.11 BMD 4.11

$1.67 CA$2.38

146.11%

Lettuce (1 head)

$6.33 BMD 6.33

$2.22 CA$3.16

185.14%

Water (1.5 liter bottle)

$3.43 BMD 3.43

$1.21 CA$1.72

183.47%

Cigarettes 20 Pack (Marlboro, Camel)

$17.91 BMD 17.91

$13.88 CA$19.78

29.03%

Wine (Bottle)

$24.06 BMD 24.06

$14.25 CA$20.31

68.84%

Local Beer (0.5 liter bottle)

$5.18 BMD 5.18

$2.20 CA$3.13

135.45%

Imported Beer (0.33 liter bottle)

$4.31 BMD 4.31

$2.42 CA$3.45

78.10%

One-way Ticket (Public Transport)

$5.14 BMD 5.14

$2.42 CA$3.44

112.40%

Public Transport Monthly Pass (Regular Price)

$69.1 BMD 69.1

$111 CA$158

-37.58%

Taxi Start (Normal Tariff)

$6.39 BMD 6.39

$2.90 CA$4.13

120.34%

Taxi (Normal Tariff) (1km)

$2.91 BMD 2.91

$1.26 CA$1.80

130.95%

Taxi 1hour Waiting (Normal Tariff)

$70.7 BMD 70.7

$22.03 CA$31.40

220.84%

Gasoline (1 liter)

$2.36 BMD 2.36

$1.22 CA$1.74

93.44%

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

$38.2K BMD 38.2K

$27.6K CA$39.4K

38.25%

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

$43.3K BMD 43.3K

$19.8K CA$28.3K

118.40%

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

$293 BMD 293

$122 CA$174

140.33%

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

$151 BMD 151

$32.03 CA$45.66

371.18%

Internet (50+ Mbps, Unlimited Data)

$163 BMD 163

$47.92 CA$68.3

239.46%

Gym Membership (Monthly)

$189 BMD 189

$38.90 CA$55.5

385.37%

Tennis Court (1 Hour on Weekend)

$14.76 BMD 14.76

$23.24 CA$33.12

-36.49%

Cinema Ticket

$13.58 BMD 13.58

$12.61 CA$17.97

7.69%

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

$1,307 BMD 1,307

$834 CA$1,189

56.75%

International Primary School, 1 Child (Yearly)

$25.3K BMD 25.3K

$23.3K CA$33.3K

8.51%

Jeans (Levis 501 Or Similar)

$90.1 BMD 90.1

$52.6 CA$75.0

71.25%

Summer Dress (H&M, Zara, etc)

$70.1 BMD 70.1

$40.26 CA$57.4

73.99%

Sport Shoes (Adidas, Nike)

$140 BMD 140

$96.2 CA$137

45.75%

Men's Leather Business Shoes

$130 BMD 130

$123 CA$175

5.70%

1-bedroom Apartment, City Center (Monthly)

$3,943 BMD 3,943

$1,598 CA$2,278

146.75%

1-bedroom Apartment, Outside City Center (Monthly)

$2,641 BMD 2,641

$1,435 CA$2,045

84.05%

3-bedroom Apartment, City Center (Monthly)

$8,560 BMD 8,560

$2,657 CA$3,787

222.20%

3-bedroom Apartment, Outside City Center (Monthly)

$7,447 BMD 7,447

$2,096 CA$2,988

255.26%

Buy Apartment in City Center (m2)

$15.1K BMD 15.1K

$8,033 CA$11.5K

88.33%

Buy Apartment Outside City Center (m2)

$8,947 BMD 8,947

$6,557 CA$9,347

36.44%

Average Monthly Net Salary (After Tax)

$6,487 BMD 6,487

$3,743 CA$5,335

73.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

4.47

93.06%

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

Last update for Hamilton: October 4, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Hamilton

$2.6K 51.6%

Toronto

$1.4K 55.4% 45.7% $1.2K

Groceries & Markets

Hamilton

$747 14.6%

Toronto

$340 13.1% 54.4% $406

Monthly Utilities & Internet

Hamilton

$607 11.9%

Toronto

$202 7.8% 66.7% $405

Eating Out

Hamilton

$600 11.7%

Toronto

$282 10.9% 53% $318

Sport & Entertainment

Hamilton

$216 4.2%

Toronto

$64 2.5% 70.3% $152

Clothing & Footwear

Hamilton

$194 3.8%

Toronto

$140 5.4% 27.5% $53

Getting Around

Hamilton

$111 2.2%

Toronto

$130 5% 17.2% $19

Cost Breakdown

A central one-bedroom costs $3,943 in Hamilton 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 73% higher in Hamilton, 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 $153 in Hamilton versus $77.0 in Toronto. Monthly groceries follow the same trend: $747 vs $340 – making Toronto the more affordable choice for daily food spending.

Good to know

🇧🇲 Hamilton

🇨🇦 Toronto

🕒 Local time

01:58 1:58 AM

00:58 12:58 AM

1 h behind Hamilton

🌤 Weather

👥 Population

10,000 Capital

2,731,571

💱 Currency

Bermudian Dollar BMD $

Canadian Dollar CAD $

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of October 10, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 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).

USD to BMD in detail →

On the map

Lowest

Highest

Between locations

Hamilton Toronto 1,790 km ≈ 2 h 45 min nonstop flight

From you

Hamilton
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

Hamilton vs Toronto: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $5,131 in Hamilton, $2,530 in Toronto – roughly 103% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $7,696 per month in Hamilton 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.

A mid-range dinner for two costs $153 in Hamilton and $77.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $5,131 in Hamilton and $2,530 in Toronto. That's a gap of about 103%.

$2,500 is a stretch for both – monthly costs hit $5,131 in Hamilton and $2,530 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Hamilton has an edge in some lifestyle areas, with costs from $2,530 in Toronto to $5,131 in Hamilton. 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 Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, Hamilton makes more sense. Both are solid long-term options with distinct trade-offs.