Cost of Living Comparison Between Hammond, Ontario and Toronto Cost of Living Comparison Between Hammond, Ontario and Toronto

Monthly Cost of Living

Monthly costs for one person with rent: $2,297 in Hammond, Ontario versus $2,788 in Toronto.

Estimated couple costs with rent: $3,392 in Hammond, Ontario versus $4,110 in Toronto.

Monthly costs for a family of three with rent: $4,488 in Hammond, Ontario versus $5,432 in Toronto.

Living in Hammond, Ontario costs roughly 18% less than in Toronto, driven mainly by Getting Around.

Both cities are pricier than the global median: Hammond, Ontario 72% above, Toronto 109% above.

Meal at Budget Restaurant

$16.84 CA$23.70

$18.51 CA$26.05

-9.02%

Three-Course Dinner for Two, Mid-Range

$70.2 CA$98.7

$83.8 CA$118

-16.29%

Fast Food Meal (McDonalds, etc)

$10.92 CA$15.36

$10.97 CA$15.44

-0.46%

Cappuccino

$3.85 CA$5.42

$3.99 CA$5.61

-3.51%

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

$1.96 CA$2.75

$2.11 CA$2.98

-7.11%

Water (0.33 liter bottle)

$1.65 CA$2.33

$1.69 CA$2.38

-2.37%

Local Beer (0.5 liter draught)

$5.64 CA$7.94

$5.92 CA$8.33

-4.73%

Imported Beer (0.33 liter bottle)

$5.94 CA$8.36

$6.48 CA$9.11

-8.33%

Milk (1 liter)

$2.13 CA$3.00

$2.71 CA$3.82

-21.40%

White Bread (500g)

$2.73 CA$3.85

$2.85 CA$4.02

-4.21%

Rice (white) (1kg)

$3.49 CA$4.91

$3.56 CA$5.01

-1.97%

Eggs

$3.54 CA$4.98

Local Cheese (1kg)

$11.03 CA$15.52

$13.26 CA$18.66

-16.82%

Chicken Fillets (1kg)

$11.87 CA$16.71

$13.05 CA$18.36

-9.04%

Beef Round Steak (1kg)

$14.52 CA$20.43

$16.77 CA$23.59

-13.42%

Apples (1kg)

$4.16 CA$5.86

$4.11 CA$5.79

1.22%

Banana (1kg)

$1.36 CA$1.91

$1.14 CA$1.60

19.30%

Oranges (1kg)

$3.58 CA$5.04

$3.40 CA$4.78

5.29%

Tomato (1kg)

$3.74 CA$5.26

$4.02 CA$5.66

-6.97%

Potato (1kg)

$2.43 CA$3.42

Onion (1kg)

$2.55 CA$3.58

$2.94 CA$4.13

-13.27%

Lettuce (1 head)

$2.55 CA$3.59

$2.47 CA$3.48

3.24%

Water (1.5 liter bottle)

$1.78 CA$2.51

$1.92 CA$2.70

-7.29%

Cigarettes 20 Pack (Marlboro, Camel)

$13.84 CA$19.47

$14.99 CA$21.09

-7.67%

Wine (Bottle)

$12.27 CA$17.27

$14.34 CA$20.17

-14.44%

Local Beer (0.5 liter bottle)

$2.94 CA$4.14

$2.71 CA$3.81

8.49%

Imported Beer (0.33 liter bottle)

$3.05 CA$4.29

$3.12 CA$4.39

-2.24%

One-way Ticket (Public Transport)

$2.42 CA$3.41

$2.45 CA$3.45

-1.22%

Public Transport Monthly Pass (Regular Price)

$63.4 CA$89.2

$113 CA$159

-43.84%

Taxi Start (Normal Tariff)

$3.23 CA$4.55

$3.63 CA$5.10

-11.02%

Taxi (Normal Tariff) (1km)

$1.45 CA$2.04

$1.34 CA$1.89

8.21%

Taxi 1hour Waiting (Normal Tariff)

$25.83 CA$36.34

$25.55 CA$35.95

1.10%

Gasoline (1 liter)

$1.12 CA$1.58

$1.11 CA$1.56

0.90%

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

$24.9K CA$35.1K

$25.3K CA$35.6K

-1.31%

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

$20.3K CA$28.5K

$21.8K CA$30.6K

-6.89%

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

$141 CA$199

$117 CA$164

21.07%

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

$43.23 CA$60.8

$37.60 CA$52.9

14.97%

Internet (50+ Mbps, Unlimited Data)

$62.4 CA$87.8

$53.7 CA$75.6

16.26%

Gym Membership (Monthly)

$41.25 CA$58.0

$57.1 CA$80.3

-27.76%

Tennis Court (1 Hour on Weekend)

$20.86 CA$29.35

Cinema Ticket

$11.25 CA$15.83

$11.56 CA$16.26

-2.68%

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

$736 CA$1,036

$1,125 CA$1,583

-34.58%

International Primary School, 1 Child (Yearly)

$12.0K CA$16.8K

$18.4K CA$25.9K

-35.10%

Jeans (Levis 501 Or Similar)

$53.5 CA$75.3

$57.3 CA$80.7

-6.61%

Summer Dress (H&M, Zara, etc)

$39.28 CA$55.3

$39.05 CA$55.0

0.59%

Sport Shoes (Adidas, Nike)

$86.5 CA$122

$87.6 CA$123

-1.20%

Men's Leather Business Shoes

$108 CA$152

$114 CA$160

-4.63%

1-bedroom Apartment, City Center (Monthly)

$1,300 CA$1,829

$1,842 CA$2,591

-29.42%

1-bedroom Apartment, Outside City Center (Monthly)

$1,183 CA$1,664

$1,531 CA$2,154

-22.75%

3-bedroom Apartment, City Center (Monthly)

$1,989 CA$2,798

$2,925 CA$4,116

-32.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,828 CA$2,572

$2,502 CA$3,521

-26.94%

Buy Apartment in City Center (m2)

$4,108 CA$5,781

$8,725 CA$12.3K

-52.91%

Buy Apartment Outside City Center (m2)

$3,275 CA$4,609

$6,867 CA$9,663

-52.30%

Average Monthly Net Salary (After Tax)

$2,546 CA$3,583

$3,454 CA$4,860

-26.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.46

5.16

25.19%

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

Last update for Hammond, Ontario: July 12, 2026

Last update for Toronto: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,300 in Hammond, Ontario and $1,842 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 36% 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: $70.0 in Hammond, Ontario vs $84.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $364 vs $395 per month, with Hammond, Ontario cheaper across the board.

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

Hammond, Ontario vs Toronto: Cost of Living - Frequently Asked Questions

Hammond, Ontario wins on cost – living expenses run 21% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Hammond, Ontario the obvious pick if budget is a priority.

On paper, salaries run 36% 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: $1,300 in Hammond, Ontario versus $1,842 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,297 per month in Hammond, Ontario versus $2,788 in Toronto – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hammond, Ontario runs roughly 78% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,297 in Hammond, Ontario versus $2,788 in Toronto, a $2,000 budget is realistic in Hammond, Ontario but tight or insufficient in Toronto. The gap between the two cities makes Hammond, Ontario 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.

Safety-wise, Hammond, Ontario and Toronto are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Hammond, Ontario gentler on the wallet – expenses run 21% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.