Last update: Nov 2026

Cost of Living Comparison Between Hammond, Ontario and Toronto

For one person, living is cheaper in Hammond, Ontario: $2,275 a month against $2,599 in Toronto, rent and utilities included – about $3,900 less a year. Rent and utilities account for most of the difference.

108

Cost of Living Index in Hammond, Ontario
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Hammond, Ontario Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Hammond, Ontario

🇨🇦 Canada

$2,275

/mo nomad

Toronto

🇨🇦 Canada

$2,599

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,275 in Hammond, Ontario versus $2,599 in Toronto.

Hammond, Ontario $2,275
Toronto $2,599

Estimated couple costs with rent: $3,240 in Hammond, Ontario versus $3,700 in Toronto.

Hammond, Ontario $3,240
Toronto $3,700

Monthly costs for a family of three with rent: $4,205 in Hammond, Ontario versus $4,801 in Toronto.

Hammond, Ontario $4,205
Toronto $4,801

Living in Hammond, Ontario costs roughly 12% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Hammond, Ontario 68% above, Toronto 92% above.

Meal at Budget Restaurant

$17.77 CA$24.82

$17.98 CA$25.12

-1.17%

Three-Course Dinner for Two, Mid-Range

$63.8 CA$89.1

$72.3 CA$101

-11.72%

Fast Food Meal (McDonalds, etc)

$10.56 CA$14.75

$10.83 CA$15.13

-2.49%

Cappuccino

$3.67 CA$5.13

$4.34 CA$6.07

-15.44%

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

$2.00 CA$2.79

$2.16 CA$3.02

-7.41%

Water (0.33 liter bottle)

$1.63 CA$2.28

$1.66 CA$2.32

-1.81%

Local Beer (0.5 liter draught)

$5.06 CA$7.07

$6.35 CA$8.87

-20.31%

Imported Beer (0.33 liter bottle)

$5.75 CA$8.03

$7.34 CA$10.26

-21.66%

Milk (1 liter)

$2.13 CA$2.98

$2.57 CA$3.59

-17.12%

White Bread (500g)

$2.51 CA$3.51

$2.71 CA$3.78

-7.38%

Rice (white) (1kg)

$3.51 CA$4.90

$2.28 CA$3.18

53.95%

Eggs

$3.39 CA$4.74

$3.60 CA$5.04

-5.83%

Local Cheese (1kg)

$10.19 CA$14.23

$8.94 CA$12.50

13.98%

Chicken Fillets (1kg)

$11.35 CA$15.86

$11.19 CA$15.63

1.43%

Beef Round Steak (1kg)

$14.83 CA$20.73

$15.23 CA$21.27

-2.63%

Apples (1kg)

$3.78 CA$5.28

$3.74 CA$5.23

1.07%

Banana (1kg)

$1.30 CA$1.81

$1.23 CA$1.71

5.69%

Oranges (1kg)

$3.57 CA$4.99

$3.58 CA$5.00

-0.28%

Tomato (1kg)

$3.93 CA$5.49

$4.25 CA$5.94

-7.53%

Potato (1kg)

$2.42 CA$3.38

$1.94 CA$2.71

24.74%

Onion (1kg)

$2.20 CA$3.08

$1.67 CA$2.33

31.74%

Lettuce (1 head)

$2.36 CA$3.30

$2.30 CA$3.21

2.61%

Water (1.5 liter bottle)

$1.65 CA$2.31

$1.26 CA$1.76

30.95%

Cigarettes 20 Pack (Marlboro, Camel)

$14.51 CA$20.28

$14.19 CA$19.83

2.26%

Wine (Bottle)

$12.65 CA$17.68

$14.25 CA$19.91

-11.23%

Local Beer (0.5 liter bottle)

$2.77 CA$3.88

$2.28 CA$3.19

21.49%

Imported Beer (0.33 liter bottle)

$3.03 CA$4.23

$2.58 CA$3.61

17.44%

One-way Ticket (Public Transport)

$2.30 CA$3.22

$2.35 CA$3.29

-2.13%

Public Transport Monthly Pass (Regular Price)

$63.2 CA$88.3

$111 CA$155

-43.05%

Taxi Start (Normal Tariff)

$2.89 CA$4.04

$3.01 CA$4.21

-3.99%

Taxi (Normal Tariff) (1km)

$1.45 CA$2.02

$1.22 CA$1.71

18.85%

Taxi 1hour Waiting (Normal Tariff)

$23.49 CA$32.82

$21.82 CA$30.49

7.65%

Gasoline (1 liter)

$1.23 CA$1.72

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

$27.5K CA$38.4K

$27.0K CA$37.7K

1.89%

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

$21.7K CA$30.3K

$21.8K CA$30.5K

-0.72%

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

$135 CA$188

$121 CA$169

11.42%

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

$39.18 CA$54.8

$33.10 CA$46.25

18.37%

Internet (50+ Mbps, Unlimited Data)

$54.8 CA$76.5

$49.09 CA$68.6

11.59%

Gym Membership (Monthly)

$37.30 CA$52.1

$36.65 CA$51.2

1.77%

Tennis Court (1 Hour on Weekend)

$18.04 CA$25.20

$25.01 CA$34.94

-27.87%

Cinema Ticket

$10.62 CA$14.84

$12.78 CA$17.85

-16.90%

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

$638 CA$892

$754 CA$1,054

-15.37%

International Primary School, 1 Child (Yearly)

$13.3K CA$18.6K

$33.7K CA$47.1K

-60.49%

Jeans (Levis 501 Or Similar)

$55.4 CA$77.4

$50.4 CA$70.4

10.00%

Summer Dress (H&M, Zara, etc)

$38.30 CA$53.5

$41.43 CA$57.9

-7.55%

Sport Shoes (Adidas, Nike)

$84.6 CA$118

$101 CA$141

-16.39%

Men's Leather Business Shoes

$102 CA$143

$130 CA$182

-21.39%

1-bedroom Apartment, City Center (Monthly)

$1,299 CA$1,815

$1,590 CA$2,221

-18.30%

1-bedroom Apartment, Outside City Center (Monthly)

$1,158 CA$1,617

$1,424 CA$1,990

-18.73%

3-bedroom Apartment, City Center (Monthly)

$2,018 CA$2,820

$2,641 CA$3,690

-23.59%

3-bedroom Apartment, Outside City Center (Monthly)

$1,683 CA$2,351

$2,090 CA$2,920

-19.49%

Buy Apartment in City Center (m2)

$4,333 CA$6,054

$7,730 CA$10.8K

-43.95%

Buy Apartment Outside City Center (m2)

$3,635 CA$5,079

$6,892 CA$9,629

-47.25%

Average Monthly Net Salary (After Tax)

$2,585 CA$3,612

$3,623 CA$5,062

-28.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.68

4.45

5.17%

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

Last update for Hammond, Ontario: November 1, 2026

Last update for Toronto: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Hammond, Ontario

$1.2K 50.9%

Toronto

$1.4K 54.8% 23% $267

Groceries & Markets

Hammond, Ontario

$353 15.5%

Toronto

$345 13.3% 2.2% $7.7

Eating Out

Hammond, Ontario

$269 11.8%

Toronto

$290 11.2% 7.8% $21

Monthly Utilities & Internet

Hammond, Ontario

$229 10%

Toronto

$203 7.8% 11.2% $26

Clothing & Footwear

Hammond, Ontario

$126 5.6%

Toronto

$145 5.6% 15.1% $19

Getting Around

Hammond, Ontario

$83 3.6%

Toronto

$130 5% 56.9% $47

Sport & Entertainment

Hammond, Ontario

$59 2.6%

Toronto

$62 2.4% 6.3% $3.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,299 in Hammond, Ontario and $1,590 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 40% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $64 in Hammond, Ontario vs $72 in Toronto. Groceries flip the comparison at $353 vs $345, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Hammond, Ontario

🇨🇦 Toronto

🕒 Local time

14:05 2:05 PM

Same time as Hammond, Ontario

🌤 Weather

👥 Population

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.637 EUR

1 CAD = 0.716 USD

1 CAD = 0.637 EUR

Exchange rates and currency converter

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City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

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

Hammond, Ontario wins on cost – living expenses run 12% 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 29% lower in Hammond, Ontario. 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: $1,299 in Hammond, Ontario versus $1,590 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $638 in Hammond, Ontario versus $754 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Hammond, Ontario – a meal for two runs $64 versus $72 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Hammond, Ontario is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

It comes down to priorities – Hammond, Ontario wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.