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: $2,345 in Hammond, Ontario versus $2,811 in Toronto.

Estimated couple costs with rent: $3,367 in Hammond, Ontario versus $4,130 in Toronto.

Monthly costs for a family of three with rent: $4,390 in Hammond, Ontario versus $5,449 in Toronto.

Living in Hammond, Ontario costs roughly 17% less than in Toronto, driven mainly by Getting Around.

Both cities are pricier than the global median: Hammond, Ontario 75% above, Toronto 110% above.

Meal at Budget Restaurant

$16.77 CA$23.32

$18.71 CA$26.02

-10.37%

Three-Course Dinner for Two, Mid-Range

$68.7 CA$95.5

$81.9 CA$114

-16.10%

Fast Food Meal (McDonalds, etc)

$10.90 CA$15.15

$10.83 CA$15.06

0.65%

Cappuccino

$3.82 CA$5.32

$3.89 CA$5.41

-1.80%

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

$2.02 CA$2.81

$2.22 CA$3.09

-9.01%

Water (0.33 liter bottle)

$1.70 CA$2.37

$1.65 CA$2.29

3.03%

Local Beer (0.5 liter draught)

$5.38 CA$7.49

$6.05 CA$8.41

-11.07%

Imported Beer (0.33 liter bottle)

$5.74 CA$7.98

$6.58 CA$9.15

-12.77%

Milk (1 liter)

$2.21 CA$3.08

$2.73 CA$3.79

-19.05%

White Bread (500g)

$2.72 CA$3.78

Rice (white) (1kg)

$3.66 CA$5.09

$3.54 CA$4.92

3.39%

Eggs

$3.44 CA$4.79

$3.50 CA$4.87

-1.71%

Local Cheese (1kg)

$11.20 CA$15.58

$13.53 CA$18.81

-17.22%

Chicken Fillets (1kg)

$11.58 CA$16.11

$13.09 CA$18.20

-11.54%

Beef Round Steak (1kg)

$14.58 CA$20.27

$16.96 CA$23.59

-14.03%

Apples (1kg)

$3.93 CA$5.47

$4.16 CA$5.79

-5.53%

Banana (1kg)

$1.36 CA$1.89

$1.18 CA$1.64

15.25%

Oranges (1kg)

$3.69 CA$5.13

$3.25 CA$4.52

13.54%

Tomato (1kg)

$3.67 CA$5.10

$4.12 CA$5.73

-10.92%

Potato (1kg)

$2.43 CA$3.38

$2.50 CA$3.48

-2.80%

Onion (1kg)

$2.55 CA$3.54

$2.88 CA$4.00

-11.46%

Lettuce (1 head)

$2.64 CA$3.67

$2.35 CA$3.27

12.34%

Water (1.5 liter bottle)

$1.78 CA$2.48

$2.00 CA$2.78

-11.00%

Cigarettes 20 Pack (Marlboro, Camel)

$13.90 CA$19.34

$14.58 CA$20.28

-4.66%

Wine (Bottle)

$12.63 CA$17.57

$14.18 CA$19.71

-10.93%

Local Beer (0.5 liter bottle)

$2.94 CA$4.09

$2.80 CA$3.89

5.00%

Imported Beer (0.33 liter bottle)

$3.17 CA$4.41

$3.25 CA$4.53

-2.46%

One-way Ticket (Public Transport)

$2.41 CA$3.35

$2.40 CA$3.34

0.42%

Public Transport Monthly Pass (Regular Price)

$62.4 CA$86.7

$114 CA$159

-45.31%

Taxi Start (Normal Tariff)

$3.15 CA$4.38

$3.76 CA$5.22

-16.22%

Taxi (Normal Tariff) (1km)

$1.47 CA$2.05

$1.41 CA$1.96

4.26%

Taxi 1hour Waiting (Normal Tariff)

$25.57 CA$35.56

$25.53 CA$35.50

0.16%

Gasoline (1 liter)

$1.16 CA$1.61

$1.10 CA$1.53

5.45%

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

$24.8K CA$34.5K

$25.2K CA$35.1K

-1.70%

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

$20.5K CA$28.4K

$21.1K CA$29.3K

-2.93%

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

$145 CA$201

$120 CA$166

21.09%

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

$43.94 CA$61.1

$37.54 CA$52.2

17.05%

Internet (50+ Mbps, Unlimited Data)

$61.7 CA$85.8

$54.5 CA$75.8

13.21%

Gym Membership (Monthly)

$42.40 CA$59.0

$55.5 CA$77.2

-23.62%

Tennis Court (1 Hour on Weekend)

$21.15 CA$29.41

Cinema Ticket

$11.25 CA$15.65

$11.56 CA$16.07

-2.68%

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

$748 CA$1,040

$1,129 CA$1,571

-33.75%

International Primary School, 1 Child (Yearly)

$11.7K CA$16.3K

$18.0K CA$25.0K

-34.79%

Jeans (Levis 501 Or Similar)

$54.6 CA$76.0

$56.9 CA$79.2

-4.06%

Summer Dress (H&M, Zara, etc)

$39.05 CA$54.3

$39.96 CA$55.6

-2.28%

Sport Shoes (Adidas, Nike)

$87.1 CA$121

$89.7 CA$125

-2.88%

Men's Leather Business Shoes

$107 CA$149

$114 CA$159

-6.08%

1-bedroom Apartment, City Center (Monthly)

$1,289 CA$1,793

$1,849 CA$2,572

-30.30%

1-bedroom Apartment, Outside City Center (Monthly)

$1,198 CA$1,666

$1,560 CA$2,169

-23.17%

3-bedroom Apartment, City Center (Monthly)

$2,008 CA$2,792

$2,925 CA$4,068

-31.38%

3-bedroom Apartment, Outside City Center (Monthly)

$1,833 CA$2,549

$2,470 CA$3,435

-25.81%

Buy Apartment in City Center (m2)

$4,331 CA$6,023

$9,085 CA$12.6K

-52.33%

Buy Apartment Outside City Center (m2)

$3,329 CA$4,630

$7,036 CA$9,785

-52.69%

Average Monthly Net Salary (After Tax)

$2,573 CA$3,579

$3,572 CA$4,967

-27.96%

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: May 30, 2026

Last update for Toronto: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,289 in Hammond, Ontario and $1,849 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 39% 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: $69.0 in Hammond, Ontario vs $82.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $365 vs $396 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 20% 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, Toronto earns 39% less. 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: $1,289 in Hammond, Ontario versus $1,849 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,345 per month in Hammond, Ontario versus $2,811 in Toronto – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hammond, Ontario runs roughly 83% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,345 in Hammond, Ontario versus $2,811 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 20% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.