Cost of Living Comparison Between Harrow and Toronto Cost of Living Comparison Between Harrow and Toronto

Monthly Cost of Living

Monthly costs for one person with rent: $3,115 in Harrow versus $2,628 in Toronto.

Estimated couple costs with rent: $4,572 in Harrow versus $3,848 in Toronto.

Monthly costs for a family of three with rent: $6,029 in Harrow versus $5,067 in Toronto.

Living in Harrow is roughly 19% more expensive than in Toronto, driven mainly by Getting Around.

Both cities are pricier than the global median: Harrow 127% above, Toronto 91% above.

Meal at Budget Restaurant

$20.69 £15.29

$17.88 CA$24.66

15.72%

Three-Course Dinner for Two, Mid-Range

$95.6 £70.6

$87.9 CA$121

8.74%

Fast Food Meal (McDonalds, etc)

$9.72 £7.18

$10.93 CA$15.08

-11.07%

Cappuccino

$4.82 £3.56

$4.06 CA$5.60

18.72%

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

$2.85 £2.11

$2.18 CA$3.01

30.73%

Water (0.33 liter bottle)

$2.05 £1.52

$1.70 CA$2.34

20.59%

Local Beer (0.5 liter draught)

$7.87 £5.82

$6.69 CA$9.22

17.64%

Imported Beer (0.33 liter bottle)

$7.17 £5.30

$7.35 CA$10.13

-2.45%

Milk (1 liter)

$1.73 £1.28

$2.78 CA$3.83

-37.77%

White Bread (500g)

$1.91 £1.41

$2.89 CA$3.99

-33.91%

Rice (white) (1kg)

$1.67 £1.23

$2.56 CA$3.54

-34.77%

Eggs

$6.26 £4.63

$3.79 CA$5.22

65.17%

Local Cheese (1kg)

$11.38 £8.41

$10.17 CA$14.02

11.90%

Chicken Fillets (1kg)

$8.48 £6.27

$11.95 CA$16.48

-29.04%

Beef Round Steak (1kg)

$12.74 £9.42

$16.12 CA$22.23

-20.97%

Apples (1kg)

$2.11 £1.56

$3.89 CA$5.37

-45.76%

Banana (1kg)

$1.40 £1.04

$1.27 CA$1.76

10.24%

Oranges (1kg)

$1.87 £1.38

$3.88 CA$5.35

-51.80%

Tomato (1kg)

$5.56 £4.11

$4.33 CA$5.97

28.41%

Potato (1kg)

$1.38 £1.02

$1.83 CA$2.52

-24.59%

Onion (1kg)

$1.59 £1.17

$1.50 CA$2.06

6.00%

Lettuce (1 head)

$1.37 £1.02

$2.28 CA$3.14

-39.91%

Water (1.5 liter bottle)

$1.38 £1.02

$1.44 CA$1.98

-4.17%

Cigarettes 20 Pack (Marlboro, Camel)

$22.82 £16.87

$14.20 CA$19.58

60.70%

Wine (Bottle)

$9.22 £6.82

$14.24 CA$19.64

-35.25%

Local Beer (0.5 liter bottle)

$2.07 £1.53

$2.25 CA$3.10

-8.00%

Imported Beer (0.33 liter bottle)

$1.39 £1.03

$2.53 CA$3.49

-45.06%

One-way Ticket (Public Transport)

$4.88 £3.61

$2.47 CA$3.41

97.57%

Public Transport Monthly Pass (Regular Price)

$112 CA$154

Taxi Start (Normal Tariff)

$13.42 £9.92

$3.05 CA$4.20

340.00%

Taxi (Normal Tariff) (1km)

$3.95 £2.92

$1.24 CA$1.70

218.55%

Taxi 1hour Waiting (Normal Tariff)

$22.44 CA$30.94

Gasoline (1 liter)

$1.94 £1.43

$1.24 CA$1.70

56.45%

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

$40.8K £30.1K

$27.5K CA$37.9K

48.15%

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

$44.3K £32.8K

$21.1K CA$29.2K

109.54%

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

$206 £152

$128 CA$176

61.30%

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

$15.37 £11.36

$33.79 CA$46.59

-54.51%

Internet (50+ Mbps, Unlimited Data)

$40.31 £29.80

$49.25 CA$67.9

-18.15%

Gym Membership (Monthly)

$80.6 £59.6

$40.93 CA$56.5

96.95%

Tennis Court (1 Hour on Weekend)

$24.62 CA$33.95

Cinema Ticket

$14.12 £10.44

$13.16 CA$18.15

7.29%

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

$1,931 £1,427

$792 CA$1,093

143.61%

International Primary School, 1 Child (Yearly)

$24.7K £18.3K

$24.1K CA$33.3K

2.56%

Jeans (Levis 501 Or Similar)

$80.7 £59.7

$54.5 CA$75.2

48.06%

Summer Dress (H&M, Zara, etc)

$60.2 £44.49

$43.11 CA$59.5

39.62%

Sport Shoes (Adidas, Nike)

$107 £79.0

$102 CA$140

5.22%

Men's Leather Business Shoes

$164 £121

$123 CA$170

32.92%

1-bedroom Apartment, City Center (Monthly)

$2,394 £1,770

$1,653 CA$2,279

44.82%

1-bedroom Apartment, Outside City Center (Monthly)

$1,833 £1,355

$1,452 CA$2,002

26.25%

3-bedroom Apartment, City Center (Monthly)

$4,291 £3,172

$2,694 CA$3,716

59.25%

3-bedroom Apartment, Outside City Center (Monthly)

$3,127 £2,311

$2,149 CA$2,964

45.47%

Buy Apartment in City Center (m2)

$7,371 £5,448

$8,347 CA$11.5K

-11.70%

Buy Apartment Outside City Center (m2)

$7,419 £5,484

$6,816 CA$9,399

8.85%

Average Monthly Net Salary (After Tax)

$5,062 £3,742

$3,614 CA$4,984

40.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.3

4.49

18.04%

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

Last update for Harrow: August 31, 2026

Last update for Toronto: August 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,394 in Harrow and $1,653 in Toronto. Housing cost is often the main lever when comparing two cities.

Harrow pays 40% 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: $96.0 in Harrow vs $88.0 in Toronto. Groceries flip the comparison at $298 vs $365, with Harrow cheaper for home cooking.

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

Harrow vs Toronto: Cost of Living - Frequently Asked Questions

Harrow and Toronto differ by about 19% in total monthly costs ($3,115 vs $2,628 including rent). Toronto is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 40% higher in Harrow, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,394 in Harrow versus $1,653 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,931 in Harrow versus $792 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Toronto – a meal for two runs $88.0 versus $96.0 in Harrow. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Toronto 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.

Safety-wise, Harrow 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 Toronto gentler on the wallet – expenses run 19% less than in Harrow. Beyond cost, consider language, visa policies, and how big the international community is in each city.