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: $3,120 in Harrow versus $2,768 in Toronto.

Estimated couple costs with rent: $4,566 in Harrow versus $4,066 in Toronto.

Monthly costs for a family of three with rent: $6,013 in Harrow versus $5,364 in Toronto.

Living in Harrow is roughly 13% more expensive than Toronto, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Harrow 132% above, Toronto 106% above.

Meal at Budget Restaurant

$20.72 £15.35

$18.40 CA$25.20

12.61%

Three-Course Dinner for Two, Mid-Range

$96.1 £71.2

$81.3 CA$111

18.11%

Fast Food Meal (McDonalds, etc)

$9.48 £7.02

$10.92 CA$14.97

-13.19%

Cappuccino

$4.77 £3.54

$3.83 CA$5.25

24.54%

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

$2.94 £2.18

$2.19 CA$3.01

34.25%

Water (0.33 liter bottle)

$2.17 £1.61

$1.64 CA$2.25

32.32%

Local Beer (0.5 liter draught)

$6.42 £4.76

$5.87 CA$8.05

9.37%

Imported Beer (0.33 liter bottle)

$6.76 £5.01

$6.74 CA$9.24

0.30%

Milk (1 liter)

$1.58 £1.17

$2.69 CA$3.68

-41.26%

White Bread (500g)

$1.74 £1.29

$2.78 CA$3.81

-37.41%

Rice (white) (1kg)

$4.27 £3.16

$3.51 CA$4.81

21.65%

Eggs

$6.25 £4.63

$3.47 CA$4.76

80.12%

Local Cheese (1kg)

$9.62 £7.13

$13.25 CA$18.15

-27.40%

Chicken Fillets (1kg)

$9.28 £6.87

$12.92 CA$17.70

-28.17%

Beef Round Steak (1kg)

$17.45 £12.93

$16.38 CA$22.44

6.53%

Apples (1kg)

$3.49 £2.58

$4.03 CA$5.52

-13.40%

Banana (1kg)

$1.20 £0.89

$1.17 CA$1.61

2.56%

Oranges (1kg)

$2.72 £2.02

$3.35 CA$4.59

-18.81%

Tomato (1kg)

$5.34 £3.95

$4.01 CA$5.50

33.17%

Potato (1kg)

$1.39 £1.03

$2.44 CA$3.34

-43.03%

Onion (1kg)

$3.97 £2.94

$2.84 CA$3.90

39.79%

Lettuce (1 head)

$1.19 £0.88

$2.39 CA$3.27

-50.21%

Water (1.5 liter bottle)

$1.29 £0.95

$1.98 CA$2.71

-34.85%

Cigarettes 20 Pack (Marlboro, Camel)

$21.62 £16.02

$14.82 CA$20.31

45.88%

Wine (Bottle)

$10.60 £7.85

$14.37 CA$19.68

-26.24%

Local Beer (0.5 liter bottle)

$2.03 £1.50

$2.77 CA$3.79

-26.71%

Imported Beer (0.33 liter bottle)

$1.34 £0.99

$3.30 CA$4.52

-59.39%

One-way Ticket (Public Transport)

$2.93 £2.17

$2.45 CA$3.35

19.59%

Public Transport Monthly Pass (Regular Price)

$87.1 £64.6

$113 CA$155

-23.23%

Taxi Start (Normal Tariff)

$5.49 £4.06

$3.61 CA$4.95

52.08%

Taxi (Normal Tariff) (1km)

$2.20 £1.63

$1.42 CA$1.94

54.93%

Taxi 1hour Waiting (Normal Tariff)

$23.32 £17.28

$25.90 CA$35.48

-9.96%

Gasoline (1 liter)

$2.00 £1.48

$1.10 CA$1.50

81.82%

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

$37.9K £28.1K

$25.5K CA$35.0K

48.26%

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

$41.1K £30.5K

$21.0K CA$28.7K

96.32%

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

$186 £138

$119 CA$163

56.55%

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

$15.18 £11.25

$37.69 CA$51.6

-59.72%

Internet (50+ Mbps, Unlimited Data)

$43.35 £32.12

$54.6 CA$74.7

-20.53%

Gym Membership (Monthly)

$53.4 £39.57

$57.3 CA$78.5

-6.74%

Tennis Court (1 Hour on Weekend)

$20.19 £14.96

$20.68 CA$28.33

-2.37%

Cinema Ticket

$16.86 £12.50

$11.62 CA$15.92

45.09%

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

$1,186 £879

$1,118 CA$1,531

6.10%

International Primary School, 1 Child (Yearly)

$18.5K £13.7K

$18.3K CA$25.0K

1.22%

Jeans (Levis 501 Or Similar)

$88.9 £65.9

$57.3 CA$78.6

55.10%

Summer Dress (H&M, Zara, etc)

$68.8 £51.0

$39.80 CA$54.5

72.74%

Sport Shoes (Adidas, Nike)

$109 £81.0

$88.4 CA$121

23.59%

Men's Leather Business Shoes

$202 £150

$116 CA$159

74.50%

1-bedroom Apartment, City Center (Monthly)

$2,492 £1,847

$1,836 CA$2,516

35.73%

1-bedroom Apartment, Outside City Center (Monthly)

$1,776 £1,316

$1,550 CA$2,124

14.57%

3-bedroom Apartment, City Center (Monthly)

$3,752 £2,780

$2,991 CA$4,097

25.44%

3-bedroom Apartment, Outside City Center (Monthly)

$2,874 £2,129

$2,492 CA$3,415

15.29%

Buy Apartment in City Center (m2)

$7,479 £5,542

$8,566 CA$11.7K

-12.69%

Buy Apartment Outside City Center (m2)

$7,303 £5,411

$6,905 CA$9,460

5.76%

Average Monthly Net Salary (After Tax)

$5,201 £3,854

$3,697 CA$5,064

40.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.77

5.16

11.82%

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

Last update for Harrow: April 13, 2026

Last update for Toronto: April 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,492 in Harrow and $1,836 in Toronto. Housing cost is often the main lever when comparing two cities.

Harrow pays 41% 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 in Harrow vs $81 in Toronto. Groceries flip the comparison at $331 vs $392, 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 13% in total monthly costs ($3,120 vs $2,768 including rent). Toronto is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Harrow pays 41% more on average, 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: $2,492 in Harrow versus $1,836 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Toronto runs roughly 30% less than in Harrow. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $1,186 in Harrow versus $1,118 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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 13% less than in Harrow. Beyond cost, consider language, visa policies, and how big the international community is in each city.