Cost of Living Comparison Between Hearst and Toronto Cost of Living Comparison Between Hearst and Toronto

Monthly Cost of Living

Monthly costs for one person with rent: $2,348 in Hearst versus $2,811 in Toronto.

Estimated couple costs with rent: $3,364 in Hearst versus $4,130 in Toronto.

Monthly costs for a family of three with rent: $4,380 in Hearst versus $5,449 in Toronto.

Living in Hearst costs roughly 16% less than in Toronto, driven mainly by Getting Around.

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

Meal at Budget Restaurant

$16.91 CA$23.52

$18.71 CA$26.02

-9.62%

Three-Course Dinner for Two, Mid-Range

$69.2 CA$96.2

$81.9 CA$114

-15.51%

Fast Food Meal (McDonalds, etc)

$11.14 CA$15.50

$10.83 CA$15.06

2.86%

Cappuccino

$3.82 CA$5.31

$3.89 CA$5.41

-1.80%

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

$2.07 CA$2.88

$2.22 CA$3.09

-6.76%

Water (0.33 liter bottle)

$1.65 CA$2.30

$1.65 CA$2.29

Local Beer (0.5 liter draught)

$5.43 CA$7.55

$6.05 CA$8.41

-10.25%

Imported Beer (0.33 liter bottle)

$6.01 CA$8.36

$6.58 CA$9.15

-8.66%

Milk (1 liter)

$2.16 CA$3.00

$2.73 CA$3.79

-20.88%

White Bread (500g)

$2.73 CA$3.79

$2.72 CA$3.78

0.37%

Rice (white) (1kg)

$3.63 CA$5.05

$3.54 CA$4.92

2.54%

Eggs

$3.41 CA$4.74

$3.50 CA$4.87

-2.57%

Local Cheese (1kg)

$10.96 CA$15.24

$13.53 CA$18.81

-18.99%

Chicken Fillets (1kg)

$11.50 CA$15.99

$13.09 CA$18.20

-12.15%

Beef Round Steak (1kg)

$14.90 CA$20.73

$16.96 CA$23.59

-12.15%

Apples (1kg)

$4.09 CA$5.69

$4.16 CA$5.79

-1.68%

Banana (1kg)

$1.43 CA$1.98

$1.18 CA$1.64

21.19%

Oranges (1kg)

$3.64 CA$5.07

$3.25 CA$4.52

12.00%

Tomato (1kg)

$3.74 CA$5.20

$4.12 CA$5.73

-9.22%

Potato (1kg)

$2.51 CA$3.49

$2.50 CA$3.48

0.40%

Onion (1kg)

$2.54 CA$3.54

$2.88 CA$4.00

-11.81%

Lettuce (1 head)

$2.64 CA$3.68

$2.35 CA$3.27

12.34%

Water (1.5 liter bottle)

$1.76 CA$2.45

$2.00 CA$2.78

-12.00%

Cigarettes 20 Pack (Marlboro, Camel)

$14.03 CA$19.52

$14.58 CA$20.28

-3.77%

Wine (Bottle)

$12.47 CA$17.34

$14.18 CA$19.71

-12.06%

Local Beer (0.5 liter bottle)

$2.95 CA$4.10

$2.80 CA$3.89

5.36%

Imported Beer (0.33 liter bottle)

$3.00 CA$4.18

$3.25 CA$4.53

-7.69%

One-way Ticket (Public Transport)

$2.31 CA$3.21

$2.40 CA$3.34

-3.75%

Public Transport Monthly Pass (Regular Price)

$62.2 CA$86.5

$114 CA$159

-45.45%

Taxi Start (Normal Tariff)

$3.26 CA$4.54

$3.76 CA$5.22

-13.30%

Taxi (Normal Tariff) (1km)

$1.50 CA$2.08

$1.41 CA$1.96

6.38%

Taxi 1hour Waiting (Normal Tariff)

$26.03 CA$36.20

$25.53 CA$35.50

1.96%

Gasoline (1 liter)

$1.17 CA$1.62

$1.10 CA$1.53

6.36%

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

$25.0K CA$34.8K

$25.2K CA$35.1K

-0.95%

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

$20.5K CA$28.5K

$21.1K CA$29.3K

-2.61%

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

$143 CA$198

$120 CA$166

19.31%

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

$44.04 CA$61.3

$37.54 CA$52.2

17.31%

Internet (50+ Mbps, Unlimited Data)

$63.7 CA$88.6

$54.5 CA$75.8

16.91%

Gym Membership (Monthly)

$41.31 CA$57.4

$55.5 CA$77.2

-25.58%

Tennis Court (1 Hour on Weekend)

$14.82 CA$20.62

$21.15 CA$29.41

-29.93%

Cinema Ticket

$11.45 CA$15.93

$11.56 CA$16.07

-0.95%

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

$734 CA$1,021

$1,129 CA$1,571

-35.00%

International Primary School, 1 Child (Yearly)

$12.0K CA$16.6K

$18.0K CA$25.0K

-33.46%

Jeans (Levis 501 Or Similar)

$54.0 CA$75.1

$56.9 CA$79.2

-5.20%

Summer Dress (H&M, Zara, etc)

$39.98 CA$55.6

$39.96 CA$55.6

0.05%

Sport Shoes (Adidas, Nike)

$85.8 CA$119

$89.7 CA$125

-4.32%

Men's Leather Business Shoes

$109 CA$152

$114 CA$159

-4.49%

1-bedroom Apartment, City Center (Monthly)

$1,289 CA$1,792

$1,849 CA$2,572

-30.32%

1-bedroom Apartment, Outside City Center (Monthly)

$1,158 CA$1,610

$1,560 CA$2,169

-25.78%

3-bedroom Apartment, City Center (Monthly)

$1,992 CA$2,770

$2,925 CA$4,068

-31.90%

3-bedroom Apartment, Outside City Center (Monthly)

$1,784 CA$2,482

$2,470 CA$3,435

-27.76%

Buy Apartment in City Center (m2)

$4,349 CA$6,048

$9,085 CA$12.6K

-52.13%

Buy Apartment Outside City Center (m2)

$3,475 CA$4,832

$7,036 CA$9,785

-50.61%

Average Monthly Net Salary (After Tax)

$3,189 CA$4,435

$3,572 CA$4,967

-10.72%

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 Hearst: June 1, 2026

Last update for Toronto: May 31, 2026

Cost Breakdown

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

Toronto pays 12% 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 Hearst vs $82.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $364 vs $396 per month, with Hearst 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

Hearst vs Toronto: Cost of Living - Frequently Asked Questions

Hearst and Toronto differ by about 20% in total monthly costs ($2,348 vs $2,811 including rent). Hearst is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Toronto earns 12% 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 Hearst versus $1,849 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $734 in Hearst versus $1,129 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $2,348 in Hearst versus $2,811 in Toronto, a $3,000 budget is realistic in Hearst but tight or insufficient in Toronto. The gap between the two cities makes Hearst 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.

Expats usually find Hearst 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.