Last update: Oct 2026

Cost of Living Comparison Between Irving, TX and Montreal

For one person, living is cheaper in Montreal: $2,003 a month against $2,476 in Irving, TX, rent and utilities included – about $5,700 less a year. Rent and utilities account for most of the difference.

118

Cost of Living Index in Irving, TX
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Irving, TX Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Irving, TX

🇺🇸 United States

$2,476

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

How much you'll spend in Irving, TX and in Montreal

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Irving, TX and in Montreal actually costs, broken down by who's living it.

A single person spends $2,476 per month in Irving, TX vs $2,003 in Montreal, rent included.

Irving, TX $2,476
Montreal $2,003

A couple spends around $3,568 per month in Irving, TX vs $3,048 in Montreal, rent included.

Irving, TX $3,568
Montreal $3,048

A family of three spends $4,660 per month in Irving, TX vs $4,092 in Montreal, rent included.

Irving, TX $4,660
Montreal $4,092

Irving, TX costs about 24% more than Montreal, and outside of rent the biggest gap is in transport.

Both Irving, TX and Montreal sit above the global median – Irving, TX by 85%, Montreal by 49%.

Meal at Budget Restaurant

$14.71 $14.71

$19.31 CA$27.52

-23.82%

Three-Course Dinner for Two, Mid-Range

$75.2 $75.2

$75.5 CA$108

-0.45%

Fast Food Meal (McDonalds, etc)

$11.03 $11.03

$10.63 CA$15.15

3.76%

Cappuccino

$4.79 $4.79

$3.93 CA$5.60

21.88%

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

$2.52 $2.52

$1.92 CA$2.73

31.25%

Water (0.33 liter bottle)

$1.58 $1.58

$1.48 CA$2.11

6.76%

Local Beer (0.5 liter draught)

$6.13 $6.13

$6.30 CA$8.98

-2.70%

Imported Beer (0.33 liter bottle)

$5.91 $5.91

$7.19 CA$10.24

-17.80%

Milk (1 liter)

$0.84 $0.84

$2.22 CA$3.17

-62.16%

White Bread (500g)

$2.80 $2.80

$3.06 CA$4.36

-8.50%

Rice (white) (1kg)

$3.00 $3.00

$2.94 CA$4.19

2.04%

Eggs

$2.73 $2.73

$3.53 CA$5.03

-22.66%

Local Cheese (1kg)

$9.61 $9.61

$13.19 CA$18.79

-27.14%

Chicken Fillets (1kg)

$9.98 $9.98

$11.24 CA$16.02

-11.21%

Beef Round Steak (1kg)

$16.41 $16.41

$13.81 CA$19.69

18.83%

Apples (1kg)

$4.33 $4.33

$3.40 CA$4.85

27.35%

Banana (1kg)

$1.52 $1.52

$1.44 CA$2.06

5.56%

Oranges (1kg)

$3.34 $3.34

$3.26 CA$4.65

2.45%

Tomato (1kg)

$2.79 $2.79

$2.88 CA$4.10

-3.12%

Potato (1kg)

$1.93 $1.93

$1.86 CA$2.65

3.76%

Onion (1kg)

$1.65 $1.65

$1.82 CA$2.60

-9.34%

Lettuce (1 head)

$1.49 $1.49

$2.43 CA$3.46

-38.68%

Water (1.5 liter bottle)

$1.98 $1.98

$1.52 CA$2.17

30.26%

Cigarettes 20 Pack (Marlboro, Camel)

$9.91 $9.91

$11.45 CA$16.32

-13.45%

Wine (Bottle)

$10.65 $10.65

$10.36 CA$14.76

2.80%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.22 CA$3.16

-23.42%

Imported Beer (0.33 liter bottle)

$3.94 $3.94

$2.82 CA$4.02

39.72%

One-way Ticket (Public Transport)

$3.08 $3.08

$2.58 CA$3.67

19.38%

Public Transport Monthly Pass (Regular Price)

$127 $127

$76.9 CA$110

65.37%

Taxi Start (Normal Tariff)

$3.34 $3.34

$3.25 CA$4.64

2.77%

Taxi (Normal Tariff) (1km)

$1.59 $1.59

$1.48 CA$2.11

7.43%

Taxi 1hour Waiting (Normal Tariff)

$30.48 $30.48

$33.04 CA$47.09

-7.75%

Gasoline (1 liter)

$0.90 $0.90

$1.36 CA$1.94

-33.82%

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

$26.9K $26.9K

$27.4K CA$39.1K

-1.90%

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

$25.3K $25.3K

$20.0K CA$28.5K

26.88%

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

$226 $226

$76.1 CA$109

196.48%

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

$50.4 $50.4

$34.68 CA$49.43

45.30%

Internet (50+ Mbps, Unlimited Data)

$67.2 $67.2

$42.69 CA$60.9

57.44%

Gym Membership (Monthly)

$30.37 $30.37

$28.94 CA$41.26

4.94%

Tennis Court (1 Hour on Weekend)

$20.33 CA$28.97

Cinema Ticket

$16.20 $16.20

$11.21 CA$15.98

44.51%

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

$1,820 $1,820

$505 CA$720

260.40%

International Primary School, 1 Child (Yearly)

$19.9K $19.9K

$16.0K CA$22.8K

24.45%

Jeans (Levis 501 Or Similar)

$22.10 $22.10

$58.5 CA$83.4

-62.22%

Summer Dress (H&M, Zara, etc)

$25.20 $25.20

$38.00 CA$54.2

-33.68%

Sport Shoes (Adidas, Nike)

$64.3 $64.3

$92.7 CA$132

-30.65%

Men's Leather Business Shoes

$98.9 $98.9

$106 CA$151

-6.52%

1-bedroom Apartment, City Center (Monthly)

$1,525 $1,525

$1,240 CA$1,768

22.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,177 $1,177

$986 CA$1,405

19.38%

3-bedroom Apartment, City Center (Monthly)

$2,775 $2,775

$2,102 CA$2,996

31.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,934 $1,934

$1,615 CA$2,302

19.77%

Buy Apartment in City Center (m2)

$3,703 $3,703

$5,043 CA$7,188

-26.58%

Buy Apartment Outside City Center (m2)

$2,453 $2,453

$3,830 CA$5,459

-35.94%

Average Monthly Net Salary (After Tax)

$4,498 $4,498

$2,920 CA$4,163

54.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.46

48.43%

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

Last update for Irving, TX: October 3, 2026

Last update for Montreal: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Irving, TX

$1.2K 48.7%

Montreal

$986 47.9% 16.2% $191

Monthly Utilities & Internet

Irving, TX

$343 14.2%

Montreal

$154 7.5% 55.3% $190

Groceries & Markets

Irving, TX

$322 13.3%

Montreal

$344 16.7% 6.8% $22

Eating Out

Irving, TX

$267 11.1%

Montreal

$293 14.2% 9.7% $26

Getting Around

Irving, TX

$151 6.2%

Montreal

$98 4.8% 35.1% $53

Clothing & Footwear

Irving, TX

$95 3.9%

Montreal

$133 6.5% 40.2% $38

Sport & Entertainment

Irving, TX

$63 2.6%

Montreal

$51 2.5% 18.2% $11

Cost Breakdown

A central one-bedroom costs $1,525 in Irving, TX versus $1,240 in Montreal. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 54% higher in Irving, TX, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $75.0 in Irving, TX versus $75.0 in Montreal. Monthly groceries follow the same trend: $322 vs $344 – making Irving, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Irving, TX

🇨🇦 Montreal

🕒 Local time

02:08 2:08 AM

03:08 3:08 AM

1 h ahead of Irving, TX

🌤 Weather

👥 Population

256,684

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 11, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

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Between locations

Irving, TX Montreal 2,440 km ≈ 3 h 30 min nonstop flight

From you

Irving, TX
Montreal

Distances are measured in a straight line. Your location is detected approximately.

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

Irving, TX vs Montreal: Cost of Living - Frequently Asked Questions

Irving, TX costs about 24% more than Montreal, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,713 per month in Irving, TX and $3,005 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montreal, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,476 in Irving, TX and $2,003 in Montreal. That's a gap of about 24%.

Public transport costs about 65% less in Montreal. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Irving, TX at $2,476. In Montreal it covers expenses comfortably, while in Irving, TX it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,003 versus $2,476 in Irving, TX. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Montreal. If higher salaries, better infrastructure, or specific career opportunities are the priority, Irving, TX makes more sense. Both are solid long-term options with distinct trade-offs.