Last update: Oct 2026

Cost of Living Comparison Between Irving, TX and Toronto

For one person, living costs are similar in Irving, TX and in Toronto: $2,476 and $2,530 a month, rent and utilities included.

118

Cost of Living Index in Irving, TX
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Irving, TX Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Irving, TX

🇺🇸 United States

$2,476

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

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 Toronto actually costs, broken down by who's living it.

A single person spends $2,476 per month in Irving, TX vs $2,530 in Toronto, rent included.

Irving, TX $2,476
Toronto $2,530

A couple spends around $3,568 per month in Irving, TX vs $3,646 in Toronto, rent included.

Irving, TX $3,568
Toronto $3,646

A family of three spends $4,660 per month in Irving, TX vs $4,761 in Toronto, rent included.

Irving, TX $4,660
Toronto $4,761

Irving, TX is about 2% cheaper than Toronto, and outside of rent the biggest gap is in clothing.

Both Irving, TX and Toronto sit above the global median – Irving, TX by 85%, Toronto by 89%.

Meal at Budget Restaurant

$14.71 $14.71

$17.67 CA$25.19

-16.75%

Three-Course Dinner for Two, Mid-Range

$75.2 $75.2

$77.4 CA$110

-2.87%

Fast Food Meal (McDonalds, etc)

$11.03 $11.03

$10.47 CA$14.93

5.35%

Cappuccino

$4.79 $4.79

$4.08 CA$5.81

17.40%

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

$2.52 $2.52

$2.12 CA$3.02

18.87%

Water (0.33 liter bottle)

$1.58 $1.58

$1.76 CA$2.51

-10.23%

Local Beer (0.5 liter draught)

$6.13 $6.13

$6.17 CA$8.80

-0.65%

Imported Beer (0.33 liter bottle)

$5.91 $5.91

$6.89 CA$9.82

-14.22%

Milk (1 liter)

$0.84 $0.84

$2.43 CA$3.46

-65.43%

White Bread (500g)

$2.80 $2.80

$2.75 CA$3.92

1.82%

Rice (white) (1kg)

$3.00 $3.00

$2.23 CA$3.18

34.53%

Eggs

$2.73 $2.73

$3.45 CA$4.91

-20.87%

Local Cheese (1kg)

$9.61 $9.61

$8.93 CA$12.73

7.61%

Chicken Fillets (1kg)

$9.98 $9.98

$11.44 CA$16.31

-12.76%

Beef Round Steak (1kg)

$16.41 $16.41

$14.61 CA$20.83

12.32%

Apples (1kg)

$4.33 $4.33

$3.75 CA$5.34

15.47%

Banana (1kg)

$1.52 $1.52

$1.15 CA$1.64

32.17%

Oranges (1kg)

$3.34 $3.34

$3.55 CA$5.06

-5.92%

Tomato (1kg)

$2.79 $2.79

$4.28 CA$6.10

-34.81%

Potato (1kg)

$1.93 $1.93

$1.85 CA$2.63

4.32%

Onion (1kg)

$1.65 $1.65

$1.67 CA$2.38

-1.20%

Lettuce (1 head)

$1.49 $1.49

$2.22 CA$3.16

-32.88%

Water (1.5 liter bottle)

$1.98 $1.98

$1.21 CA$1.72

63.64%

Cigarettes 20 Pack (Marlboro, Camel)

$9.91 $9.91

$13.88 CA$19.78

-28.60%

Wine (Bottle)

$10.65 $10.65

$14.25 CA$20.31

-25.26%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.20 CA$3.13

-22.73%

Imported Beer (0.33 liter bottle)

$3.94 $3.94

$2.42 CA$3.45

62.81%

One-way Ticket (Public Transport)

$3.08 $3.08

$2.42 CA$3.44

27.27%

Public Transport Monthly Pass (Regular Price)

$127 $127

$111 CA$158

14.82%

Taxi Start (Normal Tariff)

$3.34 $3.34

$2.90 CA$4.13

15.17%

Taxi (Normal Tariff) (1km)

$1.59 $1.59

$1.26 CA$1.80

26.19%

Taxi 1hour Waiting (Normal Tariff)

$30.48 $30.48

$22.03 CA$31.40

38.36%

Gasoline (1 liter)

$0.90 $0.90

$1.22 CA$1.74

-26.23%

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

$26.9K $26.9K

$27.6K CA$39.4K

-2.62%

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

$25.3K $25.3K

$19.8K CA$28.3K

27.88%

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

$226 $226

$122 CA$174

85.17%

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

$50.4 $50.4

$32.03 CA$45.66

57.32%

Internet (50+ Mbps, Unlimited Data)

$67.2 $67.2

$47.92 CA$68.3

40.25%

Gym Membership (Monthly)

$30.37 $30.37

$38.90 CA$55.5

-21.93%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

Cinema Ticket

$16.20 $16.20

$12.61 CA$17.97

28.47%

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

$1,820 $1,820

$834 CA$1,189

118.28%

International Primary School, 1 Child (Yearly)

$19.9K $19.9K

$23.3K CA$33.3K

-14.62%

Jeans (Levis 501 Or Similar)

$22.10 $22.10

$52.6 CA$75.0

-57.98%

Summer Dress (H&M, Zara, etc)

$25.20 $25.20

$40.26 CA$57.4

-37.41%

Sport Shoes (Adidas, Nike)

$64.3 $64.3

$96.2 CA$137

-33.17%

Men's Leather Business Shoes

$98.9 $98.9

$123 CA$175

-19.57%

1-bedroom Apartment, City Center (Monthly)

$1,525 $1,525

$1,598 CA$2,278

-4.60%

1-bedroom Apartment, Outside City Center (Monthly)

$1,177 $1,177

$1,435 CA$2,045

-17.97%

3-bedroom Apartment, City Center (Monthly)

$2,775 $2,775

$2,657 CA$3,787

4.43%

3-bedroom Apartment, Outside City Center (Monthly)

$1,934 $1,934

$2,096 CA$2,988

-7.73%

Buy Apartment in City Center (m2)

$3,703 $3,703

$8,033 CA$11.5K

-53.91%

Buy Apartment Outside City Center (m2)

$2,453 $2,453

$6,557 CA$9,347

-62.59%

Average Monthly Net Salary (After Tax)

$4,498 $4,498

$3,743 CA$5,335

20.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.47

48.10%

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

Last update for Irving, TX: October 3, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Irving, TX

$1.2K 48.7%

Toronto

$1.4K 55.4% 21.9% $258

Monthly Utilities & Internet

Irving, TX

$343 14.2%

Toronto

$202 7.8% 41.2% $141

Groceries & Markets

Irving, TX

$322 13.3%

Toronto

$340 13.1% 5.7% $18

Eating Out

Irving, TX

$267 11.1%

Toronto

$282 10.9% 5.5% $15

Getting Around

Irving, TX

$151 6.2%

Toronto

$130 5% 14% $21

Clothing & Footwear

Irving, TX

$95 3.9%

Toronto

$140 5.4% 48.2% $46

Sport & Entertainment

Irving, TX

$63 2.6%

Toronto

$64 2.5% 2.2% $1.4

Cost Breakdown

A central one-bedroom costs $1,525 in Irving, TX versus $1,598 in Toronto. 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 20% higher in Irving, TX, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $75.0 in Irving, TX versus $77.0 in Toronto. Monthly groceries follow the same trend: $322 vs $340 – making Irving, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Irving, TX

🇨🇦 Toronto

🕒 Local time

01:25 1:25 AM

02:25 2:25 AM

1 h ahead of Irving, TX

🌤 Weather

👥 Population

256,684

2,731,571

💱 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 Toronto 1,940 km ≈ 3 h nonstop flight

From you

Irving, TX
Toronto

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 Toronto: Cost of Living - Frequently Asked Questions

Toronto costs about 2% more than Irving, TX, and outside of rent the gap comes mainly from clothing. 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 $3,795 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Irving, TX, 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 $2,530 in Toronto. That's a gap of about 2%.

Public transport costs about 15% less in Irving, TX. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 is a stretch for both – monthly costs hit $2,476 in Irving, TX and $2,530 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Irving, TX – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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