Last update: Oct 2026

Cost of Living Comparison Between Katy, TX and Toronto

For one person, living is cheaper in Katy, TX: $2,431 a month against $2,610 in Toronto, rent and utilities included – about $2,100 less a year. Rent and utilities account for most of the difference.

118

Cost of Living Index in Katy, TX
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Katy, TX Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Katy, TX

🇺🇸 United States

$2,431

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

How much you'll spend in Katy, 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 Katy, TX and in Toronto actually costs, broken down by who's living it.

A single person spends $2,431 per month in Katy, TX vs $2,610 in Toronto, rent included.

Katy, TX $2,431
Toronto $2,610

A couple spends around $3,672 per month in Katy, TX vs $3,727 in Toronto, rent included.

Katy, TX $3,672
Toronto $3,727

A family of three spends $4,913 per month in Katy, TX vs $4,844 in Toronto, rent included.

Katy, TX $4,913
Toronto $4,844

Katy, TX is about 7% cheaper than Toronto, and outside of rent the biggest gap is in utilities.

Both Katy, TX and Toronto sit above the global median – Katy, TX by 79%, Toronto by 93%.

Meal at Budget Restaurant

$16.86 $16.86

$17.59 CA$24.87

-4.15%

Three-Course Dinner for Two, Mid-Range

$60.5 $60.5

$78.8 CA$111

-23.23%

Fast Food Meal (McDonalds, etc)

$8.79 $8.79

$10.73 CA$15.16

-18.08%

Cappuccino

$3.58 $3.58

$4.09 CA$5.78

-12.47%

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

$2.05 $2.05

$2.10 CA$2.97

-2.38%

Water (0.33 liter bottle)

$2.06 $2.06

$1.72 CA$2.43

19.77%

Local Beer (0.5 liter draught)

$3.94 $3.94

$6.36 CA$8.99

-38.05%

Imported Beer (0.33 liter bottle)

$5.46 $5.46

$7.08 CA$10.01

-22.88%

Milk (1 liter)

$0.91 $0.91

$2.54 CA$3.59

-64.17%

White Bread (500g)

$3.66 $3.66

$2.72 CA$3.85

34.56%

Rice (white) (1kg)

$2.98 $2.98

$2.18 CA$3.09

36.70%

Eggs

$3.08 $3.08

$3.63 CA$5.13

-15.15%

Local Cheese (1kg)

$12.77 $12.77

$9.46 CA$13.37

34.99%

Chicken Fillets (1kg)

$9.27 $9.27

$11.54 CA$16.32

-19.67%

Beef Round Steak (1kg)

$16.07 $16.07

$14.37 CA$20.32

11.83%

Apples (1kg)

$3.77 $3.77

$3.70 CA$5.23

1.89%

Banana (1kg)

$1.23 $1.23

$1.19 CA$1.68

3.36%

Oranges (1kg)

$2.97 $2.97

$3.46 CA$4.90

-14.16%

Tomato (1kg)

$3.15 $3.15

$4.22 CA$5.97

-25.36%

Potato (1kg)

$2.10 $2.10

$1.79 CA$2.52

17.32%

Onion (1kg)

$2.35 $2.35

$1.65 CA$2.33

42.42%

Lettuce (1 head)

$1.77 $1.77

$2.20 CA$3.11

-19.55%

Water (1.5 liter bottle)

$1.24 $1.24

$1.26 CA$1.78

-1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$9.77 $9.77

$13.97 CA$19.75

-30.06%

Wine (Bottle)

$12.36 $12.36

$14.20 CA$20.07

-12.96%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.25 CA$3.18

-22.22%

Imported Beer (0.33 liter bottle)

$1.63 $1.63

$2.53 CA$3.58

-35.57%

One-way Ticket (Public Transport)

$4.59 $4.59

$2.32 CA$3.28

97.84%

Public Transport Monthly Pass (Regular Price)

$91.0 $91.0

$112 CA$158

-18.54%

Taxi Start (Normal Tariff)

$2.80 $2.80

$3.06 CA$4.33

-8.50%

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$1.22 CA$1.72

29.51%

Taxi 1hour Waiting (Normal Tariff)

$34.39 $34.39

$21.69 CA$30.66

58.55%

Gasoline (1 liter)

$0.82 $0.82

$1.21 CA$1.72

-32.23%

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

$32.5K $32.5K

$26.1K CA$37.0K

24.35%

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

$24.6K $24.6K

$21.1K CA$29.9K

16.23%

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

$226 $226

$120 CA$169

89.18%

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

$57.4 $57.4

$32.21 CA$45.54

78.05%

Internet (50+ Mbps, Unlimited Data)

$70.7 $70.7

$48.88 CA$69.1

44.72%

Gym Membership (Monthly)

$30.38 $30.38

$39.34 CA$55.6

-22.78%

Tennis Court (1 Hour on Weekend)

$25.12 $25.12

$23.58 CA$33.34

6.53%

Cinema Ticket

$11.93 $11.93

$12.58 CA$17.79

-5.17%

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

$1,004 $1,004

$832 CA$1,176

20.63%

International Primary School, 1 Child (Yearly)

$19.3K $19.3K

$23.6K CA$33.4K

-18.23%

Jeans (Levis 501 Or Similar)

$52.6 $52.6

$52.3 CA$73.9

0.65%

Summer Dress (H&M, Zara, etc)

$43.11 $43.11

$39.44 CA$55.8

9.31%

Sport Shoes (Adidas, Nike)

$86.8 $86.8

$99.0 CA$140

-12.34%

Men's Leather Business Shoes

$104 $104

$122 CA$172

-14.98%

1-bedroom Apartment, City Center (Monthly)

$1,594 $1,594

$1,631 CA$2,306

-2.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,196 $1,196

$1,448 CA$2,048

-17.42%

3-bedroom Apartment, City Center (Monthly)

$2,601 $2,601

$2,737 CA$3,869

-4.97%

3-bedroom Apartment, Outside City Center (Monthly)

$2,268 $2,268

$2,129 CA$3,010

6.50%

Buy Apartment in City Center (m2)

$2,028 $2,028

$8,206 CA$11.6K

-75.28%

Buy Apartment Outside City Center (m2)

$1,693 $1,693

$6,838 CA$9,666

-75.24%

Average Monthly Net Salary (After Tax)

$5,760 $5,760

$3,520 CA$4,976

63.64%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.41

4.47

43.40%

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

Last update for Katy, TX: October 19, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Katy, TX

$1.2K 49.2%

Toronto

$1.4K 55.5% 21.1% $252

Monthly Utilities & Internet

Katy, TX

$354 14.6%

Toronto

$201 7.7% 43.4% $154

Groceries & Markets

Katy, TX

$326 13.4%

Toronto

$343 13.1% 5.1% $17

Eating Out

Katy, TX

$251 10.3%

Toronto

$283 10.9% 12.7% $32

Clothing & Footwear

Katy, TX

$129 5.3%

Toronto

$141 5.4% 9.3% $12

Getting Around

Katy, TX

$120 4.9%

Toronto

$130 5% 8.4% $10

Sport & Entertainment

Katy, TX

$54 2.2%

Toronto

$65 2.5% 18.9% $10

Cost Breakdown

A central one-bedroom costs $1,594 in Katy, TX versus $1,631 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 64% higher in Katy, 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 $61.0 in Katy, TX versus $79.0 in Toronto. Monthly groceries follow the same trend: $326 vs $343 – making Katy, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Katy, TX

🇨🇦 Toronto

🕒 Local time

15:40 3:40 PM

16:40 4:40 PM

1 h ahead of Katy, TX

🌤 Weather

👥 Population

14,102

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 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 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

On the map

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Between locations

Katy, TX Toronto 2,120 km ≈ 3 h 15 min nonstop flight

From you

Katy, 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

Katy, TX vs Toronto: Cost of Living - Frequently Asked Questions

Toronto costs about 7% more than Katy, TX, and outside of rent the gap comes mainly from utilities. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,646 per month in Katy, TX and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 5% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $61.0 in Katy, TX and $79.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,431 in Katy, TX and $2,610 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

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

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 Katy, 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.