Cost of Living Comparison Between Kelowna and Montreal Cost of Living Comparison Between Kelowna and Montreal

Monthly Cost of Living

Monthly costs for one person with rent: $2,446 in Kelowna versus $2,085 in Montreal.

Estimated couple costs with rent: $3,583 in Kelowna versus $3,174 in Montreal.

Monthly costs for a family of three with rent: $4,720 in Kelowna versus $4,262 in Montreal.

Living in Kelowna is roughly 17% more expensive than in Montreal, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Kelowna 83% above, Montreal 56% above.

Meal at Budget Restaurant

$18.60 CA$26.08

$16.52 CA$23.16

12.59%

Three-Course Dinner for Two, Mid-Range

$66.1 CA$92.7

$74.0 CA$104

-10.66%

Fast Food Meal (McDonalds, etc)

$10.98 CA$15.39

$10.94 CA$15.34

0.37%

Cappuccino

$4.23 CA$5.94

$3.84 CA$5.39

10.16%

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

$2.13 CA$2.98

$2.14 CA$2.99

-0.47%

Water (0.33 liter bottle)

$1.71 CA$2.39

$1.45 CA$2.03

17.93%

Local Beer (0.5 liter draught)

$5.91 CA$8.28

$6.13 CA$8.60

-3.59%

Imported Beer (0.33 liter bottle)

$6.43 CA$9.01

$6.73 CA$9.44

-4.46%

Milk (1 liter)

$1.99 CA$2.78

$2.35 CA$3.30

-15.32%

White Bread (500g)

$3.11 CA$4.36

$3.34 CA$4.68

-6.89%

Rice (white) (1kg)

$3.15 CA$4.41

$3.74 CA$5.25

-15.78%

Eggs

$3.75 CA$5.26

$3.39 CA$4.76

10.62%

Local Cheese (1kg)

$11.07 CA$15.53

$16.30 CA$22.85

-32.09%

Chicken Fillets (1kg)

$15.22 CA$21.34

$11.81 CA$16.56

28.87%

Beef Round Steak (1kg)

$20.18 CA$28.29

$15.64 CA$21.93

29.03%

Apples (1kg)

$3.73 CA$5.23

$3.69 CA$5.18

1.08%

Banana (1kg)

$1.41 CA$1.98

$1.70 CA$2.39

-17.06%

Oranges (1kg)

$3.79 CA$5.31

$4.11 CA$5.76

-7.79%

Tomato (1kg)

$3.97 CA$5.56

$4.41 CA$6.18

-9.98%

Potato (1kg)

$2.51 CA$3.52

$2.79 CA$3.91

-10.04%

Onion (1kg)

$2.87 CA$4.03

$2.64 CA$3.70

8.71%

Lettuce (1 head)

$2.71 CA$3.80

$2.29 CA$3.21

18.34%

Water (1.5 liter bottle)

$1.84 CA$2.59

$1.78 CA$2.50

3.37%

Cigarettes 20 Pack (Marlboro, Camel)

$14.51 CA$20.34

$13.17 CA$18.47

10.17%

Wine (Bottle)

$13.54 CA$18.99

$10.64 CA$14.92

27.26%

Local Beer (0.5 liter bottle)

$2.36 CA$3.30

$2.99 CA$4.19

-21.07%

Imported Beer (0.33 liter bottle)

$3.06 CA$4.29

$3.44 CA$4.82

-11.05%

One-way Ticket (Public Transport)

$1.80 CA$2.52

$2.81 CA$3.94

-35.94%

Public Transport Monthly Pass (Regular Price)

$52.4 CA$73.4

$72.8 CA$102

-28.11%

Taxi Start (Normal Tariff)

$2.90 CA$4.07

$3.52 CA$4.93

-17.61%

Taxi (Normal Tariff) (1km)

$1.71 CA$2.39

$1.45 CA$2.04

17.93%

Taxi 1hour Waiting (Normal Tariff)

$35.79 CA$50.2

$34.29 CA$48.08

4.37%

Gasoline (1 liter)

$1.25 CA$1.75

$1.22 CA$1.72

2.46%

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

$25.3K CA$35.5K

$25.3K CA$35.4K

0.38%

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

$20.2K CA$28.3K

$22.1K CA$31.0K

-8.82%

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

$141 CA$198

$76.5 CA$107

84.50%

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

$51.9 CA$72.8

$35.60 CA$49.91

45.90%

Internet (50+ Mbps, Unlimited Data)

$66.1 CA$92.6

$42.96 CA$60.2

53.79%

Gym Membership (Monthly)

$44.44 CA$62.3

$43.39 CA$60.8

2.42%

Tennis Court (1 Hour on Weekend)

$31.58 CA$44.27

$16.83 CA$23.60

87.64%

Cinema Ticket

$11.58 CA$16.24

$11.09 CA$15.55

4.42%

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

$1,086 CA$1,523

$625 CA$876

73.95%

International Primary School, 1 Child (Yearly)

$16.6K CA$23.3K

$5,896 CA$8,266

181.77%

Jeans (Levis 501 Or Similar)

$51.5 CA$72.2

$63.1 CA$88.5

-18.40%

Summer Dress (H&M, Zara, etc)

$39.83 CA$55.8

$44.50 CA$62.4

-10.49%

Sport Shoes (Adidas, Nike)

$85.6 CA$120

$103 CA$144

-16.77%

Men's Leather Business Shoes

$129 CA$181

$118 CA$166

9.26%

1-bedroom Apartment, City Center (Monthly)

$1,389 CA$1,947

$1,207 CA$1,692

15.06%

1-bedroom Apartment, Outside City Center (Monthly)

$1,201 CA$1,684

$965 CA$1,353

24.47%

3-bedroom Apartment, City Center (Monthly)

$2,229 CA$3,124

$2,031 CA$2,848

9.71%

3-bedroom Apartment, Outside City Center (Monthly)

$1,979 CA$2,774

$1,577 CA$2,211

25.47%

Buy Apartment in City Center (m2)

$3,942 CA$5,527

$5,085 CA$7,129

-22.48%

Buy Apartment Outside City Center (m2)

$3,230 CA$4,529

$3,783 CA$5,304

-14.62%

Average Monthly Net Salary (After Tax)

$2,953 CA$4,141

$2,890 CA$4,051

2.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.53

5.01

30.34%

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

Last update for Kelowna: July 13, 2026

Last update for Montreal: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,389 in Kelowna and $1,207 in Montreal. Housing cost is often the main lever when comparing two cities.

Kelowna pays 2% 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: $66.0 in Kelowna vs $74.0 in Montreal. Groceries flip the comparison at $402 vs $395, with Montreal 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

Kelowna vs Montreal: Cost of Living - Frequently Asked Questions

Kelowna and Montreal differ by about 17% in total monthly costs ($2,446 vs $2,085 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2% higher in Kelowna, 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: $1,389 in Kelowna versus $1,207 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,446 per month in Kelowna versus $2,085 in Montreal – a 17% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Montreal runs roughly 39% less than in Kelowna. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,085 in Montreal versus $2,446 in Kelowna, a $2,000 budget is realistic in Montreal but tight or insufficient in Kelowna. The gap between the two cities makes Montreal 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.

Safety-wise, Kelowna and Montreal 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 Montreal gentler on the wallet – expenses run 17% less than in Kelowna. Beyond cost, consider language, visa policies, and how big the international community is in each city.