Last update: Oct 2026

Cost of Living Comparison Between Kelowna and Montreal

For one person, living is cheaper in Montreal: $2,064 a month against $2,385 in Kelowna, rent and utilities included – about $3,900 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Kelowna
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Kelowna Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Kelowna

🇨🇦 Canada

$2,385

/mo nomad

Montreal

🇨🇦 Canada

$2,064

/mo nomad

Monthly Cost of Living

How much you'll spend in Kelowna 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 Kelowna and in Montreal actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,385 in Kelowna versus $2,064 in Montreal.

Kelowna $2,385
Montreal $2,064

Estimated couple costs with rent: $3,545 in Kelowna versus $3,156 in Montreal.

Kelowna $3,545
Montreal $3,156

Monthly costs for a family of three with rent: $4,706 in Kelowna versus $4,247 in Montreal.

Kelowna $4,706
Montreal $4,247

Living in Kelowna is roughly 16% more expensive than in Montreal, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Kelowna 75% above, Montreal 52% above.

Meal at Budget Restaurant

$16.69 CA$23.42

$18.98 CA$26.64

-12.07%

Three-Course Dinner for Two, Mid-Range

$58.4 CA$82.0

$73.0 CA$102

-19.96%

Fast Food Meal (McDonalds, etc)

$11.50 CA$16.14

$10.88 CA$15.27

5.70%

Cappuccino

$4.01 CA$5.62

$3.81 CA$5.35

5.25%

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

$2.00 CA$2.80

$1.94 CA$2.72

3.09%

Water (0.33 liter bottle)

$1.72 CA$2.41

$1.58 CA$2.22

8.86%

Local Beer (0.5 liter draught)

$4.70 CA$6.60

$6.37 CA$8.94

-26.22%

Imported Beer (0.33 liter bottle)

$5.59 CA$7.84

$7.26 CA$10.20

-23.00%

Milk (1 liter)

$2.04 CA$2.87

$2.23 CA$3.13

-8.52%

White Bread (500g)

$2.82 CA$3.95

$3.17 CA$4.45

-11.04%

Rice (white) (1kg)

$3.59 CA$5.04

$3.31 CA$4.64

8.46%

Eggs

$3.18 CA$4.46

$3.63 CA$5.09

-12.40%

Local Cheese (1kg)

$9.66 CA$13.56

$13.16 CA$18.47

-26.60%

Chicken Fillets (1kg)

$13.28 CA$18.64

$11.56 CA$16.22

14.88%

Beef Round Steak (1kg)

$21.55 CA$30.24

$13.71 CA$19.25

57.18%

Apples (1kg)

$3.57 CA$5.01

$3.29 CA$4.62

8.51%

Banana (1kg)

$1.49 CA$2.09

$1.46 CA$2.05

2.05%

Oranges (1kg)

$3.51 CA$4.93

$3.37 CA$4.73

4.15%

Tomato (1kg)

$4.76 CA$6.68

$3.15 CA$4.42

51.11%

Potato (1kg)

$3.16 CA$4.43

$1.89 CA$2.65

67.20%

Onion (1kg)

$3.13 CA$4.39

$1.79 CA$2.52

74.86%

Lettuce (1 head)

$2.57 CA$3.60

$2.47 CA$3.47

4.05%

Water (1.5 liter bottle)

$1.98 CA$2.78

$1.58 CA$2.22

25.32%

Cigarettes 20 Pack (Marlboro, Camel)

$14.37 CA$20.17

$11.28 CA$15.84

27.39%

Wine (Bottle)

$13.81 CA$19.39

$10.49 CA$14.73

31.65%

Local Beer (0.5 liter bottle)

$2.54 CA$3.56

$2.34 CA$3.28

8.55%

Imported Beer (0.33 liter bottle)

$3.13 CA$4.39

$2.91 CA$4.09

7.56%

One-way Ticket (Public Transport)

$2.18 CA$3.06

$2.61 CA$3.66

-16.48%

Public Transport Monthly Pass (Regular Price)

$49.68 CA$69.7

$79.1 CA$111

-37.22%

Taxi Start (Normal Tariff)

$2.77 CA$3.89

$3.26 CA$4.57

-15.03%

Taxi (Normal Tariff) (1km)

$1.81 CA$2.54

$1.44 CA$2.02

25.69%

Taxi 1hour Waiting (Normal Tariff)

$34.45 CA$48.35

$33.43 CA$46.92

3.05%

Gasoline (1 liter)

$1.24 CA$1.74

$1.33 CA$1.87

-6.77%

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

$28.4K CA$39.9K

$28.6K CA$40.2K

-0.64%

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

$21.1K CA$29.6K

-0.08%

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

$128 CA$180

$80.1 CA$112

60.17%

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

$44.58 CA$62.6

$34.30 CA$48.14

29.97%

Internet (50+ Mbps, Unlimited Data)

$58.4 CA$82.0

$42.85 CA$60.1

36.36%

Gym Membership (Monthly)

$56.3 CA$78.9

$31.14 CA$43.71

80.64%

Tennis Court (1 Hour on Weekend)

$30.66 CA$43.03

$19.41 CA$27.24

57.96%

Cinema Ticket

$11.59 CA$16.27

$11.23 CA$15.76

3.21%

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

$1,054 CA$1,479

$525 CA$737

100.74%

International Primary School, 1 Child (Yearly)

$16.6K CA$23.3K

$16.3K CA$22.9K

1.82%

Jeans (Levis 501 Or Similar)

$48.90 CA$68.6

$58.0 CA$81.4

-15.69%

Summer Dress (H&M, Zara, etc)

$41.53 CA$58.3

$38.11 CA$53.5

8.97%

Sport Shoes (Adidas, Nike)

$84.9 CA$119

$93.4 CA$131

-9.14%

Men's Leather Business Shoes

$98.1 CA$138

$110 CA$155

-10.96%

1-bedroom Apartment, City Center (Monthly)

$1,395 CA$1,958

$1,285 CA$1,803

8.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,218 CA$1,710

$977 CA$1,371

24.75%

3-bedroom Apartment, City Center (Monthly)

$2,455 CA$3,446

$2,271 CA$3,187

8.13%

3-bedroom Apartment, Outside City Center (Monthly)

$2,082 CA$2,921

$1,665 CA$2,336

25.04%

Buy Apartment in City Center (m2)

$4,160 CA$5,838

$5,139 CA$7,212

-19.06%

Buy Apartment Outside City Center (m2)

$3,129 CA$4,391

$3,834 CA$5,381

-18.40%

Average Monthly Net Salary (After Tax)

$3,093 CA$4,341

$3,002 CA$4,213

3.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.69

4.48

4.69%

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

Last update for Kelowna: October 25, 2026

Last update for Montreal: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Kelowna

$1.2K 51.1%

Montreal

$977 47.3% 19.8% $242

Groceries & Markets

Kelowna

$397 16.6%

Montreal

$351 17% 11.5% $45

Eating Out

Kelowna

$266 11.1%

Montreal

$291 14.1% 9.5% $25

Monthly Utilities & Internet

Kelowna

$231 9.7%

Montreal

$157 7.6% 32% $74

Clothing & Footwear

Kelowna

$123 5.2%

Montreal

$135 6.5% 9.6% $12

Sport & Entertainment

Kelowna

$79 3.3%

Montreal

$54 2.6% 32.5% $26

Getting Around

Kelowna

$70 2.9%

Montreal

$100 4.9% 42.5% $30

Cost Breakdown

A one-bedroom apartment in the center runs $1,395 in Kelowna and $1,285 in Montreal. Housing cost is often the main lever when comparing two cities.

Kelowna pays 3% 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: $58 in Kelowna vs $73 in Montreal. Groceries flip the comparison at $397 vs $351, with Montreal cheaper for home cooking.

Good to know

🇨🇦 Kelowna

🇨🇦 Montreal

🕒 Local time

07:35 7:35 AM

10:35 10:35 AM

3 h ahead of Kelowna

🌤 Weather

👥 Population

144,576

1,762,949

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

Exchange rates and currency converter

On the map

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Between locations

Kelowna Montreal 3,420 km ≈ 4 h 45 min nonstop flight

From you

Kelowna
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

Kelowna vs Montreal: Cost of Living - Frequently Asked Questions

Kelowna and Montreal differ by about 16% in total monthly costs ($2,385 vs $2,064 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 3% 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: $1,395 in Kelowna versus $1,285 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,385 per month in Kelowna versus $2,064 in Montreal – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kelowna runs roughly 37% less than in Montreal. Both cities have functional networks, but the price difference matters if you’re watching your budget.

Both cities are expensive relative to $2,000. Montreal is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

It comes down to priorities – Montreal wins on affordability, Kelowna on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.