Last update: Oct 2026

Cost of Living Comparison Between Loja and Toronto

For one person, living is cheaper in Loja: $676 a month against $2,561 in Toronto, rent and utilities included – about $22,600 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Loja
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Loja Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Loja

🇪🇨 Ecuador

$676

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

A single person spends $676 per month in Loja vs $2,561 in Toronto, rent included.

Loja $676
Toronto $2,561

A couple spends around $1,067 per month in Loja vs $3,694 in Toronto, rent included.

Loja $1,067
Toronto $3,694

A family of three spends $1,459 per month in Loja vs $4,826 in Toronto, rent included.

Loja $1,459
Toronto $4,826

Loja is about 74% cheaper than Toronto, and outside of rent the biggest gap is in eating out.

Loja sits 50% below the global median, while Toronto is 90% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.08 $3.08

$17.18 CA$24.29

-82.07%

Three-Course Dinner for Two, Mid-Range

$20.71 $20.71

$76.0 CA$107

-72.74%

Fast Food Meal (McDonalds, etc)

$5.44 $5.44

$10.54 CA$14.89

-48.39%

Cappuccino

$2.22 $2.22

$4.02 CA$5.68

-44.78%

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

$0.77 $0.77

$2.12 CA$3.00

-63.68%

Water (0.33 liter bottle)

$0.45 $0.45

$1.75 CA$2.48

-74.29%

Local Beer (0.5 liter draught)

$1.22 $1.22

$6.24 CA$8.83

-80.45%

Imported Beer (0.33 liter bottle)

$3.17 $3.17

$7.09 CA$10.02

-55.29%

Milk (1 liter)

$0.99 $0.99

$2.44 CA$3.45

-59.43%

White Bread (500g)

$1.51 $1.51

$2.68 CA$3.78

-43.66%

Rice (white) (1kg)

$1.32 $1.32

$2.24 CA$3.17

-41.07%

Eggs

$1.92 $1.92

$3.56 CA$5.03

-46.07%

Local Cheese (1kg)

$5.79 $5.79

$9.09 CA$12.85

-36.30%

Chicken Fillets (1kg)

$4.15 $4.15

$11.33 CA$16.01

-63.37%

Beef Round Steak (1kg)

$5.96 $5.96

$14.53 CA$20.55

-58.98%

Apples (1kg)

$1.69 $1.69

$3.62 CA$5.12

-53.31%

Banana (1kg)

$1.05 $1.05

$1.21 CA$1.72

-13.22%

Oranges (1kg)

$1.18 $1.18

$3.60 CA$5.09

-67.22%

Tomato (1kg)

$1.07 $1.07

$4.21 CA$5.96

-74.58%

Potato (1kg)

$1.06 $1.06

$1.79 CA$2.53

-40.78%

Onion (1kg)

$1.07 $1.07

$1.59 CA$2.25

-32.70%

Lettuce (1 head)

$0.51 $0.51

$2.27 CA$3.21

-77.53%

Water (1.5 liter bottle)

$1.13 $1.13

$1.25 CA$1.77

-9.60%

Cigarettes 20 Pack (Marlboro, Camel)

$5.23 $5.23

$13.82 CA$19.53

-62.16%

Wine (Bottle)

$6.86 $6.86

$14.27 CA$20.18

-51.93%

Local Beer (0.5 liter bottle)

$1.52 $1.52

$2.20 CA$3.10

-30.91%

Imported Beer (0.33 liter bottle)

$3.05 $3.05

$2.43 CA$3.44

25.51%

One-way Ticket (Public Transport)

$0.31 $0.31

$2.39 CA$3.38

-87.03%

Public Transport Monthly Pass (Regular Price)

$30.33 $30.33

$111 CA$157

-72.66%

Taxi Start (Normal Tariff)

$1.27 $1.27

$2.91 CA$4.12

-56.36%

Taxi (Normal Tariff) (1km)

$1.09 $1.09

$1.20 CA$1.69

-9.17%

Taxi 1hour Waiting (Normal Tariff)

$9.88 $9.88

$21.38 CA$30.23

-53.79%

Gasoline (1 liter)

$0.78 $0.78

$1.21 CA$1.71

-35.54%

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

$14.8K $14.8K

$28.2K CA$39.8K

-47.38%

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

$28.7K $28.7K

$20.3K CA$28.6K

41.77%

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

$19.65 $19.65

$120 CA$170

-83.67%

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

$11.63 $11.63

$32.26 CA$45.60

-63.95%

Internet (50+ Mbps, Unlimited Data)

$26.57 $26.57

$47.93 CA$67.8

-44.56%

Gym Membership (Monthly)

$30.27 $30.27

$38.48 CA$54.4

-21.34%

Tennis Court (1 Hour on Weekend)

$14.88 $14.88

$22.96 CA$32.46

-35.19%

Cinema Ticket

$7.46 $7.46

$12.38 CA$17.50

-39.74%

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

$183 $183

$830 CA$1,173

-77.95%

International Primary School, 1 Child (Yearly)

$2,017 $2,017

$23.1K CA$32.6K

-91.26%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$50.7 CA$71.7

4.10%

Summer Dress (H&M, Zara, etc)

$47.03 $47.03

$40.02 CA$56.6

17.52%

Sport Shoes (Adidas, Nike)

$79.1 $79.1

$98.0 CA$139

-19.22%

Men's Leather Business Shoes

$71.2 $71.2

$121 CA$171

-41.03%

1-bedroom Apartment, City Center (Monthly)

$237 $237

$1,592 CA$2,251

-85.11%

1-bedroom Apartment, Outside City Center (Monthly)

$170 $170

$1,410 CA$1,994

-87.94%

3-bedroom Apartment, City Center (Monthly)

$389 $389

$2,670 CA$3,775

-85.42%

3-bedroom Apartment, Outside City Center (Monthly)

$310 $310

$2,152 CA$3,042

-85.58%

Buy Apartment in City Center (m2)

$554 $554

$7,945 CA$11.2K

-93.03%

Buy Apartment Outside City Center (m2)

$323 $323

$6,542 CA$9,249

-95.06%

Average Monthly Net Salary (After Tax)

$496 $496

$3,727 CA$5,269

-86.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.5

4.47

90.16%

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

Last update for Loja: October 12, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Loja

$170 25.2%

Toronto

$1.4K 55.1% 729% $1.2K

Groceries & Markets

Loja

$167 24.7%

Toronto

$340 13.3% 103% $173

Clothing & Footwear

Loja

$113 16.7%

Toronto

$139 5.4% 23.7% $27

Eating Out

Loja

$85 12.6%

Toronto

$278 10.9% 228% $193

Monthly Utilities & Internet

Loja

$58 8.6%

Toronto

$201 7.8% 247% $143

Sport & Entertainment

Loja

$45 6.7%

Toronto

$63 2.5% 39.9% $18

Getting Around

Loja

$38 5.7%

Toronto

$129 5.1% 238% $91

Cost Breakdown

A central one-bedroom costs $237 in Loja versus $1,592 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 651% higher in Toronto, 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 $21.00 in Loja versus $76.0 in Toronto. Monthly groceries follow the same trend: $167 vs $340 – making Loja the more affordable choice for daily food spending.

Good to know

🇪🇨 Loja

🇨🇦 Toronto

🕒 Local time

21:32 9:32 PM

22:32 10:32 PM

1 h ahead of Loja

🌤 Weather

👥 Population

180,617

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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 19, 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

Loja Toronto 5,300 km ≈ 7 h nonstop flight

From you

Loja
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

Loja vs Toronto: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $676 in Loja, $2,561 in Toronto – roughly 279% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,014 per month in Loja and $3,841 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 266% less in Loja. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $183 per month in Loja and $830 in Toronto. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Loja, where all-in costs run around $676, than in Toronto at $2,561. In Loja it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Loja – 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 Loja. 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.