Last update: Oct 2026

Cost of Living Comparison Between Loveland, CO and Montreal

For one person, living is cheaper in Montreal: $2,003 a month against $2,900 in Loveland, CO, rent and utilities included – about $10,800 less a year. Rent and utilities account for most of the difference.

142

Cost of Living Index in Loveland, CO
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Loveland, CO Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Loveland, CO

🇺🇸 United States

$2,900

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

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

A single person spends $2,900 per month in Loveland, CO vs $2,003 in Montreal, rent included.

Loveland, CO $2,900
Montreal $2,003

A couple spends around $4,045 per month in Loveland, CO vs $3,048 in Montreal, rent included.

Loveland, CO $4,045
Montreal $3,048

A family of three spends $5,190 per month in Loveland, CO vs $4,092 in Montreal, rent included.

Loveland, CO $5,190
Montreal $4,092

Loveland, CO costs about 45% more than Montreal, and outside of rent the biggest gap is in utilities.

Both Loveland, CO and Montreal sit above the global median – Loveland, CO by 116%, Montreal by 49%.

Meal at Budget Restaurant

$20.66 $20.66

$19.31 CA$27.52

6.99%

Three-Course Dinner for Two, Mid-Range

$86.0 $86.0

$75.5 CA$108

13.84%

Fast Food Meal (McDonalds, etc)

$11.52 $11.52

$10.63 CA$15.15

8.37%

Cappuccino

$5.80 $5.80

$3.93 CA$5.60

47.58%

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

$3.06 $3.06

$1.92 CA$2.73

59.38%

Water (0.33 liter bottle)

$2.17 $2.17

$1.48 CA$2.11

46.62%

Local Beer (0.5 liter draught)

$7.14 $7.14

$6.30 CA$8.98

13.33%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$7.19 CA$10.24

-2.09%

Milk (1 liter)

$1.07 $1.07

$2.22 CA$3.17

-51.80%

White Bread (500g)

$5.28 $5.28

$3.06 CA$4.36

72.55%

Rice (white) (1kg)

$2.43 $2.43

$2.94 CA$4.19

-17.35%

Eggs

$5.21 $5.21

$3.53 CA$5.03

47.59%

Local Cheese (1kg)

$13.71 $13.71

$13.19 CA$18.79

3.94%

Chicken Fillets (1kg)

$10.73 $10.73

$11.24 CA$16.02

-4.54%

Beef Round Steak (1kg)

$14.28 $14.28

$13.81 CA$19.69

3.40%

Apples (1kg)

$5.26 $5.26

$3.40 CA$4.85

54.71%

Banana (1kg)

$1.45 $1.45

$1.44 CA$2.06

0.69%

Oranges (1kg)

$3.01 $3.01

$3.26 CA$4.65

-7.67%

Tomato (1kg)

$3.40 $3.40

$2.88 CA$4.10

18.06%

Potato (1kg)

$2.13 $2.13

$1.86 CA$2.65

14.52%

Onion (1kg)

$2.32 $2.32

$1.82 CA$2.60

27.47%

Lettuce (1 head)

$2.29 $2.29

$2.43 CA$3.46

-5.76%

Water (1.5 liter bottle)

$2.32 $2.32

$1.52 CA$2.17

52.63%

Cigarettes 20 Pack (Marlboro, Camel)

$9.86 $9.86

$11.45 CA$16.32

-13.89%

Wine (Bottle)

$16.25 $16.25

$10.36 CA$14.76

56.85%

Local Beer (0.5 liter bottle)

$2.47 $2.47

$2.22 CA$3.16

11.26%

Imported Beer (0.33 liter bottle)

$1.97 $1.97

$2.82 CA$4.02

-30.14%

One-way Ticket (Public Transport)

$1.02 $1.02

$2.58 CA$3.67

-60.47%

Public Transport Monthly Pass (Regular Price)

$29.60 $29.60

$76.9 CA$110

-61.50%

Taxi Start (Normal Tariff)

$3.40 $3.40

$3.25 CA$4.64

4.62%

Taxi (Normal Tariff) (1km)

$1.21 $1.21

$1.48 CA$2.11

-18.24%

Taxi 1hour Waiting (Normal Tariff)

$30.20 $30.20

$33.04 CA$47.09

-8.60%

Gasoline (1 liter)

$0.96 $0.96

$1.36 CA$1.94

-29.41%

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

$34.9K $34.9K

$27.4K CA$39.1K

27.35%

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

$27.6K $27.6K

$20.0K CA$28.5K

38.14%

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

$166 $166

$76.1 CA$109

118.34%

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

$75.5 $75.5

$34.68 CA$49.43

117.73%

Internet (50+ Mbps, Unlimited Data)

$70.8 $70.8

$42.69 CA$60.9

65.94%

Gym Membership (Monthly)

$33.95 $33.95

$28.94 CA$41.26

17.31%

Tennis Court (1 Hour on Weekend)

$20.33 CA$28.97

Cinema Ticket

$14.95 $14.95

$11.21 CA$15.98

33.36%

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

$1,686 $1,686

$505 CA$720

233.79%

International Primary School, 1 Child (Yearly)

$6,452 $6,452

$16.0K CA$22.8K

-59.70%

Jeans (Levis 501 Or Similar)

$61.0 $61.0

$58.5 CA$83.4

4.21%

Summer Dress (H&M, Zara, etc)

$49.88 $49.88

$38.00 CA$54.2

31.26%

Sport Shoes (Adidas, Nike)

$84.1 $84.1

$92.7 CA$132

-9.26%

Men's Leather Business Shoes

$113 $113

$106 CA$151

7.13%

1-bedroom Apartment, City Center (Monthly)

$1,703 $1,703

$1,240 CA$1,768

37.32%

1-bedroom Apartment, Outside City Center (Monthly)

$1,632 $1,632

$986 CA$1,405

65.57%

3-bedroom Apartment, City Center (Monthly)

$2,540 $2,540

$2,102 CA$2,996

20.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,166 $2,166

$1,615 CA$2,302

34.11%

Buy Apartment in City Center (m2)

$5,043 CA$7,188

Buy Apartment Outside City Center (m2)

$3,830 CA$5,459

Average Monthly Net Salary (After Tax)

$4,278 $4,278

$2,920 CA$4,163

46.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

4.46

53.81%

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

Last update for Loveland, CO: October 3, 2026

Last update for Montreal: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Loveland, CO

$1.6K 55.8%

Montreal

$986 47.9% 39.6% $647

Groceries & Markets

Loveland, CO

$392 13.4%

Montreal

$344 16.7% 12.4% $49

Eating Out

Loveland, CO

$340 11.6%

Montreal

$293 14.2% 13.9% $47

Monthly Utilities & Internet

Loveland, CO

$313 10.7%

Montreal

$154 7.5% 50.9% $159

Clothing & Footwear

Loveland, CO

$139 4.8%

Montreal

$133 6.5% 4.3% $6

Sport & Entertainment

Loveland, CO

$64 2.2%

Montreal

$51 2.5% 19.5% $12

Getting Around

Loveland, CO

$43 1.5%

Montreal

$98 4.8% 127% $55

Cost Breakdown

A central one-bedroom costs $1,703 in Loveland, CO versus $1,240 in Montreal. 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 46% higher in Loveland, CO, 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 $86.0 in Loveland, CO versus $75.0 in Montreal. Monthly groceries follow the same trend: $392 vs $344 – making Montreal the more affordable choice for daily food spending.

Good to know

🇺🇸 Loveland, CO

🇨🇦 Montreal

🕒 Local time

05:55 5:55 AM

07:55 7:55 AM

2 h ahead of Loveland, CO

🌤 Weather

👥 Population

61,122

1,762,949

💱 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 →

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Between locations

Loveland, CO Montreal 2,610 km ≈ 3 h 45 min nonstop flight

From you

Loveland, CO
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

Loveland, CO vs Montreal: Cost of Living - Frequently Asked Questions

Loveland, CO costs about 45% more than Montreal, 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 $4,350 per month in Loveland, CO and $3,005 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montreal, 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 $2,900 in Loveland, CO and $2,003 in Montreal. That's a gap of about 45%.

Public transport costs about 160% less in Montreal. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Loveland, CO at $2,900. In Montreal it covers expenses comfortably, while in Loveland, CO it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,003 versus $2,900 in Loveland, CO. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Montreal. If higher salaries, better infrastructure, or specific career opportunities are the priority, Loveland, CO makes more sense. Both are solid long-term options with distinct trade-offs.