Last update: Oct 2026

Cost of Living Comparison Between Ludhiana and Toronto

For one person, living is cheaper in Ludhiana: $473 a month against $2,561 in Toronto, rent and utilities included – about $25,100 less a year. Rent and utilities account for most of the difference.

23

Cost of Living Index in Ludhiana
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Ludhiana Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Ludhiana

🇮🇳 India

$473

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

A single person spends $473 per month in Ludhiana vs $2,561 in Toronto, rent included.

Ludhiana $473
Toronto $2,561

A couple spends around $814 per month in Ludhiana vs $3,694 in Toronto, rent included.

Ludhiana $814
Toronto $3,694

A family of three spends $1,156 per month in Ludhiana vs $4,826 in Toronto, rent included.

Ludhiana $1,156
Toronto $4,826

Ludhiana is about 82% cheaper than Toronto, and outside of rent the biggest gap is in groceries.

Ludhiana sits 65% below the global median, while Toronto is 90% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 ₹316

$17.18 CA$24.29

-80.62%

Three-Course Dinner for Two, Mid-Range

$10.62 ₹1,009

$76.0 CA$107

-86.02%

Fast Food Meal (McDonalds, etc)

$3.61 ₹343

$10.54 CA$14.89

-65.75%

Cappuccino

$1.99 ₹189

$4.02 CA$5.68

-50.50%

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

$0.40 ₹38.42

$2.12 CA$3.00

-81.13%

Water (0.33 liter bottle)

$0.23 ₹21.69

$1.75 CA$2.48

-86.86%

Local Beer (0.5 liter draught)

$1.69 ₹161

$6.24 CA$8.83

-72.92%

Imported Beer (0.33 liter bottle)

$3.56 ₹338

$7.09 CA$10.02

-49.79%

Milk (1 liter)

$0.74 ₹69.8

$2.44 CA$3.45

-69.67%

White Bread (500g)

$0.51 ₹48.89

$2.68 CA$3.78

-80.97%

Rice (white) (1kg)

$0.84 ₹79.5

$2.24 CA$3.17

-62.50%

Eggs

$0.83 ₹78.4

$3.56 CA$5.03

-76.69%

Local Cheese (1kg)

$3.80 ₹361

$9.09 CA$12.85

-58.20%

Chicken Fillets (1kg)

$3.07 ₹291

$11.33 CA$16.01

-72.90%

Beef Round Steak (1kg)

$14.53 CA$20.55

Apples (1kg)

$2.02 ₹192

$3.62 CA$5.12

-44.20%

Banana (1kg)

$0.63 ₹59.4

$1.21 CA$1.72

-47.93%

Oranges (1kg)

$0.80 ₹75.8

$3.60 CA$5.09

-77.78%

Tomato (1kg)

$0.38 ₹36.45

$4.21 CA$5.96

-90.97%

Potato (1kg)

$0.28 ₹26.63

$1.79 CA$2.53

-84.36%

Onion (1kg)

$0.29 ₹27.14

$1.59 CA$2.25

-81.76%

Lettuce (1 head)

$0.43 ₹41.27

$2.27 CA$3.21

-81.06%

Water (1.5 liter bottle)

$0.33 ₹31.15

$1.25 CA$1.77

-73.60%

Cigarettes 20 Pack (Marlboro, Camel)

$3.48 ₹331

$13.82 CA$19.53

-74.82%

Wine (Bottle)

$12.47 ₹1,184

$14.27 CA$20.18

-12.61%

Local Beer (0.5 liter bottle)

$1.78 ₹169

$2.20 CA$3.10

-19.09%

Imported Beer (0.33 liter bottle)

$3.10 ₹294

$2.43 CA$3.44

27.57%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$8.04 ₹764

One-way Ticket (Public Transport)

$0.54 ₹51.3

$2.39 CA$3.38

-77.41%

Public Transport Monthly Pass (Regular Price)

$15.43 ₹1,466

$111 CA$157

-86.09%

Taxi Start (Normal Tariff)

$1.59 ₹151

$2.91 CA$4.12

-45.36%

Taxi (Normal Tariff) (1km)

$0.41 ₹38.64

$1.20 CA$1.69

-65.83%

Taxi 1hour Waiting (Normal Tariff)

$2.06 ₹196

$21.38 CA$30.23

-90.36%

Gasoline (1 liter)

$1.10 ₹104

$1.21 CA$1.71

-9.09%

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

$16.9K ₹1.6M

$28.2K CA$39.8K

-40.18%

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

$22.3K ₹2.1M

$20.3K CA$28.6K

9.96%

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

$53.1 ₹5,040

$120 CA$170

-55.90%

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

$3.05 ₹290

$32.26 CA$45.60

-90.55%

Internet (50+ Mbps, Unlimited Data)

$5.73 ₹545

$47.93 CA$67.8

-88.05%

Gym Membership (Monthly)

$15.19 ₹1,442

$38.48 CA$54.4

-60.52%

Tennis Court (1 Hour on Weekend)

$4.66 ₹443

$22.96 CA$32.46

-79.70%

Cinema Ticket

$3.69 ₹351

$12.38 CA$17.50

-70.19%

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

$71.8 ₹6,814

$830 CA$1,173

-91.35%

International Primary School, 1 Child (Yearly)

$1,428 ₹135.6K

$23.1K CA$32.6K

-93.81%

Jeans (Levis 501 Or Similar)

$21.52 ₹2,044

$50.7 CA$71.7

-57.56%

Summer Dress (H&M, Zara, etc)

$39.84 ₹3,783

$40.02 CA$56.6

-0.45%

Sport Shoes (Adidas, Nike)

$69.1 ₹6,566

$98.0 CA$139

-29.43%

Men's Leather Business Shoes

$36.19 ₹3,437

$121 CA$171

-70.00%

1-bedroom Apartment, City Center (Monthly)

$172 ₹16.4K

$1,592 CA$2,251

-89.18%

1-bedroom Apartment, Outside City Center (Monthly)

$101 ₹9,603

$1,410 CA$1,994

-92.83%

3-bedroom Apartment, City Center (Monthly)

$419 ₹39.8K

$2,670 CA$3,775

-84.31%

3-bedroom Apartment, Outside City Center (Monthly)

$388 ₹36.8K

$2,152 CA$3,042

-81.97%

Buy Apartment in City Center (m2)

$599 ₹56.9K

$7,945 CA$11.2K

-92.46%

Buy Apartment Outside City Center (m2)

$489 ₹46.4K

$6,542 CA$9,249

-92.53%

Average Monthly Net Salary (After Tax)

$424 ₹40.3K

$3,727 CA$5,269

-88.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.17

4.47

105.15%

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

Last update for Ludhiana: October 11, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Ludhiana

$112 23.7%

Toronto

$340 13.3% 203% $228

Accommodation & Living

Ludhiana

$101 21.4%

Toronto

$1.4K 55.1% 1295% $1.3K

Eating Out

Ludhiana

$79 16.8%

Toronto

$278 10.9% 250% $199

Clothing & Footwear

Ludhiana

$75 15.9%

Toronto

$139 5.4% 85.6% $64

Monthly Utilities & Internet

Ludhiana

$62 13.1%

Toronto

$201 7.8% 224% $139

Sport & Entertainment

Ludhiana

$23 4.8%

Toronto

$63 2.5% 180% $41

Getting Around

Ludhiana

$21 4.5%

Toronto

$129 5.1% 510% $108

Cost Breakdown

A central one-bedroom costs $172 in Ludhiana 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 779% 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 $11.00 in Ludhiana versus $76.0 in Toronto. Monthly groceries follow the same trend: $112 vs $340 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇮🇳 Ludhiana

🇨🇦 Toronto

🕒 Local time

06:38 6:38 AM

21:08 9:08 PM

9 h 30 min behind Ludhiana

🌤 Weather

👥 Population

2,232,000

2,731,571

💱 Currency

Indian Rupee INR ₹

Canadian Dollar CAD $

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 18, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

Canadian Dollar exchange rates as of October 18, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

USD to INR in detail →

On the map

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Highest

Between locations

Ludhiana Toronto 11,350 km ≈ 15 h nonstop flight

From you

Ludhiana
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

Ludhiana vs Toronto: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $473 in Ludhiana, $2,561 in Toronto – roughly 441% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $710 per month in Ludhiana 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 Ludhiana, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $71.8 per month in Ludhiana and $830 in Toronto. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 203% 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 $2,000 monthly budget goes further in Ludhiana, where all-in costs run around $473, than in Toronto at $2,561. In Ludhiana it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

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

If budget matters most, go with Ludhiana. 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.