Last update: Oct 2026

Cost of Living Comparison Between McHenry, IL and Toronto

For one person, living is cheaper in Toronto: $2,610 a month against $2,886 in McHenry, IL, rent and utilities included – about $3,300 less a year. Rent and utilities account for most of the difference.

132

Cost of Living Index in McHenry, IL
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McHenry, IL Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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McHenry, IL

🇺🇸 United States

$2,886

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

A single person spends $2,886 per month in McHenry, IL vs $2,610 in Toronto, rent included.

McHenry, IL $2,886
Toronto $2,610

A couple spends around $4,170 per month in McHenry, IL vs $3,727 in Toronto, rent included.

McHenry, IL $4,170
Toronto $3,727

A family of three spends $5,455 per month in McHenry, IL vs $4,844 in Toronto, rent included.

McHenry, IL $5,455
Toronto $4,844

McHenry, IL costs about 11% more than Toronto, and outside of rent the biggest gap is in transport.

Both McHenry, IL and Toronto sit above the global median – McHenry, IL by 113%, Toronto by 93%.

Meal at Budget Restaurant

$20.39 $20.39

$17.59 CA$24.87

15.92%

Three-Course Dinner for Two, Mid-Range

$65.8 $65.8

$78.8 CA$111

-16.57%

Fast Food Meal (McDonalds, etc)

$13.12 $13.12

$10.73 CA$15.16

22.27%

Cappuccino

$5.66 $5.66

$4.09 CA$5.78

38.39%

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

$3.10 $3.10

$2.10 CA$2.97

47.62%

Water (0.33 liter bottle)

$2.53 $2.53

$1.72 CA$2.43

47.09%

Local Beer (0.5 liter draught)

$7.13 $7.13

$6.36 CA$8.99

12.11%

Imported Beer (0.33 liter bottle)

$8.02 $8.02

$7.08 CA$10.01

13.28%

Milk (1 liter)

$0.93 $0.93

$2.54 CA$3.59

-63.39%

White Bread (500g)

$3.42 $3.42

$2.72 CA$3.85

25.74%

Rice (white) (1kg)

$4.16 $4.16

$2.18 CA$3.09

90.83%

Eggs

$3.79 $3.79

$3.63 CA$5.13

4.41%

Local Cheese (1kg)

$14.74 $14.74

$9.46 CA$13.37

55.81%

Chicken Fillets (1kg)

$13.08 $13.08

$11.54 CA$16.32

13.34%

Beef Round Steak (1kg)

$19.85 $19.85

$14.37 CA$20.32

38.14%

Apples (1kg)

$4.64 $4.64

$3.70 CA$5.23

25.41%

Banana (1kg)

$1.62 $1.62

$1.19 CA$1.68

36.13%

Oranges (1kg)

$5.30 $5.30

$3.46 CA$4.90

53.18%

Tomato (1kg)

$4.87 $4.87

$4.22 CA$5.97

15.40%

Potato (1kg)

$2.85 $2.85

$1.79 CA$2.52

59.22%

Onion (1kg)

$3.03 $3.03

$1.65 CA$2.33

83.64%

Lettuce (1 head)

$2.16 $2.16

$2.20 CA$3.11

-1.82%

Water (1.5 liter bottle)

$2.38 $2.38

$1.26 CA$1.78

88.89%

Cigarettes 20 Pack (Marlboro, Camel)

$10.80 $10.80

$13.97 CA$19.75

-22.69%

Wine (Bottle)

$15.46 $15.46

$14.20 CA$20.07

8.87%

Local Beer (0.5 liter bottle)

$2.67 $2.67

$2.25 CA$3.18

18.67%

Imported Beer (0.33 liter bottle)

$4.56 $4.56

$2.53 CA$3.58

80.24%

One-way Ticket (Public Transport)

$2.29 $2.29

$2.32 CA$3.28

-1.29%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.98 $3.98

$3.06 CA$4.33

30.07%

Taxi (Normal Tariff) (1km)

$1.97 $1.97

$1.22 CA$1.72

61.48%

Taxi 1hour Waiting (Normal Tariff)

$43.97 $43.97

$21.69 CA$30.66

102.72%

Gasoline (1 liter)

$1.05 $1.05

$1.21 CA$1.72

-13.22%

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

$30.3K $30.3K

$26.1K CA$37.0K

16.08%

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

$25.8K $25.8K

$21.1K CA$29.9K

22.18%

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

$273 $273

$120 CA$169

128.44%

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

$51.8 $51.8

$32.21 CA$45.54

60.94%

Internet (50+ Mbps, Unlimited Data)

$82.6 $82.6

$48.88 CA$69.1

69.03%

Gym Membership (Monthly)

$44.87 $44.87

$39.34 CA$55.6

14.06%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$14.87 $14.87

$12.58 CA$17.79

18.20%

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

$1,749 $1,749

$832 CA$1,176

110.26%

International Primary School, 1 Child (Yearly)

$23.8K $23.8K

$23.6K CA$33.4K

0.99%

Jeans (Levis 501 Or Similar)

$64.8 $64.8

$52.3 CA$73.9

23.97%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$39.44 CA$55.8

30.40%

Sport Shoes (Adidas, Nike)

$107 $107

$99.0 CA$140

8.29%

Men's Leather Business Shoes

$122 $122

$122 CA$172

-0.17%

1-bedroom Apartment, City Center (Monthly)

$1,620 $1,620

$1,631 CA$2,306

-0.73%

1-bedroom Apartment, Outside City Center (Monthly)

$1,452 $1,452

$1,448 CA$2,048

0.27%

3-bedroom Apartment, City Center (Monthly)

$2,885 $2,885

$2,737 CA$3,869

5.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,451 $2,451

$2,129 CA$3,010

15.12%

Buy Apartment in City Center (m2)

$3,120 $3,120

$8,206 CA$11.6K

-61.98%

Buy Apartment Outside City Center (m2)

$2,499 $2,499

$6,838 CA$9,666

-63.46%

Average Monthly Net Salary (After Tax)

$7,382 $7,382

$3,520 CA$4,976

109.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

4.47

49.66%

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

Last update for McHenry, IL: October 19, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

McHenry, IL

$1.5K 50.3%

Toronto

$1.4K 55.5% 0.3% $3.9

Groceries & Markets

McHenry, IL

$428 14.8%

Toronto

$343 13.1% 19.9% $85

Monthly Utilities & Internet

McHenry, IL

$408 14.1%

Toronto

$201 7.7% 50.8% $207

Eating Out

McHenry, IL

$345 11.9%

Toronto

$283 10.9% 17.8% $61

Clothing & Footwear

McHenry, IL

$155 5.4%

Toronto

$141 5.4% 9.4% $15

Sport & Entertainment

McHenry, IL

$75 2.6%

Toronto

$65 2.5% 13.6% $10

Getting Around

McHenry, IL

$23 * 0.8%

Toronto

$130 5% 465% $107

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,620 in McHenry, IL versus $1,631 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 110% higher in McHenry, IL, 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 $66.0 in McHenry, IL versus $79.0 in Toronto. Groceries tell a different story – $428 in McHenry, IL vs $343 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 McHenry, IL

🇨🇦 Toronto

🕒 Local time

16:45 4:45 PM

17:45 5:45 PM

1 h ahead of McHenry, IL

🌤 Weather

👥 Population

27,135

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 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 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 →

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Between locations

McHenry, IL Toronto 740 km ≈ 1 h 30 min nonstop flight

From you

McHenry, IL
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

McHenry, IL vs Toronto: Cost of Living - Frequently Asked Questions

McHenry, IL costs about 11% more than Toronto, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,328 per month in McHenry, IL and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $66.0 in McHenry, IL and $79.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 25% more in McHenry, IL, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,500 is a stretch for both – monthly costs hit $2,886 in McHenry, IL and $2,610 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – 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 Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, McHenry, IL makes more sense. Both are solid long-term options with distinct trade-offs.