Cost of Living Comparison Between McKinney, TX and Montreal Cost of Living Comparison Between McKinney, TX and Montreal

Monthly Cost of Living

Monthly costs for one person with rent: $2,598 in McKinney, TX versus $2,085 in Montreal.

Estimated couple costs with rent: $3,633 in McKinney, TX versus $3,174 in Montreal.

Monthly costs for a family of three with rent: $4,669 in McKinney, TX versus $4,262 in Montreal.

Living in McKinney, TX is roughly 25% more expensive than in Montreal, driven mainly by Getting Around.

Both cities are pricier than the global median: McKinney, TX 94% above, Montreal 56% above.

Meal at Budget Restaurant

$17.32 $17.32

$16.52 CA$23.16

4.84%

Three-Course Dinner for Two, Mid-Range

$73.7 $73.7

$74.0 CA$104

-0.41%

Fast Food Meal (McDonalds, etc)

$8.96 $8.96

$10.94 CA$15.34

-18.10%

Cappuccino

$5.37 $5.37

$3.84 CA$5.39

39.84%

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

$2.62 $2.62

$2.14 CA$2.99

22.43%

Water (0.33 liter bottle)

$1.91 $1.91

$1.45 CA$2.03

31.72%

Local Beer (0.5 liter draught)

$6.10 $6.10

$6.13 CA$8.60

-0.49%

Imported Beer (0.33 liter bottle)

$8.09 $8.09

$6.73 CA$9.44

20.21%

Milk (1 liter)

$1.04 $1.04

$2.35 CA$3.30

-55.74%

White Bread (500g)

$2.85 $2.85

$3.34 CA$4.68

-14.67%

Rice (white) (1kg)

$4.07 $4.07

$3.74 CA$5.25

8.82%

Eggs

$5.11 $5.11

$3.39 CA$4.76

50.74%

Local Cheese (1kg)

$11.66 $11.66

$16.30 CA$22.85

-28.47%

Chicken Fillets (1kg)

$14.06 $14.06

$11.81 CA$16.56

19.05%

Beef Round Steak (1kg)

$16.50 $16.50

$15.64 CA$21.93

5.50%

Apples (1kg)

$4.61 $4.61

$3.69 CA$5.18

24.93%

Banana (1kg)

$1.60 $1.60

$1.70 CA$2.39

-5.88%

Oranges (1kg)

$4.28 $4.28

$4.11 CA$5.76

4.14%

Tomato (1kg)

$4.40 $4.40

$4.41 CA$6.18

-0.23%

Potato (1kg)

$3.58 $3.58

$2.79 CA$3.91

28.32%

Onion (1kg)

$2.19 $2.19

$2.64 CA$3.70

-17.05%

Lettuce (1 head)

$2.05 $2.05

$2.29 CA$3.21

-10.48%

Water (1.5 liter bottle)

$2.93 $2.93

$1.78 CA$2.50

64.61%

Cigarettes 20 Pack (Marlboro, Camel)

$9.48 $9.48

$13.17 CA$18.47

-28.02%

Wine (Bottle)

$11.71 $11.71

$10.64 CA$14.92

10.06%

Local Beer (0.5 liter bottle)

$1.92 $1.92

$2.99 CA$4.19

-35.79%

Imported Beer (0.33 liter bottle)

$2.97 $2.97

$3.44 CA$4.82

-13.66%

One-way Ticket (Public Transport)

$2.03 $2.03

$2.81 CA$3.94

-27.76%

Public Transport Monthly Pass (Regular Price)

$72.8 CA$102

Taxi Start (Normal Tariff)

$2.81 $2.81

$3.52 CA$4.93

-20.17%

Taxi (Normal Tariff) (1km)

$1.23 $1.23

$1.45 CA$2.04

-15.17%

Taxi 1hour Waiting (Normal Tariff)

$29.46 $29.46

$34.29 CA$48.08

-14.09%

Gasoline (1 liter)

$0.76 $0.76

$1.22 CA$1.72

-37.70%

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

$30.2K $30.2K

$25.3K CA$35.4K

19.58%

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

$26.0K $26.0K

$22.1K CA$31.0K

17.67%

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

$188 $188

$76.5 CA$107

146.39%

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

$60.2 $60.2

$35.60 CA$49.91

68.96%

Internet (50+ Mbps, Unlimited Data)

$79.1 $79.1

$42.96 CA$60.2

84.22%

Gym Membership (Monthly)

$35.16 $35.16

$43.39 CA$60.8

-18.97%

Tennis Court (1 Hour on Weekend)

$16.83 CA$23.60

Cinema Ticket

$14.70 $14.70

$11.09 CA$15.55

32.55%

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

$1,308 $1,308

$625 CA$876

109.41%

International Primary School, 1 Child (Yearly)

$23.1K $23.1K

$5,896 CA$8,266

291.04%

Jeans (Levis 501 Or Similar)

$53.0 $53.0

$63.1 CA$88.5

-15.97%

Summer Dress (H&M, Zara, etc)

$28.28 $28.28

$44.50 CA$62.4

-36.45%

Sport Shoes (Adidas, Nike)

$102 $102

$103 CA$144

-1.09%

Men's Leather Business Shoes

$109 $109

$118 CA$166

-8.10%

1-bedroom Apartment, City Center (Monthly)

$1,669 $1,669

$1,207 CA$1,692

38.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,413 $1,413

$965 CA$1,353

46.42%

3-bedroom Apartment, City Center (Monthly)

$3,311 $3,311

$2,031 CA$2,848

63.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,931 $1,931

$1,577 CA$2,211

22.43%

Buy Apartment in City Center (m2)

$2,340 $2,340

$5,085 CA$7,129

-53.99%

Buy Apartment Outside City Center (m2)

$2,290 $2,290

$3,783 CA$5,304

-39.47%

Average Monthly Net Salary (After Tax)

$5,825 $5,825

$2,890 CA$4,051

101.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.49

5.01

29.54%

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

Last update for McKinney, TX: July 13, 2026

Last update for Montreal: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,669 in McKinney, TX and $1,207 in Montreal. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 102% 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: $74.0 in McKinney, TX vs $74.0 in Montreal. Groceries flip the comparison at $400 vs $395, with Montreal cheaper for home cooking.

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

McKinney, TX vs Montreal: Cost of Living - Frequently Asked Questions

McKinney, TX and Montreal differ by about 25% in total monthly costs ($2,598 vs $2,085 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 102% higher in McKinney, TX, 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: $1,669 in McKinney, TX versus $1,207 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,308 in McKinney, TX versus $625 in Montreal. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Montreal – a meal for two runs $74.0 versus $74.0 in McKinney, TX. If you eat out regularly, this makes a real dent in your monthly spending.

At $2,085 in Montreal versus $2,598 in McKinney, TX, a $2,000 budget is realistic in Montreal but tight or insufficient in McKinney, TX. The gap between the two cities makes Montreal the clear choice for anyone on this budget.

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, McKinney, TX 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.

Expats usually find Montreal gentler on the wallet – expenses run 25% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.