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: $2,636 in McKinney, TX versus $2,063 in Montreal.

Estimated couple costs with rent: $3,689 in McKinney, TX versus $3,159 in Montreal.

Monthly costs for a family of three with rent: $4,743 in McKinney, TX versus $4,255 in Montreal.

Living in McKinney, TX is roughly 28% more expensive than Montreal, driven mainly by Getting Around.

Both cities are pricier than the global median: McKinney, TX 97% above, Montreal 54% above.

Meal at Budget Restaurant

$16.79 $16.79

$15.92 CA$22.05

5.46%

Three-Course Dinner for Two, Mid-Range

$73.7 $73.7

$73.1 CA$101

0.92%

Fast Food Meal (McDonalds, etc)

$9.23 $9.23

$11.15 CA$15.43

-17.22%

Cappuccino

$5.17 $5.17

$3.80 CA$5.26

36.05%

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

$2.63 $2.63

$2.18 CA$3.01

20.64%

Water (0.33 liter bottle)

$1.98 $1.98

$1.46 CA$2.02

35.62%

Local Beer (0.5 liter draught)

$6.07 $6.07

$6.12 CA$8.48

-0.82%

Imported Beer (0.33 liter bottle)

$8.09 $8.09

$6.78 CA$9.38

19.32%

Milk (1 liter)

$1.09 $1.09

$2.33 CA$3.22

-53.22%

White Bread (500g)

$2.74 $2.74

$3.39 CA$4.69

-19.17%

Rice (white) (1kg)

$3.99 $3.99

$3.73 CA$5.16

6.97%

Eggs

$5.12 $5.12

$3.38 CA$4.68

51.48%

Local Cheese (1kg)

$11.45 $11.45

$16.25 CA$22.50

-29.54%

Chicken Fillets (1kg)

$14.10 $14.10

$11.54 CA$15.98

22.18%

Beef Round Steak (1kg)

$16.28 $16.28

$15.24 CA$21.10

6.82%

Apples (1kg)

$4.47 $4.47

$3.74 CA$5.18

19.52%

Banana (1kg)

$1.56 $1.56

$1.70 CA$2.36

-8.24%

Oranges (1kg)

$4.09 $4.09

$4.11 CA$5.68

-0.49%

Tomato (1kg)

$4.43 $4.43

$4.35 CA$6.02

1.84%

Potato (1kg)

$3.58 $3.58

$2.71 CA$3.75

32.10%

Onion (1kg)

$2.19 $2.19

$2.62 CA$3.62

-16.41%

Lettuce (1 head)

$2.12 $2.12

$2.25 CA$3.12

-5.78%

Water (1.5 liter bottle)

$3.03 $3.03

$1.73 CA$2.39

75.14%

Cigarettes 20 Pack (Marlboro, Camel)

$9.51 $9.51

$13.31 CA$18.43

-28.55%

Wine (Bottle)

$11.31 $11.31

$10.78 CA$14.93

4.92%

Local Beer (0.5 liter bottle)

$1.93 $1.93

$3.01 CA$4.17

-35.88%

Imported Beer (0.33 liter bottle)

$2.97 $2.97

$3.46 CA$4.80

-14.16%

One-way Ticket (Public Transport)

$2.04 $2.04

$2.74 CA$3.79

-25.55%

Public Transport Monthly Pass (Regular Price)

$72.7 CA$101

Taxi Start (Normal Tariff)

$2.77 $2.77

$3.63 CA$5.03

-23.69%

Taxi (Normal Tariff) (1km)

$1.27 $1.27

$1.46 CA$2.02

-13.01%

Taxi 1hour Waiting (Normal Tariff)

$30.49 $30.49

$33.44 CA$46.30

-8.82%

Gasoline (1 liter)

$0.81 $0.81

$1.21 CA$1.68

-33.06%

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

$29.5K $29.5K

$24.6K CA$34.1K

19.61%

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

$26.3K $26.3K

$21.7K CA$30.0K

21.35%

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

$184 $184

$76.0 CA$105

141.96%

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

$60.8 $60.8

$35.72 CA$49.46

70.13%

Internet (50+ Mbps, Unlimited Data)

$79.1 $79.1

$42.86 CA$59.4

84.60%

Gym Membership (Monthly)

$34.46 $34.46

$42.92 CA$59.4

-19.71%

Tennis Court (1 Hour on Weekend)

$17.23 CA$23.86

Cinema Ticket

$14.91 $14.91

$11.09 CA$15.35

34.45%

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

$1,354 $1,354

$620 CA$858

118.62%

International Primary School, 1 Child (Yearly)

$23.0K $23.0K

$5,834 CA$8,078

294.24%

Jeans (Levis 501 Or Similar)

$54.5 $54.5

$62.7 CA$86.8

-13.05%

Summer Dress (H&M, Zara, etc)

$28.25 $28.25

$44.41 CA$61.5

-36.39%

Sport Shoes (Adidas, Nike)

$101 $101

$101 CA$139

-0.06%

Men's Leather Business Shoes

$112 $112

$119 CA$165

-6.18%

1-bedroom Apartment, City Center (Monthly)

$1,696 $1,696

$1,211 CA$1,677

40.04%

1-bedroom Apartment, Outside City Center (Monthly)

$1,381 $1,381

$960 CA$1,329

43.92%

3-bedroom Apartment, City Center (Monthly)

$3,253 $3,253

$2,035 CA$2,818

59.81%

3-bedroom Apartment, Outside City Center (Monthly)

$1,970 $1,970

$1,589 CA$2,201

23.93%

Buy Apartment in City Center (m2)

$2,289 $2,289

$5,181 CA$7,173

-55.81%

Buy Apartment Outside City Center (m2)

$2,300 $2,300

$3,934 CA$5,446

-41.52%

Average Monthly Net Salary (After Tax)

$5,640 $5,640

$2,960 CA$4,098

90.55%

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: June 1, 2026

Last update for Montreal: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,696 in McKinney, TX and $1,211 in Montreal. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 91% 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 $73.0 in Montreal for a mid-range dinner for two. Groceries echo the gap at $397 vs $392 per month, with Montreal cheaper across the board.

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 28% in total monthly costs ($2,636 vs $2,063 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

McKinney, TX pays 91% more on average, 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: $1,696 in McKinney, TX versus $1,211 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,354 in McKinney, TX versus $620 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 $73.0 versus $74.0 in McKinney, TX. If you eat out regularly, this makes a real dent in your monthly spending.

At $2,063 in Montreal versus $2,636 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 28% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.