Last update: Oct 2026

Cost of Living Comparison Between McKinney, TX and Montreal

For one person, living is cheaper in Montreal: $2,018 a month against $2,789 in McKinney, TX, rent and utilities included – about $9,300 less a year. Rent and utilities account for most of the difference.

135

Cost of Living Index in McKinney, TX
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McKinney, TX Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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McKinney, TX

🇺🇸 United States

$2,789

/mo nomad

Montreal

🇨🇦 Canada

$2,018

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,789 in McKinney, TX versus $2,018 in Montreal.

McKinney, TX $2,789
Montreal $2,018

Estimated couple costs with rent: $3,710 in McKinney, TX versus $3,085 in Montreal.

McKinney, TX $3,710
Montreal $3,085

Monthly costs for a family of three with rent: $4,630 in McKinney, TX versus $4,152 in Montreal.

McKinney, TX $4,630
Montreal $4,152

Living in McKinney, TX is roughly 38% more expensive than in Montreal, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: McKinney, TX 107% above, Montreal 49% above.

Meal at Budget Restaurant

$18.90 $18.90

$18.82 CA$26.61

0.43%

Three-Course Dinner for Two, Mid-Range

$59.1 $59.1

$70.3 CA$99.4

-15.93%

Fast Food Meal (McDonalds, etc)

$10.81 $10.81

$10.66 CA$15.06

1.41%

Cappuccino

$5.05 $5.05

$3.84 CA$5.43

31.51%

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

$2.56 $2.56

$1.92 CA$2.71

33.33%

Water (0.33 liter bottle)

$1.79 $1.79

$1.54 CA$2.18

16.23%

Local Beer (0.5 liter draught)

$5.86 $5.86

$6.23 CA$8.81

-5.94%

Imported Beer (0.33 liter bottle)

$7.59 $7.59

$7.10 CA$10.03

6.90%

Milk (1 liter)

$0.95 $0.95

$2.31 CA$3.27

-58.87%

White Bread (500g)

$2.79 $2.79

$3.14 CA$4.44

-11.15%

Rice (white) (1kg)

$2.32 $2.32

$3.21 CA$4.54

-27.73%

Eggs

$4.09 $4.09

$3.52 CA$4.97

16.19%

Local Cheese (1kg)

$10.16 $10.16

$12.81 CA$18.11

-20.69%

Chicken Fillets (1kg)

$15.51 $15.51

$11.46 CA$16.20

35.34%

Beef Round Steak (1kg)

$16.84 $16.84

$13.39 CA$18.92

25.77%

Apples (1kg)

$3.06 $3.06

$3.14 CA$4.43

-2.55%

Banana (1kg)

$2.85 $2.85

$1.44 CA$2.03

97.92%

Oranges (1kg)

$2.97 $2.97

$3.47 CA$4.91

-14.41%

Tomato (1kg)

$2.63 $2.63

$3.07 CA$4.34

-14.33%

Potato (1kg)

$2.18 $2.18

$1.90 CA$2.69

14.74%

Onion (1kg)

$2.10 $2.10

$1.77 CA$2.50

18.64%

Lettuce (1 head)

$1.72 $1.72

$2.34 CA$3.31

-26.50%

Water (1.5 liter bottle)

$2.98 $2.98

$1.55 CA$2.19

92.26%

Cigarettes 20 Pack (Marlboro, Camel)

$11.05 $11.05

$11.38 CA$16.09

-2.90%

Wine (Bottle)

$11.47 $11.47

$10.63 CA$15.03

7.90%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.27 CA$3.21

-22.91%

Imported Beer (0.33 liter bottle)

$3.59 $3.59

$2.82 CA$3.99

27.30%

One-way Ticket (Public Transport)

$3.08 $3.08

$2.66 CA$3.76

15.79%

Public Transport Monthly Pass (Regular Price)

$189 $189

$77.3 CA$109

144.31%

Taxi Start (Normal Tariff)

$2.93 $2.93

$3.20 CA$4.53

-8.44%

Taxi (Normal Tariff) (1km)

$1.48 CA$2.09

Taxi 1hour Waiting (Normal Tariff)

$14.74 $14.74

$32.88 CA$46.48

-55.17%

Gasoline (1 liter)

$0.93 $0.93

$1.34 CA$1.90

-30.60%

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

$36.1K $36.1K

$28.2K CA$39.8K

28.06%

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

$24.7K $24.7K

$19.6K CA$27.8K

26.08%

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

$200 $200

$76.0 CA$107

163.89%

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

$59.4 $59.4

$33.95 CA$48.00

75.05%

Internet (50+ Mbps, Unlimited Data)

$69.3 $69.3

$42.31 CA$59.8

63.79%

Gym Membership (Monthly)

$30.36 $30.36

$29.76 CA$42.07

2.02%

Tennis Court (1 Hour on Weekend)

$12.81 $12.81

$20.28 CA$28.67

-36.83%

Cinema Ticket

$11.85 $11.85

$11.15 CA$15.77

6.28%

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

$1,345 $1,345

$507 CA$717

165.23%

International Primary School, 1 Child (Yearly)

$16.1K CA$22.7K

Jeans (Levis 501 Or Similar)

$56.5 $56.5

$57.6 CA$81.4

-1.79%

Summer Dress (H&M, Zara, etc)

$28.95 $28.95

$37.58 CA$53.1

-22.96%

Sport Shoes (Adidas, Nike)

$87.8 $87.8

$91.9 CA$130

-4.49%

Men's Leather Business Shoes

$59.8 $59.8

$110 CA$155

-45.46%

1-bedroom Apartment, City Center (Monthly)

$1,673 $1,673

$1,260 CA$1,782

32.74%

1-bedroom Apartment, Outside City Center (Monthly)

$1,420 $1,420

$948 CA$1,340

49.81%

3-bedroom Apartment, City Center (Monthly)

$2,639 $2,639

$2,137 CA$3,021

23.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,704 $1,704

$1,614 CA$2,281

5.57%

Buy Apartment in City Center (m2)

$2,323 $2,323

$4,960 CA$7,011

-53.15%

Buy Apartment Outside City Center (m2)

$2,294 $2,294

$3,838 CA$5,425

-40.22%

Average Monthly Net Salary (After Tax)

$5,805 $5,805

$2,827 CA$3,997

105.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

4.48

45.31%

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

Last update for McKinney, TX: October 12, 2026

Last update for Montreal: October 12, 2026

Monthly budget structure

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

Accommodation & Living

McKinney, TX

$1.4K 50.9%

Montreal

$948 47% 33.2% $472

Groceries & Markets

McKinney, TX

$371 13.3%

Montreal

$346 17.2% 6.6% $25

Monthly Utilities & Internet

McKinney, TX

$329 11.8%

Montreal

$152 7.5% 53.8% $177

Eating Out

McKinney, TX

$306 11%

Montreal

$288 14.3% 6% $18

Getting Around

McKinney, TX

$204 * 7.3%

Montreal

$99 4.9% 51.7% $106

Clothing & Footwear

McKinney, TX

$105 3.8%

Montreal

$133 6.6% 27.3% $29

Sport & Entertainment

McKinney, TX

$54 1.9%

Montreal

$52 2.6% 3.7% $2

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,673 in McKinney, TX and $1,260 in Montreal. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 105% 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: $59.0 in McKinney, TX vs $70.0 in Montreal. Groceries flip the comparison at $371 vs $346, with Montreal cheaper for home cooking.

Good to know

🇺🇸 McKinney, TX

🇨🇦 Montreal

🕒 Local time

14:45 2:45 PM

15:45 3:45 PM

1 h ahead of McKinney, TX

🌤 Weather

👥 Population

202,690

1,762,949

💱 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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 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).

CAD to USD in detail →

On the map

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Between locations

McKinney, TX Montreal 2,390 km ≈ 3 h 30 min nonstop flight

From you

McKinney, TX
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

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

McKinney, TX and Montreal differ by about 38% in total monthly costs ($2,789 vs $2,018 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 105% 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: $1,673 in McKinney, TX versus $1,260 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,789 per month in McKinney, TX versus $2,018 in Montreal – a 38% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Montreal runs roughly 144% less than in McKinney, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,018 in Montreal versus $2,789 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 38% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.