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: $2,683 in McKinney, TX versus $2,056 in Montreal.

Estimated couple costs with rent: $3,607 in McKinney, TX versus $3,112 in Montreal.

Monthly costs for a family of three with rent: $4,531 in McKinney, TX versus $4,167 in Montreal.

Living in McKinney, TX is roughly 30% more expensive than in Montreal, driven mainly by Getting Around.

Both cities are pricier than the global median: McKinney, TX 95% above, Montreal 50% above.

Meal at Budget Restaurant

$19.37 $19.37

$17.85 CA$24.72

8.52%

Three-Course Dinner for Two, Mid-Range

$60.3 $60.3

$72.3 CA$100

-16.61%

Fast Food Meal (McDonalds, etc)

$11.56 $11.56

$10.92 CA$15.12

5.86%

Cappuccino

$5.01 $5.01

$3.97 CA$5.49

26.20%

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

$2.22 $2.22

$2.07 CA$2.87

7.25%

Water (0.33 liter bottle)

$1.81 $1.81

$1.55 CA$2.14

16.77%

Local Beer (0.5 liter draught)

$6.12 $6.12

$6.41 CA$8.88

-4.52%

Imported Beer (0.33 liter bottle)

$8.34 $8.34

$7.29 CA$10.10

14.40%

Milk (1 liter)

$1.01 $1.01

$2.39 CA$3.30

-57.74%

White Bread (500g)

$2.70 $2.70

$3.21 CA$4.44

-15.89%

Rice (white) (1kg)

$2.14 $2.14

$3.07 CA$4.25

-30.29%

Eggs

$4.98 $4.98

$3.68 CA$5.09

35.33%

Local Cheese (1kg)

$11.26 $11.26

$13.57 CA$18.79

-17.02%

Chicken Fillets (1kg)

$11.04 $11.04

$11.63 CA$16.10

-5.07%

Beef Round Steak (1kg)

$15.94 $15.94

$13.97 CA$19.34

14.10%

Apples (1kg)

$3.01 $3.01

$3.68 CA$5.10

-18.21%

Banana (1kg)

$1.52 $1.52

$1.56 CA$2.16

-2.56%

Oranges (1kg)

$3.12 $3.12

$3.41 CA$4.72

-8.50%

Tomato (1kg)

$2.43 $2.43

$3.03 CA$4.19

-19.80%

Potato (1kg)

$2.14 $2.14

$1.98 CA$2.75

8.08%

Onion (1kg)

$1.91 $1.91

$1.82 CA$2.53

4.95%

Lettuce (1 head)

$2.06 $2.06

$2.56 CA$3.54

-19.53%

Water (1.5 liter bottle)

$2.34 $2.34

$1.39 CA$1.92

68.35%

Cigarettes 20 Pack (Marlboro, Camel)

$11.01 $11.01

$11.49 CA$15.91

-4.18%

Wine (Bottle)

$11.71 $11.71

$10.92 CA$15.12

7.23%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$2.26 CA$3.13

-18.58%

Imported Beer (0.33 liter bottle)

$3.10 $3.10

$3.01 CA$4.16

2.99%

One-way Ticket (Public Transport)

$3.06 $3.06

$2.69 CA$3.72

13.75%

Public Transport Monthly Pass (Regular Price)

$189 $189

$75.3 CA$104

151.18%

Taxi Start (Normal Tariff)

$2.80 $2.80

$3.35 CA$4.63

-16.42%

Taxi (Normal Tariff) (1km)

$1.22 $1.22

$1.50 CA$2.08

-18.67%

Taxi 1hour Waiting (Normal Tariff)

$30.18 $30.18

$33.70 CA$46.66

-10.45%

Gasoline (1 liter)

$0.77 $0.77

$1.29 CA$1.79

-40.31%

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

$35.5K $35.5K

$28.3K CA$39.2K

25.42%

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

$24.7K $24.7K

$20.0K CA$27.6K

23.65%

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

$163 $163

$80.4 CA$111

102.69%

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

$71.0 $71.0

$34.23 CA$47.40

107.45%

Internet (50+ Mbps, Unlimited Data)

$73.4 $73.4

$41.39 CA$57.3

77.29%

Gym Membership (Monthly)

$35.26 $35.26

$29.24 CA$40.49

20.59%

Tennis Court (1 Hour on Weekend)

$12.79 $12.79

$19.89 CA$27.54

-35.70%

Cinema Ticket

$12.02 $12.02

$11.71 CA$16.21

2.65%

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

$1,607 $1,607

$564 CA$781

184.87%

International Primary School, 1 Child (Yearly)

$23.8K $23.8K

$16.8K CA$23.3K

41.18%

Jeans (Levis 501 Or Similar)

$52.0 $52.0

$59.5 CA$82.4

-12.62%

Summer Dress (H&M, Zara, etc)

$28.32 $28.32

$42.13 CA$58.3

-32.78%

Sport Shoes (Adidas, Nike)

$97.1 $97.1

$107 CA$148

-9.45%

Men's Leather Business Shoes

$64.6 $64.6

$111 CA$153

-41.74%

1-bedroom Apartment, City Center (Monthly)

$1,670 $1,670

$1,284 CA$1,778

30.06%

1-bedroom Apartment, Outside City Center (Monthly)

$1,383 $1,383

$990 CA$1,371

39.67%

3-bedroom Apartment, City Center (Monthly)

$2,624 $2,624

$2,260 CA$3,129

16.10%

3-bedroom Apartment, Outside City Center (Monthly)

$1,686 $1,686

$1,667 CA$2,308

1.12%

Buy Apartment in City Center (m2)

$2,287 $2,287

$5,287 CA$7,321

-56.74%

Buy Apartment Outside City Center (m2)

$2,367 $2,367

$3,813 CA$5,279

-37.92%

Average Monthly Net Salary (After Tax)

$5,652 $5,652

$3,019 CA$4,180

87.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.04

4.41

36.96%

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

Last update for McKinney, TX: August 30, 2026

Last update for Montreal: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,670 in McKinney, TX and $1,284 in Montreal. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 87% 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: $60.0 in McKinney, TX vs $72.0 in Montreal for a mid-range dinner for two. Groceries echo the gap at $337 vs $356 per month, with McKinney, TX 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 30% in total monthly costs ($2,683 vs $2,056 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 87% 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: $1,670 in McKinney, TX versus $1,284 in Montreal. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,683 per month in McKinney, TX versus $2,056 in Montreal – a 30% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Montreal runs roughly 151% less than in McKinney, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,056 in Montreal versus $2,683 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 30% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.