Last update: Oct 2026

Cost of Living Comparison Between Modesto, CA and Montreal

For one person, living is cheaper in Montreal: $2,003 a month against $2,634 in Modesto, CA, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

128

Cost of Living Index in Modesto, CA
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Modesto, CA Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Modesto, CA

🇺🇸 United States

$2,634

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

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

A single person spends $2,634 per month in Modesto, CA vs $2,003 in Montreal, rent included.

Modesto, CA $2,634
Montreal $2,003

A couple spends around $3,994 per month in Modesto, CA vs $3,048 in Montreal, rent included.

Modesto, CA $3,994
Montreal $3,048

A family of three spends $5,354 per month in Modesto, CA vs $4,092 in Montreal, rent included.

Modesto, CA $5,354
Montreal $4,092

Modesto, CA costs about 32% more than Montreal, and outside of rent the biggest gap is in groceries.

Both Modesto, CA and Montreal sit above the global median – Modesto, CA by 97%, Montreal by 49%.

Meal at Budget Restaurant

$14.85 $14.85

$19.31 CA$27.52

-23.10%

Three-Course Dinner for Two, Mid-Range

$78.9 $78.9

$75.5 CA$108

4.49%

Fast Food Meal (McDonalds, etc)

$9.02 $9.02

$10.63 CA$15.15

-15.15%

Cappuccino

$5.56 $5.56

$3.93 CA$5.60

41.48%

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

$2.57 $2.57

$1.92 CA$2.73

33.85%

Water (0.33 liter bottle)

$1.64 $1.64

$1.48 CA$2.11

10.81%

Local Beer (0.5 liter draught)

$5.01 $5.01

$6.30 CA$8.98

-20.48%

Imported Beer (0.33 liter bottle)

$7.16 $7.16

$7.19 CA$10.24

-0.42%

Milk (1 liter)

$1.10 $1.10

$2.22 CA$3.17

-50.45%

White Bread (500g)

$3.55 $3.55

$3.06 CA$4.36

16.01%

Rice (white) (1kg)

$4.22 $4.22

$2.94 CA$4.19

43.54%

Eggs

$5.55 $5.55

$3.53 CA$5.03

57.22%

Local Cheese (1kg)

$13.00 $13.00

$13.19 CA$18.79

-1.44%

Chicken Fillets (1kg)

$13.57 $13.57

$11.24 CA$16.02

20.73%

Beef Round Steak (1kg)

$19.45 $19.45

$13.81 CA$19.69

40.84%

Apples (1kg)

$5.40 $5.40

$3.40 CA$4.85

58.82%

Banana (1kg)

$1.93 $1.93

$1.44 CA$2.06

34.03%

Oranges (1kg)

$5.35 $5.35

$3.26 CA$4.65

64.11%

Tomato (1kg)

$5.38 $5.38

$2.88 CA$4.10

86.81%

Potato (1kg)

$3.60 $3.60

$1.86 CA$2.65

93.55%

Onion (1kg)

$2.91 $2.91

$1.82 CA$2.60

59.89%

Lettuce (1 head)

$2.44 $2.44

$2.43 CA$3.46

0.41%

Water (1.5 liter bottle)

$2.46 $2.46

$1.52 CA$2.17

61.84%

Cigarettes 20 Pack (Marlboro, Camel)

$11.69 $11.69

$11.45 CA$16.32

2.10%

Wine (Bottle)

$14.74 $14.74

$10.36 CA$14.76

42.28%

Local Beer (0.5 liter bottle)

$1.92 $1.92

$2.22 CA$3.16

-13.51%

Imported Beer (0.33 liter bottle)

$3.29 $3.29

$2.82 CA$4.02

16.67%

One-way Ticket (Public Transport)

$1.95 $1.95

$2.58 CA$3.67

-24.42%

Public Transport Monthly Pass (Regular Price)

$40.63 $40.63

$76.9 CA$110

-47.16%

Taxi Start (Normal Tariff)

$3.47 $3.47

$3.25 CA$4.64

6.77%

Taxi (Normal Tariff) (1km)

$3.04 $3.04

$1.48 CA$2.11

105.41%

Taxi 1hour Waiting (Normal Tariff)

$29.63 $29.63

$33.04 CA$47.09

-10.32%

Gasoline (1 liter)

$1.40 $1.40

$1.36 CA$1.94

2.94%

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

$36.2K $36.2K

$27.4K CA$39.1K

31.85%

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

$25.8K $25.8K

$20.0K CA$28.5K

28.93%

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

$262 $262

$76.1 CA$109

244.64%

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

$47.75 $47.75

$34.68 CA$49.43

37.69%

Internet (50+ Mbps, Unlimited Data)

$69.4 $69.4

$42.69 CA$60.9

62.64%

Gym Membership (Monthly)

$41.66 $41.66

$28.94 CA$41.26

43.95%

Tennis Court (1 Hour on Weekend)

$15.14 $15.14

$20.33 CA$28.97

-25.53%

Cinema Ticket

$10.81 $10.81

$11.21 CA$15.98

-3.57%

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

$1,792 $1,792

$505 CA$720

254.71%

International Primary School, 1 Child (Yearly)

$40.5K $40.5K

$16.0K CA$22.8K

153.08%

Jeans (Levis 501 Or Similar)

$48.10 $48.10

$58.5 CA$83.4

-17.78%

Summer Dress (H&M, Zara, etc)

$39.40 $39.40

$38.00 CA$54.2

3.68%

Sport Shoes (Adidas, Nike)

$94.5 $94.5

$92.7 CA$132

1.92%

Men's Leather Business Shoes

$120 $120

$106 CA$151

13.25%

1-bedroom Apartment, City Center (Monthly)

$1,425 $1,425

$1,240 CA$1,768

14.91%

1-bedroom Apartment, Outside City Center (Monthly)

$1,293 $1,293

$986 CA$1,405

31.17%

3-bedroom Apartment, City Center (Monthly)

$2,438 $2,438

$2,102 CA$2,996

15.96%

3-bedroom Apartment, Outside City Center (Monthly)

$2,403 $2,403

$1,615 CA$2,302

48.84%

Buy Apartment in City Center (m2)

$3,151 $3,151

$5,043 CA$7,188

-37.52%

Buy Apartment Outside City Center (m2)

$3,185 $3,185

$3,830 CA$5,459

-16.84%

Average Monthly Net Salary (After Tax)

$4,038 $4,038

$2,920 CA$4,163

38.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.1

4.46

36.77%

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

Last update for Modesto, CA: October 5, 2026

Last update for Montreal: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Modesto, CA

$1.3K 48.9%

Montreal

$986 47.9% 23.8% $307

Groceries & Markets

Modesto, CA

$439 16.6%

Montreal

$344 16.7% 21.7% $95

Monthly Utilities & Internet

Modesto, CA

$380 14.3%

Montreal

$154 7.5% 59.6% $226

Eating Out

Modesto, CA

$269 10.2%

Montreal

$293 14.2% 8.9% $24

Clothing & Footwear

Modesto, CA

$136 5.1%

Montreal

$133 6.5% 2.3% $3.1

Getting Around

Modesto, CA

$67 2.5%

Montreal

$98 4.8% 45.8% $31

Sport & Entertainment

Modesto, CA

$63 2.4%

Montreal

$51 2.5% 18.8% $12

Cost Breakdown

A central one-bedroom costs $1,425 in Modesto, CA versus $1,240 in Montreal. 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 38% higher in Modesto, CA, 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 $79.0 in Modesto, CA versus $75.0 in Montreal. Monthly groceries follow the same trend: $439 vs $344 – making Montreal the more affordable choice for daily food spending.

Good to know

🇺🇸 Modesto, CA

🇨🇦 Montreal

🕒 Local time

07:39 7:39 AM

10:39 10:39 AM

3 h ahead of Modesto, CA

🌤 Weather

👥 Population

211,266

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 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 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 11, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

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Modesto, CA Montreal 3,980 km ≈ 5 h nonstop flight

From you

Modesto, CA
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

Modesto, CA vs Montreal: Cost of Living - Frequently Asked Questions

Modesto, CA costs about 32% more than Montreal, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,952 per month in Modesto, CA and $3,005 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $2,634 in Modesto, CA and $2,003 in Montreal. That's a gap of about 32%.

Public transport costs about 89% less in Montreal. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Modesto, CA at $2,634. In Montreal it covers expenses comfortably, while in Modesto, CA it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,003 versus $2,634 in Modesto, CA. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Montreal. If higher salaries, better infrastructure, or specific career opportunities are the priority, Modesto, CA makes more sense. Both are solid long-term options with distinct trade-offs.