Last update: Oct 2026

Cost of Living Comparison Between Montreal and Caldwell, TX

For one person, living is cheaper in Montreal: $2,064 a month against $2,449 in Caldwell, TX, rent and utilities included – about $4,600 less a year. Higher rent and utilities in Caldwell, TX outweigh lower spending on other living expenses.

99

Cost of Living Index in Montreal
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Montreal Living Index
117

Cost of Living Index in Caldwell, TX
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Caldwell, TX Living Index

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Montreal

🇨🇦 Canada

$2,064

/mo nomad

Caldwell, TX

🇺🇸 United States

$2,449

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal and in Caldwell, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Montreal and in Caldwell, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,064 in Montreal versus $2,449 in Caldwell, TX.

Montreal $2,064
Caldwell, TX $2,449

Estimated couple costs with rent: $3,156 in Montreal versus $3,548 in Caldwell, TX.

Montreal $3,156
Caldwell, TX $3,548

Monthly costs for a family of three with rent: $4,247 in Montreal versus $4,647 in Caldwell, TX.

Montreal $4,247
Caldwell, TX $4,647

Living in Montreal costs roughly 16% less than in Caldwell, TX, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Montreal 52% above, Caldwell, TX 80% above.

Meal at Budget Restaurant

$18.98 CA$26.64

$14.88 $14.88

27.55%

Three-Course Dinner for Two, Mid-Range

$73.0 CA$102

$60.4 $60.4

20.83%

Fast Food Meal (McDonalds, etc)

$10.88 CA$15.27

$9.88 $9.88

10.12%

Cappuccino

$3.81 CA$5.35

$3.97 $3.97

-4.03%

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

$1.94 CA$2.72

$1.47 $1.47

31.97%

Water (0.33 liter bottle)

$1.58 CA$2.22

$1.73 $1.73

-8.67%

Local Beer (0.5 liter draught)

$6.37 CA$8.94

$5.13 $5.13

24.17%

Imported Beer (0.33 liter bottle)

$7.26 CA$10.20

$6.05 $6.05

20.00%

Milk (1 liter)

$2.23 CA$3.13

$0.77 $0.77

189.61%

White Bread (500g)

$3.17 CA$4.45

$2.71 $2.71

16.97%

Rice (white) (1kg)

$3.31 CA$4.64

$3.96 $3.96

-16.41%

Eggs

$3.63 CA$5.09

$2.92 $2.92

24.32%

Local Cheese (1kg)

$13.16 CA$18.47

$10.95 $10.95

20.18%

Chicken Fillets (1kg)

$11.56 CA$16.22

$15.64 $15.64

-26.09%

Beef Round Steak (1kg)

$13.71 CA$19.25

$24.53 $24.53

-44.11%

Apples (1kg)

$3.29 CA$4.62

$4.39 $4.39

-25.06%

Banana (1kg)

$1.46 CA$2.05

$1.77 $1.77

-17.51%

Oranges (1kg)

$3.37 CA$4.73

$4.44 $4.44

-24.10%

Tomato (1kg)

$3.15 CA$4.42

$2.66 $2.66

18.42%

Potato (1kg)

$1.89 CA$2.65

$2.16 $2.16

-12.50%

Onion (1kg)

$1.79 CA$2.52

$1.73 $1.73

3.47%

Lettuce (1 head)

$2.47 CA$3.47

$2.05 $2.05

20.49%

Water (1.5 liter bottle)

$1.58 CA$2.22

$1.98 $1.98

-20.20%

Cigarettes 20 Pack (Marlboro, Camel)

$11.28 CA$15.84

$9.61 $9.61

17.38%

Wine (Bottle)

$10.49 CA$14.73

$10.68 $10.68

-1.78%

Local Beer (0.5 liter bottle)

$2.34 CA$3.28

$1.68 $1.68

39.29%

Imported Beer (0.33 liter bottle)

$2.91 CA$4.09

$3.56 $3.56

-18.26%

One-way Ticket (Public Transport)

$2.61 CA$3.66

$1.96 $1.96

33.16%

Public Transport Monthly Pass (Regular Price)

$79.1 CA$111

$51.0 $51.0

55.07%

Taxi Start (Normal Tariff)

$3.26 CA$4.57

$3.33 $3.33

-2.10%

Taxi (Normal Tariff) (1km)

$1.44 CA$2.02

$1.65 $1.65

-12.73%

Taxi 1hour Waiting (Normal Tariff)

$33.43 CA$46.92

$26.34 $26.34

26.92%

Gasoline (1 liter)

$1.33 CA$1.87

$0.94 $0.94

41.49%

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

$28.6K CA$40.2K

$26.5K $26.5K

8.11%

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

$21.1K CA$29.6K

$25.4K $25.4K

-17.02%

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

$80.1 CA$112

$173 $173

-53.78%

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

$34.30 CA$48.14

$25.30 $25.30

35.57%

Internet (50+ Mbps, Unlimited Data)

$42.85 CA$60.1

$68.5 $68.5

-37.43%

Gym Membership (Monthly)

$31.14 CA$43.71

$40.60 $40.60

-23.30%

Tennis Court (1 Hour on Weekend)

$19.41 CA$27.24

$9.85 $9.85

97.06%

Cinema Ticket

$11.23 CA$15.76

$14.96 $14.96

-24.93%

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

$525 CA$737

$1,521 $1,521

-65.48%

International Primary School, 1 Child (Yearly)

$16.3K CA$22.9K

$24.7K $24.7K

-33.77%

Jeans (Levis 501 Or Similar)

$58.0 CA$81.4

$22.35 $22.35

159.51%

Summer Dress (H&M, Zara, etc)

$38.11 CA$53.5

$56.1 $56.1

-32.06%

Sport Shoes (Adidas, Nike)

$93.4 CA$131

$64.9 $64.9

43.91%

Men's Leather Business Shoes

$110 CA$155

$96.4 $96.4

14.35%

1-bedroom Apartment, City Center (Monthly)

$1,285 CA$1,803

$1,565 $1,565

-17.89%

1-bedroom Apartment, Outside City Center (Monthly)

$977 CA$1,371

$1,297 $1,297

-24.68%

3-bedroom Apartment, City Center (Monthly)

$2,271 CA$3,187

$2,531 $2,531

-10.29%

3-bedroom Apartment, Outside City Center (Monthly)

$1,665 CA$2,336

$2,115 $2,115

-21.28%

Buy Apartment in City Center (m2)

$5,139 CA$7,212

$2,784 $2,784

84.59%

Buy Apartment Outside City Center (m2)

$3,834 CA$5,381

$2,330 $2,330

64.56%

Average Monthly Net Salary (After Tax)

$3,002 CA$4,213

$1,333 $1,333

125.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

6.62

-32.33%

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

Last update for Montreal: October 25, 2026

Last update for Caldwell, TX: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$977 47.3%

Caldwell, TX

$1.3K 53% 32.8% $320

Groceries & Markets

Montreal

$351 17%

Caldwell, TX

$389 15.9% 10.9% $38

Eating Out

Montreal

$291 14.1%

Caldwell, TX

$247 10.1% 15.1% $44

Monthly Utilities & Internet

Montreal

$157 7.6%

Caldwell, TX

$267 10.9% 69.8% $110

Clothing & Footwear

Montreal

$135 6.5%

Caldwell, TX

$108 4.4% 20% $27

Getting Around

Montreal

$100 4.9%

Caldwell, TX

$70 2.9% 29.6% $30

Sport & Entertainment

Montreal

$54 2.6%

Caldwell, TX

$71 2.9% 31.5% $17

Cost Breakdown

A one-bedroom apartment in the center runs $1,285 in Montreal and $1,565 in Caldwell, TX. Housing cost is often the main lever when comparing two cities.

Montreal pays about 2.3 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $73 in Montreal vs $60 in Caldwell, TX. Groceries flip the comparison at $351 vs $389, with Montreal cheaper for home cooking.

Good to know

🇨🇦 Montreal

🇺🇸 Caldwell, TX

🕒 Local time

14:02 2:02 PM

13:02 1:02 PM

1 h behind Montreal

🌤 Weather

👥 Population

1,762,949

59,996

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

1 USD = 0.898 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 EUR).

United States Dollar exchange rates as of October 28, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

USD to CAD in detail →

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Montreal Caldwell, TX 2,610 km ≈ 3 h 45 min nonstop flight

From you

Montreal
Caldwell, TX

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

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

Montreal wins on cost – living expenses run 16% lower than in Caldwell, TX. Housing and daily spending are where you’ll feel the difference most, making Montreal the obvious pick if budget is a priority.

Average pay in Montreal is about 2.3 times higher, 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: $1,285 in Montreal versus $1,565 in Caldwell, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Caldwell, TX – a meal for two runs $60 versus $73 in Montreal. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,064 per month in Montreal versus $2,449 in Caldwell, TX – a 19% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Montreal is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Montreal and Caldwell, TX are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.