Last update: Oct 2026

Cost of Living Comparison Between Montreal and Fort Walton Beach, FL

For one person, living is cheaper in Montreal: $2,018 a month against $2,162 in Fort Walton Beach, FL, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Fort Walton Beach, FL outweigh lower spending on other living expenses.

99

Cost of Living Index in Montreal
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Montreal Living Index
105

Cost of Living Index in Fort Walton Beach, FL
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Fort Walton Beach, FL Living Index

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Montreal

🇨🇦 Canada

$2,018

/mo nomad

Fort Walton Beach, FL

🇺🇸 United States

$2,162

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal and in Fort Walton Beach, FL

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 Fort Walton Beach, FL actually costs, broken down by who's living it.

A single person spends $2,018 per month in Montreal vs $2,162 in Fort Walton Beach, FL, rent included.

Montreal $2,018
Fort Walton Beach, FL $2,162

A couple spends around $3,085 per month in Montreal vs $3,344 in Fort Walton Beach, FL, rent included.

Montreal $3,085
Fort Walton Beach, FL $3,344

A family of three spends $4,152 per month in Montreal vs $4,526 in Fort Walton Beach, FL, rent included.

Montreal $4,152
Fort Walton Beach, FL $4,526

Montreal is about 7% cheaper than Fort Walton Beach, FL, and outside of rent the biggest gap is in groceries.

Both Montreal and Fort Walton Beach, FL sit above the global median – Montreal by 49%, Fort Walton Beach, FL by 60%.

Meal at Budget Restaurant

$18.82 CA$26.61

$14.82 $14.82

26.99%

Three-Course Dinner for Two, Mid-Range

$70.3 CA$99.4

$80.0 $80.0

-12.12%

Fast Food Meal (McDonalds, etc)

$10.66 CA$15.06

$10.38 $10.38

2.70%

Cappuccino

$3.84 CA$5.43

$4.92 $4.92

-21.95%

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

$1.92 CA$2.71

$2.62 $2.62

-26.72%

Water (0.33 liter bottle)

$1.54 CA$2.18

$2.03 $2.03

-24.14%

Local Beer (0.5 liter draught)

$6.23 CA$8.81

$4.89 $4.89

27.40%

Imported Beer (0.33 liter bottle)

$7.10 CA$10.03

$7.05 $7.05

0.71%

Milk (1 liter)

$2.31 CA$3.27

$1.03 $1.03

124.27%

White Bread (500g)

$3.14 CA$4.44

$2.86 $2.86

9.79%

Rice (white) (1kg)

$3.21 CA$4.54

$2.02 $2.02

58.91%

Eggs

$3.52 CA$4.97

$3.02 $3.02

16.56%

Local Cheese (1kg)

$12.81 CA$18.11

$11.40 $11.40

12.37%

Chicken Fillets (1kg)

$11.46 CA$16.20

$9.88 $9.88

15.99%

Beef Round Steak (1kg)

$13.39 CA$18.92

$14.01 $14.01

-4.43%

Apples (1kg)

$3.14 CA$4.43

$3.55 $3.55

-11.55%

Banana (1kg)

$1.44 CA$2.03

$1.57 $1.57

-8.28%

Oranges (1kg)

$3.47 CA$4.91

$3.24 $3.24

7.10%

Tomato (1kg)

$3.07 CA$4.34

$2.87 $2.87

6.97%

Potato (1kg)

$1.90 CA$2.69

$1.43 $1.43

32.87%

Onion (1kg)

$1.77 CA$2.50

$2.05 $2.05

-13.66%

Lettuce (1 head)

$2.34 CA$3.31

$1.75 $1.75

33.71%

Water (1.5 liter bottle)

$1.55 CA$2.19

$1.51 $1.51

2.65%

Cigarettes 20 Pack (Marlboro, Camel)

$11.38 CA$16.09

$9.20 $9.20

23.70%

Wine (Bottle)

$10.63 CA$15.03

$8.75 $8.75

21.49%

Local Beer (0.5 liter bottle)

$2.27 CA$3.21

$1.85 $1.85

22.70%

Imported Beer (0.33 liter bottle)

$2.82 CA$3.99

$2.03 $2.03

38.92%

One-way Ticket (Public Transport)

$2.66 CA$3.76

$2.03 $2.03

31.03%

Public Transport Monthly Pass (Regular Price)

$77.3 CA$109

$49.66 $49.66

55.64%

Taxi Start (Normal Tariff)

$3.20 CA$4.53

$6.14 $6.14

-47.88%

Taxi (Normal Tariff) (1km)

$1.48 CA$2.09

$1.82 $1.82

-18.68%

Taxi 1hour Waiting (Normal Tariff)

$32.88 CA$46.48

$45.52 $45.52

-27.77%

Gasoline (1 liter)

$1.34 CA$1.90

$0.95 $0.95

41.05%

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

$28.2K CA$39.8K

$26.6K $26.6K

5.83%

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

$19.6K CA$27.8K

$25.2K $25.2K

-22.19%

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

$76.0 CA$107

$171 $171

-55.63%

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

$33.95 CA$48.00

$49.37 $49.37

-31.23%

Internet (50+ Mbps, Unlimited Data)

$42.31 CA$59.8

$64.5 $64.5

-34.38%

Gym Membership (Monthly)

$29.76 CA$42.07

$46.91 $46.91

-36.56%

Tennis Court (1 Hour on Weekend)

$20.28 CA$28.67

Cinema Ticket

$11.15 CA$15.77

$13.39 $13.39

-16.73%

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

$507 CA$717

$826 $826

-38.59%

International Primary School, 1 Child (Yearly)

$16.1K CA$22.7K

$13.5K $13.5K

18.61%

Jeans (Levis 501 Or Similar)

$57.6 CA$81.4

$30.36 $30.36

89.56%

Summer Dress (H&M, Zara, etc)

$37.58 CA$53.1

$19.91 $19.91

88.75%

Sport Shoes (Adidas, Nike)

$91.9 CA$130

$95.8 $95.8

-4.10%

Men's Leather Business Shoes

$110 CA$155

$105 $105

4.24%

1-bedroom Apartment, City Center (Monthly)

$1,260 CA$1,782

$1,643 $1,643

-23.30%

1-bedroom Apartment, Outside City Center (Monthly)

$948 CA$1,340

$1,048 $1,048

-9.60%

3-bedroom Apartment, City Center (Monthly)

$2,137 CA$3,021

$2,842 $2,842

-24.82%

3-bedroom Apartment, Outside City Center (Monthly)

$1,614 CA$2,281

$2,008 $2,008

-19.63%

Buy Apartment in City Center (m2)

$4,960 CA$7,011

$4,773 $4,773

3.91%

Buy Apartment Outside City Center (m2)

$3,838 CA$5,425

$5,105 $5,105

-24.83%

Average Monthly Net Salary (After Tax)

$2,827 CA$3,997

$3,269 $3,269

-13.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

6.42

-30.22%

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

Last update for Montreal: October 12, 2026

Last update for Fort Walton Beach, FL: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$948 47%

Fort Walton Beach, FL

$1K 48.5% 10.6% $101

Groceries & Markets

Montreal

$346 17.2%

Fort Walton Beach, FL

$304 14% 12.4% $43

Eating Out

Montreal

$288 14.3%

Fort Walton Beach, FL

$266 12.3% 7.6% $22

Monthly Utilities & Internet

Montreal

$152 7.5%

Fort Walton Beach, FL

$285 13.2% 87.3% $133

Clothing & Footwear

Montreal

$133 6.6%

Fort Walton Beach, FL

$113 5.2% 15.3% $20

Getting Around

Montreal

$99 4.9%

Fort Walton Beach, FL

$73 3.4% 25.9% $26

Sport & Entertainment

Montreal

$52 2.6%

Fort Walton Beach, FL

$74 3.4% 41.5% $22

Cost Breakdown

A central one-bedroom costs $1,260 in Montreal versus $1,643 in Fort Walton Beach, FL. 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 16% higher in Fort Walton Beach, FL, 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 $70.0 in Montreal versus $80.0 in Fort Walton Beach, FL. Groceries tell a different story – $346 in Montreal vs $304 in Fort Walton Beach, FL – so Fort Walton Beach, FL wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Montreal

🇺🇸 Fort Walton Beach, FL

🕒 Local time

15:39 3:39 PM

14:39 2:39 PM

1 h behind Montreal

🌤 Weather

👥 Population

1,762,949

19,507

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 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 18, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

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Montreal Fort Walton Beach, FL 2,030 km ≈ 3 h nonstop flight

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Montreal
Fort Walton Beach, FL

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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 Fort Walton Beach, FL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,018 in Montreal, $2,162 in Fort Walton Beach, FL – roughly 7% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,027 per month in Montreal and $3,244 in Fort Walton Beach, FL. 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.

Interestingly, groceries are about 14% cheaper in Fort Walton Beach, FL – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $70.0 in Montreal and $80.0 in Fort Walton Beach, FL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,018, than in Fort Walton Beach, FL at $2,162. In Montreal it covers expenses comfortably, while in Fort Walton Beach, FL it requires careful planning or may not stretch far enough.

It depends on your priorities. Montreal has an edge in some lifestyle areas, with costs from $2,018 in Montreal to $2,162 in Fort Walton Beach, FL. Climate, culture, job market, and personal taste all factor in.

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, Fort Walton Beach, FL makes more sense. Both are solid long-term options with distinct trade-offs.