Last update: Oct 2026

Cost of Living Comparison Between Montreal and Garland, TX

For one person, living is cheaper in Montreal: $2,003 a month against $2,590 in Garland, TX, rent and utilities included – about $7,000 less a year. Rent and utilities account for about half of the difference.

99

Cost of Living Index in Montreal
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Montreal Living Index
127

Cost of Living Index in Garland, TX
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Garland, TX Living Index

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Montreal

🇨🇦 Canada

$2,003

/mo nomad

Garland, TX

🇺🇸 United States

$2,590

/mo nomad

Monthly Cost of Living

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

A single person spends $2,003 per month in Montreal vs $2,590 in Garland, TX, rent included.

Montreal $2,003
Garland, TX $2,590

A couple spends around $3,048 per month in Montreal vs $3,751 in Garland, TX, rent included.

Montreal $3,048
Garland, TX $3,751

A family of three spends $4,092 per month in Montreal vs $4,912 in Garland, TX, rent included.

Montreal $4,092
Garland, TX $4,912

Montreal is about 23% cheaper than Garland, TX, and outside of rent the biggest gap is in utilities.

Both Montreal and Garland, TX sit above the global median – Montreal by 49%, Garland, TX by 93%.

Meal at Budget Restaurant

$19.31 CA$27.52

$19.79 $19.79

-2.43%

Three-Course Dinner for Two, Mid-Range

$75.5 CA$108

$54.4 $54.4

38.84%

Fast Food Meal (McDonalds, etc)

$10.63 CA$15.15

$10.02 $10.02

6.09%

Cappuccino

$3.93 CA$5.60

$5.68 $5.68

-30.81%

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

$1.92 CA$2.73

$2.62 $2.62

-26.72%

Water (0.33 liter bottle)

$1.48 CA$2.11

$2.33 $2.33

-36.48%

Local Beer (0.5 liter draught)

$6.30 CA$8.98

$5.53 $5.53

13.92%

Imported Beer (0.33 liter bottle)

$7.19 CA$10.24

$7.40 $7.40

-2.84%

Milk (1 liter)

$2.22 CA$3.17

$0.92 $0.92

141.30%

White Bread (500g)

$3.06 CA$4.36

$3.80 $3.80

-19.47%

Rice (white) (1kg)

$2.94 CA$4.19

$5.32 $5.32

-44.74%

Eggs

$3.53 CA$5.03

$4.53 $4.53

-22.08%

Local Cheese (1kg)

$13.19 CA$18.79

$7.87 $7.87

67.60%

Chicken Fillets (1kg)

$11.24 CA$16.02

$11.68 $11.68

-3.77%

Beef Round Steak (1kg)

$13.81 CA$19.69

$19.34 $19.34

-28.59%

Apples (1kg)

$3.40 CA$4.85

$5.31 $5.31

-35.97%

Banana (1kg)

$1.44 CA$2.06

$1.24 $1.24

16.13%

Oranges (1kg)

$3.26 CA$4.65

$5.23 $5.23

-37.67%

Tomato (1kg)

$2.88 CA$4.10

$4.40 $4.40

-34.55%

Potato (1kg)

$1.86 CA$2.65

$2.07 $2.07

-10.14%

Onion (1kg)

$1.82 CA$2.60

$2.08 $2.08

-12.50%

Lettuce (1 head)

$2.43 CA$3.46

$2.13 $2.13

14.08%

Water (1.5 liter bottle)

$1.52 CA$2.17

$1.45 $1.45

4.83%

Cigarettes 20 Pack (Marlboro, Camel)

$11.45 CA$16.32

$9.64 $9.64

18.78%

Wine (Bottle)

$10.36 CA$14.76

$10.90 $10.90

-4.95%

Local Beer (0.5 liter bottle)

$2.22 CA$3.16

$2.02 $2.02

9.90%

Imported Beer (0.33 liter bottle)

$2.82 CA$4.02

$3.26 $3.26

-13.50%

One-way Ticket (Public Transport)

$2.58 CA$3.67

$2.95 $2.95

-12.54%

Public Transport Monthly Pass (Regular Price)

$76.9 CA$110

$96.7 $96.7

-20.49%

Taxi Start (Normal Tariff)

$3.25 CA$4.64

$2.98 $2.98

9.06%

Taxi (Normal Tariff) (1km)

$1.48 CA$2.11

$1.72 $1.72

-13.95%

Taxi 1hour Waiting (Normal Tariff)

$33.04 CA$47.09

$24.18 $24.18

36.64%

Gasoline (1 liter)

$1.36 CA$1.94

$0.97 $0.97

40.21%

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

$27.4K CA$39.1K

$36.4K $36.4K

-24.72%

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

$20.0K CA$28.5K

$26.0K $26.0K

-23.25%

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

$76.1 CA$109

$202 $202

-62.41%

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

$34.68 CA$49.43

$54.2 $54.2

-35.98%

Internet (50+ Mbps, Unlimited Data)

$42.69 CA$60.9

$80.7 $80.7

-47.11%

Gym Membership (Monthly)

$28.94 CA$41.26

$39.85 $39.85

-27.38%

Tennis Court (1 Hour on Weekend)

$20.33 CA$28.97

$16.24 $16.24

25.18%

Cinema Ticket

$11.21 CA$15.98

$15.13 $15.13

-25.91%

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

$505 CA$720

$1,341 $1,341

-62.33%

International Primary School, 1 Child (Yearly)

$16.0K CA$22.8K

$28.6K $28.6K

-44.11%

Jeans (Levis 501 Or Similar)

$58.5 CA$83.4

$60.2 $60.2

-2.78%

Summer Dress (H&M, Zara, etc)

$38.00 CA$54.2

$29.52 $29.52

28.73%

Sport Shoes (Adidas, Nike)

$92.7 CA$132

$84.7 $84.7

9.51%

Men's Leather Business Shoes

$106 CA$151

$120 $120

-11.94%

1-bedroom Apartment, City Center (Monthly)

$1,240 CA$1,768

$1,518 $1,518

-18.30%

1-bedroom Apartment, Outside City Center (Monthly)

$986 CA$1,405

$1,276 $1,276

-22.74%

3-bedroom Apartment, City Center (Monthly)

$2,102 CA$2,996

$2,344 $2,344

-10.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,615 CA$2,302

$2,077 $2,077

-22.25%

Buy Apartment in City Center (m2)

$5,043 CA$7,188

$3,256 $3,256

54.88%

Buy Apartment Outside City Center (m2)

$3,830 CA$5,459

$1,953 $1,953

96.05%

Average Monthly Net Salary (After Tax)

$2,920 CA$4,163

$3,710 $3,710

-21.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.46

6.62

-32.63%

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

Last update for Montreal: October 6, 2026

Last update for Garland, TX: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$986 47.9%

Garland, TX

$1.3K 48.5% 29.4% $290

Groceries & Markets

Montreal

$344 16.7%

Garland, TX

$378 14.4% 10.1% $35

Eating Out

Montreal

$293 14.2%

Garland, TX

$319 12.1% 8.8% $26

Monthly Utilities & Internet

Montreal

$154 7.5%

Garland, TX

$337 12.8% 120% $184

Clothing & Footwear

Montreal

$133 6.5%

Garland, TX

$133 5% 0.2% $0.2

Getting Around

Montreal

$98 4.8%

Garland, TX

$120 4.6% 22.7% $22

Sport & Entertainment

Montreal

$51 2.5%

Garland, TX

$70 2.7% 36.5% $19

Cost Breakdown

A central one-bedroom costs $1,240 in Montreal versus $1,518 in Garland, TX. 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 27% higher in Garland, TX, 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 $75.0 in Montreal versus $54.0 in Garland, TX. Groceries tell a different story – $344 in Montreal vs $378 in Garland, TX – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Montreal

🇺🇸 Garland, TX

🕒 Local time

23:40 11:40 PM

22:40 10:40 PM

1 h behind Montreal

🌤 Weather

👥 Population

1,762,949

242,035

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 USD = 0.892 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 11, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

United States Dollar exchange rates as of October 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Montreal Garland, TX 2,420 km ≈ 3 h 30 min nonstop flight

From you

Montreal
Garland, 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 Garland, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,003 in Montreal, $2,590 in Garland, TX – roughly 29% apart. Outside of rent, the biggest gap is in utilities.

For a comfortable life, plan on about $3,005 per month in Montreal and $3,885 in Garland, TX. 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.

Kindergarten costs $505 per month in Montreal and $1,341 in Garland, TX. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 10% more in Garland, TX, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,003, than in Garland, TX at $2,590. In Montreal it covers expenses comfortably, while in Garland, TX 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 $2,003 in Montreal to $2,590 in Garland, TX. 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, Garland, TX makes more sense. Both are solid long-term options with distinct trade-offs.