Last update: Oct 2026

Cost of Living Comparison Between Montreal and McKinney, TX

For one person, living is cheaper in Montreal: $2,018 a month against $2,789 in McKinney, TX, rent and utilities included – about $9,300 less a year. Rent and utilities account for most of the difference.

99

Cost of Living Index in Montreal
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Montreal Living Index
135

Cost of Living Index in McKinney, TX
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McKinney, TX Living Index

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Montreal

🇨🇦 Canada

$2,018

/mo nomad

McKinney, TX

🇺🇸 United States

$2,789

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,018 in Montreal versus $2,789 in McKinney, TX.

Montreal $2,018
McKinney, TX $2,789

Estimated couple costs with rent: $3,085 in Montreal versus $3,710 in McKinney, TX.

Montreal $3,085
McKinney, TX $3,710

Monthly costs for a family of three with rent: $4,152 in Montreal versus $4,630 in McKinney, TX.

Montreal $4,152
McKinney, TX $4,630

Living in Montreal costs roughly 28% less than in McKinney, TX, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Montreal 49% above, McKinney, TX 107% above.

Meal at Budget Restaurant

$18.82 CA$26.61

$18.90 $18.90

-0.42%

Three-Course Dinner for Two, Mid-Range

$70.3 CA$99.4

$59.1 $59.1

18.95%

Fast Food Meal (McDonalds, etc)

$10.66 CA$15.06

$10.81 $10.81

-1.39%

Cappuccino

$3.84 CA$5.43

$5.05 $5.05

-23.96%

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

$1.92 CA$2.71

$2.56 $2.56

-25.00%

Water (0.33 liter bottle)

$1.54 CA$2.18

$1.79 $1.79

-13.97%

Local Beer (0.5 liter draught)

$6.23 CA$8.81

$5.86 $5.86

6.31%

Imported Beer (0.33 liter bottle)

$7.10 CA$10.03

$7.59 $7.59

-6.46%

Milk (1 liter)

$2.31 CA$3.27

$0.95 $0.95

143.16%

White Bread (500g)

$3.14 CA$4.44

$2.79 $2.79

12.54%

Rice (white) (1kg)

$3.21 CA$4.54

$2.32 $2.32

38.36%

Eggs

$3.52 CA$4.97

$4.09 $4.09

-13.94%

Local Cheese (1kg)

$12.81 CA$18.11

$10.16 $10.16

26.08%

Chicken Fillets (1kg)

$11.46 CA$16.20

$15.51 $15.51

-26.11%

Beef Round Steak (1kg)

$13.39 CA$18.92

$16.84 $16.84

-20.49%

Apples (1kg)

$3.14 CA$4.43

$3.06 $3.06

2.61%

Banana (1kg)

$1.44 CA$2.03

$2.85 $2.85

-49.47%

Oranges (1kg)

$3.47 CA$4.91

$2.97 $2.97

16.84%

Tomato (1kg)

$3.07 CA$4.34

$2.63 $2.63

16.73%

Potato (1kg)

$1.90 CA$2.69

$2.18 $2.18

-12.84%

Onion (1kg)

$1.77 CA$2.50

$2.10 $2.10

-15.71%

Lettuce (1 head)

$2.34 CA$3.31

$1.72 $1.72

36.05%

Water (1.5 liter bottle)

$1.55 CA$2.19

$2.98 $2.98

-47.99%

Cigarettes 20 Pack (Marlboro, Camel)

$11.38 CA$16.09

$11.05 $11.05

2.99%

Wine (Bottle)

$10.63 CA$15.03

$11.47 $11.47

-7.32%

Local Beer (0.5 liter bottle)

$2.27 CA$3.21

$1.75 $1.75

29.71%

Imported Beer (0.33 liter bottle)

$2.82 CA$3.99

$3.59 $3.59

-21.45%

One-way Ticket (Public Transport)

$2.66 CA$3.76

$3.08 $3.08

-13.64%

Public Transport Monthly Pass (Regular Price)

$77.3 CA$109

$189 $189

-59.07%

Taxi Start (Normal Tariff)

$3.20 CA$4.53

$2.93 $2.93

9.22%

Taxi (Normal Tariff) (1km)

$1.48 CA$2.09

Taxi 1hour Waiting (Normal Tariff)

$32.88 CA$46.48

$14.74 $14.74

123.07%

Gasoline (1 liter)

$1.34 CA$1.90

$0.93 $0.93

44.09%

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

$28.2K CA$39.8K

$36.1K $36.1K

-21.91%

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

$19.6K CA$27.8K

$24.7K $24.7K

-20.68%

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

$76.0 CA$107

$200 $200

-62.11%

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

$33.95 CA$48.00

$59.4 $59.4

-42.87%

Internet (50+ Mbps, Unlimited Data)

$42.31 CA$59.8

$69.3 $69.3

-38.95%

Gym Membership (Monthly)

$29.76 CA$42.07

$30.36 $30.36

-1.98%

Tennis Court (1 Hour on Weekend)

$20.28 CA$28.67

$12.81 $12.81

58.31%

Cinema Ticket

$11.15 CA$15.77

$11.85 $11.85

-5.91%

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

$507 CA$717

$1,345 $1,345

-62.30%

International Primary School, 1 Child (Yearly)

$16.1K CA$22.7K

Jeans (Levis 501 Or Similar)

$57.6 CA$81.4

$56.5 $56.5

1.82%

Summer Dress (H&M, Zara, etc)

$37.58 CA$53.1

$28.95 $28.95

29.81%

Sport Shoes (Adidas, Nike)

$91.9 CA$130

$87.8 $87.8

4.71%

Men's Leather Business Shoes

$110 CA$155

$59.8 $59.8

83.34%

1-bedroom Apartment, City Center (Monthly)

$1,260 CA$1,782

$1,673 $1,673

-24.67%

1-bedroom Apartment, Outside City Center (Monthly)

$948 CA$1,340

$1,420 $1,420

-33.25%

3-bedroom Apartment, City Center (Monthly)

$2,137 CA$3,021

$2,639 $2,639

-19.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,614 CA$2,281

$1,704 $1,704

-5.28%

Buy Apartment in City Center (m2)

$4,960 CA$7,011

$2,323 $2,323

113.46%

Buy Apartment Outside City Center (m2)

$3,838 CA$5,425

$2,294 $2,294

67.28%

Average Monthly Net Salary (After Tax)

$2,827 CA$3,997

$5,805 $5,805

-51.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

6.51

-31.18%

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

Last update for Montreal: October 12, 2026

Last update for McKinney, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$948 47%

McKinney, TX

$1.4K 50.9% 49.8% $472

Groceries & Markets

Montreal

$346 17.2%

McKinney, TX

$371 13.3% 7.1% $25

Eating Out

Montreal

$288 14.3%

McKinney, TX

$306 11% 6.3% $18

Monthly Utilities & Internet

Montreal

$152 7.5%

McKinney, TX

$329 11.8% 116% $177

Clothing & Footwear

Montreal

$133 6.6%

McKinney, TX

$105 3.8% 21.4% $29

Getting Around

Montreal

$99 4.9%

McKinney, TX

$204 * 7.3% 107% $106

Sport & Entertainment

Montreal

$52 2.6%

McKinney, TX

$54 1.9% 3.9% $2

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,260 in Montreal and $1,673 in McKinney, TX. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 105% 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: $70.0 in Montreal vs $59.0 in McKinney, TX. Groceries flip the comparison at $346 vs $371, with Montreal cheaper for home cooking.

Good to know

🇨🇦 Montreal

🇺🇸 McKinney, TX

🕒 Local time

17:14 5:14 PM

16:14 4:14 PM

1 h behind Montreal

🌤 Weather

👥 Population

1,762,949

202,690

💱 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 →

On the map

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Highest

Between locations

Montreal McKinney, TX 2,390 km ≈ 3 h 30 min nonstop flight

From you

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

Montreal and McKinney, TX differ by about 38% in total monthly costs ($2,018 vs $2,789 including rent). Montreal is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 105% lower in McKinney, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,260 in Montreal versus $1,673 in McKinney, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,018 per month in Montreal versus $2,789 in McKinney, TX – a 38% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Montreal runs roughly 144% less than in McKinney, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,018 in Montreal versus $2,789 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, Montreal and McKinney, 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.

Expats usually find Montreal gentler on the wallet – expenses run 38% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.