Last update: Oct 2026

Cost of Living Comparison Between Montreal and Saratoga, CA

For one person, living is cheaper in Montreal: $2,059 a month against $2,517 in Saratoga, CA, rent and utilities included – about $5,500 less a year. Higher rent and utilities in Saratoga, CA outweigh lower spending on other living expenses.

99

Cost of Living Index in Montreal
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Montreal Living Index
122

Cost of Living Index in Saratoga, CA
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Saratoga, CA Living Index

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Montreal

🇨🇦 Canada

$2,059

/mo nomad

Saratoga, CA

🇺🇸 United States

$2,517

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal and in Saratoga, CA

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 Saratoga, CA actually costs, broken down by who's living it.

A single person spends $2,059 per month in Montreal vs $2,517 in Saratoga, CA, rent included.

Montreal $2,059
Saratoga, CA $2,517

A couple spends around $3,123 per month in Montreal vs $3,732 in Saratoga, CA, rent included.

Montreal $3,123
Saratoga, CA $3,732

A family of three spends $4,187 per month in Montreal vs $4,947 in Saratoga, CA, rent included.

Montreal $4,187
Saratoga, CA $4,947

Montreal is about 18% cheaper than Saratoga, CA, and outside of rent the biggest gap is in groceries.

Both Montreal and Saratoga, CA sit above the global median – Montreal by 52%, Saratoga, CA by 86%.

Meal at Budget Restaurant

$18.84 CA$26.63

$25.17 $25.17

-25.15%

Three-Course Dinner for Two, Mid-Range

$73.2 CA$104

$110 $110

-33.32%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.90

$13.16 $13.16

-19.91%

Cappuccino

$3.97 CA$5.61

$4.98 $4.98

-20.28%

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

$1.94 CA$2.74

$1.96 $1.96

-1.02%

Water (0.33 liter bottle)

$1.57 CA$2.22

$0.98 $0.98

60.20%

Local Beer (0.5 liter draught)

$6.42 CA$9.08

$3.09 $3.09

107.77%

Imported Beer (0.33 liter bottle)

$7.20 CA$10.19

$6.08 $6.08

18.42%

Milk (1 liter)

$2.32 CA$3.28

$1.30 $1.30

78.46%

White Bread (500g)

$3.19 CA$4.51

$3.39 $3.39

-5.90%

Rice (white) (1kg)

$3.19 CA$4.50

$3.25 $3.25

-1.85%

Eggs

$3.68 CA$5.20

$3.95 $3.95

-6.84%

Local Cheese (1kg)

$13.24 CA$18.72

$5.53 $5.53

139.42%

Chicken Fillets (1kg)

$11.69 CA$16.53

$4.35 $4.35

168.74%

Beef Round Steak (1kg)

$13.98 CA$19.76

$10.87 $10.87

28.61%

Apples (1kg)

$3.14 CA$4.44

$4.67 $4.67

-32.76%

Banana (1kg)

$1.45 CA$2.05

$1.08 $1.08

34.26%

Oranges (1kg)

$3.38 CA$4.78

$1.12 $1.12

201.79%

Tomato (1kg)

$3.11 CA$4.40

$3.25 $3.25

-4.31%

Potato (1kg)

$1.93 CA$2.72

$0.76 $0.76

153.95%

Onion (1kg)

$1.83 CA$2.58

$0.80 $0.80

128.75%

Lettuce (1 head)

$2.36 CA$3.34

$1.23 $1.23

91.87%

Water (1.5 liter bottle)

$1.50 CA$2.12

$1.46 $1.46

2.74%

Cigarettes 20 Pack (Marlboro, Camel)

$11.12 CA$15.73

$11.72 $11.72

-5.12%

Wine (Bottle)

$10.60 CA$14.98

$3.91 $3.91

171.10%

Local Beer (0.5 liter bottle)

$2.22 CA$3.14

$1.74 $1.74

27.59%

Imported Beer (0.33 liter bottle)

$2.84 CA$4.01

$4.63 $4.63

-38.66%

One-way Ticket (Public Transport)

$2.62 CA$3.71

$2.03 $2.03

29.06%

Public Transport Monthly Pass (Regular Price)

$79.1 CA$112

$65.9 $65.9

20.15%

Taxi Start (Normal Tariff)

$3.23 CA$4.56

$3.51 $3.51

-7.98%

Taxi (Normal Tariff) (1km)

$1.48 CA$2.10

$0.89 $0.89

66.29%

Taxi 1hour Waiting (Normal Tariff)

$32.22 CA$45.55

$26.05 $26.05

23.69%

Gasoline (1 liter)

$1.36 CA$1.92

$1.48 $1.48

-8.11%

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

$27.6K CA$39.1K

$21.9K $21.9K

26.30%

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

$21.2K CA$30.0K

$24.7K $24.7K

-14.08%

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

$77.0 CA$109

$288 $288

-73.28%

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

$34.14 CA$48.26

$35.61 $35.61

-4.13%

Internet (50+ Mbps, Unlimited Data)

$42.19 CA$59.7

$29.64 $29.64

42.34%

Gym Membership (Monthly)

$30.81 CA$43.56

$40.95 $40.95

-24.76%

Tennis Court (1 Hour on Weekend)

$19.66 CA$27.79

$15.11 $15.11

30.11%

Cinema Ticket

$11.47 CA$16.22

$7.96 $7.96

44.10%

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

$506 CA$716

$1,407 $1,407

-64.04%

International Primary School, 1 Child (Yearly)

$16.2K CA$23.0K

$42.0K $42.0K

-61.33%

Jeans (Levis 501 Or Similar)

$57.3 CA$81.0

$39.80 $39.80

43.87%

Summer Dress (H&M, Zara, etc)

$38.10 CA$53.9

$25.03 $25.03

52.22%

Sport Shoes (Adidas, Nike)

$91.9 CA$130

$76.1 $76.1

20.84%

Men's Leather Business Shoes

$110 CA$155

$152 $152

-27.65%

1-bedroom Apartment, City Center (Monthly)

$1,237 CA$1,748

$1,584 $1,584

-21.90%

1-bedroom Apartment, Outside City Center (Monthly)

$977 CA$1,381

$1,304 $1,304

-25.10%

3-bedroom Apartment, City Center (Monthly)

$2,180 CA$3,082

$2,492 $2,492

-12.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,608 CA$2,273

$2,139 $2,139

-24.83%

Buy Apartment in City Center (m2)

$5,113 CA$7,228

$2,515 $2,515

103.27%

Buy Apartment Outside City Center (m2)

$3,744 CA$5,293

$2,359 $2,359

58.75%

Average Monthly Net Salary (After Tax)

$2,957 CA$4,180

$8,088 $8,088

-63.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

-25.33%

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

Last update for Montreal: October 20, 2026

Last update for Saratoga, CA: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$977 47.4%

Saratoga, CA

$1.3K 51.8% 33.5% $327

Groceries & Markets

Montreal

$351 17.1%

Saratoga, CA

$249 9.9% 29% $102

Eating Out

Montreal

$290 14.1%

Saratoga, CA

$340 13.5% 17.1% $50

Monthly Utilities & Internet

Montreal

$153 7.5%

Saratoga, CA

$354 14% 131% $200

Clothing & Footwear

Montreal

$134 6.5%

Saratoga, CA

$132 5.2% 1.5% $2

Getting Around

Montreal

$100 4.9%

Saratoga, CA

$82 3.3% 18.3% $18

Sport & Entertainment

Montreal

$54 2.6%

Saratoga, CA

$57 2.3% 5.8% $3.1

Cost Breakdown

A central one-bedroom costs $1,237 in Montreal versus $1,584 in Saratoga, CA. 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 174% higher in Saratoga, 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 $73.0 in Montreal versus $110 in Saratoga, CA. Groceries tell a different story – $351 in Montreal vs $249 in Saratoga, CA – so Saratoga, CA wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Montreal

🇺🇸 Saratoga, CA

🕒 Local time

09:13 9:13 AM

06:13 6:13 AM

3 h behind Montreal

🌤 Weather

👥 Population

1,762,949

30,153

💱 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 22, 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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

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Between locations

Montreal Saratoga, CA 4,080 km ≈ 6 h nonstop flight

From you

Montreal
Saratoga, CA

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 Saratoga, CA: Cost of Living - Frequently Asked Questions

Saratoga, CA costs about 22% 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 $3,089 per month in Montreal and $3,776 in Saratoga, CA. 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 41% cheaper in Saratoga, CA – 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 $73.0 in Montreal and $110 in Saratoga, CA. 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 $2,059, than in Saratoga, CA at $2,517. In Montreal it covers expenses comfortably, while in Saratoga, CA it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,059 versus $2,517 in Saratoga, 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, Saratoga, CA makes more sense. Both are solid long-term options with distinct trade-offs.