Last update: Nov 2026

Cost of Living Comparison Between Montreal and Simpson Bay

For one person, living is cheaper in Montreal: $2,067 a month against $3,856 in Simpson Bay, rent and utilities included – about $21,500 less a year. Rent and utilities account for most of the difference.

100

Cost of Living Index in Montreal
Learn more

Montreal Living Index

Jump to prices

Montreal

🇨🇦 Canada

$2,067

/mo nomad

Simpson Bay

🇸🇽 Sint Maarten

$3,856

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal and in Simpson Bay

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 Simpson Bay actually costs, broken down by who's living it.

A single person spends $2,067 per month in Montreal vs $3,856 in Simpson Bay, rent included.

Montreal $2,067
Simpson Bay $3,856

A couple spends around $3,179 per month in Montreal vs $6,539 in Simpson Bay, rent included.

Montreal $3,179
Simpson Bay $6,539

A family of three spends $4,291 per month in Montreal vs $9,222 in Simpson Bay, rent included.

Montreal $4,291
Simpson Bay $9,222

Montreal is about 46% cheaper than Simpson Bay, and outside of rent the biggest gap is in groceries.

Both Montreal and Simpson Bay sit above the global median – Montreal by 53%, Simpson Bay by 185%.

Meal at Budget Restaurant

$18.89 CA$26.48

$18.72 ANG 33.52

0.91%

Three-Course Dinner for Two, Mid-Range

$72.6 CA$102

$130 ANG 232

-44.11%

Fast Food Meal (McDonalds, etc)

$10.79 CA$15.13

$12.94 ANG 23.16

-16.62%

Cappuccino

$3.98 CA$5.58

$4.29 ANG 7.68

-7.23%

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

$2.02 CA$2.83

$2.93 ANG 5.24

-31.06%

Water (0.33 liter bottle)

$1.63 CA$2.29

$2.97 ANG 5.32

-45.12%

Local Beer (0.5 liter draught)

$6.32 CA$8.86

$5.48 ANG 9.81

15.33%

Imported Beer (0.33 liter bottle)

$7.06 CA$9.90

$3.98 ANG 7.13

77.39%

Milk (1 liter)

$2.33 CA$3.27

$3.94 ANG 7.06

-40.86%

White Bread (500g)

$3.25 CA$4.55

$2.79 ANG 4.99

16.49%

Rice (white) (1kg)

$3.26 CA$4.58

$3.05 ANG 5.46

6.89%

Eggs

$3.48 CA$4.87

$4.46 ANG 7.98

-21.97%

Local Cheese (1kg)

$13.73 CA$19.25

$25.44 ANG 45.53

-46.03%

Chicken Fillets (1kg)

$11.48 CA$16.09

$13.59 ANG 24.33

-15.53%

Beef Round Steak (1kg)

$14.26 CA$19.99

$17.13 ANG 30.65

-16.75%

Apples (1kg)

$3.52 CA$4.94

$4.32 ANG 7.73

-18.52%

Banana (1kg)

$1.46 CA$2.04

$3.52 ANG 6.31

-58.52%

Oranges (1kg)

$3.41 CA$4.78

$6.66 ANG 11.92

-48.80%

Tomato (1kg)

$3.20 CA$4.49

$4.98 ANG 8.91

-35.74%

Potato (1kg)

$1.94 CA$2.71

$3.92 ANG 7.01

-50.51%

Onion (1kg)

$1.78 CA$2.50

$3.55 ANG 6.36

-49.86%

Lettuce (1 head)

$2.52 CA$3.53

$3.06 ANG 5.48

-17.65%

Water (1.5 liter bottle)

$1.58 CA$2.22

$1.41 ANG 2.53

12.06%

Cigarettes 20 Pack (Marlboro, Camel)

$11.51 CA$16.13

Wine (Bottle)

$10.57 CA$14.82

$14.74 ANG 26.38

-28.29%

Local Beer (0.5 liter bottle)

$2.35 CA$3.29

Imported Beer (0.33 liter bottle)

$2.90 CA$4.06

$1.80 ANG 3.22

61.11%

One-way Ticket (Public Transport)

$2.61 CA$3.66

$2.96 ANG 5.29

-11.82%

Public Transport Monthly Pass (Regular Price)

$78.5 CA$110

Taxi Start (Normal Tariff)

$3.17 CA$4.45

$14.97 ANG 26.80

-78.82%

Taxi (Normal Tariff) (1km)

$1.49 CA$2.09

Taxi 1hour Waiting (Normal Tariff)

$33.49 CA$46.94

Gasoline (1 liter)

$1.36 CA$1.91

$1.25 ANG 2.25

8.80%

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

$28.0K CA$39.3K

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

$21.1K CA$29.6K

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

$77.6 CA$109

$505 ANG 904

-84.63%

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

$35.63 CA$49.94

$34.57 ANG 61.9

3.07%

Internet (50+ Mbps, Unlimited Data)

$43.73 CA$61.3

$88.4 ANG 158

-50.51%

Gym Membership (Monthly)

$30.07 CA$42.16

$76.1 ANG 136

-60.47%

Tennis Court (1 Hour on Weekend)

$19.97 CA$27.99

Cinema Ticket

$11.27 CA$15.80

$8.15 ANG 14.59

38.28%

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

$522 CA$732

$745 ANG 1,334

-29.97%

International Primary School, 1 Child (Yearly)

$17.8K CA$24.9K

$12.0K ANG 21.4K

48.65%

Jeans (Levis 501 Or Similar)

$59.0 CA$82.7

$49.66 ANG 88.9

18.75%

Summer Dress (H&M, Zara, etc)

$39.01 CA$54.7

$40.54 ANG 72.6

-3.77%

Sport Shoes (Adidas, Nike)

$99.8 CA$140

$98.5 ANG 176

1.32%

Men's Leather Business Shoes

$110 CA$154

$59.6 ANG 107

84.09%

1-bedroom Apartment, City Center (Monthly)

$1,298 CA$1,820

$2,289 ANG 4,097

-43.28%

1-bedroom Apartment, Outside City Center (Monthly)

$970 CA$1,360

$2,230 ANG 3,992

-56.48%

3-bedroom Apartment, City Center (Monthly)

$2,323 CA$3,257

$5,892 ANG 10.5K

-60.57%

3-bedroom Apartment, Outside City Center (Monthly)

$1,689 CA$2,368

$5,710 ANG 10.2K

-70.42%

Buy Apartment in City Center (m2)

$5,004 CA$7,014

Buy Apartment Outside City Center (m2)

$3,736 CA$5,237

Average Monthly Net Salary (After Tax)

$2,943 CA$4,125

20-Year Fixed Mortgage Interest Rate (Annual %)

4.51

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

Last update for Montreal: November 3, 2026

Last update for Simpson Bay: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$970 47%

Simpson Bay

–

Groceries & Markets

Montreal

$357 17.3%

Simpson Bay

–

Eating Out

Montreal

$292 14.1%

Simpson Bay

–

Monthly Utilities & Internet

Montreal

$157 7.6%

Simpson Bay

–

Clothing & Footwear

Montreal

$138 6.7%

Simpson Bay

–

Getting Around

Montreal

$100 4.8%

Simpson Bay

–

Sport & Entertainment

Montreal

$53 2.6%

Simpson Bay

–

Cost Breakdown

A central one-bedroom costs $1,298 in Montreal versus $2,289 in Simpson Bay. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $73 in Montreal versus $130 in Simpson Bay. Monthly groceries follow the same trend: $357 vs $468 – making Montreal the more affordable choice for daily food spending.

Good to know

🇨🇦 Montreal

🇸🇽 Simpson Bay

🕒 Local time

23:15 11:15 PM

00:15 12:15 AM

1 h ahead of Montreal

🌤 Weather

👥 Population

1,762,949

6,000

💱 Currency

Canadian Dollar CAD $

Netherlands Antillean Guilder ANG ƒ

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 ANG = 0.559 USD

1 ANG = 0.498 EUR

Exchange rates and currency converter

ANG, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

Netherlands Antillean Guilder exchange rates as of November 6, 2026: 1 USD = 1.79 ANG (1 ANG = 0.559 USD). 1 EUR = 2.01 ANG (1 ANG = 0.498 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Montreal Simpson Bay 3,200 km ≈ 4 h 30 min nonstop flight

From you

Montreal
Simpson Bay

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 Simpson Bay: Cost of Living - Frequently Asked Questions

Simpson Bay costs about 87% 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 $3,100 per month in Montreal and $5,784 in Simpson Bay. 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: a one-bedroom in the center costs $1,298 there versus $2,289 in Simpson Bay.

A mid-range dinner for two costs $73 in Montreal and $130 in Simpson Bay. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 31% more in Simpson Bay, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $2,067 in Montreal and $3,856 in Simpson Bay. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Montreal – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.