Last update: Oct 2026

Cost of Living Comparison Between Montreal and St. Thomas, Canada

Name: St. Thomas
Address: St. Thomas, CA

For one person, living is cheaper in Montreal: $2,064 a month against $2,436 in St. Thomas, rent and utilities included – about $4,500 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
111

Cost of Living Index in St. Thomas
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St. Thomas Living Index

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Montreal

🇨🇦 Canada

$2,064

/mo nomad

St. Thomas

🇨🇦 Canada

$2,436

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal and in St. Thomas

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 St. Thomas actually costs, broken down by who's living it.

A single person spends $2,064 per month in Montreal vs $2,436 in St. Thomas, rent included.

Montreal $2,064
St. Thomas $2,436

A couple spends around $3,156 per month in Montreal vs $3,399 in St. Thomas, rent included.

Montreal $3,156
St. Thomas $3,399

A family of three spends $4,247 per month in Montreal vs $4,363 in St. Thomas, rent included.

Montreal $4,247
St. Thomas $4,363

Montreal is about 15% cheaper than St. Thomas, and outside of rent the biggest gap is in groceries.

Both Montreal and St. Thomas sit above the global median – Montreal by 52%, St. Thomas by 79%.

Meal at Budget Restaurant

$18.98 CA$26.53

$21.56 CA$30.13

-11.97%

Three-Course Dinner for Two, Mid-Range

$73.0 CA$102

$63.6 CA$88.9

14.68%

Fast Food Meal (McDonalds, etc)

$10.88 CA$15.20

$11.22 CA$15.67

-3.03%

Cappuccino

$3.81 CA$5.33

$3.45 CA$4.82

10.43%

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

$1.94 CA$2.71

$2.11 CA$2.95

-8.06%

Water (0.33 liter bottle)

$1.58 CA$2.21

$1.63 CA$2.28

-3.07%

Local Beer (0.5 liter draught)

$6.37 CA$8.90

$4.85 CA$6.77

31.34%

Imported Beer (0.33 liter bottle)

$7.26 CA$10.15

$6.15 CA$8.59

18.05%

Milk (1 liter)

$2.23 CA$3.11

$2.22 CA$3.10

0.45%

White Bread (500g)

$3.17 CA$4.44

$2.76 CA$3.85

14.86%

Rice (white) (1kg)

$3.31 CA$4.62

$3.78 CA$5.28

-12.43%

Eggs

$3.63 CA$5.07

$3.27 CA$4.57

11.01%

Local Cheese (1kg)

$13.16 CA$18.39

$10.05 CA$14.04

30.95%

Chicken Fillets (1kg)

$11.56 CA$16.15

$15.80 CA$22.07

-26.84%

Beef Round Steak (1kg)

$13.71 CA$19.16

$19.72 CA$27.56

-30.48%

Apples (1kg)

$3.29 CA$4.60

$4.10 CA$5.73

-19.76%

Banana (1kg)

$1.46 CA$2.04

$1.28 CA$1.78

14.06%

Oranges (1kg)

$3.37 CA$4.71

$3.65 CA$5.10

-7.67%

Tomato (1kg)

$3.15 CA$4.40

$4.06 CA$5.68

-22.41%

Potato (1kg)

$1.89 CA$2.64

$3.30 CA$4.61

-42.73%

Onion (1kg)

$1.79 CA$2.51

$3.06 CA$4.27

-41.50%

Lettuce (1 head)

$2.47 CA$3.45

$2.87 CA$4.01

-13.94%

Water (1.5 liter bottle)

$1.58 CA$2.21

$1.55 CA$2.17

1.94%

Cigarettes 20 Pack (Marlboro, Camel)

$11.28 CA$15.77

$11.23 CA$15.70

0.45%

Wine (Bottle)

$10.49 CA$14.66

$12.51 CA$17.48

-16.15%

Local Beer (0.5 liter bottle)

$2.34 CA$3.26

$2.52 CA$3.52

-7.14%

Imported Beer (0.33 liter bottle)

$2.91 CA$4.07

$2.91 CA$4.06

One-way Ticket (Public Transport)

$2.61 CA$3.65

$2.19 CA$3.06

19.18%

Public Transport Monthly Pass (Regular Price)

$79.1 CA$111

$68.2 CA$95.2

16.11%

Taxi Start (Normal Tariff)

$3.26 CA$4.56

$2.38 CA$3.32

36.97%

Taxi (Normal Tariff) (1km)

$1.44 CA$2.01

$1.66 CA$2.32

-13.25%

Taxi 1hour Waiting (Normal Tariff)

$33.43 CA$46.71

$22.83 CA$31.91

46.43%

Gasoline (1 liter)

$1.33 CA$1.86

$1.17 CA$1.64

13.68%

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

$28.6K CA$40.0K

$27.0K CA$37.8K

5.96%

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

$21.1K CA$29.5K

$23.1K CA$32.2K

-8.46%

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

$80.1 CA$112

$126 CA$176

-36.40%

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

$34.30 CA$47.93

$42.99 CA$60.1

-20.21%

Internet (50+ Mbps, Unlimited Data)

$42.85 CA$59.9

$57.4 CA$80.2

-25.30%

Gym Membership (Monthly)

$31.14 CA$43.52

$39.32 CA$55.0

-20.80%

Tennis Court (1 Hour on Weekend)

$19.41 CA$27.12

$17.06 CA$23.84

13.77%

Cinema Ticket

$11.23 CA$15.69

$10.65 CA$14.88

5.45%

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

$525 CA$734

$421 CA$588

24.68%

International Primary School, 1 Child (Yearly)

$16.3K CA$22.8K

$17.3K CA$24.2K

-5.77%

Jeans (Levis 501 Or Similar)

$58.0 CA$81.0

$53.9 CA$75.4

7.55%

Summer Dress (H&M, Zara, etc)

$38.11 CA$53.3

$36.85 CA$51.5

3.42%

Sport Shoes (Adidas, Nike)

$93.4 CA$131

$82.4 CA$115

13.33%

Men's Leather Business Shoes

$110 CA$154

$90.4 CA$126

21.87%

1-bedroom Apartment, City Center (Monthly)

$1,285 CA$1,796

$1,163 CA$1,625

10.51%

1-bedroom Apartment, Outside City Center (Monthly)

$977 CA$1,365

$1,245 CA$1,740

-21.57%

3-bedroom Apartment, City Center (Monthly)

$2,271 CA$3,173

$2,276 CA$3,180

-0.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,665 CA$2,326

$1,659 CA$2,319

0.33%

Buy Apartment in City Center (m2)

$5,139 CA$7,181

$4,403 CA$6,152

16.72%

Buy Apartment Outside City Center (m2)

$3,834 CA$5,358

$3,575 CA$4,996

7.24%

Average Monthly Net Salary (After Tax)

$3,002 CA$4,195

$3,004 CA$4,197

-0.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

4.99

-10.22%

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

Last update for Montreal: October 25, 2026

Last update for St. Thomas: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$977 47.3%

St. Thomas

$1.2K 51.1% 27.5% $269

Groceries & Markets

Montreal

$351 17%

St. Thomas

$399 16.4% 13.6% $48

Eating Out

Montreal

$291 14.1%

St. Thomas

$299 12.3% 2.9% $8.3

Monthly Utilities & Internet

Montreal

$157 7.6%

St. Thomas

$226 9.3% 43.9% $69

Clothing & Footwear

Montreal

$135 6.5%

St. Thomas

$119 4.9% 12% $16

Getting Around

Montreal

$100 4.9%

St. Thomas

$88 3.6% 12.4% $12

Sport & Entertainment

Montreal

$54 2.6%

St. Thomas

$61 2.5% 13.1% $7

Cost Breakdown

A central one-bedroom costs $1,285 in Montreal versus $1,163 in St. Thomas. 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 $64 in St. Thomas. Groceries tell a different story – $351 in Montreal vs $399 in St. Thomas – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Montreal

🇨🇦 St. Thomas

🕒 Local time

16:53 4:53 PM

Same time as Montreal

🌤 Weather

👥 Population

1,762,949

38,909

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

Exchange rates and currency converter

On the map

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Between locations

Montreal St. Thomas 680 km ≈ 1 h 15 min nonstop flight

From you

Montreal
St. Thomas

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 St. Thomas: Cost of Living - Frequently Asked Questions

St. Thomas costs about 18% 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 $3,096 per month in Montreal and $3,654 in St. Thomas. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in St. Thomas, especially for central apartments: a one-bedroom in the center costs $1,163 there versus $1,285 in Montreal.

Groceries cost about 14% more in St. Thomas, though the gap depends on what you buy.

A mid-range dinner for two costs $73 in Montreal and $64 in St. Thomas. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,064 in Montreal and $2,436 in St. Thomas. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Montreal has an edge in some lifestyle areas, with costs from $2,064 in Montreal to $2,436 in St. Thomas. Climate, culture, job market, and personal taste all factor in.