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

Monthly Cost of Living

A single person spends $2,088 per month in Montreal vs $2,320 in St. Thomas, rent included.

A couple spends around $3,123 per month in Montreal vs $3,337 in St. Thomas, rent included.

A family of three spends $4,157 per month in Montreal vs $4,355 in St. Thomas, rent included.

Montreal is about 10% cheaper than St. Thomas, driven mainly by Groceries & Markets.

Both Montreal and St. Thomas sit above the global median – Montreal by 56%, St. Thomas by 73%.

Meal at Budget Restaurant

$15.89 CA$21.77

$20.29 CA$27.80

-21.69%

Three-Course Dinner for Two, Mid-Range

$74.7 CA$102

$75.1 CA$103

-0.43%

Fast Food Meal (McDonalds, etc)

$10.83 CA$14.83

$11.52 CA$15.78

-5.99%

Cappuccino

$3.80 CA$5.21

$3.48 CA$4.77

9.20%

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

$2.10 CA$2.88

$1.82 CA$2.50

15.38%

Water (0.33 liter bottle)

$1.51 CA$2.08

$1.74 CA$2.38

-13.22%

Local Beer (0.5 liter draught)

$6.09 CA$8.34

$5.22 CA$7.15

16.67%

Imported Beer (0.33 liter bottle)

$6.48 CA$8.88

$5.83 CA$7.98

11.15%

Milk (1 liter)

$2.32 CA$3.18

$2.02 CA$2.76

14.85%

White Bread (500g)

$3.26 CA$4.47

$2.67 CA$3.66

22.10%

Rice (white) (1kg)

$3.79 CA$5.19

$3.27 CA$4.48

15.90%

Eggs

$3.46 CA$4.73

$3.08 CA$4.22

12.34%

Local Cheese (1kg)

$16.07 CA$22.02

$9.50 CA$13.01

69.16%

Chicken Fillets (1kg)

$11.78 CA$16.14

$11.38 CA$15.59

3.51%

Beef Round Steak (1kg)

$15.13 CA$20.73

$15.56 CA$21.32

-2.76%

Apples (1kg)

$3.74 CA$5.12

$4.01 CA$5.49

-6.73%

Banana (1kg)

$1.71 CA$2.34

$1.24 CA$1.69

37.90%

Oranges (1kg)

$3.92 CA$5.37

$3.33 CA$4.56

17.72%

Tomato (1kg)

$4.28 CA$5.87

$3.74 CA$5.12

14.44%

Potato (1kg)

$2.74 CA$3.75

$2.99 CA$4.09

-8.36%

Onion (1kg)

$2.64 CA$3.62

$2.52 CA$3.45

4.76%

Lettuce (1 head)

$2.28 CA$3.13

$2.30 CA$3.16

-0.87%

Water (1.5 liter bottle)

$1.71 CA$2.34

$1.48 CA$2.03

15.54%

Cigarettes 20 Pack (Marlboro, Camel)

$13.39 CA$18.35

$10.85 CA$14.87

23.41%

Wine (Bottle)

$10.95 CA$15.00

$13.11 CA$17.96

-16.48%

Local Beer (0.5 liter bottle)

$3.00 CA$4.11

$2.08 CA$2.84

44.23%

Imported Beer (0.33 liter bottle)

$3.60 CA$4.94

$2.48 CA$3.40

45.16%

One-way Ticket (Public Transport)

$2.82 CA$3.86

$2.40 CA$3.28

17.50%

Public Transport Monthly Pass (Regular Price)

$75.1 CA$103

$63.5 CA$87.0

18.29%

Taxi Start (Normal Tariff)

$3.52 CA$4.82

$2.29 CA$3.14

53.71%

Taxi (Normal Tariff) (1km)

$1.46 CA$2.00

$1.75 CA$2.39

-16.57%

Taxi 1hour Waiting (Normal Tariff)

$34.29 CA$46.97

$30.76 CA$42.15

11.48%

Gasoline (1 liter)

$1.19 CA$1.63

$1.10 CA$1.51

8.18%

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

$25.1K CA$34.3K

$25.3K CA$34.6K

-0.77%

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

$21.9K CA$30.0K

$20.2K CA$27.6K

8.66%

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

$74.7 CA$102

$135 CA$184

-44.52%

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

$35.83 CA$49.09

$54.1 CA$74.2

-33.82%

Internet (50+ Mbps, Unlimited Data)

$43.53 CA$59.6

$56.9 CA$77.9

-23.46%

Gym Membership (Monthly)

$43.06 CA$59.0

$41.82 CA$57.3

2.97%

Tennis Court (1 Hour on Weekend)

$16.90 CA$23.15

Cinema Ticket

$11.10 CA$15.21

$11.18 CA$15.31

-0.72%

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

$609 CA$834

$559 CA$766

8.84%

International Primary School, 1 Child (Yearly)

$5,925 CA$8,117

$11.0K CA$15.0K

-46.06%

Jeans (Levis 501 Or Similar)

$62.8 CA$86.0

$54.9 CA$75.2

14.32%

Summer Dress (H&M, Zara, etc)

$44.85 CA$61.5

$38.10 CA$52.2

17.72%

Sport Shoes (Adidas, Nike)

$101 CA$138

$84.5 CA$116

19.46%

Men's Leather Business Shoes

$118 CA$162

$80.7 CA$111

46.46%

1-bedroom Apartment, City Center (Monthly)

$1,221 CA$1,673

$1,183 CA$1,621

3.18%

1-bedroom Apartment, Outside City Center (Monthly)

$955 CA$1,308

$1,158 CA$1,586

-17.55%

3-bedroom Apartment, City Center (Monthly)

$2,105 CA$2,883

$2,032 CA$2,784

3.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,600 CA$2,192

$1,846 CA$2,529

-13.32%

Buy Apartment in City Center (m2)

$5,308 CA$7,272

$4,827 CA$6,612

9.98%

Buy Apartment Outside City Center (m2)

$4,045 CA$5,542

$3,741 CA$5,124

8.14%

Average Monthly Net Salary (After Tax)

$3,031 CA$4,152

$3,019 CA$4,136

0.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.01

6.55

-23.51%

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

Last update for Montreal: April 27, 2026

Last update for St. Thomas: April 27, 2026

Cost Breakdown

A central one-bedroom costs $1,221 in Montreal versus $1,183 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.

Salaries run about 0% higher in Montreal, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $75.0 in Montreal versus $75.0 in St. Thomas. Groceries tell a different story – $391 in Montreal vs $346 in St. Thomas – so St. Thomas wins on supermarket bills even if dining out costs more.

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 11% more than Montreal, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,132 per month in Montreal and $3,480 in St. Thomas. 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 13% cheaper in St. Thomas – 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 $75.0 in Montreal and $75.0 in St. Thomas. 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 $2,088, than in St. Thomas at $2,320. In Montreal it covers expenses comfortably, while in St. Thomas it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,088 versus $2,320 in St. Thomas. 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, St. Thomas makes more sense. Both are solid long-term options with distinct trade-offs.