Last update: Oct 2026

Cost of Living Comparison Between Montreal and Whitby, ON

For one person, living is cheaper in Montreal: $2,064 a month against $2,856 in Whitby, ON, rent and utilities included – about $9,500 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
138

Cost of Living Index in Whitby, ON
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Whitby, ON Living Index

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Montreal

🇨🇦 Canada

$2,064

/mo nomad

Whitby, ON

🇨🇦 Canada

$2,856

/mo nomad

Monthly Cost of Living

How much you'll spend in Montreal and in Whitby, ON

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 Whitby, ON actually costs, broken down by who's living it.

A single person spends $2,064 per month in Montreal vs $2,856 in Whitby, ON, rent included.

Montreal $2,064
Whitby, ON $2,856

A couple spends around $3,156 per month in Montreal vs $3,892 in Whitby, ON, rent included.

Montreal $3,156
Whitby, ON $3,892

A family of three spends $4,247 per month in Montreal vs $4,928 in Whitby, ON, rent included.

Montreal $4,247
Whitby, ON $4,928

Montreal is about 28% cheaper than Whitby, ON, and outside of rent the biggest gap is in groceries.

Both Montreal and Whitby, ON sit above the global median – Montreal by 52%, Whitby, ON by 110%.

Meal at Budget Restaurant

$18.98 CA$26.53

$14.00 CA$19.57

35.57%

Three-Course Dinner for Two, Mid-Range

$73.0 CA$102

$71.9 CA$100

1.52%

Fast Food Meal (McDonalds, etc)

$10.88 CA$15.20

$8.57 CA$11.98

26.95%

Cappuccino

$3.81 CA$5.33

$3.52 CA$4.92

8.24%

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

$1.39 CA$1.95

13.67%

Local Beer (0.5 liter draught)

$6.37 CA$8.90

$5.79 CA$8.09

10.02%

Imported Beer (0.33 liter bottle)

$7.26 CA$10.15

$6.44 CA$9.00

12.73%

Milk (1 liter)

$2.23 CA$3.11

$2.58 CA$3.61

-13.57%

White Bread (500g)

$3.17 CA$4.44

$2.82 CA$3.94

12.41%

Rice (white) (1kg)

$3.31 CA$4.62

$4.24 CA$5.92

-21.93%

Eggs

$3.63 CA$5.07

$4.34 CA$6.07

-16.36%

Local Cheese (1kg)

$13.16 CA$18.39

$10.12 CA$14.14

30.04%

Chicken Fillets (1kg)

$11.56 CA$16.15

$11.89 CA$16.62

-2.78%

Beef Round Steak (1kg)

$13.71 CA$19.16

$16.40 CA$22.92

-16.40%

Apples (1kg)

$3.29 CA$4.60

$4.32 CA$6.04

-23.84%

Banana (1kg)

$1.46 CA$2.04

$1.85 CA$2.58

-21.08%

Oranges (1kg)

$3.37 CA$4.71

$3.13 CA$4.37

7.67%

Tomato (1kg)

$3.15 CA$4.40

$3.74 CA$5.22

-15.78%

Potato (1kg)

$1.89 CA$2.64

$3.46 CA$4.83

-45.38%

Onion (1kg)

$1.79 CA$2.51

$2.73 CA$3.81

-34.43%

Lettuce (1 head)

$2.47 CA$3.45

$2.25 CA$3.15

9.78%

Water (1.5 liter bottle)

$1.58 CA$2.21

$1.74 CA$2.43

-9.20%

Cigarettes 20 Pack (Marlboro, Camel)

$11.28 CA$15.77

$14.46 CA$20.21

-21.99%

Wine (Bottle)

$10.49 CA$14.66

$12.70 CA$17.74

-17.40%

Local Beer (0.5 liter bottle)

$2.34 CA$3.26

$3.59 CA$5.01

-34.82%

Imported Beer (0.33 liter bottle)

$2.91 CA$4.07

$3.49 CA$4.88

-16.62%

One-way Ticket (Public Transport)

$2.61 CA$3.65

$5.50 CA$7.68

-52.55%

Public Transport Monthly Pass (Regular Price)

$79.1 CA$111

$85.9 CA$120

-7.85%

Taxi Start (Normal Tariff)

$3.26 CA$4.56

$3.60 CA$5.04

-9.44%

Taxi (Normal Tariff) (1km)

$1.44 CA$2.01

$0.73 CA$1.03

97.26%

Taxi 1hour Waiting (Normal Tariff)

$33.43 CA$46.71

$18.02 CA$25.17

85.52%

Gasoline (1 liter)

$1.33 CA$1.86

$1.15 CA$1.61

15.65%

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

$28.6K CA$40.0K

$28.2K CA$39.5K

1.39%

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

$21.1K CA$29.5K

$21.7K CA$30.4K

-2.95%

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

$80.1 CA$112

$139 CA$194

-42.27%

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

$34.30 CA$47.93

$38.42 CA$53.7

-10.72%

Internet (50+ Mbps, Unlimited Data)

$42.85 CA$59.9

$53.2 CA$74.3

-19.45%

Gym Membership (Monthly)

$31.14 CA$43.52

$47.76 CA$66.7

-34.80%

Tennis Court (1 Hour on Weekend)

$19.41 CA$27.12

Cinema Ticket

$11.23 CA$15.69

$9.78 CA$13.66

14.83%

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

$525 CA$734

$907 CA$1,267

-42.10%

International Primary School, 1 Child (Yearly)

$16.3K CA$22.8K

$16.7K CA$23.3K

-2.08%

Jeans (Levis 501 Or Similar)

$58.0 CA$81.0

$57.9 CA$80.9

0.19%

Summer Dress (H&M, Zara, etc)

$38.11 CA$53.3

$57.6 CA$80.4

-33.79%

Sport Shoes (Adidas, Nike)

$93.4 CA$131

$107 CA$149

-12.64%

Men's Leather Business Shoes

$110 CA$154

$131 CA$183

-15.89%

1-bedroom Apartment, City Center (Monthly)

$1,285 CA$1,796

$1,773 CA$2,478

-27.53%

1-bedroom Apartment, Outside City Center (Monthly)

$977 CA$1,365

$1,661 CA$2,320

-41.18%

3-bedroom Apartment, City Center (Monthly)

$2,271 CA$3,173

$2,343 CA$3,274

-3.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,665 CA$2,326

$2,212 CA$3,091

-24.73%

Buy Apartment in City Center (m2)

$5,139 CA$7,181

$7,548 CA$10.5K

-31.92%

Buy Apartment Outside City Center (m2)

$3,834 CA$5,358

$5,092 CA$7,115

-24.69%

Average Monthly Net Salary (After Tax)

$3,002 CA$4,195

$3,128 CA$4,371

-4.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

5.26

-14.83%

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

Last update for Montreal: October 25, 2026

Last update for Whitby, ON: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Montreal

$977 47.3%

Whitby, ON

$1.7K 58.2% 70% $684

Groceries & Markets

Montreal

$351 17%

Whitby, ON

$387 13.6% 10.3% $36

Eating Out

Montreal

$291 14.1%

Whitby, ON

$236 8.3% 18.9% $55

Monthly Utilities & Internet

Montreal

$157 7.6%

Whitby, ON

$230 8.1% 46.5% $73

Clothing & Footwear

Montreal

$135 6.5%

Whitby, ON

$159 5.6% 17.9% $24

Getting Around

Montreal

$100 4.9%

Whitby, ON

$115 4% 15.1% $15

Sport & Entertainment

Montreal

$54 2.6%

Whitby, ON

$67 2.4% 25.6% $14

Cost Breakdown

A central one-bedroom costs $1,285 in Montreal versus $1,773 in Whitby, ON. 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 4% higher in Whitby, ON, 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 in Montreal versus $72 in Whitby, ON. Groceries tell a different story – $351 in Montreal vs $387 in Whitby, ON – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Montreal

🇨🇦 Whitby, ON

🕒 Local time

01:32 1:32 AM

Same time as Montreal

🌤 Weather

👥 Population

1,762,949

128,377

💱 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

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Montreal Whitby, ON 460 km

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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 Whitby, ON: Cost of Living - Frequently Asked Questions

Whitby, ON costs about 38% 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 $4,283 in Whitby, ON. 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 $1,285 there versus $1,773 in Whitby, ON.

Public transport costs about 8% less in Montreal. For daily commuters, that gap adds up to noticeable savings over a year.

Groceries cost about 10% more in Whitby, ON, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $2,064 in Montreal and $2,856 in Whitby, ON. 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.

If budget matters most, go with Montreal. If higher salaries or specific career opportunities are the priority, Whitby, ON makes more sense. Both are solid long-term options with distinct trade-offs.