Last update: Oct 2026

Cost of Living Comparison Between Oak Harbor, WA and Montreal

For one person, living is cheaper in Montreal: $2,018 a month against $3,280 in Oak Harbor, WA, rent and utilities included – about $15,100 less a year. Rent and utilities account for most of the difference.

159

Cost of Living Index in Oak Harbor, WA
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Oak Harbor, WA Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Oak Harbor, WA

🇺🇸 United States

$3,280

/mo nomad

Montreal

🇨🇦 Canada

$2,018

/mo nomad

Monthly Cost of Living

How much you'll spend in Oak Harbor, WA and in Montreal

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Oak Harbor, WA and in Montreal actually costs, broken down by who's living it.

A single person spends $3,280 per month in Oak Harbor, WA vs $2,018 in Montreal, rent included.

Oak Harbor, WA $3,280
Montreal $2,018

A couple spends around $4,561 per month in Oak Harbor, WA vs $3,085 in Montreal, rent included.

Oak Harbor, WA $4,561
Montreal $3,085

A family of three spends $5,843 per month in Oak Harbor, WA vs $4,152 in Montreal, rent included.

Oak Harbor, WA $5,843
Montreal $4,152

Oak Harbor, WA costs about 63% more than Montreal, and outside of rent the biggest gap is in groceries.

Both Oak Harbor, WA and Montreal sit above the global median – Oak Harbor, WA by 143%, Montreal by 49%.

Meal at Budget Restaurant

$18.15 $18.15

$18.82 CA$26.61

-3.56%

Three-Course Dinner for Two, Mid-Range

$69.4 $69.4

$70.3 CA$99.4

-1.27%

Fast Food Meal (McDonalds, etc)

$18.78 $18.78

$10.66 CA$15.06

76.17%

Cappuccino

$5.40 $5.40

$3.84 CA$5.43

40.63%

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

$2.43 $2.43

$1.92 CA$2.71

26.56%

Water (0.33 liter bottle)

$1.58 $1.58

$1.54 CA$2.18

2.60%

Local Beer (0.5 liter draught)

$8.06 $8.06

$6.23 CA$8.81

29.37%

Imported Beer (0.33 liter bottle)

$7.29 $7.29

$7.10 CA$10.03

2.68%

Milk (1 liter)

$1.63 $1.63

$2.31 CA$3.27

-29.44%

White Bread (500g)

$4.59 $4.59

$3.14 CA$4.44

46.18%

Rice (white) (1kg)

$6.49 $6.49

$3.21 CA$4.54

102.18%

Eggs

$5.57 $5.57

$3.52 CA$4.97

58.24%

Local Cheese (1kg)

$20.14 $20.14

$12.81 CA$18.11

57.22%

Chicken Fillets (1kg)

$12.98 $12.98

$11.46 CA$16.20

13.26%

Beef Round Steak (1kg)

$24.75 $24.75

$13.39 CA$18.92

84.84%

Apples (1kg)

$8.01 $8.01

$3.14 CA$4.43

155.10%

Banana (1kg)

$1.32 $1.32

$1.44 CA$2.03

-8.33%

Oranges (1kg)

$6.90 $6.90

$3.47 CA$4.91

98.85%

Tomato (1kg)

$6.79 $6.79

$3.07 CA$4.34

121.17%

Potato (1kg)

$4.18 $4.18

$1.90 CA$2.69

120.00%

Onion (1kg)

$4.63 $4.63

$1.77 CA$2.50

161.58%

Lettuce (1 head)

$2.52 $2.52

$2.34 CA$3.31

7.69%

Water (1.5 liter bottle)

$2.22 $2.22

$1.55 CA$2.19

43.23%

Cigarettes 20 Pack (Marlboro, Camel)

$9.79 $9.79

$11.38 CA$16.09

-13.97%

Wine (Bottle)

$14.51 $14.51

$10.63 CA$15.03

36.50%

Local Beer (0.5 liter bottle)

$2.78 $2.78

$2.27 CA$3.21

22.47%

Imported Beer (0.33 liter bottle)

$3.94 $3.94

$2.82 CA$3.99

39.72%

One-way Ticket (Public Transport)

$2.02 $2.02

$2.66 CA$3.76

-24.06%

Public Transport Monthly Pass (Regular Price)

$29.85 $29.85

$77.3 CA$109

-61.38%

Taxi Start (Normal Tariff)

$3.26 $3.26

$3.20 CA$4.53

1.87%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$1.48 CA$2.09

3.38%

Taxi 1hour Waiting (Normal Tariff)

$29.59 $29.59

$32.88 CA$46.48

-10.01%

Gasoline (1 liter)

$1.16 $1.16

$1.34 CA$1.90

-13.43%

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

$36.0K $36.0K

$28.2K CA$39.8K

27.92%

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

$26.1K $26.1K

$19.6K CA$27.8K

32.95%

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

$378 $378

$76.0 CA$107

397.46%

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

$63.4 $63.4

$33.95 CA$48.00

86.86%

Internet (50+ Mbps, Unlimited Data)

$97.3 $97.3

$42.31 CA$59.8

130.06%

Gym Membership (Monthly)

$34.66 $34.66

$29.76 CA$42.07

16.47%

Tennis Court (1 Hour on Weekend)

$20.28 CA$28.67

Cinema Ticket

$14.76 $14.76

$11.15 CA$15.77

32.38%

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

$1,503 $1,503

$507 CA$717

196.49%

International Primary School, 1 Child (Yearly)

$23.0K $23.0K

$16.1K CA$22.7K

43.22%

Jeans (Levis 501 Or Similar)

$58.2 $58.2

$57.6 CA$81.4

1.16%

Summer Dress (H&M, Zara, etc)

$38.18 $38.18

$37.58 CA$53.1

1.60%

Sport Shoes (Adidas, Nike)

$132 $132

$91.9 CA$130

43.53%

Men's Leather Business Shoes

$195 $195

$110 CA$155

77.63%

1-bedroom Apartment, City Center (Monthly)

$2,343 $2,343

$1,260 CA$1,782

85.91%

1-bedroom Apartment, Outside City Center (Monthly)

$1,571 $1,571

$948 CA$1,340

65.84%

3-bedroom Apartment, City Center (Monthly)

$3,239 $3,239

$2,137 CA$3,021

51.59%

3-bedroom Apartment, Outside City Center (Monthly)

$2,344 $2,344

$1,614 CA$2,281

45.28%

Buy Apartment in City Center (m2)

$4,045 $4,045

$4,960 CA$7,011

-18.44%

Buy Apartment Outside City Center (m2)

$4,142 $4,142

$3,838 CA$5,425

7.93%

Average Monthly Net Salary (After Tax)

$3,295 $3,295

$2,827 CA$3,997

16.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

56.25%

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

Last update for Oak Harbor, WA: October 10, 2026

Last update for Montreal: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Oak Harbor, WA

$1.6K 47.9%

Montreal

$948 47% 39.7% $624

Monthly Utilities & Internet

Oak Harbor, WA

$539 16.4%

Montreal

$152 7.5% 71.7% $386

Groceries & Markets

Oak Harbor, WA

$529 16.1%

Montreal

$346 17.2% 34.5% $182

Eating Out

Oak Harbor, WA

$337 10.3%

Montreal

$288 14.3% 14.7% $49

Clothing & Footwear

Oak Harbor, WA

$190 5.8%

Montreal

$133 6.6% 29.9% $57

Sport & Entertainment

Oak Harbor, WA

$64 2%

Montreal

$52 2.6% 18.9% $12

Getting Around

Oak Harbor, WA

$49 1.5%

Montreal

$99 4.9% 102% $50

Cost Breakdown

A central one-bedroom costs $2,343 in Oak Harbor, WA versus $1,260 in Montreal. 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 17% higher in Oak Harbor, WA, 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 $69.0 in Oak Harbor, WA versus $70.0 in Montreal. Groceries tell a different story – $529 in Oak Harbor, WA vs $346 in Montreal – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Oak Harbor, WA

🇨🇦 Montreal

🕒 Local time

10:41 10:41 AM

13:41 1:41 PM

3 h ahead of Oak Harbor, WA

🌤 Weather

👥 Population

24,622

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.889 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

Canadian Dollar exchange rates as of October 17, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

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Oak Harbor, WA Montreal 3,680 km ≈ 5 h nonstop flight

From you

Oak Harbor, WA
Montreal

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

Oak Harbor, WA vs Montreal: Cost of Living - Frequently Asked Questions

Oak Harbor, WA costs about 63% 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 $4,919 per month in Oak Harbor, WA and $3,027 in Montreal. 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.

Groceries cost about 53% more in Oak Harbor, WA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $69.0 in Oak Harbor, WA and $70.0 in Montreal. 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 $2,018, than in Oak Harbor, WA at $3,280. In Montreal it covers expenses comfortably, while in Oak Harbor, WA it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,018 versus $3,280 in Oak Harbor, WA. 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, Oak Harbor, WA makes more sense. Both are solid long-term options with distinct trade-offs.