Last update: Oct 2026

Cost of Living Comparison Between Oak Harbor, WA and Toronto

For one person, living is cheaper in Toronto: $2,561 a month against $3,280 in Oak Harbor, WA, rent and utilities included – about $8,600 less a year. Rent and utilities account for most of the difference.

159

Cost of Living Index in Oak Harbor, WA
Learn more

Oak Harbor, WA Living Index
125

Cost of Living Index in Toronto
Learn more

Toronto Living Index

Jump to prices

Oak Harbor, WA

🇺🇸 United States

$3,280

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $3,280 in Oak Harbor, WA versus $2,561 in Toronto.

Oak Harbor, WA $3,280
Toronto $2,561

Estimated couple costs with rent: $4,561 in Oak Harbor, WA versus $3,694 in Toronto.

Oak Harbor, WA $4,561
Toronto $3,694

Monthly costs for a family of three with rent: $5,843 in Oak Harbor, WA versus $4,826 in Toronto.

Oak Harbor, WA $5,843
Toronto $4,826

Living in Oak Harbor, WA is roughly 28% more expensive than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Oak Harbor, WA 143% above, Toronto 90% above.

Meal at Budget Restaurant

$18.15 $18.15

$17.18 CA$24.29

5.65%

Three-Course Dinner for Two, Mid-Range

$69.4 $69.4

$76.0 CA$107

-8.65%

Fast Food Meal (McDonalds, etc)

$18.78 $18.78

$10.54 CA$14.89

78.18%

Cappuccino

$5.40 $5.40

$4.02 CA$5.68

34.33%

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

$2.43 $2.43

$2.12 CA$3.00

14.62%

Water (0.33 liter bottle)

$1.58 $1.58

$1.75 CA$2.48

-9.71%

Local Beer (0.5 liter draught)

$8.06 $8.06

$6.24 CA$8.83

29.17%

Imported Beer (0.33 liter bottle)

$7.29 $7.29

$7.09 CA$10.02

2.82%

Milk (1 liter)

$1.63 $1.63

$2.44 CA$3.45

-33.20%

White Bread (500g)

$4.59 $4.59

$2.68 CA$3.78

71.27%

Rice (white) (1kg)

$6.49 $6.49

$2.24 CA$3.17

189.73%

Eggs

$5.57 $5.57

$3.56 CA$5.03

56.46%

Local Cheese (1kg)

$20.14 $20.14

$9.09 CA$12.85

121.56%

Chicken Fillets (1kg)

$12.98 $12.98

$11.33 CA$16.01

14.56%

Beef Round Steak (1kg)

$24.75 $24.75

$14.53 CA$20.55

70.34%

Apples (1kg)

$8.01 $8.01

$3.62 CA$5.12

121.27%

Banana (1kg)

$1.32 $1.32

$1.21 CA$1.72

9.09%

Oranges (1kg)

$6.90 $6.90

$3.60 CA$5.09

91.67%

Tomato (1kg)

$6.79 $6.79

$4.21 CA$5.96

61.28%

Potato (1kg)

$4.18 $4.18

$1.79 CA$2.53

133.52%

Onion (1kg)

$4.63 $4.63

$1.59 CA$2.25

191.19%

Lettuce (1 head)

$2.52 $2.52

$2.27 CA$3.21

11.01%

Water (1.5 liter bottle)

$2.22 $2.22

$1.25 CA$1.77

77.60%

Cigarettes 20 Pack (Marlboro, Camel)

$9.79 $9.79

$13.82 CA$19.53

-29.16%

Wine (Bottle)

$14.51 $14.51

$14.27 CA$20.18

1.68%

Local Beer (0.5 liter bottle)

$2.78 $2.78

$2.20 CA$3.10

26.36%

Imported Beer (0.33 liter bottle)

$3.94 $3.94

$2.43 CA$3.44

62.14%

One-way Ticket (Public Transport)

$2.02 $2.02

$2.39 CA$3.38

-15.48%

Public Transport Monthly Pass (Regular Price)

$29.85 $29.85

$111 CA$157

-73.09%

Taxi Start (Normal Tariff)

$3.26 $3.26

$2.91 CA$4.12

12.03%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$1.20 CA$1.69

27.50%

Taxi 1hour Waiting (Normal Tariff)

$29.59 $29.59

$21.38 CA$30.23

38.40%

Gasoline (1 liter)

$1.16 $1.16

$1.21 CA$1.71

-4.13%

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

$36.0K $36.0K

$28.2K CA$39.8K

27.82%

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

$26.1K $26.1K

$20.3K CA$28.6K

28.85%

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

$378 $378

$120 CA$170

213.98%

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

$63.4 $63.4

$32.26 CA$45.60

96.65%

Internet (50+ Mbps, Unlimited Data)

$97.3 $97.3

$47.93 CA$67.8

103.09%

Gym Membership (Monthly)

$34.66 $34.66

$38.48 CA$54.4

-9.93%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$14.76 $14.76

$12.38 CA$17.50

19.22%

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

$1,503 $1,503

$830 CA$1,173

81.15%

International Primary School, 1 Child (Yearly)

$23.0K $23.0K

$23.1K CA$32.6K

-0.44%

Jeans (Levis 501 Or Similar)

$58.2 $58.2

$50.7 CA$71.7

14.81%

Summer Dress (H&M, Zara, etc)

$38.18 $38.18

$40.02 CA$56.6

-4.60%

Sport Shoes (Adidas, Nike)

$132 $132

$98.0 CA$139

34.63%

Men's Leather Business Shoes

$195 $195

$121 CA$171

61.33%

1-bedroom Apartment, City Center (Monthly)

$2,343 $2,343

$1,592 CA$2,251

47.17%

1-bedroom Apartment, Outside City Center (Monthly)

$1,571 $1,571

$1,410 CA$1,994

11.42%

3-bedroom Apartment, City Center (Monthly)

$3,239 $3,239

$2,670 CA$3,775

21.32%

3-bedroom Apartment, Outside City Center (Monthly)

$2,344 $2,344

$2,152 CA$3,042

8.96%

Buy Apartment in City Center (m2)

$4,045 $4,045

$7,945 CA$11.2K

-49.09%

Buy Apartment Outside City Center (m2)

$4,142 $4,142

$6,542 CA$9,249

-36.69%

Average Monthly Net Salary (After Tax)

$3,295 $3,295

$3,727 CA$5,269

-11.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

56.60%

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 Toronto: 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%

Toronto

$1.4K 55.1% 10.2% $161

Monthly Utilities & Internet

Oak Harbor, WA

$539 16.4%

Toronto

$201 7.8% 62.8% $338

Groceries & Markets

Oak Harbor, WA

$529 16.1%

Toronto

$340 13.3% 35.8% $189

Eating Out

Oak Harbor, WA

$337 10.3%

Toronto

$278 10.9% 17.5% $59

Clothing & Footwear

Oak Harbor, WA

$190 5.8%

Toronto

$139 5.4% 26.9% $51

Sport & Entertainment

Oak Harbor, WA

$64 2%

Toronto

$63 2.5% 1.5% $1

Getting Around

Oak Harbor, WA

$49 1.5%

Toronto

$129 5.1% 165% $81

Cost Breakdown

A one-bedroom apartment in the center runs $2,343 in Oak Harbor, WA and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $69.0 in Oak Harbor, WA vs $76.0 in Toronto. Groceries flip the comparison at $529 vs $340, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Oak Harbor, WA

🇨🇦 Toronto

🕒 Local time

07:46 7:46 AM

10:46 10:46 AM

3 h ahead of Oak Harbor, WA

🌤 Weather

👥 Population

24,622

2,731,571

💱 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 →

On the map

Lowest

Highest

Between locations

Oak Harbor, WA Toronto 3,340 km ≈ 4 h 45 min nonstop flight

From you

Oak Harbor, WA
Toronto

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 Toronto: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 28% lower than in Oak Harbor, WA. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

On paper, salaries run 13% lower in Toronto. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $2,343 in Oak Harbor, WA versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 56% higher in Oak Harbor, WA. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Toronto – a meal for two runs $76.0 versus $69.0 in Oak Harbor, WA. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Oak Harbor, WA and Toronto are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Toronto gentler on the wallet – expenses run 28% less than in Oak Harbor, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.