Last update: Oct 2026

Cost of Living Comparison Between Owensboro, KY and Toronto

For one person, living is cheaper in Owensboro, KY: $1,990 a month against $2,561 in Toronto, rent and utilities included – about $6,900 less a year. Rent and utilities account for most of the difference.

96

Cost of Living Index in Owensboro, KY
Learn more

Owensboro, KY Living Index
125

Cost of Living Index in Toronto
Learn more

Toronto Living Index

Jump to prices

Owensboro, KY

🇺🇸 United States

$1,990

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

How much you'll spend in Owensboro, KY 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 Owensboro, KY and in Toronto actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,990 in Owensboro, KY versus $2,561 in Toronto.

Owensboro, KY $1,990
Toronto $2,561

Estimated couple costs with rent: $2,922 in Owensboro, KY versus $3,694 in Toronto.

Owensboro, KY $2,922
Toronto $3,694

Monthly costs for a family of three with rent: $3,855 in Owensboro, KY versus $4,826 in Toronto.

Owensboro, KY $3,855
Toronto $4,826

Living in Owensboro, KY costs roughly 22% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Owensboro, KY 47% above, Toronto 90% above.

Meal at Budget Restaurant

$19.67 $19.67

$17.18 CA$24.29

14.49%

Three-Course Dinner for Two, Mid-Range

$60.8 $60.8

$76.0 CA$107

-19.94%

Fast Food Meal (McDonalds, etc)

$10.19 $10.19

$10.54 CA$14.89

-3.32%

Cappuccino

$5.39 $5.39

$4.02 CA$5.68

34.08%

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

$1.93 $1.93

$2.12 CA$3.00

-8.96%

Water (0.33 liter bottle)

$1.32 $1.32

$1.75 CA$2.48

-24.57%

Local Beer (0.5 liter draught)

$4.09 $4.09

$6.24 CA$8.83

-34.46%

Imported Beer (0.33 liter bottle)

$4.95 $4.95

$7.09 CA$10.02

-30.18%

Milk (1 liter)

$0.80 $0.80

$2.44 CA$3.45

-67.21%

White Bread (500g)

$3.20 $3.20

$2.68 CA$3.78

19.40%

Rice (white) (1kg)

$4.49 $4.49

$2.24 CA$3.17

100.45%

Eggs

$2.93 $2.93

$3.56 CA$5.03

-17.70%

Local Cheese (1kg)

$6.65 $6.65

$9.09 CA$12.85

-26.84%

Chicken Fillets (1kg)

$11.15 $11.15

$11.33 CA$16.01

-1.59%

Beef Round Steak (1kg)

$12.01 $12.01

$14.53 CA$20.55

-17.34%

Apples (1kg)

$4.44 $4.44

$3.62 CA$5.12

22.65%

Banana (1kg)

$1.23 $1.23

$1.21 CA$1.72

1.65%

Oranges (1kg)

$2.70 $2.70

$3.60 CA$5.09

-25.00%

Tomato (1kg)

$3.61 $3.61

$4.21 CA$5.96

-14.25%

Potato (1kg)

$2.24 $2.24

$1.79 CA$2.53

25.14%

Onion (1kg)

$2.25 $2.25

$1.59 CA$2.25

41.51%

Lettuce (1 head)

$1.98 $1.98

$2.27 CA$3.21

-12.78%

Water (1.5 liter bottle)

$1.46 $1.46

$1.25 CA$1.77

16.80%

Cigarettes 20 Pack (Marlboro, Camel)

$8.87 $8.87

$13.82 CA$19.53

-35.82%

Wine (Bottle)

$7.82 $7.82

$14.27 CA$20.18

-45.20%

Local Beer (0.5 liter bottle)

$1.90 $1.90

$2.20 CA$3.10

-13.64%

Imported Beer (0.33 liter bottle)

$5.08 $5.08

$2.43 CA$3.44

109.05%

One-way Ticket (Public Transport)

$1.02 $1.02

$2.39 CA$3.38

-57.32%

Public Transport Monthly Pass (Regular Price)

$29.41 $29.41

$111 CA$157

-73.49%

Taxi Start (Normal Tariff)

$5.59 $5.59

$2.91 CA$4.12

92.10%

Taxi (Normal Tariff) (1km)

$1.03 $1.03

$1.20 CA$1.69

-14.17%

Taxi 1hour Waiting (Normal Tariff)

$17.81 $17.81

$21.38 CA$30.23

-16.70%

Gasoline (1 liter)

$0.85 $0.85

$1.21 CA$1.71

-29.75%

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

$37.4K $37.4K

$28.2K CA$39.8K

32.77%

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

$27.0K $27.0K

$20.3K CA$28.6K

33.10%

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

$168 $168

$120 CA$170

39.24%

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

$61.0 $61.0

$32.26 CA$45.60

89.06%

Internet (50+ Mbps, Unlimited Data)

$59.9 $59.9

$47.93 CA$67.8

24.91%

Gym Membership (Monthly)

$50.5 $50.5

$38.48 CA$54.4

31.13%

Tennis Court (1 Hour on Weekend)

$9.98 $9.98

$22.96 CA$32.46

-56.53%

Cinema Ticket

$13.34 $13.34

$12.38 CA$17.50

7.75%

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

$830 CA$1,173

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

Jeans (Levis 501 Or Similar)

$75.2 $75.2

$50.7 CA$71.7

48.33%

Summer Dress (H&M, Zara, etc)

$42.44 $42.44

$40.02 CA$56.6

6.05%

Sport Shoes (Adidas, Nike)

$68.2 $68.2

$98.0 CA$139

-30.37%

Men's Leather Business Shoes

$91.5 $91.5

$121 CA$171

-24.17%

1-bedroom Apartment, City Center (Monthly)

$857 $857

$1,592 CA$2,251

-46.18%

1-bedroom Apartment, Outside City Center (Monthly)

$848 $848

$1,410 CA$1,994

-39.89%

3-bedroom Apartment, City Center (Monthly)

$1,401 $1,401

$2,670 CA$3,775

-47.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,349 $1,349

$2,152 CA$3,042

-37.30%

Buy Apartment in City Center (m2)

$1,690 $1,690

$7,945 CA$11.2K

-78.73%

Buy Apartment Outside City Center (m2)

$1,654 $1,654

$6,542 CA$9,249

-74.72%

Average Monthly Net Salary (After Tax)

$3,316 $3,316

$3,727 CA$5,269

-11.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.55

4.47

46.53%

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

Last update for Owensboro, KY: October 11, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Owensboro, KY

$848 42.6%

Toronto

$1.4K 55.1% 66.4% $563

Groceries & Markets

Owensboro, KY

$312 15.7%

Toronto

$340 13.3% 9% $28

Eating Out

Owensboro, KY

$296 14.9%

Toronto

$278 10.9% 6% $18

Monthly Utilities & Internet

Owensboro, KY

$288 14.5%

Toronto

$201 7.8% 30.5% $88

Clothing & Footwear

Owensboro, KY

$125 6.3%

Toronto

$139 5.4% 11.5% $14

Sport & Entertainment

Owensboro, KY

$77 3.9%

Toronto

$63 2.5% 18% $14

Getting Around

Owensboro, KY

$44 2.2%

Toronto

$129 5.1% 193% $85

Cost Breakdown

A one-bedroom apartment in the center runs $857 in Owensboro, KY and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 12% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $61.0 in Owensboro, KY vs $76.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $312 vs $340 per month, with Owensboro, KY cheaper across the board.

Good to know

🇺🇸 Owensboro, KY

🇨🇦 Toronto

🕒 Local time

20:30 8:30 PM

21:30 9:30 PM

1 h ahead of Owensboro, KY

🌤 Weather

👥 Population

55,525

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 19, 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

Owensboro, KY Toronto 920 km ≈ 1 h 45 min nonstop flight

From you

Owensboro, KY
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

Owensboro, KY vs Toronto: Cost of Living - Frequently Asked Questions

Owensboro, KY wins on cost – living expenses run 29% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Owensboro, KY the obvious pick if budget is a priority.

On paper, salaries run 12% 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: $857 in Owensboro, KY versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Owensboro, KY – a meal for two runs $61.0 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

A monthly transit pass in Owensboro, KY runs roughly 277% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,990 in Owensboro, KY versus $2,561 in Toronto, a $2,000 budget is realistic in Owensboro, KY but tight or insufficient in Toronto. The gap between the two cities makes Owensboro, KY the clear choice for anyone on this budget.

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.

Expats usually find Owensboro, KY gentler on the wallet – expenses run 29% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.