Last update: Oct 2026

Cost of Living Comparison Between Oxnard, CA and Toronto

For one person, living is cheaper in Toronto: $2,561 a month against $3,186 in Oxnard, CA, rent and utilities included – about $7,500 less a year. Rent and utilities account for most of the difference.

156

Cost of Living Index in Oxnard, CA
Learn more

Oxnard, CA Living Index
125

Cost of Living Index in Toronto
Learn more

Toronto Living Index

Jump to prices

Oxnard, CA

🇺🇸 United States

$3,186

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,186 in Oxnard, CA versus $2,561 in Toronto.

Oxnard, CA $3,186
Toronto $2,561

Estimated couple costs with rent: $4,226 in Oxnard, CA versus $3,694 in Toronto.

Oxnard, CA $4,226
Toronto $3,694

Monthly costs for a family of three with rent: $5,265 in Oxnard, CA versus $4,826 in Toronto.

Oxnard, CA $5,265
Toronto $4,826

Living in Oxnard, CA is roughly 24% more expensive than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Oxnard, CA 136% above, Toronto 90% above.

Meal at Budget Restaurant

$20.32 $20.32

$17.18 CA$24.29

18.28%

Three-Course Dinner for Two, Mid-Range

$65.1 $65.1

$76.0 CA$107

-14.31%

Fast Food Meal (McDonalds, etc)

$11.71 $11.71

$10.54 CA$14.89

11.10%

Cappuccino

$5.76 $5.76

$4.02 CA$5.68

43.28%

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

$2.69 $2.69

$2.12 CA$3.00

26.89%

Water (0.33 liter bottle)

$2.03 $2.03

$1.75 CA$2.48

16.00%

Local Beer (0.5 liter draught)

$8.07 $8.07

$6.24 CA$8.83

29.33%

Imported Beer (0.33 liter bottle)

$9.48 $9.48

$7.09 CA$10.02

33.71%

Milk (1 liter)

$1.19 $1.19

$2.44 CA$3.45

-51.23%

White Bread (500g)

$5.71 $5.71

$2.68 CA$3.78

113.06%

Rice (white) (1kg)

$4.30 $4.30

$2.24 CA$3.17

91.96%

Eggs

$4.98 $4.98

$3.56 CA$5.03

39.89%

Local Cheese (1kg)

$12.34 $12.34

$9.09 CA$12.85

35.75%

Chicken Fillets (1kg)

$20.32 $20.32

$11.33 CA$16.01

79.35%

Beef Round Steak (1kg)

$13.99 $13.99

$14.53 CA$20.55

-3.72%

Apples (1kg)

$4.39 $4.39

$3.62 CA$5.12

21.27%

Banana (1kg)

$1.78 $1.78

$1.21 CA$1.72

47.11%

Oranges (1kg)

$4.15 $4.15

$3.60 CA$5.09

15.28%

Tomato (1kg)

$6.60 $6.60

$4.21 CA$5.96

56.77%

Potato (1kg)

$3.58 $3.58

$1.79 CA$2.53

100.00%

Onion (1kg)

$1.96 $1.96

$1.59 CA$2.25

23.27%

Lettuce (1 head)

$2.39 $2.39

$2.27 CA$3.21

5.29%

Water (1.5 liter bottle)

$2.19 $2.19

$1.25 CA$1.77

75.20%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$13.82 CA$19.53

-28.51%

Wine (Bottle)

$14.85 $14.85

$14.27 CA$20.18

4.06%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.20 CA$3.10

-19.09%

Imported Beer (0.33 liter bottle)

$3.25 $3.25

$2.43 CA$3.44

33.74%

One-way Ticket (Public Transport)

$1.48 $1.48

$2.39 CA$3.38

-38.08%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$4.38 $4.38

$2.91 CA$4.12

50.52%

Taxi (Normal Tariff) (1km)

$1.82 $1.82

$1.20 CA$1.69

51.67%

Taxi 1hour Waiting (Normal Tariff)

$35.90 $35.90

$21.38 CA$30.23

67.91%

Gasoline (1 liter)

$1.29 $1.29

$1.21 CA$1.71

6.61%

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

$37.6K $37.6K

$28.2K CA$39.8K

33.46%

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

$25.7K $25.7K

$20.3K CA$28.6K

26.82%

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

$129 $129

$120 CA$170

7.00%

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

$53.2 $53.2

$32.26 CA$45.60

64.91%

Internet (50+ Mbps, Unlimited Data)

$69.4 $69.4

$47.93 CA$67.8

44.82%

Gym Membership (Monthly)

$61.6 $61.6

$38.48 CA$54.4

60.08%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$11.77 $11.77

$12.38 CA$17.50

-4.93%

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

$1,187 $1,187

$830 CA$1,173

42.97%

International Primary School, 1 Child (Yearly)

$42.6K $42.6K

$23.1K CA$32.6K

84.60%

Jeans (Levis 501 Or Similar)

$37.90 $37.90

$50.7 CA$71.7

-25.26%

Summer Dress (H&M, Zara, etc)

$41.18 $41.18

$40.02 CA$56.6

2.90%

Sport Shoes (Adidas, Nike)

$59.1 $59.1

$98.0 CA$139

-39.73%

Men's Leather Business Shoes

$81.0 $81.0

$121 CA$171

-32.86%

1-bedroom Apartment, City Center (Monthly)

$1,995 $1,995

$1,592 CA$2,251

25.31%

1-bedroom Apartment, Outside City Center (Monthly)

$1,922 $1,922

$1,410 CA$1,994

36.30%

3-bedroom Apartment, City Center (Monthly)

$3,359 $3,359

$2,670 CA$3,775

25.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,445 $2,445

$2,152 CA$3,042

13.65%

Buy Apartment in City Center (m2)

$5,838 $5,838

$7,945 CA$11.2K

-26.52%

Buy Apartment Outside City Center (m2)

$5,922 $5,922

$6,542 CA$9,249

-9.48%

Average Monthly Net Salary (After Tax)

$3,379 $3,379

$3,727 CA$5,269

-9.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.1

4.47

36.47%

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

Last update for Oxnard, CA: 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

Oxnard, CA

$1.9K 60.3%

Toronto

$1.4K 55.1% 26.6% $512

Groceries & Markets

Oxnard, CA

$465 14.6%

Toronto

$340 13.3% 26.9% $125

Eating Out

Oxnard, CA

$345 10.8%

Toronto

$278 10.9% 19.4% $67

Monthly Utilities & Internet

Oxnard, CA

$251 7.9%

Toronto

$201 7.8% 20.2% $51

Clothing & Footwear

Oxnard, CA

$99 3.1%

Toronto

$139 5.4% 41.2% $41

Sport & Entertainment

Oxnard, CA

$85 2.7%

Toronto

$63 2.5% 25.7% $22

Getting Around

Oxnard, CA

$19 * 0.6%

Toronto

$129 5.1% 567% $110

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,995 in Oxnard, CA and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 10% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $65.0 in Oxnard, CA vs $76.0 in Toronto. Groceries flip the comparison at $465 vs $340, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Oxnard, CA

🇨🇦 Toronto

🕒 Local time

17:50 5:50 PM

20:50 8:50 PM

3 h ahead of Oxnard, CA

🌤 Weather

👥 Population

207,254

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

Oxnard, CA Toronto 3,560 km ≈ 5 h nonstop flight

From you

Oxnard, CA
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

Oxnard, CA vs Toronto: Cost of Living - Frequently Asked Questions

Toronto is cheaper overall, especially in groceries, eating out, and utilities. The 24% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 10% 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: $1,995 in Oxnard, CA versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 37% higher in Oxnard, CA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,186 per month in Oxnard, CA versus $2,561 in Toronto – a 24% gap that adds up to real savings over time for anyone picking the cheaper option.

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.

Expats usually find Toronto gentler on the wallet – expenses run 24% less than in Oxnard, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.