Last update: Oct 2026

Cost of Living Comparison Between Pensacola, FL and Montreal

For one person, living is cheaper in Montreal: $2,003 a month against $2,620 in Pensacola, FL, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

127

Cost of Living Index in Pensacola, FL
Learn more

Pensacola, FL Living Index
99

Cost of Living Index in Montreal
Learn more

Montreal Living Index

Jump to prices

Pensacola, FL

🇺🇸 United States

$2,620

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

How much you'll spend in Pensacola, FL 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 Pensacola, FL and in Montreal actually costs, broken down by who's living it.

A single person spends $2,620 per month in Pensacola, FL vs $2,003 in Montreal, rent included.

Pensacola, FL $2,620
Montreal $2,003

A couple spends around $3,753 per month in Pensacola, FL vs $3,048 in Montreal, rent included.

Pensacola, FL $3,753
Montreal $3,048

A family of three spends $4,885 per month in Pensacola, FL vs $4,092 in Montreal, rent included.

Pensacola, FL $4,885
Montreal $4,092

Pensacola, FL costs about 31% more than Montreal, and outside of rent the biggest gap is in utilities.

Both Pensacola, FL and Montreal sit above the global median – Pensacola, FL by 96%, Montreal by 49%.

Meal at Budget Restaurant

$18.81 $18.81

$19.31 CA$27.52

-2.59%

Three-Course Dinner for Two, Mid-Range

$55.2 $55.2

$75.5 CA$108

-26.93%

Fast Food Meal (McDonalds, etc)

$12.16 $12.16

$10.63 CA$15.15

14.39%

Cappuccino

$5.34 $5.34

$3.93 CA$5.60

35.88%

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

$3.02 $3.02

$1.92 CA$2.73

57.29%

Water (0.33 liter bottle)

$2.23 $2.23

$1.48 CA$2.11

50.68%

Local Beer (0.5 liter draught)

$5.04 $5.04

$6.30 CA$8.98

-20.00%

Imported Beer (0.33 liter bottle)

$7.13 $7.13

$7.19 CA$10.24

-0.83%

Milk (1 liter)

$0.83 $0.83

$2.22 CA$3.17

-62.61%

White Bread (500g)

$3.45 $3.45

$3.06 CA$4.36

12.75%

Rice (white) (1kg)

$2.73 $2.73

$2.94 CA$4.19

-7.14%

Eggs

$3.27 $3.27

$3.53 CA$5.03

-7.37%

Local Cheese (1kg)

$10.67 $10.67

$13.19 CA$18.79

-19.11%

Chicken Fillets (1kg)

$11.53 $11.53

$11.24 CA$16.02

2.58%

Beef Round Steak (1kg)

$14.13 $14.13

$13.81 CA$19.69

2.32%

Apples (1kg)

$3.94 $3.94

$3.40 CA$4.85

15.88%

Banana (1kg)

$1.45 $1.45

$1.44 CA$2.06

0.69%

Oranges (1kg)

$2.59 $2.59

$3.26 CA$4.65

-20.55%

Tomato (1kg)

$4.36 $4.36

$2.88 CA$4.10

51.39%

Potato (1kg)

$3.17 $3.17

$1.86 CA$2.65

70.43%

Onion (1kg)

$2.71 $2.71

$1.82 CA$2.60

48.90%

Lettuce (1 head)

$2.18 $2.18

$2.43 CA$3.46

-10.29%

Water (1.5 liter bottle)

$2.19 $2.19

$1.52 CA$2.17

44.08%

Cigarettes 20 Pack (Marlboro, Camel)

$9.31 $9.31

$11.45 CA$16.32

-18.69%

Wine (Bottle)

$14.91 $14.91

$10.36 CA$14.76

43.92%

Local Beer (0.5 liter bottle)

$2.04 $2.04

$2.22 CA$3.16

-8.11%

Imported Beer (0.33 liter bottle)

$3.80 $3.80

$2.82 CA$4.02

34.75%

One-way Ticket (Public Transport)

$1.73 $1.73

$2.58 CA$3.67

-32.95%

Public Transport Monthly Pass (Regular Price)

$42.44 $42.44

$76.9 CA$110

-44.80%

Taxi Start (Normal Tariff)

$2.53 $2.53

$3.25 CA$4.64

-22.15%

Taxi (Normal Tariff) (1km)

$1.64 $1.64

$1.48 CA$2.11

10.81%

Taxi 1hour Waiting (Normal Tariff)

$25.81 $25.81

$33.04 CA$47.09

-21.88%

Gasoline (1 liter)

$0.95 $0.95

$1.36 CA$1.94

-30.15%

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

$36.0K $36.0K

$27.4K CA$39.1K

31.20%

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

$26.2K $26.2K

$20.0K CA$28.5K

31.17%

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

$306 $306

$76.1 CA$109

301.88%

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

$51.3 $51.3

$34.68 CA$49.43

47.81%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$42.69 CA$60.9

64.49%

Gym Membership (Monthly)

$29.09 $29.09

$28.94 CA$41.26

0.52%

Tennis Court (1 Hour on Weekend)

$18.44 $18.44

$20.33 CA$28.97

-9.30%

Cinema Ticket

$13.03 $13.03

$11.21 CA$15.98

16.24%

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

$618 $618

$505 CA$720

22.34%

International Primary School, 1 Child (Yearly)

$14.1K $14.1K

$16.0K CA$22.8K

-11.96%

Jeans (Levis 501 Or Similar)

$47.79 $47.79

$58.5 CA$83.4

-18.31%

Summer Dress (H&M, Zara, etc)

$40.73 $40.73

$38.00 CA$54.2

7.18%

Sport Shoes (Adidas, Nike)

$83.5 $83.5

$92.7 CA$132

-9.98%

Men's Leather Business Shoes

$93.4 $93.4

$106 CA$151

-11.71%

1-bedroom Apartment, City Center (Monthly)

$1,682 $1,682

$1,240 CA$1,768

35.61%

1-bedroom Apartment, Outside City Center (Monthly)

$1,271 $1,271

$986 CA$1,405

28.88%

3-bedroom Apartment, City Center (Monthly)

$2,707 $2,707

$2,102 CA$2,996

28.79%

3-bedroom Apartment, Outside City Center (Monthly)

$2,130 $2,130

$1,615 CA$2,302

31.91%

Buy Apartment in City Center (m2)

$3,836 $3,836

$5,043 CA$7,188

-23.94%

Buy Apartment Outside City Center (m2)

$2,133 $2,133

$3,830 CA$5,459

-44.29%

Average Monthly Net Salary (After Tax)

$3,668 $3,668

$2,920 CA$4,163

25.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

4.46

46.64%

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

Last update for Pensacola, FL: October 4, 2026

Last update for Montreal: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Pensacola, FL

$1.3K 48.9%

Montreal

$986 47.9% 22.4% $285

Monthly Utilities & Internet

Pensacola, FL

$427 16.4%

Montreal

$154 7.5% 64.1% $274

Groceries & Markets

Pensacola, FL

$357 13.7%

Montreal

$344 16.7% 3.7% $13

Eating Out

Pensacola, FL

$312 12%

Montreal

$293 14.2% 6% $19

Clothing & Footwear

Pensacola, FL

$119 4.6%

Montreal

$133 6.5% 11.2% $13

Getting Around

Pensacola, FL

$60 2.3%

Montreal

$98 4.8% 62.8% $38

Sport & Entertainment

Pensacola, FL

$55 2.1%

Montreal

$51 2.5% 6.9% $3.8

Cost Breakdown

A central one-bedroom costs $1,682 in Pensacola, FL versus $1,240 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 26% higher in Pensacola, FL, 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 $55.0 in Pensacola, FL versus $75.0 in Montreal. Groceries tell a different story – $357 in Pensacola, FL vs $344 in Montreal – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Pensacola, FL

🇨🇦 Montreal

🕒 Local time

06:57 6:57 AM

07:57 7:57 AM

1 h ahead of Pensacola, FL

🌤 Weather

👥 Population

53,248

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 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 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

Lowest

Highest

Between locations

Pensacola, FL Montreal 2,050 km ≈ 3 h nonstop flight

From you

Pensacola, FL
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

Pensacola, FL vs Montreal: Cost of Living - Frequently Asked Questions

Pensacola, FL costs about 31% more than Montreal, and outside of rent the gap comes mainly from utilities. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,930 per month in Pensacola, FL and $3,005 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 4% more in Pensacola, FL, 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 $55.0 in Pensacola, FL and $75.0 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 $2,003, than in Pensacola, FL at $2,620. In Montreal it covers expenses comfortably, while in Pensacola, FL it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,003 versus $2,620 in Pensacola, FL. 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, Pensacola, FL makes more sense. Both are solid long-term options with distinct trade-offs.