Last update: Nov 2026

Cost of Living Comparison Between Philipsburg and Toronto

For one person, living is cheaper in Toronto: $2,599 a month against $3,119 in Philipsburg, rent and utilities included – about $6,200 less a year. Higher rent and utilities in Philipsburg outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
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Toronto Living Index

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Philipsburg

🇸🇽 Sint Maarten

$3,119

/mo nomad

Toronto

🇨🇦 Canada

$2,599

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,119 in Philipsburg versus $2,599 in Toronto.

Philipsburg $3,119
Toronto $2,599

Estimated couple costs with rent: $6,130 in Philipsburg versus $3,700 in Toronto.

Philipsburg $6,130
Toronto $3,700

Monthly costs for a family of three with rent: $9,141 in Philipsburg versus $4,801 in Toronto.

Philipsburg $9,141
Toronto $4,801

Living in Philipsburg is roughly 20% more expensive than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Philipsburg 131% above, Toronto 92% above.

Meal at Budget Restaurant

$15.25 ANG 27.30

$17.98 CA$25.09

-15.18%

Three-Course Dinner for Two, Mid-Range

$70.0 ANG 125

$72.3 CA$101

-3.11%

Fast Food Meal (McDonalds, etc)

$8.19 ANG 14.66

$10.83 CA$15.11

-24.38%

Cappuccino

$4.36 ANG 7.80

$4.34 CA$6.06

0.46%

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

$2.85 ANG 5.11

$2.16 CA$3.01

31.94%

Water (0.33 liter bottle)

$4.01 ANG 7.18

$1.66 CA$2.31

141.57%

Local Beer (0.5 liter draught)

$2.92 ANG 5.22

$6.35 CA$8.86

-54.02%

Imported Beer (0.33 liter bottle)

$6.41 ANG 11.47

$7.34 CA$10.25

-12.67%

Milk (1 liter)

$2.92 ANG 5.23

$2.57 CA$3.59

13.62%

White Bread (500g)

$2.60 ANG 4.65

$2.71 CA$3.78

-4.06%

Rice (white) (1kg)

$2.47 ANG 4.43

$2.28 CA$3.18

8.33%

Eggs

$6.58 ANG 11.78

$3.60 CA$5.03

82.78%

Local Cheese (1kg)

$18.77 ANG 33.59

$8.94 CA$12.48

109.96%

Chicken Fillets (1kg)

$14.04 ANG 25.14

$11.19 CA$15.62

25.47%

Beef Round Steak (1kg)

$15.10 ANG 27.04

$15.23 CA$21.25

-0.85%

Apples (1kg)

$5.24 ANG 9.38

$3.74 CA$5.23

40.11%

Banana (1kg)

$5.27 ANG 9.43

$1.23 CA$1.71

328.46%

Oranges (1kg)

$9.04 ANG 16.17

$3.58 CA$5.00

152.51%

Tomato (1kg)

$7.56 ANG 13.53

$4.25 CA$5.93

77.88%

Potato (1kg)

$3.88 ANG 6.95

$1.94 CA$2.71

100.00%

Onion (1kg)

$3.99 ANG 7.14

$1.67 CA$2.33

138.92%

Lettuce (1 head)

$4.94 ANG 8.85

$2.30 CA$3.21

114.78%

Water (1.5 liter bottle)

$1.30 ANG 2.33

$1.26 CA$1.76

3.17%

Cigarettes 20 Pack (Marlboro, Camel)

$8.09 ANG 14.47

$14.19 CA$19.81

-42.99%

Wine (Bottle)

$10.94 ANG 19.59

$14.25 CA$19.89

-23.23%

Local Beer (0.5 liter bottle)

$5.10 ANG 9.13

$2.28 CA$3.18

123.68%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.61

One-way Ticket (Public Transport)

$2.22 ANG 3.97

$2.35 CA$3.29

-5.53%

Public Transport Monthly Pass (Regular Price)

$1.46 ANG 2.62

$111 CA$155

-98.68%

Taxi Start (Normal Tariff)

$15.16 ANG 27.13

$3.01 CA$4.21

403.65%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.47

Gasoline (1 liter)

$1.23 CA$1.72

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

$27.0K CA$37.6K

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

$21.8K CA$30.5K

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

$152 ANG 272

$121 CA$169

25.94%

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

$32.07 ANG 57.4

$33.10 CA$46.21

-3.11%

Internet (50+ Mbps, Unlimited Data)

$66.1 ANG 118

$49.09 CA$68.5

34.61%

Gym Membership (Monthly)

$62.8 ANG 112

$36.65 CA$51.2

71.27%

Tennis Court (1 Hour on Weekend)

$25.01 CA$34.91

Cinema Ticket

$10.83 ANG 19.38

$12.78 CA$17.84

-15.26%

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

$246 ANG 440

$754 CA$1,053

-67.41%

International Primary School, 1 Child (Yearly)

$12.2K ANG 21.8K

$33.7K CA$47.0K

-63.89%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.3

Summer Dress (H&M, Zara, etc)

$41.43 CA$57.8

Sport Shoes (Adidas, Nike)

$101 CA$141

Men's Leather Business Shoes

$130 CA$182

1-bedroom Apartment, City Center (Monthly)

$2,120 ANG 3,795

$1,590 CA$2,219

33.36%

1-bedroom Apartment, Outside City Center (Monthly)

$2,008 ANG 3,594

$1,424 CA$1,988

40.98%

3-bedroom Apartment, City Center (Monthly)

$6,575 ANG 11.8K

$2,641 CA$3,687

148.96%

3-bedroom Apartment, Outside City Center (Monthly)

$6,612 ANG 11.8K

$2,090 CA$2,918

216.34%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,620

Average Monthly Net Salary (After Tax)

$1,137 ANG 2,036

$3,623 CA$5,057

-68.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

12.36%

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

Last update for Philipsburg: November 1, 2026

Last update for Toronto: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Philipsburg

–

Toronto

$1.4K 54.8%

Groceries & Markets

Philipsburg

–

Toronto

$345 13.3%

Eating Out

Philipsburg

–

Toronto

$290 11.2%

Monthly Utilities & Internet

Philipsburg

–

Toronto

$203 7.8%

Clothing & Footwear

Philipsburg

–

Toronto

$145 5.6%

Getting Around

Philipsburg

–

Toronto

$130 5%

Sport & Entertainment

Philipsburg

–

Toronto

$62 2.4%

Cost Breakdown

A one-bedroom apartment in the center runs $2,120 in Philipsburg and $1,590 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays about 3.2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $70 in Philipsburg vs $72 in Toronto. Groceries flip the comparison at $497 vs $345, with Toronto cheaper for home cooking.

Good to know

🇸🇽 Philipsburg

🇨🇦 Toronto

🕒 Local time

22:35 10:35 PM

21:35 9:35 PM

1 h behind Philipsburg

🌤 Weather

👥 Population

1,900 Capital

2,731,571

💱 Currency

Netherlands Antillean Guilder ANG ƒ

Canadian Dollar CAD $

📈 Exchange rate

1 ANG = 0.559 USD

1 ANG = 0.498 EUR

1 CAD = 0.716 USD

1 CAD = 0.638 EUR

Exchange rates and currency converter

CAD, USD, EUR to ANG – Netherlands Antillean Guilder Converter

🇺🇸 United States Dollar ($)

🌐 Netherlands Antillean Guilder (ƒ)

Netherlands Antillean Guilder exchange rates as of November 6, 2026: 1 USD = 1.79 ANG (1 ANG = 0.559 USD). 1 EUR = 2.01 ANG (1 ANG = 0.498 EUR).

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.57 CAD (1 CAD = 0.638 EUR).

USD to ANG in detail →

On the map

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Between locations

Philipsburg Toronto 3,230 km ≈ 4 h 30 min nonstop flight

From you

Philipsburg
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

Philipsburg vs Toronto: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 17% lower than in Philipsburg. 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 69% lower in Philipsburg. 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: $2,120 in Philipsburg versus $1,590 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 44% higher in Philipsburg. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Philipsburg – a meal for two runs $70 versus $72 in Toronto. 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.