Last update: Oct 2026

Cost of Living Comparison Between Plano, TX and Toronto

For one person, living costs are similar in Plano, TX and in Toronto: $2,597 and $2,610 a month, rent and utilities included.

126

Cost of Living Index in Plano, TX
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Plano, TX Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Plano, TX

🇺🇸 United States

$2,597

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,597 in Plano, TX versus $2,610 in Toronto.

Plano, TX $2,597
Toronto $2,610

Estimated couple costs with rent: $4,016 in Plano, TX versus $3,727 in Toronto.

Plano, TX $4,016
Toronto $3,727

Monthly costs for a family of three with rent: $5,435 in Plano, TX versus $4,844 in Toronto.

Plano, TX $5,435
Toronto $4,844

Living in Plano, TX costs roughly 1% less than in Toronto, and outside of rent the biggest gap is in leisure.

Both cities are pricier than the global median: Plano, TX 92% above, Toronto 93% above.

Meal at Budget Restaurant

$19.95 $19.95

$17.59 CA$24.87

13.42%

Three-Course Dinner for Two, Mid-Range

$77.1 $77.1

$78.8 CA$111

-2.25%

Fast Food Meal (McDonalds, etc)

$10.19 $10.19

$10.73 CA$15.16

-5.03%

Cappuccino

$5.51 $5.51

$4.09 CA$5.78

34.72%

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

$2.66 $2.66

$2.10 CA$2.97

26.67%

Water (0.33 liter bottle)

$2.35 $2.35

$1.72 CA$2.43

36.63%

Local Beer (0.5 liter draught)

$6.80 $6.80

$6.36 CA$8.99

6.92%

Imported Beer (0.33 liter bottle)

$7.65 $7.65

$7.08 CA$10.01

8.05%

Milk (1 liter)

$0.95 $0.95

$2.54 CA$3.59

-62.60%

White Bread (500g)

$3.22 $3.22

$2.72 CA$3.85

18.38%

Rice (white) (1kg)

$4.83 $4.83

$2.18 CA$3.09

121.56%

Eggs

$4.81 $4.81

$3.63 CA$5.13

32.51%

Local Cheese (1kg)

$13.31 $13.31

$9.46 CA$13.37

40.70%

Chicken Fillets (1kg)

$11.29 $11.29

$11.54 CA$16.32

-2.17%

Beef Round Steak (1kg)

$18.73 $18.73

$14.37 CA$20.32

30.34%

Apples (1kg)

$4.58 $4.58

$3.70 CA$5.23

23.78%

Banana (1kg)

$1.55 $1.55

$1.19 CA$1.68

30.25%

Oranges (1kg)

$2.79 $2.79

$3.46 CA$4.90

-19.36%

Tomato (1kg)

$3.03 $3.03

$4.22 CA$5.97

-28.20%

Potato (1kg)

$2.32 $2.32

$1.79 CA$2.52

29.61%

Onion (1kg)

$2.51 $2.51

$1.65 CA$2.33

52.12%

Lettuce (1 head)

$1.92 $1.92

$2.20 CA$3.11

-12.73%

Water (1.5 liter bottle)

$2.83 $2.83

$1.26 CA$1.78

124.60%

Cigarettes 20 Pack (Marlboro, Camel)

$10.21 $10.21

$13.97 CA$19.75

-26.91%

Wine (Bottle)

$15.91 $15.91

$14.20 CA$20.07

12.04%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$2.25 CA$3.18

-24.00%

Imported Beer (0.33 liter bottle)

$3.22 $3.22

$2.53 CA$3.58

27.27%

One-way Ticket (Public Transport)

$4.61 $4.61

$2.32 CA$3.28

98.71%

Public Transport Monthly Pass (Regular Price)

$106 $106

$112 CA$158

-4.70%

Taxi Start (Normal Tariff)

$2.91 $2.91

$3.06 CA$4.33

-4.90%

Taxi (Normal Tariff) (1km)

$1.73 $1.73

$1.22 CA$1.72

41.80%

Taxi 1hour Waiting (Normal Tariff)

$14.92 $14.92

$21.69 CA$30.66

-31.21%

Gasoline (1 liter)

$0.92 $0.92

$1.21 CA$1.72

-23.97%

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

$27.1K $27.1K

$26.1K CA$37.0K

3.77%

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

$25.9K $25.9K

$21.1K CA$29.9K

22.43%

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

$194 $194

$120 CA$169

61.94%

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

$47.18 $47.18

$32.21 CA$45.54

46.48%

Internet (50+ Mbps, Unlimited Data)

$54.7 $54.7

$48.88 CA$69.1

11.87%

Gym Membership (Monthly)

$91.8 $91.8

$39.34 CA$55.6

133.32%

Tennis Court (1 Hour on Weekend)

$3.93 $3.93

$23.58 CA$33.34

-83.33%

Cinema Ticket

$15.01 $15.01

$12.58 CA$17.79

19.32%

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

$1,312 $1,312

$832 CA$1,176

57.71%

International Primary School, 1 Child (Yearly)

$24.3K $24.3K

$23.6K CA$33.4K

2.73%

Jeans (Levis 501 Or Similar)

$58.5 $58.5

$52.3 CA$73.9

11.90%

Summer Dress (H&M, Zara, etc)

$37.94 $37.94

$39.44 CA$55.8

-3.80%

Sport Shoes (Adidas, Nike)

$87.2 $87.2

$99.0 CA$140

-11.89%

Men's Leather Business Shoes

$68.3 $68.3

$122 CA$172

-44.00%

1-bedroom Apartment, City Center (Monthly)

$1,550 $1,550

$1,631 CA$2,306

-5.00%

1-bedroom Apartment, Outside City Center (Monthly)

$1,212 $1,212

$1,448 CA$2,048

-16.30%

3-bedroom Apartment, City Center (Monthly)

$2,748 $2,748

$2,737 CA$3,869

0.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,374 $2,374

$2,129 CA$3,010

11.50%

Buy Apartment in City Center (m2)

$2,365 $2,365

$8,206 CA$11.6K

-71.18%

Buy Apartment Outside City Center (m2)

$2,423 $2,423

$6,838 CA$9,666

-64.56%

Average Monthly Net Salary (After Tax)

$5,756 $5,756

$3,520 CA$4,976

63.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

4.47

45.64%

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

Last update for Plano, TX: October 19, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Plano, TX

$1.2K 46.7%

Toronto

$1.4K 55.5% 19.5% $236

Groceries & Markets

Plano, TX

$392 15.1%

Toronto

$343 13.1% 12.5% $49

Eating Out

Plano, TX

$326 12.5%

Toronto

$283 10.9% 13% $42

Monthly Utilities & Internet

Plano, TX

$296 11.4%

Toronto

$201 7.7% 32.1% $95

Getting Around

Plano, TX

$136 5.3%

Toronto

$130 5% 4.6% $6.3

Sport & Entertainment

Plano, TX

$122 4.7%

Toronto

$65 2.5% 47% $57

Clothing & Footwear

Plano, TX

$113 4.4%

Toronto

$141 5.4% 24.1% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,550 in Plano, TX and $1,631 in Toronto. Housing cost is often the main lever when comparing two cities.

Plano, TX pays 64% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $77.0 in Plano, TX vs $79.0 in Toronto. Groceries flip the comparison at $392 vs $343, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Plano, TX

🇨🇦 Toronto

🕒 Local time

16:24 4:24 PM

17:24 5:24 PM

1 h ahead of Plano, TX

🌤 Weather

👥 Population

288,253

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 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 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

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Between locations

Plano, TX Toronto 1,910 km ≈ 3 h nonstop flight

From you

Plano, TX
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

Plano, TX vs Toronto: Cost of Living - Frequently Asked Questions

Plano, TX is cheaper overall, especially in clothing. The 1% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 64% higher in Plano, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,550 in Plano, TX versus $1,631 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,312 in Plano, TX versus $832 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Toronto pay roughly 14% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Both cities are expensive relative to $2,500. Plano, TX 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 Plano, TX gentler on the wallet – expenses run 1% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.