Last update: Oct 2026

Cost of Living Comparison Between Saint Andrews and Toronto

For one person, living is cheaper in Saint Andrews: $2,159 a month against $2,561 in Toronto, rent and utilities included – about $4,800 less a year. Rent and utilities account for most of the difference.

108

Cost of Living Index in Saint Andrews
Learn more

Saint Andrews Living Index
125

Cost of Living Index in Toronto
Learn more

Toronto Living Index

Jump to prices

Saint Andrews

🇨🇦 Canada

$2,159

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

A single person spends $2,159 per month in Saint Andrews vs $2,561 in Toronto, rent included.

Saint Andrews $2,159
Toronto $2,561

A couple spends around $3,265 per month in Saint Andrews vs $3,694 in Toronto, rent included.

Saint Andrews $3,265
Toronto $3,694

A family of three spends $4,371 per month in Saint Andrews vs $4,826 in Toronto, rent included.

Saint Andrews $4,371
Toronto $4,826

Saint Andrews is about 16% cheaper than Toronto, and outside of rent the biggest gap is in transport.

Both Saint Andrews and Toronto sit above the global median – Saint Andrews by 60%, Toronto by 90%.

Meal at Budget Restaurant

$17.79 CA$25.14

$17.18 CA$24.29

3.55%

Three-Course Dinner for Two, Mid-Range

$64.2 CA$90.8

$76.0 CA$107

-15.49%

Fast Food Meal (McDonalds, etc)

$10.32 CA$14.60

$10.54 CA$14.89

-2.09%

Cappuccino

$3.66 CA$5.18

$4.02 CA$5.68

-8.96%

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

$1.96 CA$2.77

$2.12 CA$3.00

-7.55%

Water (0.33 liter bottle)

$1.69 CA$2.38

$1.75 CA$2.48

-3.43%

Local Beer (0.5 liter draught)

$5.32 CA$7.52

$6.24 CA$8.83

-14.74%

Imported Beer (0.33 liter bottle)

$5.53 CA$7.81

$7.09 CA$10.02

-22.00%

Milk (1 liter)

$2.05 CA$2.90

$2.44 CA$3.45

-15.98%

White Bread (500g)

$2.50 CA$3.53

$2.68 CA$3.78

-6.72%

Rice (white) (1kg)

$3.29 CA$4.65

$2.24 CA$3.17

46.87%

Eggs

$3.36 CA$4.75

$3.56 CA$5.03

-5.62%

Local Cheese (1kg)

$9.15 CA$12.93

$9.09 CA$12.85

0.66%

Chicken Fillets (1kg)

$10.13 CA$14.32

$11.33 CA$16.01

-10.59%

Beef Round Steak (1kg)

$14.70 CA$20.79

$14.53 CA$20.55

1.17%

Apples (1kg)

$3.23 CA$4.57

$3.62 CA$5.12

-10.77%

Banana (1kg)

$1.37 CA$1.94

$1.21 CA$1.72

13.22%

Oranges (1kg)

$3.43 CA$4.85

$3.60 CA$5.09

-4.72%

Tomato (1kg)

$3.73 CA$5.27

$4.21 CA$5.96

-11.40%

Potato (1kg)

$2.55 CA$3.61

$1.79 CA$2.53

42.46%

Onion (1kg)

$2.23 CA$3.15

$1.59 CA$2.25

40.25%

Lettuce (1 head)

$2.65 CA$3.74

$2.27 CA$3.21

16.74%

Water (1.5 liter bottle)

$1.48 CA$2.10

$1.25 CA$1.77

18.40%

Cigarettes 20 Pack (Marlboro, Camel)

$14.07 CA$19.89

$13.82 CA$19.53

1.81%

Wine (Bottle)

$10.91 CA$15.43

$14.27 CA$20.18

-23.55%

Local Beer (0.5 liter bottle)

$2.51 CA$3.56

$2.20 CA$3.10

14.09%

Imported Beer (0.33 liter bottle)

$2.96 CA$4.18

$2.43 CA$3.44

21.81%

One-way Ticket (Public Transport)

$2.51 CA$3.55

$2.39 CA$3.38

5.02%

Public Transport Monthly Pass (Regular Price)

$53.3 CA$75.3

$111 CA$157

-51.97%

Taxi Start (Normal Tariff)

$3.08 CA$4.35

$2.91 CA$4.12

5.84%

Taxi (Normal Tariff) (1km)

$1.50 CA$2.13

$1.20 CA$1.69

25.00%

Taxi 1hour Waiting (Normal Tariff)

$21.88 CA$30.93

$21.38 CA$30.23

2.34%

Gasoline (1 liter)

$1.09 CA$1.54

$1.21 CA$1.71

-9.92%

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

$27.0K CA$38.1K

$28.2K CA$39.8K

-4.31%

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

$16.5K CA$23.3K

$20.3K CA$28.6K

-18.50%

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

$122 CA$173

$120 CA$170

1.39%

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

$37.87 CA$53.5

$32.26 CA$45.60

17.39%

Internet (50+ Mbps, Unlimited Data)

$54.4 CA$76.9

$47.93 CA$67.8

13.44%

Gym Membership (Monthly)

$36.89 CA$52.2

$38.48 CA$54.4

-4.13%

Tennis Court (1 Hour on Weekend)

$19.70 CA$27.84

$22.96 CA$32.46

-14.20%

Cinema Ticket

$12.55 CA$17.74

$12.38 CA$17.50

1.37%

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

$856 CA$1,211

$830 CA$1,173

3.17%

International Primary School, 1 Child (Yearly)

$11.7K CA$16.6K

$23.1K CA$32.6K

-49.17%

Jeans (Levis 501 Or Similar)

$60.1 CA$85.0

$50.7 CA$71.7

18.58%

Summer Dress (H&M, Zara, etc)

$38.20 CA$54.0

$40.02 CA$56.6

-4.55%

Sport Shoes (Adidas, Nike)

$87.2 CA$123

$98.0 CA$139

-10.95%

Men's Leather Business Shoes

$105 CA$148

$121 CA$171

-13.02%

1-bedroom Apartment, City Center (Monthly)

$1,254 CA$1,773

$1,592 CA$2,251

-21.22%

1-bedroom Apartment, Outside City Center (Monthly)

$1,077 CA$1,522

$1,410 CA$1,994

-23.65%

3-bedroom Apartment, City Center (Monthly)

$1,928 CA$2,725

$2,670 CA$3,775

-27.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,905 CA$2,693

$2,152 CA$3,042

-11.46%

Buy Apartment in City Center (m2)

$3,808 CA$5,383

$7,945 CA$11.2K

-52.07%

Buy Apartment Outside City Center (m2)

$3,916 CA$5,536

$6,542 CA$9,249

-40.14%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

20-Year Fixed Mortgage Interest Rate (Annual %)

4.66

4.47

4.25%

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

Last update for Saint Andrews: October 12, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Saint Andrews

$1.1K 49.9%

Toronto

$1.4K 55.1% 31% $334

Groceries & Markets

Saint Andrews

$332 15.4%

Toronto

$340 13.3% 2.4% $7.9

Eating Out

Saint Andrews

$269 12.5%

Toronto

$278 10.9% 3.2% $8.7

Monthly Utilities & Internet

Saint Andrews

$214 9.9%

Toronto

$201 7.8% 6.4% $14

Clothing & Footwear

Saint Andrews

$131 6.1%

Toronto

$139 5.4% 6.5% $8.5

Getting Around

Saint Andrews

$74 3.4%

Toronto

$129 5.1% 75.1% $55

Sport & Entertainment

Saint Andrews

$62 2.9%

Toronto

$63 2.5% 2% $1.3

Cost Breakdown

A central one-bedroom costs $1,254 in Saint Andrews versus $1,592 in Toronto. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $64.0 in Saint Andrews versus $76.0 in Toronto. Monthly groceries follow the same trend: $332 vs $340 – making Saint Andrews the more affordable choice for daily food spending.

Good to know

🇨🇦 Saint Andrews

🇨🇦 Toronto

🕒 Local time

06:21 6:21 AM

05:21 5:21 AM

1 h behind Saint Andrews

🌤 Weather

👥 Population

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Saint Andrews Toronto 990 km ≈ 1 h 45 min nonstop flight

From you

Saint Andrews
Toronto

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated March 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Saint Andrews vs Toronto: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,159 in Saint Andrews, $2,561 in Toronto – roughly 19% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,238 per month in Saint Andrews and $3,841 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Andrews, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,159 in Saint Andrews and $2,561 in Toronto. That's a gap of about 19%.

Public transport costs about 108% less in Saint Andrews. For daily commuters, that gap adds up to noticeable savings over a year.

A $3,000 monthly budget goes further in Saint Andrews, where all-in costs run around $2,159, than in Toronto at $2,561. In Saint Andrews it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Saint Andrews – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Saint Andrews. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.