Cost of Living Comparison Between Saint Andrews and Toronto Cost of Living Comparison Between Saint Andrews and Toronto

Monthly Cost of Living

A single person spends $2,365 per month in Saint Andrews vs $2,788 in Toronto, rent included.

A couple spends around $3,392 per month in Saint Andrews vs $4,110 in Toronto, rent included.

A family of three spends $4,419 per month in Saint Andrews vs $5,432 in Toronto, rent included.

Saint Andrews is about 15% cheaper than Toronto, driven mainly by Getting Around.

Both Saint Andrews and Toronto sit above the global median – Saint Andrews by 77%, Toronto by 109%.

Meal at Budget Restaurant

$17.00 CA$23.92

$18.51 CA$26.05

-8.16%

Three-Course Dinner for Two, Mid-Range

$70.7 CA$99.4

$83.8 CA$118

-15.70%

Fast Food Meal (McDonalds, etc)

$10.98 CA$15.45

$10.97 CA$15.44

0.09%

Cappuccino

$3.83 CA$5.39

$3.99 CA$5.61

-4.01%

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

$2.03 CA$2.86

$2.11 CA$2.98

-3.79%

Water (0.33 liter bottle)

$1.71 CA$2.40

$1.69 CA$2.38

1.18%

Local Beer (0.5 liter draught)

$5.58 CA$7.85

$5.92 CA$8.33

-5.74%

Imported Beer (0.33 liter bottle)

$5.87 CA$8.25

$6.48 CA$9.11

-9.41%

Milk (1 liter)

$2.11 CA$2.96

$2.71 CA$3.82

-22.14%

White Bread (500g)

$2.64 CA$3.72

$2.85 CA$4.02

-7.37%

Rice (white) (1kg)

$3.49 CA$4.92

$3.56 CA$5.01

-1.97%

Eggs

$3.44 CA$4.83

$3.54 CA$4.98

-2.82%

Local Cheese (1kg)

$11.29 CA$15.88

$13.26 CA$18.66

-14.86%

Chicken Fillets (1kg)

$11.67 CA$16.42

$13.05 CA$18.36

-10.57%

Beef Round Steak (1kg)

$14.92 CA$20.99

$16.77 CA$23.59

-11.03%

Apples (1kg)

$3.99 CA$5.61

$4.11 CA$5.79

-2.92%

Banana (1kg)

$1.37 CA$1.93

$1.14 CA$1.60

20.18%

Oranges (1kg)

$3.69 CA$5.19

$3.40 CA$4.78

8.53%

Tomato (1kg)

$3.82 CA$5.37

$4.02 CA$5.66

-4.98%

Potato (1kg)

$2.51 CA$3.54

$2.43 CA$3.42

3.29%

Onion (1kg)

$2.46 CA$3.46

$2.94 CA$4.13

-16.33%

Lettuce (1 head)

$2.59 CA$3.64

$2.47 CA$3.48

4.86%

Water (1.5 liter bottle)

$1.77 CA$2.48

$1.92 CA$2.70

-7.81%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.53

$14.99 CA$21.09

-7.40%

Wine (Bottle)

$10.93 CA$15.39

$14.34 CA$20.17

-23.78%

Local Beer (0.5 liter bottle)

$2.82 CA$3.97

$2.71 CA$3.81

4.06%

Imported Beer (0.33 liter bottle)

$3.03 CA$4.26

$3.12 CA$4.39

-2.88%

One-way Ticket (Public Transport)

$2.31 CA$3.25

$2.45 CA$3.45

-5.71%

Public Transport Monthly Pass (Regular Price)

$63.4 CA$89.2

$113 CA$159

-43.84%

Taxi Start (Normal Tariff)

$3.21 CA$4.52

$3.63 CA$5.10

-11.57%

Taxi (Normal Tariff) (1km)

$1.43 CA$2.02

$1.34 CA$1.89

6.72%

Taxi 1hour Waiting (Normal Tariff)

$26.00 CA$36.58

$25.55 CA$35.95

1.76%

Gasoline (1 liter)

$1.11 CA$1.56

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

$24.7K CA$34.7K

$25.3K CA$35.6K

-2.43%

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

$20.9K CA$29.5K

$21.8K CA$30.6K

-3.79%

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

$145 CA$203

$117 CA$164

23.83%

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

$44.07 CA$62.0

$37.60 CA$52.9

17.21%

Internet (50+ Mbps, Unlimited Data)

$62.3 CA$87.6

$53.7 CA$75.6

16.02%

Gym Membership (Monthly)

$41.27 CA$58.1

$57.1 CA$80.3

-27.72%

Tennis Court (1 Hour on Weekend)

$20.86 CA$29.35

Cinema Ticket

$11.54 CA$16.24

$11.56 CA$16.26

-0.17%

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

$725 CA$1,020

$1,125 CA$1,583

-35.58%

International Primary School, 1 Child (Yearly)

$11.8K CA$16.6K

$18.4K CA$25.9K

-35.83%

Jeans (Levis 501 Or Similar)

$54.6 CA$76.8

$57.3 CA$80.7

-4.78%

Summer Dress (H&M, Zara, etc)

$39.52 CA$55.6

$39.05 CA$55.0

1.20%

Sport Shoes (Adidas, Nike)

$86.4 CA$122

$87.6 CA$123

-1.38%

Men's Leather Business Shoes

$107 CA$151

$114 CA$160

-5.44%

1-bedroom Apartment, City Center (Monthly)

$1,312 CA$1,845

$1,842 CA$2,591

-28.78%

1-bedroom Apartment, Outside City Center (Monthly)

$1,159 CA$1,630

$1,531 CA$2,154

-24.32%

3-bedroom Apartment, City Center (Monthly)

$2,056 CA$2,893

$2,925 CA$4,116

-29.72%

3-bedroom Apartment, Outside City Center (Monthly)

$1,849 CA$2,602

$2,502 CA$3,521

-26.09%

Buy Apartment in City Center (m2)

$4,687 CA$6,594

$8,725 CA$12.3K

-46.29%

Buy Apartment Outside City Center (m2)

$4,016 CA$5,651

$6,867 CA$9,663

-41.52%

Average Monthly Net Salary (After Tax)

$3,454 CA$4,860

20-Year Fixed Mortgage Interest Rate (Annual %)

6.46

5.16

25.19%

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

Last update for Saint Andrews: July 14, 2026

Last update for Toronto: July 11, 2026

Cost Breakdown

A central one-bedroom costs $1,312 in Saint Andrews versus $1,842 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 $71.0 in Saint Andrews versus $84.0 in Toronto. Monthly groceries follow the same trend: $360 vs $395 – making Saint Andrews the more affordable choice for daily food spending.

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: $2,365 in Saint Andrews, $2,788 in Toronto – roughly 18% apart. Toronto costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $3,547 per month in Saint Andrews and $4,181 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 $2,365 in Saint Andrews and $2,788 in Toronto. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 78% 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 $2,365, than in Toronto at $2,788. 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.