Last update: Oct 2026

Cost of Living Comparison Between Saint Charles, IL and Toronto

For one person, living costs are similar in Saint Charles, IL and in Toronto: $2,710 and $2,610 a month, rent and utilities included.

132

Cost of Living Index in Saint Charles, IL
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Saint Charles, IL Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Saint Charles, IL

🇺🇸 United States

$2,710

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

A single person spends $2,710 per month in Saint Charles, IL vs $2,610 in Toronto, rent included.

Saint Charles, IL $2,710
Toronto $2,610

A couple spends around $4,230 per month in Saint Charles, IL vs $3,727 in Toronto, rent included.

Saint Charles, IL $4,230
Toronto $3,727

A family of three spends $5,749 per month in Saint Charles, IL vs $4,844 in Toronto, rent included.

Saint Charles, IL $5,749
Toronto $4,844

Saint Charles, IL costs about 4% more than Toronto, and outside of rent the biggest gap is in eating out.

Both Saint Charles, IL and Toronto sit above the global median – Saint Charles, IL by 100%, Toronto by 93%.

Meal at Budget Restaurant

$38.02 $38.02

$17.59 CA$24.87

116.15%

Three-Course Dinner for Two, Mid-Range

$99.6 $99.6

$78.8 CA$111

26.40%

Fast Food Meal (McDonalds, etc)

$10.63 $10.63

$10.73 CA$15.16

-0.93%

Cappuccino

$6.85 $6.85

$4.09 CA$5.78

67.48%

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

$3.37 $3.37

$2.10 CA$2.97

60.48%

Water (0.33 liter bottle)

$3.07 $3.07

$1.72 CA$2.43

78.49%

Local Beer (0.5 liter draught)

$7.03 $7.03

$6.36 CA$8.99

10.53%

Imported Beer (0.33 liter bottle)

$7.54 $7.54

$7.08 CA$10.01

6.50%

Milk (1 liter)

$0.98 $0.98

$2.54 CA$3.59

-61.42%

White Bread (500g)

$3.55 $3.55

$2.72 CA$3.85

30.51%

Rice (white) (1kg)

$4.23 $4.23

$2.18 CA$3.09

94.04%

Eggs

$4.57 $4.57

$3.63 CA$5.13

25.90%

Local Cheese (1kg)

$12.33 $12.33

$9.46 CA$13.37

30.34%

Chicken Fillets (1kg)

$11.47 $11.47

$11.54 CA$16.32

-0.61%

Beef Round Steak (1kg)

$12.85 $12.85

$14.37 CA$20.32

-10.58%

Apples (1kg)

$5.08 $5.08

$3.70 CA$5.23

37.30%

Banana (1kg)

$1.01 $1.01

$1.19 CA$1.68

-15.13%

Oranges (1kg)

$4.34 $4.34

$3.46 CA$4.90

25.43%

Tomato (1kg)

$4.78 $4.78

$4.22 CA$5.97

13.27%

Potato (1kg)

$2.75 $2.75

$1.79 CA$2.52

53.63%

Onion (1kg)

$3.04 $3.04

$1.65 CA$2.33

84.24%

Lettuce (1 head)

$1.57 $1.57

$2.20 CA$3.11

-28.64%

Water (1.5 liter bottle)

$2.23 $2.23

$1.26 CA$1.78

76.98%

Cigarettes 20 Pack (Marlboro, Camel)

$11.41 $11.41

$13.97 CA$19.75

-18.32%

Wine (Bottle)

$15.12 $15.12

$14.20 CA$20.07

6.48%

Local Beer (0.5 liter bottle)

$1.93 $1.93

$2.25 CA$3.18

-14.22%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$2.53 CA$3.58

36.76%

One-way Ticket (Public Transport)

$2.02 $2.02

$2.32 CA$3.28

-12.93%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.24 $3.24

$3.06 CA$4.33

5.88%

Taxi (Normal Tariff) (1km)

$1.64 $1.64

$1.22 CA$1.72

34.43%

Taxi 1hour Waiting (Normal Tariff)

$32.52 $32.52

$21.69 CA$30.66

49.93%

Gasoline (1 liter)

$0.99 $0.99

$1.21 CA$1.72

-18.18%

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

$26.0K $26.0K

$26.1K CA$37.0K

-0.54%

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

$26.1K $26.1K

$21.1K CA$29.9K

23.41%

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

$195 $195

$120 CA$169

63.37%

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

$66.6 $66.6

$32.21 CA$45.54

106.83%

Internet (50+ Mbps, Unlimited Data)

$70.9 $70.9

$48.88 CA$69.1

44.99%

Gym Membership (Monthly)

$43.09 $43.09

$39.34 CA$55.6

9.53%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$14.74 $14.74

$12.58 CA$17.79

17.17%

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

$1,358 $1,358

$832 CA$1,176

63.26%

International Primary School, 1 Child (Yearly)

$26.2K $26.2K

$23.6K CA$33.4K

11.08%

Jeans (Levis 501 Or Similar)

$51.1 $51.1

$52.3 CA$73.9

-2.26%

Summer Dress (H&M, Zara, etc)

$39.30 $39.30

$39.44 CA$55.8

-0.35%

Sport Shoes (Adidas, Nike)

$75.7 $75.7

$99.0 CA$140

-23.56%

Men's Leather Business Shoes

$131 $131

$122 CA$172

7.42%

1-bedroom Apartment, City Center (Monthly)

$1,800 $1,800

$1,631 CA$2,306

10.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,277 $1,277

$1,448 CA$2,048

-11.82%

3-bedroom Apartment, City Center (Monthly)

$2,543 $2,543

$2,737 CA$3,869

-7.08%

3-bedroom Apartment, Outside City Center (Monthly)

$2,472 $2,472

$2,129 CA$3,010

16.08%

Buy Apartment in City Center (m2)

$3,065 $3,065

$8,206 CA$11.6K

-62.65%

Buy Apartment Outside City Center (m2)

$2,620 $2,620

$6,838 CA$9,666

-61.68%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

4.47

46.98%

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

Last update for Saint Charles, IL: 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

Saint Charles, IL

$1.3K 47.1%

Toronto

$1.4K 55.5% 13.4% $171

Eating Out

Saint Charles, IL

$494 18.2%

Toronto

$283 10.9% 42.7% $211

Groceries & Markets

Saint Charles, IL

$380 14%

Toronto

$343 13.1% 9.8% $37

Monthly Utilities & Internet

Saint Charles, IL

$333 12.3%

Toronto

$201 7.7% 39.7% $132

Clothing & Footwear

Saint Charles, IL

$134 4.9%

Toronto

$141 5.4% 5.3% $7

Sport & Entertainment

Saint Charles, IL

$73 2.7%

Toronto

$65 2.5% 11.1% $8.1

Getting Around

Saint Charles, IL

$20 * 0.7%

Toronto

$130 5% 567% $111

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,800 in Saint Charles, IL versus $1,631 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 $100 in Saint Charles, IL versus $79.0 in Toronto. Monthly groceries follow the same trend: $380 vs $343 – making Toronto the more affordable choice for daily food spending.

Good to know

🇺🇸 Saint Charles, IL

🇨🇦 Toronto

🕒 Local time

16:49 4:49 PM

17:49 5:49 PM

1 h ahead of Saint Charles, IL

🌤 Weather

👥 Population

70,329

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 →

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Between locations

Saint Charles, IL Toronto 750 km ≈ 1 h 30 min nonstop flight

From you

Saint Charles, IL
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

Saint Charles, IL vs Toronto: Cost of Living - Frequently Asked Questions

Saint Charles, IL costs about 4% more than Toronto, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,065 per month in Saint Charles, IL and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toronto, 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 $2,710 in Saint Charles, IL and $2,610 in Toronto. That's a gap of about 4%.

Kindergarten costs $1,358 per month in Saint Charles, IL and $832 in Toronto. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,710 in Saint Charles, IL and $2,610 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

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

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