Last update: Oct 2026

Cost of Living Comparison Between Saint Charles, MO and Toronto

For one person, living is cheaper in Saint Charles, MO: $2,184 a month against $2,610 in Toronto, rent and utilities included – about $5,100 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

106

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

Cost of Living Index in Toronto
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Toronto Living Index

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Saint Charles, MO

🇺🇸 United States

$2,184

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,184 in Saint Charles, MO versus $2,610 in Toronto.

Saint Charles, MO $2,184
Toronto $2,610

Estimated couple costs with rent: $3,474 in Saint Charles, MO versus $3,727 in Toronto.

Saint Charles, MO $3,474
Toronto $3,727

Monthly costs for a family of three with rent: $4,763 in Saint Charles, MO versus $4,844 in Toronto.

Saint Charles, MO $4,763
Toronto $4,844

Living in Saint Charles, MO costs roughly 16% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Saint Charles, MO 61% above, Toronto 93% above.

Meal at Budget Restaurant

$14.80 $14.80

$17.59 CA$24.87

-15.86%

Three-Course Dinner for Two, Mid-Range

$60.0 $60.0

$78.8 CA$111

-23.83%

Fast Food Meal (McDonalds, etc)

$11.83 $11.83

$10.73 CA$15.16

10.25%

Cappuccino

$4.84 $4.84

$4.09 CA$5.78

18.34%

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

$2.61 $2.61

$2.10 CA$2.97

24.29%

Water (0.33 liter bottle)

$1.85 $1.85

$1.72 CA$2.43

7.56%

Local Beer (0.5 liter draught)

$5.06 $5.06

$6.36 CA$8.99

-20.44%

Imported Beer (0.33 liter bottle)

$6.15 $6.15

$7.08 CA$10.01

-13.14%

Milk (1 liter)

$0.75 $0.75

$2.54 CA$3.59

-70.47%

White Bread (500g)

$2.60 $2.60

$2.72 CA$3.85

-4.41%

Rice (white) (1kg)

$6.27 $6.27

$2.18 CA$3.09

187.61%

Eggs

$3.12 $3.12

$3.63 CA$5.13

-14.05%

Local Cheese (1kg)

$9.38 $9.38

$9.46 CA$13.37

-0.85%

Chicken Fillets (1kg)

$6.51 $6.51

$11.54 CA$16.32

-43.59%

Beef Round Steak (1kg)

$24.11 $24.11

$14.37 CA$20.32

67.78%

Apples (1kg)

$3.71 $3.71

$3.70 CA$5.23

0.27%

Banana (1kg)

$2.16 $2.16

$1.19 CA$1.68

81.51%

Oranges (1kg)

$10.18 $10.18

$3.46 CA$4.90

194.22%

Tomato (1kg)

$5.12 $5.12

$4.22 CA$5.97

21.33%

Potato (1kg)

$3.62 $3.62

$1.79 CA$2.52

102.23%

Onion (1kg)

$3.71 $3.71

$1.65 CA$2.33

124.85%

Lettuce (1 head)

$2.11 $2.11

$2.20 CA$3.11

-4.09%

Water (1.5 liter bottle)

$2.16 $2.16

$1.26 CA$1.78

71.43%

Cigarettes 20 Pack (Marlboro, Camel)

$11.14 $11.14

$13.97 CA$19.75

-20.26%

Wine (Bottle)

$12.02 $12.02

$14.20 CA$20.07

-15.35%

Local Beer (0.5 liter bottle)

$1.89 $1.89

$2.25 CA$3.18

-16.00%

Imported Beer (0.33 liter bottle)

$2.57 $2.57

$2.53 CA$3.58

1.58%

One-way Ticket (Public Transport)

$4.90 $4.90

$2.32 CA$3.28

111.21%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.05 $3.05

$3.06 CA$4.33

-0.33%

Taxi (Normal Tariff) (1km)

$1.69 $1.69

$1.22 CA$1.72

38.52%

Taxi 1hour Waiting (Normal Tariff)

$49.89 $49.89

$21.69 CA$30.66

130.01%

Gasoline (1 liter)

$0.91 $0.91

$1.21 CA$1.72

-24.79%

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

$27.5K $27.5K

$26.1K CA$37.0K

5.33%

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

$26.6K $26.6K

$21.1K CA$29.9K

26.08%

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

$334 $334

$120 CA$169

179.60%

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

$61.0 $61.0

$32.21 CA$45.54

89.41%

Internet (50+ Mbps, Unlimited Data)

$75.5 $75.5

$48.88 CA$69.1

54.50%

Gym Membership (Monthly)

$49.26 $49.26

$39.34 CA$55.6

25.22%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$11.93 $11.93

$12.58 CA$17.79

-5.17%

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

$980 $980

$832 CA$1,176

17.84%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

Jeans (Levis 501 Or Similar)

$68.9 $68.9

$52.3 CA$73.9

31.73%

Summer Dress (H&M, Zara, etc)

$42.64 $42.64

$39.44 CA$55.8

8.11%

Sport Shoes (Adidas, Nike)

$78.6 $78.6

$99.0 CA$140

-20.58%

Men's Leather Business Shoes

$160 $160

$122 CA$172

31.55%

1-bedroom Apartment, City Center (Monthly)

$1,479 $1,479

$1,631 CA$2,306

-9.36%

1-bedroom Apartment, Outside City Center (Monthly)

$790 $790

$1,448 CA$2,048

-45.42%

3-bedroom Apartment, City Center (Monthly)

$1,970 $1,970

$2,737 CA$3,869

-28.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,917 $1,917

$2,129 CA$3,010

-9.95%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

Average Monthly Net Salary (After Tax)

$4,223 $4,223

$3,520 CA$4,976

19.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.58

4.47

47.20%

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

Last update for Saint Charles, MO: October 18, 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, MO

$790 36.2%

Toronto

$1.4K 55.5% 83.2% $658

Monthly Utilities & Internet

Saint Charles, MO

$471 21.6%

Toronto

$201 7.7% 57.4% $270

Groceries & Markets

Saint Charles, MO

$393 18%

Toronto

$343 13.1% 12.8% $50

Eating Out

Saint Charles, MO

$267 12.3%

Toronto

$283 10.9% 5.9% $16

Clothing & Footwear

Saint Charles, MO

$158 7.2%

Toronto

$141 5.4% 10.8% $17

Sport & Entertainment

Saint Charles, MO

$73 3.4%

Toronto

$65 2.5% 11.8% $8.6

Getting Around

Saint Charles, MO

$31 * 1.4%

Toronto

$130 5% 318% $99

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,479 in Saint Charles, MO and $1,631 in Toronto. Housing cost is often the main lever when comparing two cities.

Saint Charles, MO pays 20% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $60.0 in Saint Charles, MO vs $79.0 in Toronto. Groceries flip the comparison at $393 vs $343, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Saint Charles, MO

🇨🇦 Toronto

🕒 Local time

11:15 11:15 AM

12:15 12:15 PM

1 h ahead of Saint Charles, MO

🌤 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 →

On the map

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Between locations

Saint Charles, MO Toronto 1,070 km ≈ 1 h 45 min nonstop flight

From you

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

Saint Charles, MO and Toronto differ by about 20% in total monthly costs ($2,184 vs $2,610 including rent). Saint Charles, MO is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 20% higher in Saint Charles, MO, 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: $1,479 in Saint Charles, MO versus $1,631 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 15% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,184 per month in Saint Charles, MO versus $2,610 in Toronto – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Saint Charles, MO 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.

Safety-wise, Saint Charles, MO and Toronto are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Saint Charles, MO gentler on the wallet – expenses run 20% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.