Last update: Oct 2026

Cost of Living Comparison Between Saint Cloud, MN and Toronto

For one person, living is cheaper in Saint Cloud, MN: $1,891 a month against $2,561 in Toronto, rent and utilities included – about $8,000 less a year. Rent and utilities account for most of the difference.

91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Saint Cloud, MN

🇺🇸 United States

$1,891

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,891 in Saint Cloud, MN versus $2,561 in Toronto.

Saint Cloud, MN $1,891
Toronto $2,561

Estimated couple costs with rent: $2,697 in Saint Cloud, MN versus $3,694 in Toronto.

Saint Cloud, MN $2,697
Toronto $3,694

Monthly costs for a family of three with rent: $3,502 in Saint Cloud, MN versus $4,826 in Toronto.

Saint Cloud, MN $3,502
Toronto $4,826

Living in Saint Cloud, MN costs roughly 26% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Saint Cloud, MN 40% above, Toronto 90% above.

Meal at Budget Restaurant

$14.94 $14.94

$17.18 CA$24.29

-13.04%

Three-Course Dinner for Two, Mid-Range

$40.42 $40.42

$76.0 CA$107

-46.79%

Fast Food Meal (McDonalds, etc)

$8.45 $8.45

$10.54 CA$14.89

-19.83%

Cappuccino

$4.61 $4.61

$4.02 CA$5.68

14.68%

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

$2.88 $2.88

$2.12 CA$3.00

35.85%

Water (0.33 liter bottle)

$2.17 $2.17

$1.75 CA$2.48

24.00%

Local Beer (0.5 liter draught)

$5.98 $5.98

$6.24 CA$8.83

-4.17%

Imported Beer (0.33 liter bottle)

$5.09 $5.09

$7.09 CA$10.02

-28.21%

Milk (1 liter)

$0.90 $0.90

$2.44 CA$3.45

-63.11%

White Bread (500g)

$1.48 $1.48

$2.68 CA$3.78

-44.78%

Rice (white) (1kg)

$1.90 $1.90

$2.24 CA$3.17

-15.18%

Eggs

$3.79 $3.79

$3.56 CA$5.03

6.46%

Local Cheese (1kg)

$9.60 $9.60

$9.09 CA$12.85

5.61%

Chicken Fillets (1kg)

$6.66 $6.66

$11.33 CA$16.01

-41.22%

Beef Round Steak (1kg)

$18.94 $18.94

$14.53 CA$20.55

30.35%

Apples (1kg)

$3.71 $3.71

$3.62 CA$5.12

2.49%

Banana (1kg)

$1.09 $1.09

$1.21 CA$1.72

-9.92%

Oranges (1kg)

$2.78 $2.78

$3.60 CA$5.09

-22.78%

Tomato (1kg)

$3.49 $3.49

$4.21 CA$5.96

-17.10%

Potato (1kg)

$2.05 $2.05

$1.79 CA$2.53

14.53%

Onion (1kg)

$2.94 $2.94

$1.59 CA$2.25

84.91%

Lettuce (1 head)

$1.94 $1.94

$2.27 CA$3.21

-14.54%

Water (1.5 liter bottle)

$2.96 $2.96

$1.25 CA$1.77

136.80%

Cigarettes 20 Pack (Marlboro, Camel)

$11.21 $11.21

$13.82 CA$19.53

-18.89%

Wine (Bottle)

$14.71 $14.71

$14.27 CA$20.18

3.08%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.20 CA$3.10

-22.73%

Imported Beer (0.33 liter bottle)

$3.04 $3.04

$2.43 CA$3.44

25.10%

One-way Ticket (Public Transport)

$1.70 $1.70

$2.39 CA$3.38

-28.87%

Public Transport Monthly Pass (Regular Price)

$61.2 $61.2

$111 CA$157

-44.87%

Taxi Start (Normal Tariff)

$3.44 $3.44

$2.91 CA$4.12

18.21%

Taxi (Normal Tariff) (1km)

$0.79 $0.79

$1.20 CA$1.69

-34.17%

Taxi 1hour Waiting (Normal Tariff)

$11.76 $11.76

$21.38 CA$30.23

-45.00%

Gasoline (1 liter)

$0.89 $0.89

$1.21 CA$1.71

-26.45%

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

$30.0K $30.0K

$28.2K CA$39.8K

6.52%

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

$23.7K $23.7K

$20.3K CA$28.6K

16.96%

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

$122 $122

$120 CA$170

1.26%

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

$45.73 $45.73

$32.26 CA$45.60

41.75%

Internet (50+ Mbps, Unlimited Data)

$44.69 $44.69

$47.93 CA$67.8

-6.76%

Gym Membership (Monthly)

$24.96 $24.96

$38.48 CA$54.4

-35.14%

Tennis Court (1 Hour on Weekend)

$27.73 $27.73

$22.96 CA$32.46

20.78%

Cinema Ticket

$11.80 $11.80

$12.38 CA$17.50

-4.68%

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

$1,721 $1,721

$830 CA$1,173

107.42%

International Primary School, 1 Child (Yearly)

$5,918 $5,918

$23.1K CA$32.6K

-74.37%

Jeans (Levis 501 Or Similar)

$56.5 $56.5

$50.7 CA$71.7

11.48%

Summer Dress (H&M, Zara, etc)

$50.3 $50.3

$40.02 CA$56.6

25.56%

Sport Shoes (Adidas, Nike)

$72.6 $72.6

$98.0 CA$139

-25.92%

Men's Leather Business Shoes

$80.3 $80.3

$121 CA$171

-33.49%

1-bedroom Apartment, City Center (Monthly)

$913 $913

$1,592 CA$2,251

-42.67%

1-bedroom Apartment, Outside City Center (Monthly)

$859 $859

$1,410 CA$1,994

-39.10%

3-bedroom Apartment, City Center (Monthly)

$1,409 $1,409

$2,670 CA$3,775

-47.22%

3-bedroom Apartment, Outside City Center (Monthly)

$1,255 $1,255

$2,152 CA$3,042

-41.65%

Buy Apartment in City Center (m2)

$2,038 $2,038

$7,945 CA$11.2K

-74.35%

Buy Apartment Outside City Center (m2)

$1,772 $1,772

$6,542 CA$9,249

-72.92%

Average Monthly Net Salary (After Tax)

$3,949 $3,949

$3,727 CA$5,269

5.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

4.47

47.87%

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

Last update for Saint Cloud, MN: October 11, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Saint Cloud, MN

$859 45.4%

Toronto

$1.4K 55.1% 64.2% $551

Groceries & Markets

Saint Cloud, MN

$318 16.8%

Toronto

$340 13.3% 6.7% $21

Eating Out

Saint Cloud, MN

$261 13.8%

Toronto

$278 10.9% 6.7% $18

Monthly Utilities & Internet

Saint Cloud, MN

$212 11.2%

Toronto

$201 7.8% 5.5% $12

Clothing & Footwear

Saint Cloud, MN

$117 6.2%

Toronto

$139 5.4% 19.2% $22

Getting Around

Saint Cloud, MN

$75 4%

Toronto

$129 5.1% 71.7% $54

Sport & Entertainment

Saint Cloud, MN

$49 2.6%

Toronto

$63 2.5% 30.2% $15

Cost Breakdown

A one-bedroom apartment in the center runs $913 in Saint Cloud, MN and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Saint Cloud, MN pays 6% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $40.00 in Saint Cloud, MN vs $76.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $318 vs $340 per month, with Saint Cloud, MN cheaper across the board.

Good to know

🇺🇸 Saint Cloud, MN

🇨🇦 Toronto

🕒 Local time

12:04 12:04 PM

13:04 1:04 PM

1 h ahead of Saint Cloud, MN

🌤 Weather

👥 Population

67,109

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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 19, 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 Cloud, MN Toronto 1,190 km ≈ 2 h nonstop flight

From you

Saint Cloud, MN
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 Cloud, MN vs Toronto: Cost of Living - Frequently Asked Questions

Saint Cloud, MN and Toronto differ by about 35% in total monthly costs ($1,891 vs $2,561 including rent). Saint Cloud, MN is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 6% higher in Saint Cloud, MN, 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: $913 in Saint Cloud, MN versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,891 per month in Saint Cloud, MN versus $2,561 in Toronto – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Saint Cloud, MN runs roughly 81% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,891 in Saint Cloud, MN versus $2,561 in Toronto, a $3,000 budget is realistic in Saint Cloud, MN but tight or insufficient in Toronto. The gap between the two cities makes Saint Cloud, MN the clear choice for anyone on this budget.

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 Saint Cloud, MN gentler on the wallet – expenses run 35% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.