Last update: Oct 2026

Cost of Living Comparison Between San Bernardino, CA and Toronto

For one person, living is cheaper in Toronto: $2,530 a month against $2,815 in San Bernardino, CA, rent and utilities included – about $3,400 less a year. Rent and utilities account for most of the difference.

139

Cost of Living Index in San Bernardino, CA
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San Bernardino, CA Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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San Bernardino, CA

🇺🇸 United States

$2,815

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

A single person spends $2,815 per month in San Bernardino, CA vs $2,530 in Toronto, rent included.

San Bernardino, CA $2,815
Toronto $2,530

A couple spends around $4,351 per month in San Bernardino, CA vs $3,646 in Toronto, rent included.

San Bernardino, CA $4,351
Toronto $3,646

A family of three spends $5,888 per month in San Bernardino, CA vs $4,761 in Toronto, rent included.

San Bernardino, CA $5,888
Toronto $4,761

San Bernardino, CA costs about 11% more than Toronto, and outside of rent the biggest gap is in eating out.

Both San Bernardino, CA and Toronto sit above the global median – San Bernardino, CA by 110%, Toronto by 89%.

Meal at Budget Restaurant

$19.93 $19.93

$17.67 CA$25.19

12.79%

Three-Course Dinner for Two, Mid-Range

$76.0 $76.0

$77.4 CA$110

-1.76%

Fast Food Meal (McDonalds, etc)

$16.81 $16.81

$10.47 CA$14.93

60.55%

Cappuccino

$5.95 $5.95

$4.08 CA$5.82

45.83%

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

$3.41 $3.41

$2.12 CA$3.02

60.85%

Water (0.33 liter bottle)

$2.36 $2.36

$1.76 CA$2.51

34.09%

Local Beer (0.5 liter draught)

$7.04 $7.04

$6.17 CA$8.80

14.10%

Imported Beer (0.33 liter bottle)

$9.68 $9.68

$6.89 CA$9.83

40.49%

Milk (1 liter)

$1.09 $1.09

$2.43 CA$3.47

-55.14%

White Bread (500g)

$4.16 $4.16

$2.75 CA$3.92

51.27%

Rice (white) (1kg)

$4.69 $4.69

$2.23 CA$3.18

110.31%

Eggs

$4.75 $4.75

$3.45 CA$4.91

37.68%

Local Cheese (1kg)

$13.00 $13.00

$8.93 CA$12.74

45.58%

Chicken Fillets (1kg)

$8.97 $8.97

$11.44 CA$16.31

-21.59%

Beef Round Steak (1kg)

$15.13 $15.13

$14.61 CA$20.83

3.56%

Apples (1kg)

$4.87 $4.87

$3.75 CA$5.34

29.87%

Banana (1kg)

$1.84 $1.84

$1.15 CA$1.64

60.00%

Oranges (1kg)

$3.96 $3.96

$3.55 CA$5.06

11.55%

Tomato (1kg)

$5.53 $5.53

$4.28 CA$6.11

29.21%

Potato (1kg)

$3.78 $3.78

$1.85 CA$2.63

104.32%

Onion (1kg)

$2.23 $2.23

$1.67 CA$2.38

33.53%

Lettuce (1 head)

$1.98 $1.98

$2.22 CA$3.16

-10.81%

Water (1.5 liter bottle)

$1.83 $1.83

$1.21 CA$1.72

51.24%

Cigarettes 20 Pack (Marlboro, Camel)

$11.70 $11.70

$13.88 CA$19.79

-15.71%

Wine (Bottle)

$14.72 $14.72

$14.25 CA$20.32

3.30%

Local Beer (0.5 liter bottle)

$2.16 $2.16

$2.20 CA$3.13

-1.82%

Imported Beer (0.33 liter bottle)

$4.37 $4.37

$2.42 CA$3.45

80.58%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.42 CA$3.45

-19.01%

Public Transport Monthly Pass (Regular Price)

$58.3 $58.3

$111 CA$158

-47.32%

Taxi Start (Normal Tariff)

$9.99 $9.99

$2.90 CA$4.13

244.48%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.41

Gasoline (1 liter)

$1.47 $1.47

$1.22 CA$1.74

20.49%

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

$37.0K $37.0K

$27.6K CA$39.4K

33.95%

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

$25.4K $25.4K

$19.8K CA$28.3K

28.06%

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

$221 $221

$122 CA$174

81.60%

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

$67.6 $67.6

$32.03 CA$45.67

111.15%

Internet (50+ Mbps, Unlimited Data)

$73.4 $73.4

$47.92 CA$68.3

53.21%

Gym Membership (Monthly)

$40.32 $40.32

$38.90 CA$55.5

3.65%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.13

Cinema Ticket

$15.23 $15.23

$12.61 CA$17.98

20.78%

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

$1,171 $1,171

$834 CA$1,189

40.37%

International Primary School, 1 Child (Yearly)

$17.4K $17.4K

$23.3K CA$33.3K

-25.33%

Jeans (Levis 501 Or Similar)

$62.3 $62.3

$52.6 CA$75.0

18.44%

Summer Dress (H&M, Zara, etc)

$47.93 $47.93

$40.26 CA$57.4

19.05%

Sport Shoes (Adidas, Nike)

$105 $105

$96.2 CA$137

9.66%

Men's Leather Business Shoes

$148 $148

$123 CA$175

20.08%

1-bedroom Apartment, City Center (Monthly)

$1,819 $1,819

$1,598 CA$2,279

13.83%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 $1,448

$1,435 CA$2,046

0.89%

3-bedroom Apartment, City Center (Monthly)

$2,589 $2,589

$2,657 CA$3,788

-2.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,754 $2,754

$2,096 CA$2,989

31.40%

Buy Apartment in City Center (m2)

$3,645 $3,645

$8,033 CA$11.5K

-54.63%

Buy Apartment Outside City Center (m2)

$3,609 $3,609

$6,557 CA$9,350

-44.96%

Average Monthly Net Salary (After Tax)

$3,444 $3,444

$3,743 CA$5,337

-7.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.39

4.47

42.95%

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

Last update for San Bernardino, CA: October 5, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Accommodation & Living

San Bernardino, CA

$1.4K 50.4%

Toronto

$1.4K 55.4% 0.9% $13

Groceries & Markets

San Bernardino, CA

$393 13.7%

Toronto

$340 13.1% 13.4% $53

Monthly Utilities & Internet

San Bernardino, CA

$362 12.6%

Toronto

$202 7.8% 44.3% $161

Eating Out

San Bernardino, CA

$359 12.5%

Toronto

$282 10.9% 21.5% $77

Clothing & Footwear

San Bernardino, CA

$164 5.7%

Toronto

$140 5.4% 14.1% $23

Getting Around

San Bernardino, CA

$76 * 2.7%

Toronto

$130 5% 70.2% $53

Sport & Entertainment

San Bernardino, CA

$71 2.5%

Toronto

$64 2.5% 9.4% $6.7

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

Cost Breakdown

A central one-bedroom costs $1,819 in San Bernardino, CA versus $1,598 in Toronto. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 9% higher in Toronto, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $76.0 in San Bernardino, CA versus $77.0 in Toronto. Groceries tell a different story – $393 in San Bernardino, CA vs $340 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 San Bernardino, CA

🇨🇦 Toronto

🕒 Local time

20:57 8:57 PM

23:57 11:57 PM

3 h ahead of San Bernardino, CA

🌤 Weather

👥 Population

220,000

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.701 USD

1 CAD = 0.626 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 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 12, 2026: 1 USD = 1.43 CAD (1 CAD = 0.701 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

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Between locations

San Bernardino, CA Toronto 3,410 km ≈ 4 h 45 min nonstop flight

From you

San Bernardino, CA
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

San Bernardino, CA vs Toronto: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,815 in San Bernardino, CA, $2,530 in Toronto – roughly 11% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $4,222 per month in San Bernardino, CA and $3,795 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.

Groceries cost about 16% more in San Bernardino, CA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $76.0 in San Bernardino, CA and $77.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,815 in San Bernardino, CA and $2,530 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.

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