Last update: Oct 2026

Cost of Living Comparison Between Saratoga, CA and Toronto

For one person, living costs are similar in Saratoga, CA and in Toronto: $2,517 and $2,610 a month, rent and utilities included.

122

Cost of Living Index in Saratoga, CA
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Saratoga, CA Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Saratoga, CA

🇺🇸 United States

$2,517

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,517 in Saratoga, CA versus $2,610 in Toronto.

Saratoga, CA $2,517
Toronto $2,610

Estimated couple costs with rent: $3,732 in Saratoga, CA versus $3,727 in Toronto.

Saratoga, CA $3,732
Toronto $3,727

Monthly costs for a family of three with rent: $4,947 in Saratoga, CA versus $4,844 in Toronto.

Saratoga, CA $4,947
Toronto $4,844

Living in Saratoga, CA costs roughly 4% less than in Toronto, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Saratoga, CA 86% above, Toronto 93% above.

Meal at Budget Restaurant

$25.17 $25.17

$17.59 CA$24.87

43.09%

Three-Course Dinner for Two, Mid-Range

$110 $110

$78.8 CA$111

39.30%

Fast Food Meal (McDonalds, etc)

$13.16 $13.16

$10.73 CA$15.16

22.65%

Cappuccino

$4.98 $4.98

$4.09 CA$5.78

21.76%

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

$1.96 $1.96

$2.10 CA$2.97

-6.67%

Water (0.33 liter bottle)

$0.98 $0.98

$1.72 CA$2.43

-43.02%

Local Beer (0.5 liter draught)

$3.09 $3.09

$6.36 CA$8.99

-51.42%

Imported Beer (0.33 liter bottle)

$6.08 $6.08

$7.08 CA$10.01

-14.12%

Milk (1 liter)

$1.30 $1.30

$2.54 CA$3.59

-48.82%

White Bread (500g)

$3.39 $3.39

$2.72 CA$3.85

24.63%

Rice (white) (1kg)

$3.25 $3.25

$2.18 CA$3.09

49.08%

Eggs

$3.95 $3.95

$3.63 CA$5.13

8.82%

Local Cheese (1kg)

$5.53 $5.53

$9.46 CA$13.37

-41.54%

Chicken Fillets (1kg)

$4.35 $4.35

$11.54 CA$16.32

-62.31%

Beef Round Steak (1kg)

$10.87 $10.87

$14.37 CA$20.32

-24.36%

Apples (1kg)

$4.67 $4.67

$3.70 CA$5.23

26.22%

Banana (1kg)

$1.08 $1.08

$1.19 CA$1.68

-9.24%

Oranges (1kg)

$1.12 $1.12

$3.46 CA$4.90

-67.63%

Tomato (1kg)

$3.25 $3.25

$4.22 CA$5.97

-22.99%

Potato (1kg)

$0.76 $0.76

$1.79 CA$2.52

-57.54%

Onion (1kg)

$0.80 $0.80

$1.65 CA$2.33

-51.52%

Lettuce (1 head)

$1.23 $1.23

$2.20 CA$3.11

-44.09%

Water (1.5 liter bottle)

$1.46 $1.46

$1.26 CA$1.78

15.87%

Cigarettes 20 Pack (Marlboro, Camel)

$11.72 $11.72

$13.97 CA$19.75

-16.11%

Wine (Bottle)

$3.91 $3.91

$14.20 CA$20.07

-72.46%

Local Beer (0.5 liter bottle)

$1.74 $1.74

$2.25 CA$3.18

-22.67%

Imported Beer (0.33 liter bottle)

$4.63 $4.63

$2.53 CA$3.58

83.00%

One-way Ticket (Public Transport)

$2.03 $2.03

$2.32 CA$3.28

-12.50%

Public Transport Monthly Pass (Regular Price)

$65.9 $65.9

$112 CA$158

-41.00%

Taxi Start (Normal Tariff)

$3.51 $3.51

$3.06 CA$4.33

14.71%

Taxi (Normal Tariff) (1km)

$0.89 $0.89

$1.22 CA$1.72

-27.05%

Taxi 1hour Waiting (Normal Tariff)

$26.05 $26.05

$21.69 CA$30.66

20.10%

Gasoline (1 liter)

$1.48 $1.48

$1.21 CA$1.72

22.31%

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

$21.9K $21.9K

$26.1K CA$37.0K

-16.26%

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

$24.7K $24.7K

$21.1K CA$29.9K

16.77%

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

$288 $288

$120 CA$169

140.99%

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

$35.61 $35.61

$32.21 CA$45.54

10.56%

Internet (50+ Mbps, Unlimited Data)

$29.64 $29.64

$48.88 CA$69.1

-39.36%

Gym Membership (Monthly)

$40.95 $40.95

$39.34 CA$55.6

4.09%

Tennis Court (1 Hour on Weekend)

$15.11 $15.11

$23.58 CA$33.34

-35.92%

Cinema Ticket

$7.96 $7.96

$12.58 CA$17.79

-36.72%

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

$1,407 $1,407

$832 CA$1,176

69.19%

International Primary School, 1 Child (Yearly)

$42.0K $42.0K

$23.6K CA$33.4K

77.83%

Jeans (Levis 501 Or Similar)

$39.80 $39.80

$52.3 CA$73.9

-23.87%

Summer Dress (H&M, Zara, etc)

$25.03 $25.03

$39.44 CA$55.8

-36.54%

Sport Shoes (Adidas, Nike)

$76.1 $76.1

$99.0 CA$140

-23.16%

Men's Leather Business Shoes

$152 $152

$122 CA$172

24.44%

1-bedroom Apartment, City Center (Monthly)

$1,584 $1,584

$1,631 CA$2,306

-2.94%

1-bedroom Apartment, Outside City Center (Monthly)

$1,304 $1,304

$1,448 CA$2,048

-9.97%

3-bedroom Apartment, City Center (Monthly)

$2,492 $2,492

$2,737 CA$3,869

-8.93%

3-bedroom Apartment, Outside City Center (Monthly)

$2,139 $2,139

$2,129 CA$3,010

0.46%

Buy Apartment in City Center (m2)

$2,515 $2,515

$8,206 CA$11.6K

-69.35%

Buy Apartment Outside City Center (m2)

$2,359 $2,359

$6,838 CA$9,666

-65.51%

Average Monthly Net Salary (After Tax)

$8,088 $8,088

$3,520 CA$4,976

129.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

34.23%

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

Last update for Saratoga, CA: 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

Saratoga, CA

$1.3K 51.8%

Toronto

$1.4K 55.5% 11.1% $144

Monthly Utilities & Internet

Saratoga, CA

$354 14%

Toronto

$201 7.7% 43.2% $153

Eating Out

Saratoga, CA

$340 13.5%

Toronto

$283 10.9% 16.7% $57

Groceries & Markets

Saratoga, CA

$249 9.9%

Toronto

$343 13.1% 37.5% $94

Clothing & Footwear

Saratoga, CA

$132 5.2%

Toronto

$141 5.4% 6.9% $9

Getting Around

Saratoga, CA

$82 3.3%

Toronto

$130 5% 58.7% $48

Sport & Entertainment

Saratoga, CA

$57 2.3%

Toronto

$65 2.5% 13.4% $7.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,584 in Saratoga, CA and $1,631 in Toronto. Housing cost is often the main lever when comparing two cities.

Saratoga, CA pays 130% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $110 in Saratoga, CA vs $79.0 in Toronto. Groceries flip the comparison at $249 vs $343, with Saratoga, CA cheaper for home cooking.

Good to know

🇺🇸 Saratoga, CA

🇨🇦 Toronto

🕒 Local time

06:11 6:11 AM

09:11 9:11 AM

3 h ahead of Saratoga, CA

🌤 Weather

👥 Population

30,153

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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 22, 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

Saratoga, CA Toronto 3,640 km ≈ 5 h nonstop flight

From you

Saratoga, CA
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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

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

Saratoga, CA wins on cost – living expenses run 4% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Saratoga, CA the obvious pick if budget is a priority.

Average pay runs 130% higher in Saratoga, CA, 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: $1,584 in Saratoga, CA versus $1,631 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Saratoga, CA – a meal for two runs $110 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,517 per month in Saratoga, CA versus $2,610 in Toronto – a 4% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Saratoga, CA 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, Saratoga, CA 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 Saratoga, CA gentler on the wallet – expenses run 4% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.