Last update: Oct 2026

Cost of Living Comparison Between St. Cloud, MN and Toronto

For one person, living is cheaper in St. Cloud, MN: $1,929 a month against $2,530 in Toronto, rent and utilities included – about $7,200 less a year. Rent and utilities account for most of the difference.

94

Cost of Living Index in St. Cloud, MN
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St. Cloud, MN Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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St. Cloud, MN

🇺🇸 United States

$1,929

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,929 in St. Cloud, MN versus $2,530 in Toronto.

St. Cloud, MN $1,929
Toronto $2,530

Estimated couple costs with rent: $3,044 in St. Cloud, MN versus $3,646 in Toronto.

St. Cloud, MN $3,044
Toronto $3,646

Monthly costs for a family of three with rent: $4,158 in St. Cloud, MN versus $4,761 in Toronto.

St. Cloud, MN $4,158
Toronto $4,761

Living in St. Cloud, MN costs roughly 24% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: St. Cloud, MN 44% above, Toronto 89% above.

Meal at Budget Restaurant

$20.17 $20.17

$17.67 CA$25.19

14.15%

Three-Course Dinner for Two, Mid-Range

$74.1 $74.1

$77.4 CA$110

-4.23%

Fast Food Meal (McDonalds, etc)

$11.08 $11.08

$10.47 CA$14.93

5.83%

Cappuccino

$5.87 $5.87

$4.08 CA$5.82

43.87%

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

$2.81 $2.81

$2.12 CA$3.02

32.55%

Water (0.33 liter bottle)

$2.46 $2.46

$1.76 CA$2.51

39.77%

Local Beer (0.5 liter draught)

$6.86 $6.86

$6.17 CA$8.80

11.18%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$6.89 CA$9.83

17.27%

Milk (1 liter)

$0.76 $0.76

$2.43 CA$3.47

-68.72%

White Bread (500g)

$2.79 $2.79

$2.75 CA$3.92

1.45%

Rice (white) (1kg)

$3.28 $3.28

$2.23 CA$3.18

47.09%

Eggs

$2.31 $2.31

$3.45 CA$4.91

-33.04%

Local Cheese (1kg)

$4.83 $4.83

$8.93 CA$12.74

-45.91%

Chicken Fillets (1kg)

$9.61 $9.61

$11.44 CA$16.31

-16.00%

Beef Round Steak (1kg)

$17.95 $17.95

$14.61 CA$20.83

22.86%

Apples (1kg)

$3.80 $3.80

$3.75 CA$5.34

1.33%

Banana (1kg)

$1.29 $1.29

$1.15 CA$1.64

12.17%

Oranges (1kg)

$3.39 $3.39

$3.55 CA$5.06

-4.51%

Tomato (1kg)

$2.16 $2.16

$4.28 CA$6.11

-49.53%

Potato (1kg)

$0.79 $0.79

$1.85 CA$2.63

-57.30%

Onion (1kg)

$1.67 $1.67

$1.67 CA$2.38

Lettuce (1 head)

$2.03 $2.03

$2.22 CA$3.16

-8.56%

Water (1.5 liter bottle)

$1.83 $1.83

$1.21 CA$1.72

51.24%

Cigarettes 20 Pack (Marlboro, Camel)

$9.97 $9.97

$13.88 CA$19.79

-28.17%

Wine (Bottle)

$11.87 $11.87

$14.25 CA$20.32

-16.70%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.20 CA$3.13

-19.09%

Imported Beer (0.33 liter bottle)

$3.27 $3.27

$2.42 CA$3.45

35.12%

One-way Ticket (Public Transport)

$2.07 $2.07

$2.42 CA$3.45

-14.46%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$3.01 $3.01

$2.90 CA$4.13

3.79%

Taxi (Normal Tariff) (1km)

$1.93 $1.93

$1.26 CA$1.80

53.17%

Taxi 1hour Waiting (Normal Tariff)

$32.78 $32.78

$22.03 CA$31.41

48.80%

Gasoline (1 liter)

$0.88 $0.88

$1.22 CA$1.74

-27.87%

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

$32.4K $32.4K

$27.6K CA$39.4K

17.42%

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

$22.5K $22.5K

$19.8K CA$28.3K

13.70%

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

$168 $168

$122 CA$174

38.08%

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

$45.83 $45.83

$32.03 CA$45.67

43.08%

Internet (50+ Mbps, Unlimited Data)

$44.18 $44.18

$47.92 CA$68.3

-7.80%

Gym Membership (Monthly)

$41.54 $41.54

$38.90 CA$55.5

6.79%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.13

Cinema Ticket

$14.03 $14.03

$12.61 CA$17.98

11.26%

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

$1,697 $1,697

$834 CA$1,189

103.50%

International Primary School, 1 Child (Yearly)

$24.3K $24.3K

$23.3K CA$33.3K

4.33%

Jeans (Levis 501 Or Similar)

$62.6 $62.6

$52.6 CA$75.0

18.94%

Summer Dress (H&M, Zara, etc)

$62.2 $62.2

$40.26 CA$57.4

54.50%

Sport Shoes (Adidas, Nike)

$73.9 $73.9

$96.2 CA$137

-23.21%

Men's Leather Business Shoes

$85.4 $85.4

$123 CA$175

-30.58%

1-bedroom Apartment, City Center (Monthly)

$992 $992

$1,598 CA$2,279

-37.89%

1-bedroom Apartment, Outside City Center (Monthly)

$819 $819

$1,435 CA$2,046

-42.93%

3-bedroom Apartment, City Center (Monthly)

$1,892 $1,892

$2,657 CA$3,788

-28.79%

3-bedroom Apartment, Outside City Center (Monthly)

$1,626 $1,626

$2,096 CA$2,989

-22.42%

Buy Apartment in City Center (m2)

$2,638 $2,638

$8,033 CA$11.5K

-67.16%

Buy Apartment Outside City Center (m2)

$2,594 $2,594

$6,557 CA$9,350

-60.44%

Average Monthly Net Salary (After Tax)

$6,096 $6,096

$3,743 CA$5,337

62.86%

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 St. Cloud, MN: 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

St. Cloud, MN

$819 42.4%

Toronto

$1.4K 55.4% 75.2% $616

Eating Out

St. Cloud, MN

$337 17.4%

Toronto

$282 10.9% 16.3% $55

Groceries & Markets

St. Cloud, MN

$300 15.5%

Toronto

$340 13.1% 13.3% $40

Monthly Utilities & Internet

St. Cloud, MN

$258 13.4%

Toronto

$202 7.8% 21.9% $56

Clothing & Footwear

St. Cloud, MN

$128 6.6%

Toronto

$140 5.4% 9.9% $13

Sport & Entertainment

St. Cloud, MN

$70 3.6%

Toronto

$64 2.5% 7.9% $5.5

Getting Around

St. Cloud, MN

$21 * 1.1%

Toronto

$130 5% 519% $109

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 $992 in St. Cloud, MN and $1,598 in Toronto. Housing cost is often the main lever when comparing two cities.

St. Cloud, MN pays 63% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $74.0 in St. Cloud, MN vs $77.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $300 vs $340 per month, with St. Cloud, MN cheaper across the board.

Good to know

🇺🇸 St. Cloud, MN

🇨🇦 Toronto

🕒 Local time

02:41 2:41 AM

03:41 3:41 AM

1 h ahead of St. Cloud, MN

🌤 Weather

👥 Population

65,842

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

St. Cloud, MN Toronto 1,190 km ≈ 2 h nonstop flight

From you

St. 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

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

St. Cloud, MN is cheaper overall, especially in groceries, clothing, and transport. The 31% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 63% higher in St. 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: $992 in St. Cloud, MN versus $1,598 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,697 in St. Cloud, MN versus $834 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in St. Cloud, MN – a meal for two runs $74.0 versus $77.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,929 in St. Cloud, MN versus $2,530 in Toronto, a $2,500 budget is realistic in St. Cloud, MN but tight or insufficient in Toronto. The gap between the two cities makes St. 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 St. Cloud, MN gentler on the wallet – expenses run 31% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.