Last update: Nov 2026

Cost of Living Comparison Between St John and Toronto

For one person, living is cheaper in St John: $319 a month against $2,599 in Toronto, rent and utilities included – about $27,400 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Toronto
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Toronto Living Index

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St John

🇻🇮 U.S. Virgin Islands

$319

/mo nomad

Toronto

🇨🇦 Canada

$2,599

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $319 in St John versus $2,599 in Toronto.

St John $319
Toronto $2,599

Estimated couple costs with rent: $924 in St John versus $3,700 in Toronto.

St John $924
Toronto $3,700

Monthly costs for a family of three with rent: $1,529 in St John versus $4,801 in Toronto.

St John $1,529
Toronto $4,801

Living in St John costs roughly 88% less than in Toronto.

The two cities straddle the global median: St John is 76% below, Toronto is 92% above.

Meal at Budget Restaurant

$19.79 $19.79

$17.98 CA$25.20

10.07%

Three-Course Dinner for Two, Mid-Range

$175 $175

$72.3 CA$101

142.82%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

Cappuccino

$6.97 $6.97

$4.34 CA$6.09

60.60%

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

$3.03 $3.03

$2.16 CA$3.03

40.28%

Water (0.33 liter bottle)

$2.04 $2.04

$1.66 CA$2.32

22.89%

Local Beer (0.5 liter draught)

$8.13 $8.13

$6.35 CA$8.90

28.03%

Imported Beer (0.33 liter bottle)

$8.04 $8.04

$7.34 CA$10.29

9.54%

Milk (1 liter)

$2.57 CA$3.60

White Bread (500g)

$2.71 CA$3.79

Rice (white) (1kg)

$2.28 CA$3.19

Eggs

$3.60 CA$5.05

Local Cheese (1kg)

$8.94 CA$12.54

Chicken Fillets (1kg)

$11.19 CA$15.69

Beef Round Steak (1kg)

$15.23 CA$21.34

Apples (1kg)

$3.74 CA$5.25

Banana (1kg)

$1.23 CA$1.72

Oranges (1kg)

$3.58 CA$5.02

Tomato (1kg)

$4.25 CA$5.96

Potato (1kg)

$1.94 CA$2.72

Onion (1kg)

$1.67 CA$2.34

Lettuce (1 head)

$2.30 CA$3.22

Water (1.5 liter bottle)

$1.26 CA$1.77

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

Wine (Bottle)

$14.25 CA$19.97

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

One-way Ticket (Public Transport)

$2.35 CA$3.30

Public Transport Monthly Pass (Regular Price)

$111 CA$156

Taxi Start (Normal Tariff)

$3.01 CA$4.22

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

Gasoline (1 liter)

$1.55 $1.55

$1.23 CA$1.73

26.02%

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

$27.0K CA$37.8K

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

$21.8K CA$30.6K

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

$121 CA$169

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

$33.10 CA$46.40

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

Gym Membership (Monthly)

$36.65 CA$51.4

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

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

$754 CA$1,058

International Primary School, 1 Child (Yearly)

$13.4K $13.4K

$33.7K CA$47.2K

-60.10%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

Sport Shoes (Adidas, Nike)

$101 CA$142

Men's Leather Business Shoes

$130 CA$183

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

Buy Apartment in City Center (m2)

$12.9K $12.9K

$7,730 CA$10.8K

67.10%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

Average Monthly Net Salary (After Tax)

$5,165 $5,165

$3,623 CA$5,078

42.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.05

4.45

58.43%

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

Last update for St John: November 3, 2026

Last update for Toronto: November 2, 2026

Monthly budget structure

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

Accommodation & Living

St John

–

Toronto

$1.4K 54.8%

Groceries & Markets

St John

–

Toronto

$345 13.3%

Eating Out

St John

–

Toronto

$290 11.2%

Monthly Utilities & Internet

St John

–

Toronto

$203 7.8%

Clothing & Footwear

St John

–

Toronto

$145 5.6%

Getting Around

St John

–

Toronto

$130 5%

Sport & Entertainment

St John

–

Toronto

$62 2.4%

Cost Breakdown

St John pays 43% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out at a mid-range restaurant: $175 in St John vs $72 in Toronto for two.

Good to know

🇻🇮 St John

🇨🇦 Toronto

🕒 Local time

08:49 8:49 AM

07:49 7:49 AM

1 h behind St John

🌤 Weather

👥 Population

2,743

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.713 USD

1 CAD = 0.635 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 November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

CAD to USD in detail →

On the map

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Between locations

St John Toronto 3,130 km ≈ 4 h 30 min nonstop flight

From you

St John
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 John vs Toronto: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $319 in St John and $2,599 in Toronto, so St John is about 88% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 43% higher in St John, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Dining out is cheaper in Toronto – a meal for two runs $72 versus $175 in St John. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $319 per month in St John versus $2,599 in Toronto – St John is about 88% cheaper, which adds up to real savings over time.

At $319 in St John versus $2,599 in Toronto, a $1,200 budget is realistic in St John but tight or insufficient in Toronto. The gap between the two cities makes St John 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.