Cost of Living Comparison Between St. Thomas and Montreal Cost of Living Comparison Between St. Thomas and Montreal

Monthly Cost of Living

A single person spends $2,309 per month in St. Thomas vs $2,042 in Montreal, rent included.

A couple spends around $3,403 per month in St. Thomas vs $3,163 in Montreal, rent included.

A family of three spends $4,497 per month in St. Thomas vs $4,284 in Montreal, rent included.

St. Thomas costs about 13% more than Montreal, driven mainly by Groceries & Markets.

Both St. Thomas and Montreal sit above the global median – St. Thomas by 69%, Montreal by 49%.

Meal at Budget Restaurant

$21.46 CA$30.02

$18.22 CA$25.49

17.78%

Three-Course Dinner for Two, Mid-Range

$64.5 CA$90.2

$70.6 CA$98.8

-8.69%

Fast Food Meal (McDonalds, etc)

$11.39 CA$15.94

$10.89 CA$15.23

4.59%

Cappuccino

$3.42 CA$4.79

$3.92 CA$5.49

-12.76%

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

$2.12 CA$2.97

$1.97 CA$2.76

7.61%

Water (0.33 liter bottle)

$1.64 CA$2.30

$1.59 CA$2.23

3.14%

Local Beer (0.5 liter draught)

$4.96 CA$6.94

$6.52 CA$9.12

-23.93%

Imported Beer (0.33 liter bottle)

$6.15 CA$8.60

$7.24 CA$10.13

-15.06%

Milk (1 liter)

$2.15 CA$3.01

$2.29 CA$3.20

-6.11%

White Bread (500g)

$2.73 CA$3.81

$3.11 CA$4.35

-12.22%

Rice (white) (1kg)

$3.68 CA$5.15

$3.03 CA$4.24

21.45%

Eggs

$3.19 CA$4.46

$3.59 CA$5.03

-11.14%

Local Cheese (1kg)

$9.29 CA$12.99

$14.29 CA$19.99

-34.99%

Chicken Fillets (1kg)

$16.28 CA$22.77

$11.39 CA$15.93

42.93%

Beef Round Steak (1kg)

$19.78 CA$27.67

$14.56 CA$20.37

35.85%

Apples (1kg)

$4.07 CA$5.69

$3.44 CA$4.81

18.31%

Banana (1kg)

$1.31 CA$1.84

$1.53 CA$2.14

-14.38%

Oranges (1kg)

$3.94 CA$5.51

$3.20 CA$4.48

23.12%

Tomato (1kg)

$3.96 CA$5.55

$2.89 CA$4.04

37.02%

Potato (1kg)

$3.39 CA$4.74

$1.91 CA$2.67

77.49%

Onion (1kg)

$3.17 CA$4.44

$1.80 CA$2.52

76.11%

Lettuce (1 head)

$3.03 CA$4.24

$2.56 CA$3.58

18.36%

Water (1.5 liter bottle)

$1.51 CA$2.11

$1.50 CA$2.10

0.67%

Cigarettes 20 Pack (Marlboro, Camel)

$11.36 CA$15.89

$11.68 CA$16.35

-2.74%

Wine (Bottle)

$12.82 CA$17.94

$10.62 CA$14.85

20.72%

Local Beer (0.5 liter bottle)

$2.47 CA$3.45

$2.37 CA$3.32

4.22%

Imported Beer (0.33 liter bottle)

$2.80 CA$3.91

$3.03 CA$4.24

-7.59%

One-way Ticket (Public Transport)

$2.20 CA$3.08

$2.72 CA$3.80

-19.12%

Public Transport Monthly Pass (Regular Price)

$64.9 CA$90.8

$74.2 CA$104

-12.52%

Taxi Start (Normal Tariff)

$2.45 CA$3.42

$3.19 CA$4.47

-23.20%

Taxi (Normal Tariff) (1km)

$1.70 CA$2.38

$1.45 CA$2.03

17.24%

Taxi 1hour Waiting (Normal Tariff)

$22.48 CA$31.44

$33.52 CA$46.90

-32.94%

Gasoline (1 liter)

$1.10 CA$1.54

$1.31 CA$1.83

-16.03%

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

$28.7K CA$40.2K

$28.7K CA$40.1K

0.27%

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

$20.8K CA$29.1K

$20.4K CA$28.5K

2.08%

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

$126 CA$176

$78.2 CA$109

60.60%

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

$44.17 CA$61.8

$35.53 CA$49.70

24.32%

Internet (50+ Mbps, Unlimited Data)

$57.3 CA$80.1

$43.37 CA$60.7

32.07%

Gym Membership (Monthly)

$42.42 CA$59.3

$30.84 CA$43.14

37.55%

Tennis Court (1 Hour on Weekend)

$19.75 CA$27.63

$19.99 CA$27.97

-1.20%

Cinema Ticket

$10.70 CA$14.98

$11.58 CA$16.20

-7.60%

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

$414 CA$579

$552 CA$772

-24.98%

International Primary School, 1 Child (Yearly)

$17.2K CA$24.0K

$16.5K CA$23.1K

4.06%

Jeans (Levis 501 Or Similar)

$55.1 CA$77.1

$55.4 CA$77.5

-0.52%

Summer Dress (H&M, Zara, etc)

$36.59 CA$51.2

$38.30 CA$53.6

-4.46%

Sport Shoes (Adidas, Nike)

$82.2 CA$115

$99.0 CA$138

-16.95%

Men's Leather Business Shoes

$92.8 CA$130

$104 CA$146

-11.10%

1-bedroom Apartment, City Center (Monthly)

$1,161 CA$1,625

$1,234 CA$1,726

-5.84%

1-bedroom Apartment, Outside City Center (Monthly)

$1,104 CA$1,544

$990 CA$1,385

11.46%

3-bedroom Apartment, City Center (Monthly)

$2,063 CA$2,886

$2,171 CA$3,037

-4.95%

3-bedroom Apartment, Outside City Center (Monthly)

$1,611 CA$2,253

$1,636 CA$2,289

-1.54%

Buy Apartment in City Center (m2)

$4,240 CA$5,931

$5,129 CA$7,176

-17.35%

Buy Apartment Outside City Center (m2)

$3,630 CA$5,078

$3,724 CA$5,209

-2.53%

Average Monthly Net Salary (After Tax)

$3,089 CA$4,322

$3,059 CA$4,279

0.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.99

4.44

12.39%

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

Last update for St. Thomas: September 15, 2026

Last update for Montreal: September 13, 2026

Cost Breakdown

A central one-bedroom costs $1,161 in St. Thomas versus $1,234 in Montreal. 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 1% higher in St. Thomas, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $64.0 in St. Thomas versus $71.0 in Montreal. Groceries tell a different story – $399 in St. Thomas vs $354 in Montreal – so Montreal wins on supermarket bills even if dining out costs more.

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. Thomas vs Montreal: Cost of Living - Frequently Asked Questions

St. Thomas costs about 13% more than Montreal, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,464 per month in St. Thomas and $3,063 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montreal, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 13% more in St. Thomas, 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 $64.0 in St. Thomas and $71.0 in Montreal. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,042, than in St. Thomas at $2,309. In Montreal it covers expenses comfortably, while in St. Thomas it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,042 versus $2,309 in St. Thomas. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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