Last update: Nov 2026

Cost of Living Comparison Between St Thomas, U.S. Virgin Islands and Toronto

For one person, living is cheaper in Toronto: $2,599 a month against $4,375 in St Thomas, rent and utilities included – about $21,300 less a year. Other living expenses account for most of the difference.

210

Cost of Living Index in St Thomas
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St Thomas Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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St Thomas

🇻🇮 U.S. Virgin Islands

$4,375

/mo nomad

Toronto

🇨🇦 Canada

$2,599

/mo nomad

Monthly Cost of Living

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

A single person spends $4,375 per month in St Thomas vs $2,599 in Toronto, rent included.

St Thomas $4,375
Toronto $2,599

A couple spends around $7,200 per month in St Thomas vs $3,700 in Toronto, rent included.

St Thomas $7,200
Toronto $3,700

A family of three spends $10.0K per month in St Thomas vs $4,801 in Toronto, rent included.

St Thomas $10.0K
Toronto $4,801

St Thomas costs about 68% more than Toronto, and outside of rent the biggest gap is in groceries.

Both St Thomas and Toronto sit above the global median – St Thomas by 224%, Toronto by 92%.

Meal at Budget Restaurant

$22.37 $22.37

$17.98 CA$25.20

24.42%

Three-Course Dinner for Two, Mid-Range

$167 $167

$72.3 CA$101

131.35%

Fast Food Meal (McDonalds, etc)

$13.67 $13.67

$10.83 CA$15.18

26.22%

Cappuccino

$5.86 $5.86

$4.34 CA$6.09

35.02%

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

$4.11 $4.11

$2.16 CA$3.03

90.28%

Water (0.33 liter bottle)

$3.40 $3.40

$1.66 CA$2.32

104.82%

Local Beer (0.5 liter draught)

$4.94 $4.94

$6.35 CA$8.90

-22.20%

Imported Beer (0.33 liter bottle)

$6.95 $6.95

$7.34 CA$10.29

-5.31%

Milk (1 liter)

$2.83 $2.83

$2.57 CA$3.60

10.12%

White Bread (500g)

$6.51 $6.51

$2.71 CA$3.79

140.22%

Rice (white) (1kg)

$18.92 $18.92

$2.28 CA$3.19

729.82%

Eggs

$8.96 $8.96

$3.60 CA$5.05

148.89%

Local Cheese (1kg)

$11.53 $11.53

$8.94 CA$12.54

28.97%

Chicken Fillets (1kg)

$28.41 $28.41

$11.19 CA$15.69

153.89%

Beef Round Steak (1kg)

$39.70 $39.70

$15.23 CA$21.34

160.67%

Apples (1kg)

$12.31 $12.31

$3.74 CA$5.25

229.14%

Banana (1kg)

$10.80 $10.80

$1.23 CA$1.72

778.05%

Oranges (1kg)

$12.27 $12.27

$3.58 CA$5.02

242.74%

Tomato (1kg)

$20.18 $20.18

$4.25 CA$5.96

374.82%

Potato (1kg)

$1.96 $1.96

$1.94 CA$2.72

1.03%

Onion (1kg)

$8.78 $8.78

$1.67 CA$2.34

425.75%

Lettuce (1 head)

$7.91 $7.91

$2.30 CA$3.22

243.91%

Water (1.5 liter bottle)

$5.66 $5.66

$1.26 CA$1.77

349.21%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

Wine (Bottle)

$24.58 $24.58

$14.25 CA$19.97

72.49%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

Imported Beer (0.33 liter bottle)

$6.07 $6.07

$2.58 CA$3.62

135.27%

One-way Ticket (Public Transport)

$2.02 $2.02

$2.35 CA$3.30

-14.04%

Public Transport Monthly Pass (Regular Price)

$60.7 $60.7

$111 CA$156

-45.29%

Taxi Start (Normal Tariff)

$19.70 $19.70

$3.01 CA$4.22

554.49%

Taxi (Normal Tariff) (1km)

$3.13 $3.13

$1.22 CA$1.71

156.56%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

Gasoline (1 liter)

$1.40 $1.40

$1.23 CA$1.73

13.82%

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

$54.1K $54.1K

$27.0K CA$37.8K

100.53%

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

$48.3K $48.3K

$21.8K CA$30.6K

121.29%

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

$451 $451

$121 CA$169

273.32%

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

$101 $101

$33.10 CA$46.40

204.14%

Internet (50+ Mbps, Unlimited Data)

$153 $153

$49.09 CA$68.8

210.88%

Gym Membership (Monthly)

$166 $166

$36.65 CA$51.4

352.20%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$10.09 $10.09

$12.78 CA$17.91

-21.05%

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

$1,502 $1,502

$754 CA$1,058

99.04%

International Primary School, 1 Child (Yearly)

$22.4K $22.4K

$33.7K CA$47.2K

-33.46%

Jeans (Levis 501 Or Similar)

$115 $115

$50.4 CA$70.6

127.88%

Summer Dress (H&M, Zara, etc)

$149 $149

$41.43 CA$58.1

258.92%

Sport Shoes (Adidas, Nike)

$199 $199

$101 CA$142

96.73%

Men's Leather Business Shoes

$148 $148

$130 CA$183

13.40%

1-bedroom Apartment, City Center (Monthly)

$1,604 $1,604

$1,590 CA$2,228

0.87%

1-bedroom Apartment, Outside City Center (Monthly)

$1,786 $1,786

$1,424 CA$1,996

25.38%

3-bedroom Apartment, City Center (Monthly)

$3,297 $3,297

$2,641 CA$3,702

24.81%

3-bedroom Apartment, Outside City Center (Monthly)

$4,222 $4,222

$2,090 CA$2,930

102.02%

Buy Apartment in City Center (m2)

$4,832 $4,832

$7,730 CA$10.8K

-37.48%

Buy Apartment Outside City Center (m2)

$10.6K $10.6K

$6,892 CA$9,661

53.63%

Average Monthly Net Salary (After Tax)

$2,723 $2,723

$3,623 CA$5,078

-24.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.45

4.45

112.36%

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

Last update for St Thomas: 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 Thomas

$1.8K 40.8%

Toronto

$1.4K 54.8% 20.2% $361

Groceries & Markets

St Thomas

$961 * 22%

Toronto

$345 13.3% 64.1% $616

Monthly Utilities & Internet

St Thomas

$704 16.1%

Toronto

$203 7.8% 71.2% $501

Eating Out

St Thomas

$359 8.2%

Toronto

$290 11.2% 19.2% $69

Clothing & Footwear

St Thomas

$275 6.3%

Toronto

$145 5.6% 47% $129

Sport & Entertainment

St Thomas

$186 4.3%

Toronto

$62 2.4% 66.5% $124

Getting Around

St Thomas

$104 2.4%

Toronto

$130 5% 24.4% $25

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

Cost Breakdown

A central one-bedroom costs $1,604 in St Thomas versus $1,590 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 33% 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 $167 in St Thomas versus $72 in Toronto. Monthly groceries follow the same trend: $961 vs $345 – making Toronto the more affordable choice for daily food spending.

Good to know

🇻🇮 St Thomas

🇨🇦 Toronto

🕒 Local time

00:22 12:22 AM

23:22 11:22 PM

1 h behind St Thomas

🌤 Weather

👥 Population

20,000

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.891 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 = 0.891 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 Thomas Toronto 3,120 km ≈ 4 h 30 min nonstop flight

From you

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

Monthly costs with rent: $4,375 in St Thomas, $2,599 in Toronto – Toronto comes out roughly 41% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $6,562 per month in St Thomas and $3,899 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,604 in St Thomas and $1,590 in Toronto. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Public transport costs about 45% less in St Thomas. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $1,502 per month in St Thomas and $754 in Toronto. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $4,375 in St Thomas and $2,599 in Toronto. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. St Thomas has an edge in some lifestyle areas, with costs from $2,599 in Toronto to $4,375 in St Thomas. Climate, culture, job market, and personal taste all factor in.