Last update: Oct 2026

Cost of Living Comparison Between Summerland and Toronto

For one person, living is cheaper in Summerland: $2,079 a month against $2,589 in Toronto, rent and utilities included – about $6,100 less a year. Rent and utilities account for most of the difference.

107

Cost of Living Index in Summerland
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Summerland Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Summerland

🇨🇦 Canada

$2,079

/mo nomad

Toronto

🇨🇦 Canada

$2,589

/mo nomad

Monthly Cost of Living

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

A single person spends $2,079 per month in Summerland vs $2,589 in Toronto, rent included.

Summerland $2,079
Toronto $2,589

A couple spends around $3,092 per month in Summerland vs $3,710 in Toronto, rent included.

Summerland $3,092
Toronto $3,710

A family of three spends $4,106 per month in Summerland vs $4,831 in Toronto, rent included.

Summerland $4,106
Toronto $4,831

Summerland is about 20% cheaper than Toronto, and outside of rent the biggest gap is in eating out.

Both Summerland and Toronto sit above the global median – Summerland by 53%, Toronto by 90%.

Meal at Budget Restaurant

$10.89 CA$15.22

$17.60 CA$24.59

-38.13%

Three-Course Dinner for Two, Mid-Range

$51.0 CA$71.2

$77.8 CA$109

-34.52%

Fast Food Meal (McDonalds, etc)

$10.46 CA$14.62

$10.59 CA$14.79

-1.23%

Cappuccino

$3.43 CA$4.79

$4.16 CA$5.81

-17.55%

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

$1.86 CA$2.59

$2.04 CA$2.86

-8.82%

Water (0.33 liter bottle)

$1.59 CA$2.22

$1.75 CA$2.45

-9.14%

Local Beer (0.5 liter draught)

$6.18 CA$8.64

$6.58 CA$9.19

-6.08%

Imported Beer (0.33 liter bottle)

$5.79 CA$8.09

$7.11 CA$9.94

-18.57%

Milk (1 liter)

$1.81 CA$2.53

$2.53 CA$3.54

-28.46%

White Bread (500g)

$2.21 CA$3.09

$2.70 CA$3.78

-18.15%

Rice (white) (1kg)

$4.25 CA$5.94

$2.24 CA$3.13

89.73%

Eggs

$3.09 CA$4.32

$3.48 CA$4.87

-11.21%

Local Cheese (1kg)

$12.71 CA$17.76

$9.38 CA$13.10

35.50%

Chicken Fillets (1kg)

$18.32 CA$25.59

$11.60 CA$16.21

57.93%

Beef Round Steak (1kg)

$18.86 CA$26.36

$14.68 CA$20.52

28.47%

Apples (1kg)

$4.75 CA$6.64

$3.74 CA$5.23

27.01%

Banana (1kg)

$1.08 CA$1.50

$1.22 CA$1.71

-11.48%

Oranges (1kg)

$4.83 CA$6.75

$3.48 CA$4.86

38.79%

Tomato (1kg)

$3.53 CA$4.93

$4.32 CA$6.04

-18.29%

Potato (1kg)

$1.59 CA$2.22

$1.85 CA$2.59

-14.05%

Onion (1kg)

$2.53 CA$3.54

$1.69 CA$2.36

49.70%

Lettuce (1 head)

$2.65 CA$3.70

$2.23 CA$3.11

18.83%

Water (1.5 liter bottle)

$1.90 CA$2.66

$1.28 CA$1.78

48.44%

Cigarettes 20 Pack (Marlboro, Camel)

$15.06 CA$21.04

$14.04 CA$19.62

7.26%

Wine (Bottle)

$10.89 CA$15.22

$14.43 CA$20.16

-24.53%

Local Beer (0.5 liter bottle)

$4.15 CA$5.79

$2.16 CA$3.01

92.13%

Imported Beer (0.33 liter bottle)

$3.85 CA$5.38

$2.52 CA$3.53

52.78%

One-way Ticket (Public Transport)

$2.27 CA$3.17

$2.37 CA$3.31

-4.22%

Public Transport Monthly Pass (Regular Price)

$62.9 CA$87.9

$112 CA$157

-44.10%

Taxi Start (Normal Tariff)

$3.50 CA$4.89

$3.04 CA$4.25

15.13%

Taxi (Normal Tariff) (1km)

$1.46 CA$2.04

$1.24 CA$1.73

17.74%

Taxi 1hour Waiting (Normal Tariff)

$24.48 CA$34.20

$22.55 CA$31.51

8.56%

Gasoline (1 liter)

$1.13 CA$1.58

$1.24 CA$1.74

-8.87%

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

$26.3K CA$36.8K

$26.9K CA$37.6K

-2.15%

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

$18.9K CA$26.3K

$21.4K CA$29.9K

-11.85%

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

$115 CA$161

$125 CA$174

-7.45%

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

$35.92 CA$50.2

$33.05 CA$46.19

8.68%

Internet (50+ Mbps, Unlimited Data)

$55.3 CA$77.2

$47.96 CA$67.0

15.22%

Gym Membership (Monthly)

$38.23 CA$53.4

$36.69 CA$51.3

4.20%

Tennis Court (1 Hour on Weekend)

$20.50 CA$28.65

$23.67 CA$33.07

-13.39%

Cinema Ticket

$7.20 CA$10.05

$13.08 CA$18.27

-44.95%

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

$369 CA$516

$759 CA$1,060

-51.32%

International Primary School, 1 Child (Yearly)

$8,494 CA$11.9K

$23.8K CA$33.2K

-64.28%

Jeans (Levis 501 Or Similar)

$53.3 CA$74.5

$53.5 CA$74.8

-0.43%

Summer Dress (H&M, Zara, etc)

$41.59 CA$58.1

$40.44 CA$56.5

2.84%

Sport Shoes (Adidas, Nike)

$81.5 CA$114

$100 CA$140

-18.88%

Men's Leather Business Shoes

$98.5 CA$138

$125 CA$175

-21.34%

1-bedroom Apartment, City Center (Monthly)

$1,374 CA$1,919

$1,630 CA$2,277

-15.72%

1-bedroom Apartment, Outside City Center (Monthly)

$980 CA$1,370

$1,416 CA$1,978

-30.75%

3-bedroom Apartment, City Center (Monthly)

$2,001 CA$2,796

$2,694 CA$3,765

-25.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,662 CA$2,322

$2,101 CA$2,936

-20.92%

Buy Apartment in City Center (m2)

$4,037 CA$5,641

$7,551 CA$10.6K

-46.53%

Buy Apartment Outside City Center (m2)

$3,657 CA$5,110

$6,674 CA$9,325

-45.20%

Average Monthly Net Salary (After Tax)

$3,460 CA$4,834

$3,543 CA$4,951

-2.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.72

4.45

6.07%

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

Last update for Summerland: October 25, 2026

Last update for Toronto: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Summerland

$980 47.2%

Toronto

$1.4K 54.7% 44.4% $435

Groceries & Markets

Summerland

$417 20%

Toronto

$345 13.3% 17.2% $72

Eating Out

Summerland

$216 10.4%

Toronto

$285 11% 31.9% $69

Monthly Utilities & Internet

Summerland

$207 9.9%

Toronto

$206 7.9% 0.4% $0.9

Clothing & Footwear

Summerland

$124 6%

Toronto

$144 5.6% 16.3% $20

Getting Around

Summerland

$83 4%

Toronto

$131 5.1% 58.5% $48

Sport & Entertainment

Summerland

$53 2.5%

Toronto

$63 2.4% 19.4% $10

Cost Breakdown

A central one-bedroom costs $1,374 in Summerland versus $1,630 in Toronto. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $51 in Summerland versus $78 in Toronto. Groceries tell a different story – $417 in Summerland vs $345 in Toronto – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Summerland

🇨🇦 Toronto

🕒 Local time

15:29 3:29 PM

17:29 5:29 PM

2 h ahead of Summerland

🌤 Weather

👥 Population

11,000

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

Exchange rates and currency converter

On the map

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Between locations

Summerland Toronto 3,110 km ≈ 4 h 30 min nonstop flight

From you

Summerland
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

Summerland vs Toronto: Cost of Living - Frequently Asked Questions

Yes – Toronto is pricier by about 25%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $3,118 per month in Summerland and $3,883 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Summerland, especially for central apartments: a one-bedroom in the center costs $1,374 there versus $1,630 in Toronto.

Monthly expenses with rent come to $2,079 in Summerland and $2,589 in Toronto. That makes Summerland about 20% cheaper.

Public transport costs about 44% less in Summerland. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Summerland, where all-in costs run around $2,079, than in Toronto at $2,589. In Summerland it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Summerland – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.