Last update: Oct 2026

Cost of Living Comparison Between Surat and Toronto

For one person, living is cheaper in Surat: $806 a month against $2,530 in Toronto, rent and utilities included – about $20,700 less a year. Rent and utilities account for most of the difference.

39

Cost of Living Index in Surat
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Surat Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

Jump to prices

Surat

🇮🇳 India

$806

/mo nomad

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $806 in Surat versus $2,530 in Toronto.

Surat $806
Toronto $2,530

Estimated couple costs with rent: $826 in Surat versus $3,646 in Toronto.

Surat $826
Toronto $3,646

Monthly costs for a family of three with rent: $847 in Surat versus $4,761 in Toronto.

Surat $847
Toronto $4,761

Living in Surat costs roughly 68% less than in Toronto, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Surat is 40% below, Toronto is 89% above.

Meal at Budget Restaurant

$3.18 ₹307

$17.67 CA$25.19

-82.00%

Three-Course Dinner for Two, Mid-Range

$10.40 ₹1,006

$77.4 CA$110

-86.56%

Fast Food Meal (McDonalds, etc)

$3.14 ₹304

$10.47 CA$14.93

-70.01%

Cappuccino

$1.83 ₹177

$4.08 CA$5.81

-55.15%

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

$0.36 ₹34.38

$2.12 CA$3.02

-83.02%

Water (0.33 liter bottle)

$0.15 ₹14.56

$1.76 CA$2.51

-91.48%

Local Beer (0.5 liter draught)

$2.92 ₹282

$6.17 CA$8.80

-52.67%

Imported Beer (0.33 liter bottle)

$3.19 ₹309

$6.89 CA$9.82

-53.70%

Milk (1 liter)

$0.73 ₹70.9

$2.43 CA$3.46

-69.96%

White Bread (500g)

$0.47 ₹45.50

$2.75 CA$3.92

-82.91%

Rice (white) (1kg)

$0.66 ₹63.5

$2.23 CA$3.18

-70.40%

Eggs

$0.95 ₹91.5

$3.45 CA$4.91

-72.46%

Local Cheese (1kg)

$4.34 ₹420

$8.93 CA$12.73

-51.40%

Chicken Fillets (1kg)

$2.73 ₹265

$11.44 CA$16.31

-76.14%

Beef Round Steak (1kg)

$14.61 CA$20.83

Apples (1kg)

$1.70 ₹164

$3.75 CA$5.34

-54.67%

Banana (1kg)

$0.62 ₹59.6

$1.15 CA$1.64

-46.09%

Oranges (1kg)

$0.80 ₹77.4

$3.55 CA$5.06

-77.46%

Tomato (1kg)

$0.54 ₹52.2

$4.28 CA$6.10

-87.38%

Potato (1kg)

$0.35 ₹33.56

$1.85 CA$2.63

-81.08%

Onion (1kg)

$0.43 ₹41.73

$1.67 CA$2.38

-74.25%

Lettuce (1 head)

$0.48 ₹46.59

$2.22 CA$3.16

-78.38%

Water (1.5 liter bottle)

$0.30 ₹28.89

$1.21 CA$1.72

-75.21%

Cigarettes 20 Pack (Marlboro, Camel)

$5.12 ₹495

$13.88 CA$19.78

-63.11%

Wine (Bottle)

$7.60 ₹735

$14.25 CA$20.31

-46.67%

Local Beer (0.5 liter bottle)

$1.86 ₹180

$2.20 CA$3.13

-15.45%

Imported Beer (0.33 liter bottle)

$3.01 ₹291

$2.42 CA$3.45

24.38%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.06 ₹586

One-way Ticket (Public Transport)

$0.22 ₹21.19

$2.42 CA$3.44

-90.91%

Public Transport Monthly Pass (Regular Price)

$5.27 ₹510

$111 CA$158

-95.24%

Taxi Start (Normal Tariff)

$0.59 ₹57.2

$2.90 CA$4.13

-79.66%

Taxi (Normal Tariff) (1km)

$0.22 ₹21.32

$1.26 CA$1.80

-82.54%

Taxi 1hour Waiting (Normal Tariff)

$1.07 ₹103

$22.03 CA$31.40

-95.14%

Gasoline (1 liter)

$1.13 ₹110

$1.22 CA$1.74

-7.38%

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

$12.1K ₹1.2M

$27.6K CA$39.4K

-56.03%

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

$18.3K ₹1.8M

$19.8K CA$28.3K

-7.51%

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

$36.72 ₹3,554

$122 CA$174

-69.87%

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

$3.64 ₹353

$32.03 CA$45.66

-88.64%

Internet (50+ Mbps, Unlimited Data)

$7.44 ₹720

$47.92 CA$68.3

-84.47%

Gym Membership (Monthly)

$18.59 ₹1,799

$38.90 CA$55.5

-52.21%

Tennis Court (1 Hour on Weekend)

$5.16 ₹499

$23.24 CA$33.12

-77.80%

Cinema Ticket

$2.88 ₹278

$12.61 CA$17.97

-77.16%

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

$33.35 ₹3,227

$834 CA$1,189

-96.00%

International Primary School, 1 Child (Yearly)

$891 ₹86.2K

$23.3K CA$33.3K

-96.18%

Jeans (Levis 501 Or Similar)

$22.51 ₹2,179

$52.6 CA$75.0

-57.21%

Summer Dress (H&M, Zara, etc)

$24.53 ₹2,374

$40.26 CA$57.4

-39.07%

Sport Shoes (Adidas, Nike)

$40.90 ₹3,958

$96.2 CA$137

-57.48%

Men's Leather Business Shoes

$32.42 ₹3,137

$123 CA$175

-73.63%

1-bedroom Apartment, City Center (Monthly)

$216 ₹20.9K

$1,598 CA$2,278

-86.47%

1-bedroom Apartment, Outside City Center (Monthly)

$499 ₹48.3K

$1,435 CA$2,045

-65.24%

3-bedroom Apartment, City Center (Monthly)

$375 ₹36.3K

$2,657 CA$3,787

-85.90%

3-bedroom Apartment, Outside City Center (Monthly)

$201 ₹19.5K

$2,096 CA$2,988

-90.41%

Buy Apartment in City Center (m2)

$660 ₹63.8K

$8,033 CA$11.5K

-91.79%

Buy Apartment Outside City Center (m2)

$309 ₹29.9K

$6,557 CA$9,347

-95.29%

Average Monthly Net Salary (After Tax)

$313 ₹30.3K

$3,743 CA$5,335

-91.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.17

4.47

105.15%

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

Last update for Surat: October 4, 2026

Last update for Toronto: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Surat

$499 61.3%

Toronto

$1.4K 55.4% 188% $936

Groceries & Markets

Surat

$101 12.4%

Toronto

$340 13.1% 237% $239

Eating Out

Surat

$80 9.8%

Toronto

$282 10.9% 254% $202

Clothing & Footwear

Surat

$54 6.7%

Toronto

$140 5.4% 159% $86

Monthly Utilities & Internet

Surat

$48 5.9%

Toronto

$202 7.8% 322% $154

Sport & Entertainment

Surat

$24 3%

Toronto

$64 2.5% 163% $40

Getting Around

Surat

$7.8 1%

Toronto

$130 5% 1553% $122

Cost Breakdown

A one-bedroom apartment in the center runs $216 in Surat and $1,598 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 1095% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $10.00 in Surat vs $77.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $101 vs $340 per month, with Surat cheaper across the board.

Good to know

🇮🇳 Surat

🇨🇦 Toronto

🕒 Local time

08:39 8:39 AM

23:09 11:09 PM

9 h 30 min behind Surat

🌤 Weather

👥 Population

6,936,534

2,731,571

💱 Currency

Indian Rupee INR ₹

Canadian Dollar CAD $

📈 Exchange rate

1,000 INR = 10.33 USD

1,000 INR = 9.21 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

USD to INR in detail →

On the map

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Between locations

Surat Toronto 12,270 km ≈ 16 h nonstop flight

From you

Surat
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

Surat vs Toronto: Cost of Living - Frequently Asked Questions

Surat is cheaper overall, especially in groceries, eating out, and clothing. The 214% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1095% lower in Toronto. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $216 in Surat versus $1,598 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $33.35 in Surat versus $834 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 236% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $806 in Surat versus $2,530 in Toronto, a $1,500 budget is realistic in Surat but tight or insufficient in Toronto. The gap between the two cities makes Surat 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.

Safety-wise, Surat and Toronto are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Surat gentler on the wallet – expenses run 214% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.