Last update: Oct 2026

Cost of Living Comparison Between Surrey, Canada and Toronto

For one person, living is cheaper in Surrey: $2,338 a month against $2,589 in Toronto, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

112

Cost of Living Index in Surrey
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Surrey Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Surrey

🇨🇦 Canada

$2,338

/mo nomad

Toronto

🇨🇦 Canada

$2,589

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,338 in Surrey versus $2,589 in Toronto.

Surrey $2,338
Toronto $2,589

Estimated couple costs with rent: $3,564 in Surrey versus $3,710 in Toronto.

Surrey $3,564
Toronto $3,710

Monthly costs for a family of three with rent: $4,791 in Surrey versus $4,831 in Toronto.

Surrey $4,791
Toronto $4,831

Living in Surrey costs roughly 10% less than in Toronto, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Surrey 72% above, Toronto 90% above.

Meal at Budget Restaurant

$18.11 CA$25.31

$17.60 CA$24.59

2.90%

Three-Course Dinner for Two, Mid-Range

$57.5 CA$80.3

$77.8 CA$109

-26.13%

Fast Food Meal (McDonalds, etc)

$10.06 CA$14.06

$10.59 CA$14.79

-5.00%

Cappuccino

$3.52 CA$4.92

$4.16 CA$5.81

-15.38%

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

$2.01 CA$2.81

$2.04 CA$2.86

-1.47%

Water (0.33 liter bottle)

$1.50 CA$2.10

$1.75 CA$2.45

-14.29%

Local Beer (0.5 liter draught)

$6.01 CA$8.40

$6.58 CA$9.19

-8.66%

Imported Beer (0.33 liter bottle)

$5.63 CA$7.87

$7.11 CA$9.94

-20.82%

Milk (1 liter)

$2.47 CA$3.46

$2.53 CA$3.54

-2.37%

White Bread (500g)

$2.10 CA$2.94

$2.70 CA$3.78

-22.22%

Rice (white) (1kg)

$3.64 CA$5.09

$2.24 CA$3.13

62.50%

Eggs

$3.22 CA$4.50

$3.48 CA$4.87

-7.47%

Local Cheese (1kg)

$9.77 CA$13.65

$9.38 CA$13.10

4.16%

Chicken Fillets (1kg)

$10.57 CA$14.78

$11.60 CA$16.21

-8.88%

Beef Round Steak (1kg)

$20.34 CA$28.42

$14.68 CA$20.52

38.56%

Apples (1kg)

$3.33 CA$4.65

$3.74 CA$5.23

-10.96%

Banana (1kg)

$1.30 CA$1.82

$1.22 CA$1.71

6.56%

Oranges (1kg)

$2.94 CA$4.10

$3.48 CA$4.86

-15.52%

Tomato (1kg)

$3.02 CA$4.23

$4.32 CA$6.04

-30.09%

Potato (1kg)

$2.59 CA$3.62

$1.85 CA$2.59

40.00%

Onion (1kg)

$2.15 CA$3.01

$1.69 CA$2.36

27.22%

Lettuce (1 head)

$2.00 CA$2.80

$2.23 CA$3.11

-10.31%

Water (1.5 liter bottle)

$1.83 CA$2.56

$1.28 CA$1.78

42.97%

Cigarettes 20 Pack (Marlboro, Camel)

$14.11 CA$19.72

$14.04 CA$19.62

0.50%

Wine (Bottle)

$14.20 CA$19.85

$14.43 CA$20.16

-1.59%

Local Beer (0.5 liter bottle)

$2.45 CA$3.43

$2.16 CA$3.01

13.43%

Imported Beer (0.33 liter bottle)

$3.23 CA$4.51

$2.52 CA$3.53

28.17%

One-way Ticket (Public Transport)

$2.55 CA$3.57

$2.37 CA$3.31

7.59%

Public Transport Monthly Pass (Regular Price)

$110 CA$154

$112 CA$157

-1.82%

Taxi Start (Normal Tariff)

$2.64 CA$3.69

$3.04 CA$4.25

-13.16%

Taxi (Normal Tariff) (1km)

$1.60 CA$2.23

$1.24 CA$1.73

29.03%

Taxi 1hour Waiting (Normal Tariff)

$28.02 CA$39.15

$22.55 CA$31.51

24.26%

Gasoline (1 liter)

$1.38 CA$1.92

$1.24 CA$1.74

11.29%

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

$28.2K CA$39.3K

$26.9K CA$37.6K

4.66%

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

$21.7K CA$30.3K

$21.4K CA$29.9K

1.51%

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

$187 CA$261

$125 CA$174

49.63%

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

$37.14 CA$51.9

$33.05 CA$46.19

12.38%

Internet (50+ Mbps, Unlimited Data)

$65.7 CA$91.9

$47.96 CA$67.0

37.07%

Gym Membership (Monthly)

$31.83 CA$44.48

$36.69 CA$51.3

-13.25%

Tennis Court (1 Hour on Weekend)

$25.35 CA$35.42

$23.67 CA$33.07

7.10%

Cinema Ticket

$12.18 CA$17.02

$13.08 CA$18.27

-6.88%

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

$668 CA$934

$759 CA$1,060

-11.92%

International Primary School, 1 Child (Yearly)

$12.1K CA$16.9K

$23.8K CA$33.2K

-49.25%

Jeans (Levis 501 Or Similar)

$55.0 CA$76.8

$53.5 CA$74.8

2.67%

Summer Dress (H&M, Zara, etc)

$61.1 CA$85.4

$40.44 CA$56.5

51.09%

Sport Shoes (Adidas, Nike)

$99.5 CA$139

$100 CA$140

-0.99%

Men's Leather Business Shoes

$90.8 CA$127

$125 CA$175

-27.53%

1-bedroom Apartment, City Center (Monthly)

$1,376 CA$1,923

$1,630 CA$2,277

-15.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,094 CA$1,528

$1,416 CA$1,978

-22.76%

3-bedroom Apartment, City Center (Monthly)

$2,606 CA$3,641

$2,694 CA$3,765

-3.28%

3-bedroom Apartment, Outside City Center (Monthly)

$2,095 CA$2,927

$2,101 CA$2,936

-0.29%

Buy Apartment in City Center (m2)

$6,631 CA$9,265

$7,551 CA$10.6K

-12.18%

Buy Apartment Outside City Center (m2)

$5,166 CA$7,218

$6,674 CA$9,325

-22.60%

Average Monthly Net Salary (After Tax)

$3,156 CA$4,410

$3,543 CA$4,951

-10.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.87

4.45

9.44%

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

Last update for Surrey: 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

Surrey

$1.1K 46.8%

Toronto

$1.4K 54.7% 29.5% $322

Groceries & Markets

Surrey

$357 15.3%

Toronto

$345 13.3% 3.4% $12

Monthly Utilities & Internet

Surrey

$289 12.4%

Toronto

$206 7.9% 28.9% $84

Eating Out

Surrey

$273 11.7%

Toronto

$285 11% 4.4% $12

Clothing & Footwear

Surrey

$138 5.9%

Toronto

$144 5.6% 4.4% $6

Getting Around

Surrey

$131 5.6%

Toronto

$131 5.1% 0.1% $0.1

Sport & Entertainment

Surrey

$56 2.4%

Toronto

$63 2.4% 11.9% $6.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,376 in Surrey and $1,630 in Toronto. Housing cost is often the main lever when comparing two cities.

Toronto pays 12% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $57 in Surrey vs $78 in Toronto. Groceries flip the comparison at $357 vs $345, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Surrey

🇨🇦 Toronto

🕒 Local time

03:22 3:22 AM

05:22 5:22 AM

2 h ahead of Surrey

🌤 Weather

👥 Population

517,887

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

Surrey Toronto 3,340 km ≈ 4 h 45 min nonstop flight

From you

Surrey
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

Surrey vs Toronto: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,338 in Surrey and $2,589 in Toronto, so Surrey is about 10% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 11% lower in Surrey. 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: $1,376 in Surrey versus $1,630 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 3% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $2,338 per month in Surrey versus $2,589 in Toronto – Surrey is about 10% cheaper, which adds up to real savings over time.

Either city works on $3,000 a month, though Surrey gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Surrey is more practical. Housing and childcare are both notably cheaper than in Toronto, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – Surrey wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.