Last update: Oct 2026

Cost of Living Comparison Between Temple, TX and Montreal

For one person, living is cheaper in Montreal: $2,059 a month against $2,391 in Temple, TX, rent and utilities included – about $4,000 less a year. Higher rent and utilities in Temple, TX outweigh lower spending on other living expenses.

116

Cost of Living Index in Temple, TX
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Temple, TX Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Temple, TX

🇺🇸 United States

$2,391

/mo nomad

Montreal

🇨🇦 Canada

$2,059

/mo nomad

Monthly Cost of Living

How much you'll spend in Temple, TX and in Montreal

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Temple, TX and in Montreal actually costs, broken down by who's living it.

A single person spends $2,391 per month in Temple, TX vs $2,059 in Montreal, rent included.

Temple, TX $2,391
Montreal $2,059

A couple spends around $3,282 per month in Temple, TX vs $3,123 in Montreal, rent included.

Temple, TX $3,282
Montreal $3,123

A family of three spends $4,174 per month in Temple, TX vs $4,187 in Montreal, rent included.

Temple, TX $4,174
Montreal $4,187

Temple, TX costs about 16% more than Montreal, and outside of rent the biggest gap is in utilities.

Both Temple, TX and Montreal sit above the global median – Temple, TX by 76%, Montreal by 52%.

Meal at Budget Restaurant

$18.60 $18.60

$18.84 CA$26.63

-1.27%

Three-Course Dinner for Two, Mid-Range

$50.7 $50.7

$73.2 CA$104

-30.81%

Fast Food Meal (McDonalds, etc)

$8.78 $8.78

$10.54 CA$14.90

-16.70%

Cappuccino

$4.97 $4.97

$3.97 CA$5.61

25.19%

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

$2.79 $2.79

$1.94 CA$2.74

43.81%

Water (0.33 liter bottle)

$1.69 $1.69

$1.57 CA$2.22

7.64%

Local Beer (0.5 liter draught)

$3.54 $3.54

$6.42 CA$9.08

-44.86%

Imported Beer (0.33 liter bottle)

$4.03 $4.03

$7.20 CA$10.19

-44.03%

Milk (1 liter)

$0.94 $0.94

$2.32 CA$3.28

-59.48%

White Bread (500g)

$2.12 $2.12

$3.19 CA$4.51

-33.54%

Rice (white) (1kg)

$4.12 $4.12

$3.19 CA$4.50

29.15%

Eggs

$2.85 $2.85

$3.68 CA$5.20

-22.55%

Local Cheese (1kg)

$8.81 $8.81

$13.24 CA$18.72

-33.46%

Chicken Fillets (1kg)

$8.70 $8.70

$11.69 CA$16.53

-25.58%

Beef Round Steak (1kg)

$15.42 $15.42

$13.98 CA$19.76

10.30%

Apples (1kg)

$5.01 $5.01

$3.14 CA$4.44

59.55%

Banana (1kg)

$1.55 $1.55

$1.45 CA$2.05

6.90%

Oranges (1kg)

$4.15 $4.15

$3.38 CA$4.78

22.78%

Tomato (1kg)

$3.65 $3.65

$3.11 CA$4.40

17.36%

Potato (1kg)

$2.15 $2.15

$1.93 CA$2.72

11.40%

Onion (1kg)

$2.44 $2.44

$1.83 CA$2.58

33.33%

Lettuce (1 head)

$1.60 $1.60

$2.36 CA$3.34

-32.20%

Water (1.5 liter bottle)

$1.97 $1.97

$1.50 CA$2.12

31.33%

Cigarettes 20 Pack (Marlboro, Camel)

$10.21 $10.21

$11.12 CA$15.73

-8.18%

Wine (Bottle)

$9.15 $9.15

$10.60 CA$14.98

-13.68%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.22 CA$3.14

-9.91%

Imported Beer (0.33 liter bottle)

$2.43 $2.43

$2.84 CA$4.01

-14.44%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.62 CA$3.71

-25.19%

Public Transport Monthly Pass (Regular Price)

$50.2 $50.2

$79.1 CA$112

-36.59%

Taxi Start (Normal Tariff)

$3.08 $3.08

$3.23 CA$4.56

-4.64%

Taxi (Normal Tariff) (1km)

$1.77 $1.77

$1.48 CA$2.10

19.59%

Taxi 1hour Waiting (Normal Tariff)

$24.10 $24.10

$32.22 CA$45.55

-25.20%

Gasoline (1 liter)

$0.72 $0.72

$1.36 CA$1.92

-47.06%

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

$24.6K $24.6K

$27.6K CA$39.1K

-10.89%

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

$25.0K $25.0K

$21.2K CA$30.0K

18.06%

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

$211 $211

$77.0 CA$109

174.17%

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

$43.64 $43.64

$34.14 CA$48.26

27.83%

Internet (50+ Mbps, Unlimited Data)

$84.0 $84.0

$42.19 CA$59.7

99.03%

Gym Membership (Monthly)

$17.57 $17.57

$30.81 CA$43.56

-42.97%

Tennis Court (1 Hour on Weekend)

$19.66 CA$27.79

Cinema Ticket

$12.10 $12.10

$11.47 CA$16.22

5.49%

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

$1,901 $1,901

$506 CA$716

275.56%

International Primary School, 1 Child (Yearly)

$27.7K $27.7K

$16.2K CA$23.0K

70.56%

Jeans (Levis 501 Or Similar)

$19.22 $19.22

$57.3 CA$81.0

-66.43%

Summer Dress (H&M, Zara, etc)

$49.07 $49.07

$38.10 CA$53.9

28.79%

Sport Shoes (Adidas, Nike)

$86.7 $86.7

$91.9 CA$130

-5.71%

Men's Leather Business Shoes

$83.7 $83.7

$110 CA$155

-23.73%

1-bedroom Apartment, City Center (Monthly)

$1,450 $1,450

$1,237 CA$1,748

17.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,236 $1,236

$977 CA$1,381

26.51%

3-bedroom Apartment, City Center (Monthly)

$2,048 $2,048

$2,180 CA$3,082

-6.05%

3-bedroom Apartment, Outside City Center (Monthly)

$1,769 $1,769

$1,608 CA$2,273

9.99%

Buy Apartment in City Center (m2)

$1,744 $1,744

$5,113 CA$7,228

-65.89%

Buy Apartment Outside City Center (m2)

$1,710 $1,710

$3,744 CA$5,293

-54.34%

Average Monthly Net Salary (After Tax)

$3,927 $3,927

$2,957 CA$4,180

32.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.48

47.77%

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

Last update for Temple, TX: October 18, 2026

Last update for Montreal: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Temple, TX

$1.2K 51.7%

Montreal

$977 47.4% 21% $259

Monthly Utilities & Internet

Temple, TX

$339 14.2%

Montreal

$153 7.5% 54.7% $185

Groceries & Markets

Temple, TX

$318 13.3%

Montreal

$351 17.1% 10.2% $33

Eating Out

Temple, TX

$278 11.7%

Montreal

$290 14.1% 4.3% $12

Clothing & Footwear

Temple, TX

$107 4.5%

Montreal

$134 6.5% 24.5% $26

Getting Around

Temple, TX

$70 2.9%

Montreal

$100 4.9% 43.4% $30

Sport & Entertainment

Temple, TX

$42 1.8%

Montreal

$54 2.6% 28.7% $12

Cost Breakdown

A central one-bedroom costs $1,450 in Temple, TX versus $1,237 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 33% higher in Temple, TX, 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 $51.0 in Temple, TX versus $73.0 in Montreal. Monthly groceries follow the same trend: $318 vs $351 – making Temple, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Temple, TX

🇨🇦 Montreal

🕒 Local time

13:29 1:29 PM

14:29 2:29 PM

1 h ahead of Temple, TX

🌤 Weather

👥 Population

82,073

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 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 October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

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Between locations

Temple, TX Montreal 2,600 km ≈ 3 h 45 min nonstop flight

From you

Temple, TX
Montreal

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

Temple, TX vs Montreal: Cost of Living - Frequently Asked Questions

Temple, TX costs about 16% more than Montreal, and outside of rent the gap comes mainly from utilities. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,586 per month in Temple, TX and $3,089 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.

Interestingly, groceries are about 10% cheaper in Temple, TX – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $51.0 in Temple, TX and $73.0 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 $2,059, than in Temple, TX at $2,391. In Montreal it covers expenses comfortably, while in Temple, TX it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,059 versus $2,391 in Temple, TX. 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, Temple, TX makes more sense. Both are solid long-term options with distinct trade-offs.