Last update: Oct 2026

Cost of Living Comparison Between Temple, TX and Toronto

For one person, living is cheaper in Temple, TX: $2,391 a month against $2,610 in Toronto, rent and utilities included – about $2,600 less a year. Rent and utilities account for most of the difference.

116

Cost of Living Index in Temple, TX
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Temple, TX Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Temple, TX

🇺🇸 United States

$2,391

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

A single person spends $2,391 per month in Temple, TX vs $2,610 in Toronto, rent included.

Temple, TX $2,391
Toronto $2,610

A couple spends around $3,282 per month in Temple, TX vs $3,727 in Toronto, rent included.

Temple, TX $3,282
Toronto $3,727

A family of three spends $4,174 per month in Temple, TX vs $4,844 in Toronto, rent included.

Temple, TX $4,174
Toronto $4,844

Temple, TX is about 8% cheaper than Toronto, and outside of rent the biggest gap is in transport.

Both Temple, TX and Toronto sit above the global median – Temple, TX by 76%, Toronto by 93%.

Meal at Budget Restaurant

$18.60 $18.60

$17.59 CA$24.87

5.74%

Three-Course Dinner for Two, Mid-Range

$50.7 $50.7

$78.8 CA$111

-35.73%

Fast Food Meal (McDonalds, etc)

$8.78 $8.78

$10.73 CA$15.16

-18.17%

Cappuccino

$4.97 $4.97

$4.09 CA$5.78

21.52%

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

$2.79 $2.79

$2.10 CA$2.97

32.86%

Water (0.33 liter bottle)

$1.69 $1.69

$1.72 CA$2.43

-1.74%

Local Beer (0.5 liter draught)

$3.54 $3.54

$6.36 CA$8.99

-44.34%

Imported Beer (0.33 liter bottle)

$4.03 $4.03

$7.08 CA$10.01

-43.08%

Milk (1 liter)

$0.94 $0.94

$2.54 CA$3.59

-62.99%

White Bread (500g)

$2.12 $2.12

$2.72 CA$3.85

-22.06%

Rice (white) (1kg)

$4.12 $4.12

$2.18 CA$3.09

88.99%

Eggs

$2.85 $2.85

$3.63 CA$5.13

-21.49%

Local Cheese (1kg)

$8.81 $8.81

$9.46 CA$13.37

-6.87%

Chicken Fillets (1kg)

$8.70 $8.70

$11.54 CA$16.32

-24.61%

Beef Round Steak (1kg)

$15.42 $15.42

$14.37 CA$20.32

7.31%

Apples (1kg)

$5.01 $5.01

$3.70 CA$5.23

35.41%

Banana (1kg)

$1.55 $1.55

$1.19 CA$1.68

30.25%

Oranges (1kg)

$4.15 $4.15

$3.46 CA$4.90

19.94%

Tomato (1kg)

$3.65 $3.65

$4.22 CA$5.97

-13.51%

Potato (1kg)

$2.15 $2.15

$1.79 CA$2.52

20.11%

Onion (1kg)

$2.44 $2.44

$1.65 CA$2.33

47.88%

Lettuce (1 head)

$1.60 $1.60

$2.20 CA$3.11

-27.27%

Water (1.5 liter bottle)

$1.97 $1.97

$1.26 CA$1.78

56.35%

Cigarettes 20 Pack (Marlboro, Camel)

$10.21 $10.21

$13.97 CA$19.75

-26.91%

Wine (Bottle)

$9.15 $9.15

$14.20 CA$20.07

-35.56%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.25 CA$3.18

-11.11%

Imported Beer (0.33 liter bottle)

$2.43 $2.43

$2.53 CA$3.58

-3.95%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.32 CA$3.28

-15.52%

Public Transport Monthly Pass (Regular Price)

$50.2 $50.2

$112 CA$158

-55.06%

Taxi Start (Normal Tariff)

$3.08 $3.08

$3.06 CA$4.33

0.65%

Taxi (Normal Tariff) (1km)

$1.77 $1.77

$1.22 CA$1.72

45.08%

Taxi 1hour Waiting (Normal Tariff)

$24.10 $24.10

$21.69 CA$30.66

11.11%

Gasoline (1 liter)

$0.72 $0.72

$1.21 CA$1.72

-40.50%

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

$24.6K $24.6K

$26.1K CA$37.0K

-5.76%

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

$25.0K $25.0K

$21.1K CA$29.9K

18.45%

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

$211 $211

$120 CA$169

76.58%

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

$43.64 $43.64

$32.21 CA$45.54

35.49%

Internet (50+ Mbps, Unlimited Data)

$84.0 $84.0

$48.88 CA$69.1

71.79%

Gym Membership (Monthly)

$17.57 $17.57

$39.34 CA$55.6

-55.34%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.10 $12.10

$12.58 CA$17.79

-3.82%

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

$1,901 $1,901

$832 CA$1,176

128.49%

International Primary School, 1 Child (Yearly)

$27.7K $27.7K

$23.6K CA$33.4K

17.29%

Jeans (Levis 501 Or Similar)

$19.22 $19.22

$52.3 CA$73.9

-63.24%

Summer Dress (H&M, Zara, etc)

$49.07 $49.07

$39.44 CA$55.8

24.42%

Sport Shoes (Adidas, Nike)

$86.7 $86.7

$99.0 CA$140

-12.45%

Men's Leather Business Shoes

$83.7 $83.7

$122 CA$172

-31.33%

1-bedroom Apartment, City Center (Monthly)

$1,450 $1,450

$1,631 CA$2,306

-11.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,236 $1,236

$1,448 CA$2,048

-14.68%

3-bedroom Apartment, City Center (Monthly)

$2,048 $2,048

$2,737 CA$3,869

-25.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,769 $1,769

$2,129 CA$3,010

-16.93%

Buy Apartment in City Center (m2)

$1,744 $1,744

$8,206 CA$11.6K

-78.75%

Buy Apartment Outside City Center (m2)

$1,710 $1,710

$6,838 CA$9,666

-75.00%

Average Monthly Net Salary (After Tax)

$3,927 $3,927

$3,520 CA$4,976

11.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.47

48.10%

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

Last update for Temple, TX: October 18, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Temple, TX

$1.2K 51.7%

Toronto

$1.4K 55.5% 17.2% $213

Monthly Utilities & Internet

Temple, TX

$339 14.2%

Toronto

$201 7.7% 40.8% $138

Groceries & Markets

Temple, TX

$318 13.3%

Toronto

$343 13.1% 7.7% $24

Eating Out

Temple, TX

$278 11.7%

Toronto

$283 10.9% 1.7% $4.7

Clothing & Footwear

Temple, TX

$107 4.5%

Toronto

$141 5.4% 31% $33

Getting Around

Temple, TX

$70 2.9%

Toronto

$130 5% 86% $60

Sport & Entertainment

Temple, TX

$42 1.8%

Toronto

$65 2.5% 54.4% $23

Cost Breakdown

A central one-bedroom costs $1,450 in Temple, TX versus $1,631 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 12% higher in Temple, TX, 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 $51.0 in Temple, TX versus $79.0 in Toronto. Monthly groceries follow the same trend: $318 vs $343 – making Temple, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Temple, TX

🇨🇦 Toronto

🕒 Local time

11:02 11:02 AM

12:02 12:02 PM

1 h ahead of Temple, TX

🌤 Weather

👥 Population

82,073

2,731,571

💱 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 →

On the map

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Between locations

Temple, TX Toronto 2,110 km ≈ 3 h 15 min nonstop flight

From you

Temple, TX
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

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

Monthly costs with rent: $2,391 in Temple, TX, $2,610 in Toronto – roughly 9% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,586 per month in Temple, TX and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Temple, TX, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $51.0 in Temple, TX and $79.0 in Toronto. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,391 in Temple, TX and $2,610 in Toronto. That's a gap of about 9%.

A $3,000 monthly budget goes further in Temple, TX, where all-in costs run around $2,391, than in Toronto at $2,610. In Temple, TX it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

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

If budget matters most, go with Temple, TX. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.