Last update: Oct 2026

Cost of Living Comparison Between Toms River, NJ and Calgary

For one person, living is cheaper in Calgary: $2,223 a month against $2,885 in Toms River, NJ, rent and utilities included – about $7,900 less a year. Rent and utilities account for most of the difference.

139

Cost of Living Index in Toms River, NJ
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Toms River, NJ Living Index
109

Cost of Living Index in Calgary
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Calgary Living Index

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Toms River, NJ

🇺🇸 United States

$2,885

/mo nomad

Calgary

🇨🇦 Canada

$2,223

/mo nomad

Monthly Cost of Living

How much you'll spend in Toms River, NJ and in Calgary

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

Monthly costs for one person with rent: $2,885 in Toms River, NJ versus $2,223 in Calgary.

Toms River, NJ $2,885
Calgary $2,223

Estimated couple costs with rent: $4,341 in Toms River, NJ versus $3,301 in Calgary.

Toms River, NJ $4,341
Calgary $3,301

Monthly costs for a family of three with rent: $5,796 in Toms River, NJ versus $4,379 in Calgary.

Toms River, NJ $5,796
Calgary $4,379

Living in Toms River, NJ is roughly 30% more expensive than in Calgary, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toms River, NJ 114% above, Calgary 65% above.

Meal at Budget Restaurant

$19.91 $19.91

$17.22 CA$24.34

15.62%

Three-Course Dinner for Two, Mid-Range

$75.7 $75.7

$71.1 CA$100

6.54%

Fast Food Meal (McDonalds, etc)

$11.97 $11.97

$10.53 CA$14.89

13.68%

Cappuccino

$5.73 $5.73

$3.66 CA$5.18

56.56%

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

$2.56 $2.56

$1.98 CA$2.80

29.29%

Water (0.33 liter bottle)

$1.82 $1.82

$1.94 CA$2.74

-6.19%

Local Beer (0.5 liter draught)

$5.04 $5.04

$4.95 CA$7.00

1.82%

Imported Beer (0.33 liter bottle)

$6.98 $6.98

$5.57 CA$7.87

25.31%

Milk (1 liter)

$1.41 $1.41

$1.88 CA$2.65

-25.00%

White Bread (500g)

$4.70 $4.70

$2.67 CA$3.78

76.03%

Rice (white) (1kg)

$2.38 $2.38

$5.32 CA$7.52

-55.26%

Eggs

$4.61 $4.61

$3.79 CA$5.35

21.64%

Local Cheese (1kg)

$16.36 $16.36

$11.09 CA$15.68

47.52%

Chicken Fillets (1kg)

$16.77 $16.77

$11.36 CA$16.05

47.62%

Beef Round Steak (1kg)

$16.65 $16.65

$18.40 CA$26.01

-9.51%

Apples (1kg)

$5.85 $5.85

$4.56 CA$6.45

28.29%

Banana (1kg)

$1.31 $1.31

$1.44 CA$2.04

-9.03%

Oranges (1kg)

$5.20 $5.20

$4.08 CA$5.76

27.45%

Tomato (1kg)

$5.99 $5.99

$3.89 CA$5.50

53.98%

Potato (1kg)

$1.50 $1.50

$2.64 CA$3.73

-43.18%

Onion (1kg)

$2.69 $2.69

$2.64 CA$3.73

1.89%

Lettuce (1 head)

$2.47 $2.47

$2.50 CA$3.54

-1.20%

Water (1.5 liter bottle)

$1.97 $1.97

$1.50 CA$2.12

31.33%

Cigarettes 20 Pack (Marlboro, Camel)

$9.83 $9.83

$14.05 CA$19.86

-30.04%

Wine (Bottle)

$10.20 $10.20

$15.70 CA$22.20

-35.03%

Local Beer (0.5 liter bottle)

$2.68 $2.68

$2.44 CA$3.45

9.84%

Imported Beer (0.33 liter bottle)

$3.24 $3.24

$3.09 CA$4.37

4.85%

One-way Ticket (Public Transport)

$2.82 CA$3.99

Public Transport Monthly Pass (Regular Price)

$88.6 CA$125

Taxi Start (Normal Tariff)

$3.04 $3.04

$3.12 CA$4.41

-2.56%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$1.35 CA$1.91

57.78%

Taxi 1hour Waiting (Normal Tariff)

$41.61 $41.61

$27.02 CA$38.20

54.00%

Gasoline (1 liter)

$0.96 $0.96

$1.16 CA$1.64

-17.24%

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

$35.5K $35.5K

$27.9K CA$39.5K

27.09%

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

$25.0K $25.0K

$20.3K CA$28.8K

22.70%

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

$242 $242

$161 CA$227

50.52%

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

$36.84 $36.84

$38.13 CA$53.9

-3.38%

Internet (50+ Mbps, Unlimited Data)

$61.6 $61.6

$50.0 CA$70.7

23.12%

Gym Membership (Monthly)

$29.62 $29.62

$51.5 CA$72.8

-42.47%

Tennis Court (1 Hour on Weekend)

$18.14 CA$25.64

Cinema Ticket

$17.38 $17.38

$13.82 CA$19.54

25.76%

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

$2,600 $2,600

$786 CA$1,111

230.72%

International Primary School, 1 Child (Yearly)

$33.9K $33.9K

$15.5K CA$21.8K

119.18%

Jeans (Levis 501 Or Similar)

$68.6 $68.6

$58.3 CA$82.4

17.71%

Summer Dress (H&M, Zara, etc)

$77.0 $77.0

$39.27 CA$55.5

96.03%

Sport Shoes (Adidas, Nike)

$121 $121

$89.8 CA$127

35.29%

Men's Leather Business Shoes

$121 $121

$110 CA$155

9.95%

1-bedroom Apartment, City Center (Monthly)

$1,669 $1,669

$1,229 CA$1,737

35.78%

1-bedroom Apartment, Outside City Center (Monthly)

$1,528 $1,528

$1,001 CA$1,415

52.58%

3-bedroom Apartment, City Center (Monthly)

$2,823 $2,823

$1,921 CA$2,716

46.98%

3-bedroom Apartment, Outside City Center (Monthly)

$2,817 $2,817

$1,621 CA$2,292

73.73%

Buy Apartment in City Center (m2)

$3,549 CA$5,018

Buy Apartment Outside City Center (m2)

$3,335 CA$4,715

Average Monthly Net Salary (After Tax)

$5,569 $5,569

$3,165 CA$4,474

75.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

4.51

47.89%

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

Last update for Toms River, NJ: October 11, 2026

Last update for Calgary: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Toms River, NJ

$1.5K 53%

Calgary

$1K 45% 34.5% $527

Groceries & Markets

Toms River, NJ

$443 15.4%

Calgary

$385 17.3% 13.1% $58

Monthly Utilities & Internet

Toms River, NJ

$340 11.8%

Calgary

$249 11.2% 26.9% $92

Eating Out

Toms River, NJ

$321 11.1%

Calgary

$265 11.9% 17.4% $56

Clothing & Footwear

Toms River, NJ

$175 6.1%

Calgary

$134 6% 23.4% $41

Sport & Entertainment

Toms River, NJ

$64 2.2%

Calgary

$79 3.6% 22.9% $15

Getting Around

Toms River, NJ

$14 * 0.5%

Calgary

$110 4.9% 703% $96

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,669 in Toms River, NJ and $1,229 in Calgary. Housing cost is often the main lever when comparing two cities.

Toms River, NJ pays 76% 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: $76.0 in Toms River, NJ vs $71.0 in Calgary for a mid-range dinner for two. Groceries echo the gap at $443 vs $385 per month, with Calgary cheaper across the board.

Good to know

🇺🇸 Toms River, NJ

🇨🇦 Calgary

🕒 Local time

05:13 5:13 AM

03:13 3:13 AM

2 h behind Toms River, NJ

🌤 Weather

👥 Population

95,438

1,267,344

💱 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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 19, 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

Toms River, NJ Calgary 3,290 km ≈ 4 h 30 min nonstop flight

From you

Toms River, NJ
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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

Toms River, NJ vs Calgary: Cost of Living - Frequently Asked Questions

Calgary is cheaper overall, especially in groceries, eating out, and clothing. The 30% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 76% higher in Toms River, NJ, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,669 in Toms River, NJ versus $1,229 in Calgary. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,600 in Toms River, NJ versus $786 in Calgary. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Calgary – a meal for two runs $71.0 versus $76.0 in Toms River, NJ. If you eat out regularly, this makes a real dent in your monthly spending.

At $2,223 in Calgary versus $2,885 in Toms River, NJ, a $2,500 budget is realistic in Calgary but tight or insufficient in Toms River, NJ. The gap between the two cities makes Calgary 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, Toms River, NJ and Calgary 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 Calgary gentler on the wallet – expenses run 30% less than in Toms River, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.