Last update: Oct 2026

Cost of Living Comparison Between Toronto and Albany, OR

For one person, living is cheaper in Toronto: $2,530 a month against $2,910 in Albany, OR, rent and utilities included – about $4,600 less a year. Other living expenses account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
140

Cost of Living Index in Albany, OR
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Albany, OR Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Albany, OR

🇺🇸 United States

$2,910

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Albany, OR

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

Monthly costs for one person with rent: $2,530 in Toronto versus $2,910 in Albany, OR.

Toronto $2,530
Albany, OR $2,910

Estimated couple costs with rent: $3,646 in Toronto versus $4,279 in Albany, OR.

Toronto $3,646
Albany, OR $4,279

Monthly costs for a family of three with rent: $4,761 in Toronto versus $5,647 in Albany, OR.

Toronto $4,761
Albany, OR $5,647

Living in Toronto costs roughly 13% less than in Albany, OR, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 89% above, Albany, OR 117% above.

Meal at Budget Restaurant

$17.67 CA$25.19

$25.39 $25.39

-30.41%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$89.7 $89.7

-13.69%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$14.27 $14.27

-26.63%

Cappuccino

$4.08 CA$5.81

$6.20 $6.20

-34.19%

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

$2.12 CA$3.02

$2.58 $2.58

-17.83%

Water (0.33 liter bottle)

$1.76 CA$2.51

$1.96 $1.96

-10.20%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$7.85 $7.85

-21.40%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$8.17 $8.17

-15.67%

Milk (1 liter)

$2.43 CA$3.46

$0.98 $0.98

147.96%

White Bread (500g)

$2.75 CA$3.92

$3.22 $3.22

-14.60%

Rice (white) (1kg)

$2.23 CA$3.18

$2.05 $2.05

8.78%

Eggs

$3.45 CA$4.91

$3.42 $3.42

0.88%

Local Cheese (1kg)

$8.93 CA$12.73

$7.37 $7.37

21.17%

Chicken Fillets (1kg)

$11.44 CA$16.31

$19.49 $19.49

-41.30%

Beef Round Steak (1kg)

$14.61 CA$20.83

$29.43 $29.43

-50.36%

Apples (1kg)

$3.75 CA$5.34

$6.63 $6.63

-43.44%

Banana (1kg)

$1.15 CA$1.64

$2.09 $2.09

-44.98%

Oranges (1kg)

$3.55 CA$5.06

$5.79 $5.79

-38.69%

Tomato (1kg)

$4.28 CA$6.10

$8.54 $8.54

-49.88%

Potato (1kg)

$1.85 CA$2.63

$2.89 $2.89

-35.99%

Onion (1kg)

$1.67 CA$2.38

$2.32 $2.32

-28.02%

Lettuce (1 head)

$2.22 CA$3.16

$3.25 $3.25

-31.69%

Water (1.5 liter bottle)

$1.21 CA$1.72

$2.52 $2.52

-51.98%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$11.21 $11.21

23.82%

Wine (Bottle)

$14.25 CA$20.31

$14.80 $14.80

-3.72%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$3.37 $3.37

-34.72%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$5.44 $5.44

-55.51%

One-way Ticket (Public Transport)

$2.42 CA$3.44

$2.28 $2.28

6.14%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$5.01 $5.01

-42.12%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$1.90 $1.90

-33.68%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$24.04 $24.04

-8.36%

Gasoline (1 liter)

$1.22 CA$1.74

$1.29 $1.29

-5.43%

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

$27.6K CA$39.4K

$32.9K $32.9K

-16.01%

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

$19.8K CA$28.3K

$26.7K $26.7K

-25.87%

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

$122 CA$174

$325 $325

-62.48%

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

$32.03 CA$45.66

$63.6 $63.6

-49.64%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$67.6 $67.6

-29.07%

Gym Membership (Monthly)

$38.90 CA$55.5

$41.99 $41.99

-7.36%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

Cinema Ticket

$12.61 CA$17.97

$14.76 $14.76

-14.57%

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

$834 CA$1,189

$1,695 $1,695

-50.79%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$24.0K $24.0K

-2.83%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$65.6 $65.6

-19.85%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$41.42 $41.42

-2.80%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$114 $114

-15.67%

Men's Leather Business Shoes

$123 CA$175

$134 $134

-8.12%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$1,576 $1,576

1.42%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$1,489 $1,489

-3.64%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$2,541 $2,541

4.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$2,112 $2,112

-0.75%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$3,046 $3,046

163.76%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

$2,976 $2,976

120.38%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

$4,530 $4,530

-17.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.35

-29.61%

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

Last update for Toronto: October 4, 2026

Last update for Albany, OR: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Albany, OR

$1.5K 48.2% 3.8% $54

Groceries & Markets

Toronto

$340 13.1%

Albany, OR

$497 16.1% 46.2% $157

Eating Out

Toronto

$282 10.9%

Albany, OR

$394 12.8% 39.8% $112

Monthly Utilities & Internet

Toronto

$202 7.8%

Albany, OR

$456 14.8% 126% $254

Clothing & Footwear

Toronto

$140 5.4%

Albany, OR

$160 5.2% 13.8% $19

Getting Around

Toronto

$130 5%

Albany, OR

$24 * 0.8% 81.8% $106

Sport & Entertainment

Toronto

$64 2.5%

Albany, OR

$72 2.3% 11.5% $7.4

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 $1,598 in Toronto and $1,576 in Albany, OR. Housing cost is often the main lever when comparing two cities.

Albany, OR pays 21% 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: $77.0 in Toronto vs $90.0 in Albany, OR for a mid-range dinner for two. Groceries echo the gap at $340 vs $497 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Albany, OR

🕒 Local time

22:19 10:19 PM

19:19 7:19 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

99,224

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

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).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Albany, OR 3,450 km ≈ 4 h 45 min nonstop flight

From you

Toronto
Albany, OR

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

Toronto vs Albany, OR: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 15% lower than in Albany, OR. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

On paper, salaries run 21% lower in Albany, OR. 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: $1,598 in Toronto versus $1,576 in Albany, OR. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 46% higher in Albany, OR. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,530 per month in Toronto versus $2,910 in Albany, OR – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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.

Expats usually find Toronto gentler on the wallet – expenses run 15% less than in Albany, OR. Beyond cost, consider language, visa policies, and how big the international community is in each city.