Cost of Living Comparison Between Toronto and Armstrong Cost of Living Comparison Between Toronto and Armstrong

Monthly Cost of Living

Monthly costs for one person with rent: $2,768 in Toronto versus $2,433 in Armstrong.

Estimated couple costs with rent: $4,066 in Toronto versus $3,470 in Armstrong.

Monthly costs for a family of three with rent: $5,364 in Toronto versus $4,506 in Armstrong.

Living in Toronto is roughly 14% more expensive than Armstrong, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 106% above, Armstrong 81% above.

Meal at Budget Restaurant

$18.40 CA$25.20

$22.21 CA$30.42

-17.15%

Three-Course Dinner for Two, Mid-Range

$81.3 CA$111

$71.0 CA$97.3

14.55%

Fast Food Meal (McDonalds, etc)

$10.92 CA$14.97

$10.95 CA$15.00

-0.27%

Cappuccino

$3.83 CA$5.25

$3.70 CA$5.07

3.51%

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

$2.19 CA$3.01

$2.62 CA$3.59

-16.41%

Water (0.33 liter bottle)

$1.64 CA$2.25

$1.91 CA$2.62

-14.14%

Local Beer (0.5 liter draught)

$5.87 CA$8.05

$5.98 CA$8.19

-1.84%

Imported Beer (0.33 liter bottle)

$6.74 CA$9.24

$6.64 CA$9.10

1.51%

Milk (1 liter)

$2.69 CA$3.68

$2.78 CA$3.81

-3.24%

White Bread (500g)

$2.78 CA$3.81

$2.54 CA$3.48

9.45%

Rice (white) (1kg)

$3.51 CA$4.81

$3.40 CA$4.66

3.24%

Eggs

$3.47 CA$4.76

$3.82 CA$5.23

-9.16%

Local Cheese (1kg)

$13.25 CA$18.15

$9.94 CA$13.62

33.30%

Chicken Fillets (1kg)

$12.92 CA$17.70

$10.60 CA$14.52

21.89%

Beef Round Steak (1kg)

$16.38 CA$22.44

$15.82 CA$21.68

3.54%

Apples (1kg)

$4.03 CA$5.52

$3.84 CA$5.27

4.95%

Banana (1kg)

$1.17 CA$1.61

$1.72 CA$2.36

-31.98%

Oranges (1kg)

$3.35 CA$4.59

$4.01 CA$5.50

-16.46%

Tomato (1kg)

$4.01 CA$5.50

$4.08 CA$5.58

-1.72%

Potato (1kg)

$2.44 CA$3.34

$2.65 CA$3.64

-7.92%

Onion (1kg)

$2.84 CA$3.90

$2.22 CA$3.05

27.93%

Lettuce (1 head)

$2.39 CA$3.27

$2.83 CA$3.87

-15.55%

Water (1.5 liter bottle)

$1.98 CA$2.71

$1.75 CA$2.40

13.14%

Cigarettes 20 Pack (Marlboro, Camel)

$14.82 CA$20.31

$13.37 CA$18.32

10.85%

Wine (Bottle)

$14.37 CA$19.68

$13.25 CA$18.15

8.45%

Local Beer (0.5 liter bottle)

$2.77 CA$3.79

$3.47 CA$4.76

-20.17%

Imported Beer (0.33 liter bottle)

$3.30 CA$4.52

$3.85 CA$5.28

-14.29%

One-way Ticket (Public Transport)

$2.45 CA$3.35

$2.33 CA$3.20

5.15%

Public Transport Monthly Pass (Regular Price)

$113 CA$155

$63.3 CA$86.7

79.37%

Taxi Start (Normal Tariff)

$3.61 CA$4.95

$2.49 CA$3.41

44.98%

Taxi (Normal Tariff) (1km)

$1.42 CA$1.94

$1.66 CA$2.28

-14.46%

Taxi 1hour Waiting (Normal Tariff)

$25.90 CA$35.48

$12.76 CA$17.48

102.98%

Gasoline (1 liter)

$1.10 CA$1.50

$1.27 CA$1.74

-13.39%

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

$25.5K CA$35.0K

$24.9K CA$34.2K

2.42%

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

$21.0K CA$28.7K

$20.0K CA$27.4K

4.71%

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

$119 CA$163

$163 CA$224

-27.39%

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

$37.69 CA$51.6

$45.14 CA$61.8

-16.50%

Internet (50+ Mbps, Unlimited Data)

$54.6 CA$74.7

$63.6 CA$87.1

-14.24%

Gym Membership (Monthly)

$57.3 CA$78.5

$41.94 CA$57.5

36.53%

Tennis Court (1 Hour on Weekend)

$20.68 CA$28.33

Cinema Ticket

$11.62 CA$15.92

$10.66 CA$14.60

9.01%

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

$1,118 CA$1,531

$444 CA$609

151.53%

International Primary School, 1 Child (Yearly)

$18.3K CA$25.0K

$4,116 CA$5,639

344.15%

Jeans (Levis 501 Or Similar)

$57.3 CA$78.6

$60.8 CA$83.3

-5.66%

Summer Dress (H&M, Zara, etc)

$39.80 CA$54.5

$39.10 CA$53.6

1.79%

Sport Shoes (Adidas, Nike)

$88.4 CA$121

$81.8 CA$112

8.11%

Men's Leather Business Shoes

$116 CA$159

$78.4 CA$107

47.84%

1-bedroom Apartment, City Center (Monthly)

$1,836 CA$2,516

$1,313 CA$1,798

39.88%

1-bedroom Apartment, Outside City Center (Monthly)

$1,550 CA$2,124

$1,169 CA$1,601

32.67%

3-bedroom Apartment, City Center (Monthly)

$2,991 CA$4,097

$2,028 CA$2,778

47.50%

3-bedroom Apartment, Outside City Center (Monthly)

$2,492 CA$3,415

$1,823 CA$2,497

36.75%

Buy Apartment in City Center (m2)

$8,566 CA$11.7K

$4,275 CA$5,856

100.38%

Buy Apartment Outside City Center (m2)

$6,905 CA$9,460

$3,225 CA$4,419

114.08%

Average Monthly Net Salary (After Tax)

$3,697 CA$5,064

$1,096 CA$1,501

237.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.36

-18.87%

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

Last update for Toronto: April 13, 2026

Last update for Armstrong: April 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,836 in Toronto and $1,313 in Armstrong. Housing cost is often the main lever when comparing two cities.

Toronto pays 237% 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: $81 in Toronto vs $71 in Armstrong for a mid-range dinner for two. Groceries echo the gap at $392 vs $375 per month, with Armstrong cheaper across the board.

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 Armstrong: Cost of Living - Frequently Asked Questions

Armstrong is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Getting Around, Sport & Entertainment. The 14% gap adds up to real monthly savings that compound significantly over time.

Toronto pays 237% more on average, 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: $1,836 in Toronto versus $1,313 in Armstrong. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Armstrong runs roughly 79% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $1,118 in Toronto versus $444 in Armstrong. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $2,433 in Armstrong versus $2,768 in Toronto, a $2,500 budget is realistic in Armstrong but tight or insufficient in Toronto. The gap between the two cities makes Armstrong 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.

Expats usually find Armstrong gentler on the wallet – expenses run 14% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.