Last update: Oct 2026

Cost of Living Comparison Between Toronto and Armstrong

For one person, living is cheaper in Armstrong: $2,351 a month against $2,589 in Toronto, rent and utilities included – about $2,900 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
110

Cost of Living Index in Armstrong
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Armstrong Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Armstrong

🇨🇦 Canada

$2,351

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Armstrong

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 Armstrong actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,589 in Toronto versus $2,351 in Armstrong.

Toronto $2,589
Armstrong $2,351

Estimated couple costs with rent: $3,710 in Toronto versus $3,332 in Armstrong.

Toronto $3,710
Armstrong $3,332

Monthly costs for a family of three with rent: $4,831 in Toronto versus $4,313 in Armstrong.

Toronto $4,831
Armstrong $4,313

Living in Toronto is roughly 10% more expensive than in Armstrong, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Armstrong 73% above.

Meal at Budget Restaurant

$17.60 CA$24.70

$21.48 CA$30.14

-18.06%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$75.4 CA$106

3.16%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.86

$10.60 CA$14.87

-0.09%

Cappuccino

$4.16 CA$5.83

$3.65 CA$5.12

13.97%

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

$2.04 CA$2.87

$2.51 CA$3.52

-18.73%

Water (0.33 liter bottle)

$1.75 CA$2.46

$1.72 CA$2.42

1.74%

Local Beer (0.5 liter draught)

$6.58 CA$9.23

$5.99 CA$8.41

9.85%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.98

$6.48 CA$9.09

9.72%

Milk (1 liter)

$2.53 CA$3.56

$2.43 CA$3.40

4.12%

White Bread (500g)

$2.70 CA$3.79

$2.43 CA$3.40

11.11%

Rice (white) (1kg)

$2.24 CA$3.14

$3.14 CA$4.40

-28.66%

Eggs

$3.48 CA$4.89

$3.65 CA$5.13

-4.66%

Local Cheese (1kg)

$9.38 CA$13.16

$10.23 CA$14.36

-8.31%

Chicken Fillets (1kg)

$11.60 CA$16.28

$10.35 CA$14.52

12.08%

Beef Round Steak (1kg)

$14.68 CA$20.61

$17.32 CA$24.31

-15.24%

Apples (1kg)

$3.74 CA$5.26

$3.91 CA$5.49

-4.35%

Banana (1kg)

$1.22 CA$1.72

$1.41 CA$1.98

-13.48%

Oranges (1kg)

$3.48 CA$4.88

$4.14 CA$5.81

-15.94%

Tomato (1kg)

$4.32 CA$6.07

$4.08 CA$5.73

5.88%

Potato (1kg)

$1.85 CA$2.60

$2.68 CA$3.77

-30.97%

Onion (1kg)

$1.69 CA$2.37

$2.28 CA$3.20

-25.88%

Lettuce (1 head)

$2.23 CA$3.13

$2.53 CA$3.56

-11.86%

Water (1.5 liter bottle)

$1.28 CA$1.79

$1.46 CA$2.06

-12.33%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.71

$12.96 CA$18.19

8.33%

Wine (Bottle)

$14.43 CA$20.25

$12.95 CA$18.17

11.43%

Local Beer (0.5 liter bottle)

$2.16 CA$3.03

$3.29 CA$4.62

-34.35%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.54

$3.86 CA$5.42

-34.72%

One-way Ticket (Public Transport)

$2.37 CA$3.32

$2.29 CA$3.22

3.49%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$58.6 CA$82.2

91.94%

Taxi Start (Normal Tariff)

$3.04 CA$4.27

$2.10 CA$2.94

44.76%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.74

$1.92 CA$2.69

-35.42%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.65

$12.44 CA$17.45

81.27%

Gasoline (1 liter)

$1.24 CA$1.75

$1.31 CA$1.83

-5.34%

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

$26.9K CA$37.8K

$25.7K CA$36.1K

4.68%

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

$21.4K CA$30.0K

$19.8K CA$27.8K

8.14%

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

$125 CA$175

$136 CA$191

-8.20%

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

$33.05 CA$46.39

$28.07 CA$39.39

17.74%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.3

$56.0 CA$78.5

-14.28%

Gym Membership (Monthly)

$36.69 CA$51.5

$37.31 CA$52.4

-1.66%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.22

$17.08 CA$23.97

38.58%

Cinema Ticket

$13.08 CA$18.35

$10.51 CA$14.74

24.45%

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

$759 CA$1,065

$144 CA$201

428.86%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.4K

$3,850 CA$5,403

517.75%

Jeans (Levis 501 Or Similar)

$53.5 CA$75.1

$60.2 CA$84.4

-10.99%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.8

$38.14 CA$53.5

6.03%

Sport Shoes (Adidas, Nike)

$100 CA$141

$80.7 CA$113

24.57%

Men's Leather Business Shoes

$125 CA$176

$75.8 CA$106

65.17%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,287

$1,096 CA$1,539

48.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,987

$1,206 CA$1,693

17.37%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,781

$1,825 CA$2,561

47.63%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,949

$1,673 CA$2,348

25.56%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$4,342 CA$6,093

73.91%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,366

$3,765 CA$5,284

77.24%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,973

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.58

-2.84%

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

Last update for Toronto: October 26, 2026

Last update for Armstrong: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Armstrong

$1.2K 51.3% 14.8% $210

Groceries & Markets

Toronto

$345 13.3%

Armstrong

$365 15.5% 6% $21

Eating Out

Toronto

$285 11%

Armstrong

$307 13.1% 7.9% $23

Monthly Utilities & Internet

Toronto

$206 7.9%

Armstrong

$220 9.4% 6.9% $14

Clothing & Footwear

Toronto

$144 5.6%

Armstrong

$115 4.9% 20.3% $29

Getting Around

Toronto

$131 5.1%

Armstrong

$79 3.4% 39.4% $52

Sport & Entertainment

Toronto

$63 2.4%

Armstrong

$58 2.5% 7.2% $4.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,096 in Armstrong. Housing cost is often the main lever when comparing two cities.

Dining out: $78 in Toronto vs $75 in Armstrong. Groceries flip the comparison at $345 vs $365, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Armstrong

🕒 Local time

17:19 5:19 PM

Same time as Toronto

🌤 Weather

👥 Population

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

Exchange rates and currency converter

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Between locations

Toronto Armstrong 1,040 km ≈ 1 h 45 min nonstop flight

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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

Toronto vs Armstrong: Cost of Living - Frequently Asked Questions

Armstrong is about 9% cheaper overall, especially in transport, clothing, and leisure. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $3,883 in Toronto and $3,527 in Armstrong to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,630 in Toronto versus $1,096 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 48% less than in Toronto. The price difference matters if you commute daily and watch your budget.

Childcare runs $759 in Toronto versus $144 in Armstrong. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

For families, Armstrong is more practical. Housing and childcare are both notably cheaper than in Toronto, and the savings on those two alone free up budget for education, activities, and family trips.