Last update: Oct 2026

Cost of Living Comparison Between Toronto and Belgaum

For one person, living is cheaper in Belgaum: $315 a month against $2,561 in Toronto, rent and utilities included – about $27,000 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
15

Cost of Living Index in Belgaum
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Belgaum Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Belgaum

🇮🇳 India

$315

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Belgaum

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

Monthly costs for one person with rent: $2,561 in Toronto versus $315 in Belgaum.

Toronto $2,561
Belgaum $315

Estimated couple costs with rent: $3,694 in Toronto versus $531 in Belgaum.

Toronto $3,694
Belgaum $531

Monthly costs for a family of three with rent: $4,826 in Toronto versus $747 in Belgaum.

Toronto $4,826
Belgaum $747

Living in Toronto is roughly 713% more expensive than in Belgaum, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Toronto is 90% above, Belgaum is 77% below.

Meal at Budget Restaurant

$17.18 CA$24.29

$1.86 ₹177

823.66%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$10.27 ₹976

639.73%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$2.57 ₹244

310.12%

Cappuccino

$4.02 CA$5.68

$1.60 ₹152

151.25%

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

$2.12 CA$3.00

$0.37 ₹34.89

472.97%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.11 ₹10.60

1490.91%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$0.95 ₹90.5

556.84%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$2.22 ₹211

219.37%

Milk (1 liter)

$2.44 CA$3.45

$0.70 ₹66.4

248.57%

White Bread (500g)

$2.68 CA$3.78

$0.49 ₹46.62

446.94%

Rice (white) (1kg)

$2.24 CA$3.17

$0.59 ₹55.7

279.66%

Eggs

$3.56 CA$5.03

$0.76 ₹72.2

368.42%

Local Cheese (1kg)

$9.09 CA$12.85

$4.47 ₹424

103.36%

Chicken Fillets (1kg)

$11.33 CA$16.01

$2.69 ₹255

321.19%

Beef Round Steak (1kg)

$14.53 CA$20.55

Apples (1kg)

$3.62 CA$5.12

$1.54 ₹146

135.06%

Banana (1kg)

$1.21 CA$1.72

$0.66 ₹63.1

83.33%

Oranges (1kg)

$3.60 CA$5.09

$1.53 ₹146

135.29%

Tomato (1kg)

$4.21 CA$5.96

$0.31 ₹29.50

1258.06%

Potato (1kg)

$1.79 CA$2.53

$0.35 ₹33.22

411.43%

Onion (1kg)

$1.59 CA$2.25

$0.37 ₹35.55

329.73%

Lettuce (1 head)

$2.27 CA$3.21

$0.25 ₹23.49

808.00%

Water (1.5 liter bottle)

$1.25 CA$1.77

$0.29 ₹27.07

331.03%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$4.08 ₹388

238.73%

Wine (Bottle)

$14.27 CA$20.18

$3.56 ₹338

300.84%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.28 ₹122

71.88%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.09 ₹199

16.27%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.41 ₹419

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.20 ₹18.98

1095.00%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$14.37 ₹1,364

671.96%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$1.07 ₹102

171.96%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.51 ₹48.29

135.29%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$0.85 ₹80.8

2415.29%

Gasoline (1 liter)

$1.21 CA$1.71

$1.10 ₹105

10.00%

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

$28.2K CA$39.8K

$11.1K ₹1.0M

154.90%

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

$20.3K CA$28.6K

$18.5K ₹1.8M

9.56%

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

$120 CA$170

$29.57 ₹2,808

307.00%

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

$32.26 CA$45.60

$3.08 ₹292

947.40%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$5.50 ₹522

771.45%

Gym Membership (Monthly)

$38.48 CA$54.4

$4.72 ₹448

715.25%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$5.73 ₹544

300.70%

Cinema Ticket

$12.38 CA$17.50

$2.11 ₹200

486.73%

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

$830 CA$1,173

$20.49 ₹1,946

3950.51%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$837 ₹79.5K

2658.22%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$13.55 ₹1,287

274.24%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$32.25 ₹3,062

24.09%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$31.75 ₹3,015

208.57%

Men's Leather Business Shoes

$121 CA$171

$22.63 ₹2,149

433.14%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$122 ₹11.6K

1206.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$63.7 ₹6,052

2113.01%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$265 ₹25.2K

906.92%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$194 ₹18.5K

1006.78%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$589 ₹55.9K

1248.63%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$398 ₹37.8K

1545.55%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$304 ₹28.8K

1127.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

10.75

-58.42%

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

Last update for Toronto: October 12, 2026

Last update for Belgaum: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Belgaum

$64 20.2% 95.5% $1.3K

Groceries & Markets

Toronto

$340 13.3%

Belgaum

$87 27.7% 74.3% $252

Eating Out

Toronto

$278 10.9%

Belgaum

$53 16.8% 81% $225

Monthly Utilities & Internet

Toronto

$201 7.8%

Belgaum

$38 12.1% 81% $162

Clothing & Footwear

Toronto

$139 5.4%

Belgaum

$45 14.3% 67.6% $94

Getting Around

Toronto

$129 5.1%

Belgaum

$19 6% 85.5% $111

Sport & Entertainment

Toronto

$63 2.5%

Belgaum

$8.9 2.8% 85.9% $54

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $122 in Belgaum. Housing cost is often the main lever when comparing two cities.

Toronto pays 1127% 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 Toronto vs $10.00 in Belgaum for a mid-range dinner for two. Groceries echo the gap at $340 vs $87.0 per month, with Belgaum cheaper across the board.

Good to know

🇨🇦 Toronto

🇮🇳 Belgaum

🕒 Local time

12:16 12:16 PM

21:46 9:46 PM

9 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

600,000

💱 Currency

Canadian Dollar CAD $

Indian Rupee INR ₹

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 17, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Belgaum 12,880 km ≈ 17 h nonstop flight

From you

Toronto
Belgaum

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 Belgaum: Cost of Living - Frequently Asked Questions

Toronto and Belgaum differ by about 713% in total monthly costs ($2,561 vs $315 including rent). Belgaum is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1127% higher in Toronto, 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: $1,592 in Toronto versus $122 in Belgaum. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Belgaum – a meal for two runs $10.00 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,561 per month in Toronto versus $315 in Belgaum – a 713% gap that adds up to real savings over time for anyone picking the cheaper option.

At $315 in Belgaum versus $2,561 in Toronto, a $2,000 budget is realistic in Belgaum but tight or insufficient in Toronto. The gap between the two cities makes Belgaum 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, Toronto and Belgaum 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 Belgaum gentler on the wallet – expenses run 713% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.