Last update: Oct 2026

Cost of Living Comparison Between Toronto and Bellingham, WA

For one person, living is cheaper in Toronto: $2,589 a month against $3,010 in Bellingham, WA, rent and utilities included – about $5,100 less a year. Other living expenses account for most of the difference.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
145

Cost of Living Index in Bellingham, WA
Learn more

Bellingham, WA Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,589

/mo nomad

Bellingham, WA

🇺🇸 United States

$3,010

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Bellingham, WA

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

A single person spends $2,589 per month in Toronto vs $3,010 in Bellingham, WA, rent included.

Toronto $2,589
Bellingham, WA $3,010

A couple spends around $3,710 per month in Toronto vs $4,448 in Bellingham, WA, rent included.

Toronto $3,710
Bellingham, WA $4,448

A family of three spends $4,831 per month in Toronto vs $5,886 in Bellingham, WA, rent included.

Toronto $4,831
Bellingham, WA $5,886

Toronto is about 14% cheaper than Bellingham, WA, and outside of rent the biggest gap is in groceries.

Both Toronto and Bellingham, WA sit above the global median – Toronto by 90%, Bellingham, WA by 121%.

Meal at Budget Restaurant

$17.60 CA$24.70

$24.70 $24.70

-28.74%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$101 $101

-23.04%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.86

$13.26 $13.26

-20.14%

Cappuccino

$4.16 CA$5.83

$5.94 $5.94

-29.97%

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

$2.04 CA$2.87

$3.16 $3.16

-35.44%

Water (0.33 liter bottle)

$1.75 CA$2.46

$2.19 $2.19

-20.09%

Local Beer (0.5 liter draught)

$6.58 CA$9.23

$6.87 $6.87

-4.22%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.98

$6.90 $6.90

3.04%

Milk (1 liter)

$2.53 CA$3.56

$1.13 $1.13

123.89%

White Bread (500g)

$2.70 CA$3.79

$3.82 $3.82

-29.32%

Rice (white) (1kg)

$2.24 CA$3.14

$4.91 $4.91

-54.38%

Eggs

$3.48 CA$4.89

$4.96 $4.96

-29.84%

Local Cheese (1kg)

$9.38 CA$13.16

$18.80 $18.80

-50.11%

Chicken Fillets (1kg)

$11.60 CA$16.28

$18.61 $18.61

-37.67%

Beef Round Steak (1kg)

$14.68 CA$20.61

$23.00 $23.00

-36.17%

Apples (1kg)

$3.74 CA$5.26

$5.14 $5.14

-27.24%

Banana (1kg)

$1.22 CA$1.72

$1.89 $1.89

-35.45%

Oranges (1kg)

$3.48 CA$4.88

$5.32 $5.32

-34.59%

Tomato (1kg)

$4.32 CA$6.07

$6.32 $6.32

-31.65%

Potato (1kg)

$1.85 CA$2.60

$3.61 $3.61

-48.75%

Onion (1kg)

$1.69 CA$2.37

$3.16 $3.16

-46.52%

Lettuce (1 head)

$2.23 CA$3.13

$2.55 $2.55

-12.55%

Water (1.5 liter bottle)

$1.28 CA$1.79

$2.47 $2.47

-48.18%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.71

$12.44 $12.44

12.86%

Wine (Bottle)

$14.43 CA$20.25

$14.95 $14.95

-3.48%

Local Beer (0.5 liter bottle)

$2.16 CA$3.03

$1.76 $1.76

22.73%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.54

$5.74 $5.74

-56.10%

One-way Ticket (Public Transport)

$2.37 CA$3.32

$1.99 $1.99

19.10%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$30.51 $30.51

268.60%

Taxi Start (Normal Tariff)

$3.04 CA$4.27

$2.68 $2.68

13.43%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.74

$1.70 $1.70

-27.06%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.65

$30.27 $30.27

-25.50%

Gasoline (1 liter)

$1.24 CA$1.75

$1.44 $1.44

-13.89%

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

$26.9K CA$37.8K

$27.5K $27.5K

-2.21%

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

$21.4K CA$30.0K

$25.7K $25.7K

-16.84%

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

$125 CA$175

$217 $217

-42.59%

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

$33.05 CA$46.39

$57.4 $57.4

-42.38%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.3

$81.3 $81.3

-41.01%

Gym Membership (Monthly)

$36.69 CA$51.5

$62.0 $62.0

-40.84%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.22

$14.82 $14.82

59.72%

Cinema Ticket

$13.08 CA$18.35

$18.31 $18.31

-28.56%

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

$759 CA$1,065

$1,125 $1,125

-32.54%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.4K

$31.7K $31.7K

-24.98%

Jeans (Levis 501 Or Similar)

$53.5 CA$75.1

$80.5 $80.5

-33.51%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.8

$28.32 $28.32

42.80%

Sport Shoes (Adidas, Nike)

$100 CA$141

$109 $109

-7.68%

Men's Leather Business Shoes

$125 CA$176

$149 $149

-16.13%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,287

$1,707 $1,707

-4.54%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,987

$1,458 $1,458

-2.88%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,781

$2,598 $2,598

3.70%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,949

$2,347 $2,347

-10.50%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$4,441 $4,441

70.02%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,366

$3,925 $3,925

70.04%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,973

$4,391 $4,391

-19.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.68

-33.38%

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

Last update for Toronto: October 26, 2026

Last update for Bellingham, WA: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Bellingham, WA

$1.5K 48.4% 3% $42

Groceries & Markets

Toronto

$345 13.3%

Bellingham, WA

$505 16.8% 46.3% $160

Eating Out

Toronto

$285 11%

Bellingham, WA

$378 12.6% 32.8% $93

Monthly Utilities & Internet

Toronto

$206 7.9%

Bellingham, WA

$356 11.8% 73% $150

Clothing & Footwear

Toronto

$144 5.6%

Bellingham, WA

$165 5.5% 14.8% $21

Getting Around

Toronto

$131 5.1%

Bellingham, WA

$50 1.7% 62.1% $82

Sport & Entertainment

Toronto

$63 2.4%

Bellingham, WA

$99 3.3% 57% $36

Cost Breakdown

A central one-bedroom costs $1,630 in Toronto versus $1,707 in Bellingham, WA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 24% higher in Bellingham, WA. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $78 in Toronto versus $101 in Bellingham, WA. Monthly groceries follow the same trend: $345 vs $505 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Bellingham, WA

🕒 Local time

17:01 5:01 PM

14:01 2:01 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

91,482

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

1 USD = 0.898 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 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 EUR).

United States Dollar exchange rates as of October 28, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Bellingham, WA 3,320 km ≈ 4 h 45 min nonstop flight

From you

Toronto
Bellingham, WA

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 Bellingham, WA: Cost of Living - Frequently Asked Questions

Bellingham, WA costs about 16% more than Toronto, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,883 per month in Toronto and $4,515 in Bellingham, WA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,630 in Toronto and $1,707 in Bellingham, WA. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Kindergarten costs $759 per month in Toronto and $1,125 in Bellingham, WA. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 46% more in Bellingham, WA, though the gap depends on what you buy.

$2,500 is a stretch for both – monthly costs hit $2,589 in Toronto and $3,010 in Bellingham, WA. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Toronto. If higher salaries or specific career opportunities are the priority, Bellingham, WA makes more sense. Both are solid long-term options with distinct trade-offs.