Last update: Oct 2026

Cost of Living Comparison Between Toronto and Bemidji, MN

For one person, living costs are similar in Toronto and in Bemidji, MN: $2,610 and $2,544 a month, rent and utilities included.

126

Cost of Living Index in Toronto
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Toronto Living Index
124

Cost of Living Index in Bemidji, MN
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Bemidji, MN Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Bemidji, MN

🇺🇸 United States

$2,544

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Bemidji, MN

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

A single person spends $2,610 per month in Toronto vs $2,544 in Bemidji, MN, rent included.

Toronto $2,610
Bemidji, MN $2,544

A couple spends around $3,727 per month in Toronto vs $3,762 in Bemidji, MN, rent included.

Toronto $3,727
Bemidji, MN $3,762

A family of three spends $4,844 per month in Toronto vs $4,979 in Bemidji, MN, rent included.

Toronto $4,844
Bemidji, MN $4,979

Toronto costs about 3% more than Bemidji, MN, and outside of rent the biggest gap is in transport.

Both Toronto and Bemidji, MN sit above the global median – Toronto by 93%, Bemidji, MN by 88%.

Meal at Budget Restaurant

$17.59 CA$24.87

$20.32 $20.32

-13.44%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$74.4 $74.4

5.93%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$11.30 $11.30

-5.04%

Cappuccino

$4.09 CA$5.78

$5.24 $5.24

-21.95%

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

$2.10 CA$2.97

$2.61 $2.61

-19.54%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.96 $1.96

-12.24%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$6.05 $6.05

5.12%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.36 $7.36

-3.80%

Milk (1 liter)

$2.54 CA$3.59

$1.02 $1.02

149.02%

White Bread (500g)

$2.72 CA$3.85

$3.48 $3.48

-21.84%

Rice (white) (1kg)

$2.18 CA$3.09

$4.35 $4.35

-49.89%

Eggs

$3.63 CA$5.13

$3.78 $3.78

-3.97%

Local Cheese (1kg)

$9.46 CA$13.37

$11.71 $11.71

-19.21%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.70 $11.70

-1.37%

Beef Round Steak (1kg)

$14.37 CA$20.32

$17.03 $17.03

-15.62%

Apples (1kg)

$3.70 CA$5.23

$5.53 $5.53

-33.09%

Banana (1kg)

$1.19 CA$1.68

$1.41 $1.41

-15.60%

Oranges (1kg)

$3.46 CA$4.90

$4.76 $4.76

-27.31%

Tomato (1kg)

$4.22 CA$5.97

$4.94 $4.94

-14.57%

Potato (1kg)

$1.79 CA$2.52

$2.69 $2.69

-33.46%

Onion (1kg)

$1.65 CA$2.33

$2.79 $2.79

-40.86%

Lettuce (1 head)

$2.20 CA$3.11

$2.25 $2.25

-2.22%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.16 $2.16

-41.67%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$11.26 $11.26

24.07%

Wine (Bottle)

$14.20 CA$20.07

$14.72 $14.72

-3.53%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.75 $1.75

28.57%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.94 $2.94

-13.95%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$2.01 $2.01

15.42%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$2.95 $2.95

3.73%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.85 $1.85

-34.05%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$29.75 $29.75

-27.09%

Gasoline (1 liter)

$1.21 CA$1.72

$0.76 $0.76

59.21%

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

$26.1K CA$37.0K

$32.1K $32.1K

-18.52%

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

$21.1K CA$29.9K

$24.9K $24.9K

-15.04%

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

$120 CA$169

$199 $199

-39.95%

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

$32.21 CA$45.54

$60.8 $60.8

-46.98%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$68.8 $68.8

-28.97%

Gym Membership (Monthly)

$39.34 CA$55.6

$42.30 $42.30

-7.00%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$12.82 $12.82

-1.87%

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

$832 CA$1,176

$1,426 $1,426

-41.68%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$22.7K $22.7K

3.83%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$47.82 $47.82

9.33%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$39.77 $39.77

-0.83%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$100 $100

-1.45%

Men's Leather Business Shoes

$122 CA$172

$102 $102

18.99%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,625 $1,625

0.38%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,279 $1,279

13.21%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,501 $2,501

9.45%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,188 $2,188

-2.69%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,772 $2,772

196.05%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,391 $2,391

185.99%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.57

-31.96%

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

Last update for Toronto: October 18, 2026

Last update for Bemidji, MN: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Bemidji, MN

$1.3K 50.3% 11.7% $169

Groceries & Markets

Toronto

$343 13.1%

Bemidji, MN

$395 15.5% 15.1% $52

Eating Out

Toronto

$283 10.9%

Bemidji, MN

$323 12.7% 13.9% $39

Monthly Utilities & Internet

Toronto

$201 7.7%

Bemidji, MN

$329 12.9% 63.8% $128

Clothing & Footwear

Toronto

$141 5.4%

Bemidji, MN

$131 5.1% 7.1% $10

Getting Around

Toronto

$130 5%

Bemidji, MN

$20 * 0.8% 84.4% $110

Sport & Entertainment

Toronto

$65 2.5%

Bemidji, MN

$68 2.7% 5.3% $3.4

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,631 in Toronto versus $1,625 in Bemidji, MN. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $79.0 in Toronto versus $74.0 in Bemidji, MN. Groceries tell a different story – $343 in Toronto vs $395 in Bemidji, MN – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Bemidji, MN

🕒 Local time

13:58 1:58 PM

12:58 12:58 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

13,431

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 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 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Bemidji, MN 1,280 km ≈ 2 h nonstop flight

From you

Toronto
Bemidji, MN

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 Bemidji, MN: Cost of Living - Frequently Asked Questions

Toronto costs about 3% more than Bemidji, MN, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,916 per month in Toronto and $3,816 in Bemidji, MN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Bemidji, MN, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $79.0 in Toronto and $74.0 in Bemidji, MN. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 15% cheaper in Toronto – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,000 is a stretch for both – monthly costs hit $2,610 in Toronto and $2,544 in Bemidji, MN. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Bemidji, MN – 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 Bemidji, MN. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.