Cost of Living Comparison Between Toronto and Billings, MT Cost of Living Comparison Between Toronto and Billings, MT

Monthly Cost of Living

A single person spends $2,788 per month in Toronto vs $2,223 in Billings, MT, rent included.

A couple spends around $4,110 per month in Toronto vs $3,395 in Billings, MT, rent included.

A family of three spends $5,432 per month in Toronto vs $4,568 in Billings, MT, rent included.

Toronto costs about 25% more than Billings, MT, driven mainly by Getting Around.

Both Toronto and Billings, MT sit above the global median – Toronto by 109%, Billings, MT by 66%.

Meal at Budget Restaurant

$18.51 CA$26.05

$20.13 $20.13

-8.05%

Three-Course Dinner for Two, Mid-Range

$83.8 CA$118

$60.8 $60.8

37.80%

Fast Food Meal (McDonalds, etc)

$10.97 CA$15.44

$14.46 $14.46

-24.14%

Cappuccino

$3.99 CA$5.61

$5.60 $5.60

-28.75%

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

$2.11 CA$2.98

$2.13 $2.13

-0.94%

Water (0.33 liter bottle)

$1.69 CA$2.38

$2.63 $2.63

-35.74%

Local Beer (0.5 liter draught)

$5.92 CA$8.33

$4.46 $4.46

32.74%

Imported Beer (0.33 liter bottle)

$6.48 CA$9.11

$5.12 $5.12

26.56%

Milk (1 liter)

$2.71 CA$3.82

$1.26 $1.26

115.08%

White Bread (500g)

$2.85 CA$4.02

$4.22 $4.22

-32.46%

Rice (white) (1kg)

$3.56 CA$5.01

$4.10 $4.10

-13.17%

Eggs

$3.54 CA$4.98

$3.12 $3.12

13.46%

Local Cheese (1kg)

$13.26 CA$18.66

$14.44 $14.44

-8.17%

Chicken Fillets (1kg)

$13.05 CA$18.36

$12.34 $12.34

5.75%

Beef Round Steak (1kg)

$16.77 CA$23.59

$15.87 $15.87

5.67%

Apples (1kg)

$4.11 CA$5.79

$4.39 $4.39

-6.38%

Banana (1kg)

$1.14 CA$1.60

$1.40 $1.40

-18.57%

Oranges (1kg)

$3.40 CA$4.78

$3.94 $3.94

-13.71%

Tomato (1kg)

$4.02 CA$5.66

$6.11 $6.11

-34.21%

Potato (1kg)

$2.43 CA$3.42

$1.86 $1.86

30.65%

Onion (1kg)

$2.94 CA$4.13

$3.12 $3.12

-5.77%

Lettuce (1 head)

$2.47 CA$3.48

$2.44 $2.44

1.23%

Water (1.5 liter bottle)

$1.92 CA$2.70

$1.33 $1.33

44.36%

Cigarettes 20 Pack (Marlboro, Camel)

$14.99 CA$21.09

$9.33 $9.33

60.66%

Wine (Bottle)

$14.34 CA$20.17

$13.17 $13.17

8.88%

Local Beer (0.5 liter bottle)

$2.71 CA$3.81

$2.25 $2.25

20.44%

Imported Beer (0.33 liter bottle)

$3.12 CA$4.39

$4.03 $4.03

-22.58%

One-way Ticket (Public Transport)

$2.45 CA$3.45

$2.04 $2.04

20.10%

Public Transport Monthly Pass (Regular Price)

$113 CA$159

$28.27 $28.27

299.12%

Taxi Start (Normal Tariff)

$3.63 CA$5.10

$2.56 $2.56

41.80%

Taxi (Normal Tariff) (1km)

$1.34 CA$1.89

$1.67 $1.67

-19.76%

Taxi 1hour Waiting (Normal Tariff)

$25.55 CA$35.95

$29.39 $29.39

-13.07%

Gasoline (1 liter)

$1.11 CA$1.56

$0.82 $0.82

35.37%

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

$25.3K CA$35.6K

$21.6K $21.6K

16.92%

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

$21.8K CA$30.6K

$25.1K $25.1K

-13.35%

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

$117 CA$164

$156 $156

-25.31%

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

$37.60 CA$52.9

$50.1 $50.1

-24.98%

Internet (50+ Mbps, Unlimited Data)

$53.7 CA$75.6

$69.2 $69.2

-22.42%

Gym Membership (Monthly)

$57.1 CA$80.3

$48.25 $48.25

18.34%

Tennis Court (1 Hour on Weekend)

$20.86 CA$29.35

Cinema Ticket

$11.56 CA$16.26

$14.14 $14.14

-18.25%

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

$1,125 CA$1,583

$992 $992

13.36%

International Primary School, 1 Child (Yearly)

$18.4K CA$25.9K

$32.1K $32.1K

-42.50%

Jeans (Levis 501 Or Similar)

$57.3 CA$80.7

$56.1 $56.1

2.16%

Summer Dress (H&M, Zara, etc)

$39.05 CA$55.0

$66.2 $66.2

-40.99%

Sport Shoes (Adidas, Nike)

$87.6 CA$123

$102 $102

-14.07%

Men's Leather Business Shoes

$114 CA$160

$123 $123

-7.61%

1-bedroom Apartment, City Center (Monthly)

$1,842 CA$2,591

$1,159 $1,159

58.85%

1-bedroom Apartment, Outside City Center (Monthly)

$1,531 CA$2,154

$927 $927

65.09%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,116

$2,125 $2,125

37.65%

3-bedroom Apartment, Outside City Center (Monthly)

$2,502 CA$3,521

$1,887 $1,887

32.62%

Buy Apartment in City Center (m2)

$8,725 CA$12.3K

$2,367 $2,367

268.70%

Buy Apartment Outside City Center (m2)

$6,867 CA$9,663

$2,134 $2,134

221.79%

Average Monthly Net Salary (After Tax)

$3,454 CA$4,860

$3,906 $3,906

-11.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.59

-21.70%

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

Last update for Toronto: July 11, 2026

Last update for Billings, MT: July 14, 2026

Cost Breakdown

A central one-bedroom costs $1,842 in Toronto versus $1,159 in Billings, MT. 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 13% higher in Billings, MT, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $84.0 in Toronto versus $61.0 in Billings, MT. Groceries tell a different story – $395 in Toronto vs $396 in Billings, MT – so Toronto wins on supermarket bills even if dining out costs more.

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 Billings, MT: Cost of Living - Frequently Asked Questions

Toronto costs about 25% more than Billings, MT, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,181 per month in Toronto and $3,334 in Billings, MT. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 299% less in Billings, MT. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $1,125 per month in Toronto and $992 in Billings, MT. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Billings, MT, where all-in costs run around $2,223, than in Toronto at $2,788. In Billings, MT it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Billings, MT – 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 Billings, MT. 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.