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 $2,628 per month in Toronto vs $2,251 in Billings, MT, rent included.

A couple spends around $3,848 per month in Toronto vs $3,516 in Billings, MT, rent included.

A family of three spends $5,067 per month in Toronto vs $4,781 in Billings, MT, rent included.

Toronto costs about 17% more than Billings, MT, driven mainly by Getting Around.

Both Toronto and Billings, MT sit above the global median – Toronto by 91%, Billings, MT by 64%.

Meal at Budget Restaurant

$17.88 CA$24.66

$25.58 $25.58

-30.10%

Three-Course Dinner for Two, Mid-Range

$87.9 CA$121

$75.6 $75.6

16.21%

Fast Food Meal (McDonalds, etc)

$10.93 CA$15.08

$13.54 $13.54

-19.28%

Cappuccino

$4.06 CA$5.60

$6.43 $6.43

-36.86%

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

$2.18 CA$3.01

$2.39 $2.39

-8.79%

Water (0.33 liter bottle)

$1.70 CA$2.34

$1.64 $1.64

3.66%

Local Beer (0.5 liter draught)

$6.69 CA$9.22

$4.15 $4.15

61.20%

Imported Beer (0.33 liter bottle)

$7.35 CA$10.13

$4.89 $4.89

50.31%

Milk (1 liter)

$2.78 CA$3.83

$1.01 $1.01

175.25%

White Bread (500g)

$2.89 CA$3.99

$3.44 $3.44

-15.99%

Rice (white) (1kg)

$2.56 CA$3.54

$3.13 $3.13

-18.21%

Eggs

$3.79 CA$5.22

$3.06 $3.06

23.86%

Local Cheese (1kg)

$10.17 CA$14.02

$12.16 $12.16

-16.37%

Chicken Fillets (1kg)

$11.95 CA$16.48

$11.36 $11.36

5.19%

Beef Round Steak (1kg)

$16.12 CA$22.23

$17.24 $17.24

-6.50%

Apples (1kg)

$3.89 CA$5.37

$3.73 $3.73

4.29%

Banana (1kg)

$1.27 CA$1.76

$1.43 $1.43

-11.19%

Oranges (1kg)

$3.88 CA$5.35

$2.88 $2.88

34.72%

Tomato (1kg)

$4.33 CA$5.97

$4.58 $4.58

-5.46%

Potato (1kg)

$1.83 CA$2.52

$1.18 $1.18

55.08%

Onion (1kg)

$1.50 CA$2.06

$1.96 $1.96

-23.47%

Lettuce (1 head)

$2.28 CA$3.14

$2.29 $2.29

-0.44%

Water (1.5 liter bottle)

$1.44 CA$1.98

$1.47 $1.47

-2.04%

Cigarettes 20 Pack (Marlboro, Camel)

$14.20 CA$19.58

$9.27 $9.27

53.18%

Wine (Bottle)

$14.24 CA$19.64

$10.72 $10.72

32.84%

Local Beer (0.5 liter bottle)

$2.25 CA$3.10

$2.21 $2.21

1.81%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.49

$5.26 $5.26

-51.90%

One-way Ticket (Public Transport)

$2.47 CA$3.41

$1.94 $1.94

27.32%

Public Transport Monthly Pass (Regular Price)

$112 CA$154

$27.57 $27.57

306.09%

Taxi Start (Normal Tariff)

$3.05 CA$4.20

$2.46 $2.46

23.98%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.70

$1.40 $1.40

-11.43%

Taxi 1hour Waiting (Normal Tariff)

$22.44 CA$30.94

$60.1 $60.1

-62.64%

Gasoline (1 liter)

$1.24 CA$1.70

$0.98 $0.98

26.53%

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

$27.5K CA$37.9K

$33.4K $33.4K

-17.66%

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

$21.1K CA$29.2K

$23.9K $23.9K

-11.41%

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

$128 CA$176

$173 $173

-26.21%

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

$33.79 CA$46.59

$48.82 $48.82

-30.79%

Internet (50+ Mbps, Unlimited Data)

$49.25 CA$67.9

$85.4 $85.4

-42.33%

Gym Membership (Monthly)

$40.93 CA$56.5

$47.60 $47.60

-14.01%

Tennis Court (1 Hour on Weekend)

$24.62 CA$33.95

$14.87 $14.87

65.57%

Cinema Ticket

$13.16 CA$18.15

$13.96 $13.96

-5.73%

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

$792 CA$1,093

$1,099 $1,099

-27.91%

International Primary School, 1 Child (Yearly)

$24.1K CA$33.3K

$19.0K $19.0K

27.08%

Jeans (Levis 501 Or Similar)

$54.5 CA$75.2

$59.0 $59.0

-7.62%

Summer Dress (H&M, Zara, etc)

$43.11 CA$59.5

$67.5 $67.5

-36.11%

Sport Shoes (Adidas, Nike)

$102 CA$140

$99.6 $99.6

1.90%

Men's Leather Business Shoes

$123 CA$170

$122 $122

1.41%

1-bedroom Apartment, City Center (Monthly)

$1,653 CA$2,279

$1,182 $1,182

39.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,452 CA$2,002

$956 $956

51.92%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,716

$2,079 $2,079

29.63%

3-bedroom Apartment, Outside City Center (Monthly)

$2,149 CA$2,964

$1,798 $1,798

19.52%

Buy Apartment in City Center (m2)

$8,347 CA$11.5K

$2,368 $2,368

252.53%

Buy Apartment Outside City Center (m2)

$6,816 CA$9,399

$2,099 $2,099

224.66%

Average Monthly Net Salary (After Tax)

$3,614 CA$4,984

$3,847 $3,847

-6.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.49

6.1

-26.39%

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

Last update for Toronto: August 30, 2026

Last update for Billings, MT: August 31, 2026

Cost Breakdown

A central one-bedroom costs $1,653 in Toronto versus $1,182 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 6% 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 $88.0 in Toronto versus $76.0 in Billings, MT. Monthly groceries follow the same trend: $365 vs $353 – making Billings, MT the more affordable choice for daily food spending.

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 17% 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 $3,942 per month in Toronto and $3,377 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 306% less in Billings, MT. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $792 per month in Toronto and $1,099 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 $2,251, than in Toronto at $2,628. 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.