Last update: Oct 2026

Cost of Living Comparison Between Toronto and Billings, MT

For one person, living is cheaper in Billings, MT: $2,260 a month against $2,561 in Toronto, rent and utilities included – about $3,600 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
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Toronto Living Index
110

Cost of Living Index in Billings, MT
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Billings, MT Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Billings, MT

🇺🇸 United States

$2,260

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Billings, MT

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

A single person spends $2,561 per month in Toronto vs $2,260 in Billings, MT, rent included.

Toronto $2,561
Billings, MT $2,260

A couple spends around $3,694 per month in Toronto vs $3,500 in Billings, MT, rent included.

Toronto $3,694
Billings, MT $3,500

A family of three spends $4,826 per month in Toronto vs $4,739 in Billings, MT, rent included.

Toronto $4,826
Billings, MT $4,739

Toronto costs about 13% more than Billings, MT, and outside of rent the biggest gap is in eating out.

Both Toronto and Billings, MT sit above the global median – Toronto by 90%, Billings, MT by 67%.

Meal at Budget Restaurant

$17.18 CA$24.29

$26.42 $26.42

-34.97%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$74.7 $74.7

1.66%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$13.32 $13.32

-20.87%

Cappuccino

$4.02 CA$5.68

$6.18 $6.18

-34.95%

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

$2.12 CA$3.00

$2.46 $2.46

-13.82%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.59 $1.59

10.06%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$4.07 $4.07

53.32%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$4.88 $4.88

45.29%

Milk (1 liter)

$2.44 CA$3.45

$1.05 $1.05

132.38%

White Bread (500g)

$2.68 CA$3.78

$3.54 $3.54

-24.29%

Rice (white) (1kg)

$2.24 CA$3.17

$3.10 $3.10

-27.74%

Eggs

$3.56 CA$5.03

$3.07 $3.07

15.96%

Local Cheese (1kg)

$9.09 CA$12.85

$11.84 $11.84

-23.23%

Chicken Fillets (1kg)

$11.33 CA$16.01

$11.65 $11.65

-2.75%

Beef Round Steak (1kg)

$14.53 CA$20.55

$17.45 $17.45

-16.73%

Apples (1kg)

$3.62 CA$5.12

$3.57 $3.57

1.40%

Banana (1kg)

$1.21 CA$1.72

$1.44 $1.44

-15.97%

Oranges (1kg)

$3.60 CA$5.09

$2.99 $2.99

20.40%

Tomato (1kg)

$4.21 CA$5.96

$4.49 $4.49

-6.24%

Potato (1kg)

$1.79 CA$2.53

$1.18 $1.18

51.69%

Onion (1kg)

$1.59 CA$2.25

$2.02 $2.02

-21.29%

Lettuce (1 head)

$2.27 CA$3.21

$2.30 $2.30

-1.30%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.42 $1.42

-11.97%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$9.45 $9.45

46.24%

Wine (Bottle)

$14.27 CA$20.18

$10.92 $10.92

30.68%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.20 $2.20

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$5.07 $5.07

-52.07%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$1.96 $1.96

21.94%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$27.77 $27.77

299.46%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$2.44 $2.44

19.26%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.35 $1.35

-11.11%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$59.1 $59.1

-63.85%

Gasoline (1 liter)

$1.21 CA$1.71

$1.03 $1.03

17.48%

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

$28.2K CA$39.8K

$33.0K $33.0K

-14.75%

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

$20.3K CA$28.6K

$24.3K $24.3K

-16.80%

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

$120 CA$170

$176 $176

-31.53%

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

$32.26 CA$45.60

$49.08 $49.08

-34.27%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$85.9 $85.9

-44.22%

Gym Membership (Monthly)

$38.48 CA$54.4

$48.69 $48.69

-20.97%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$15.19 $15.19

51.15%

Cinema Ticket

$12.38 CA$17.50

$13.57 $13.57

-8.77%

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

$830 CA$1,173

$1,074 $1,074

-22.71%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$19.1K $19.1K

21.08%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$61.2 $61.2

-17.07%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$67.0 $67.0

-40.23%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$97.5 $97.5

0.53%

Men's Leather Business Shoes

$121 CA$171

$121 $121

-0.37%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,262 $1,262

26.16%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$947 $947

49.00%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,110 $2,110

26.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,818 $1,818

18.37%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$2,393 $2,393

232.02%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$2,096 $2,096

212.16%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,936 $3,936

-5.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.4

-30.16%

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

Last update for Toronto: October 12, 2026

Last update for Billings, MT: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Billings, MT

$947 41.9% 32.9% $464

Groceries & Markets

Toronto

$340 13.3%

Billings, MT

$354 15.7% 4.3% $15

Eating Out

Toronto

$278 10.9%

Billings, MT

$372 16.5% 33.7% $94

Monthly Utilities & Internet

Toronto

$201 7.8%

Billings, MT

$311 13.8% 55% $110

Clothing & Footwear

Toronto

$139 5.4%

Billings, MT

$156 6.9% 12.1% $17

Getting Around

Toronto

$129 5.1%

Billings, MT

$45 2% 65.4% $85

Sport & Entertainment

Toronto

$63 2.5%

Billings, MT

$76 3.4% 19.9% $13

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $1,262 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 $76.0 in Toronto versus $75.0 in Billings, MT. Groceries tell a different story – $340 in Toronto vs $354 in Billings, MT – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Billings, MT

🕒 Local time

13:48 1:48 PM

11:48 11:48 AM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

117,116

💱 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 19, 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 19, 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 Billings, MT 2,300 km ≈ 3 h 15 min nonstop flight

From you

Toronto
Billings, MT

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 Billings, MT: Cost of Living - Frequently Asked Questions

Toronto costs about 13% more than Billings, MT, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,841 per month in Toronto and $3,390 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 $830 per month in Toronto and $1,074 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 $2,260, than in Toronto at $2,561. 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.