Last update: Nov 2026

Cost of Living Comparison Between Toronto and Caguas

For one person, living is cheaper in Caguas: $1,613 a month against $2,599 in Toronto, rent and utilities included – about $11,800 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
77

Cost of Living Index in Caguas
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Caguas Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Caguas

🇵🇷 Puerto Rico

$1,613

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Caguas

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

A single person spends $2,599 per month in Toronto vs $1,613 in Caguas, rent included.

Toronto $2,599
Caguas $1,613

A couple spends around $3,700 per month in Toronto vs $2,583 in Caguas, rent included.

Toronto $3,700
Caguas $2,583

A family of three spends $4,801 per month in Toronto vs $3,552 in Caguas, rent included.

Toronto $4,801
Caguas $3,552

Toronto costs about 61% more than Caguas, and outside of rent the biggest gap is in eating out.

Both Toronto and Caguas sit above the global median – Toronto by 92%, Caguas by 19%.

Meal at Budget Restaurant

$17.98 CA$25.20

$15.03 $15.03

19.63%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$84.4 $84.4

-14.41%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$8.63 $8.63

25.49%

Cappuccino

$4.34 CA$6.09

$2.27 $2.27

91.19%

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

$2.16 CA$3.03

$1.11 $1.11

94.59%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.17 $1.17

41.88%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$1.52 $1.52

317.76%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$4.04 $4.04

81.68%

Milk (1 liter)

$2.57 CA$3.60

$2.11 $2.11

21.80%

White Bread (500g)

$2.71 CA$3.79

$2.82 $2.82

-3.90%

Rice (white) (1kg)

$2.28 CA$3.19

$2.25 $2.25

1.33%

Eggs

$3.60 CA$5.05

$4.79 $4.79

-24.84%

Local Cheese (1kg)

$8.94 CA$12.54

$6.72 $6.72

33.04%

Chicken Fillets (1kg)

$11.19 CA$15.69

$9.21 $9.21

21.50%

Beef Round Steak (1kg)

$15.23 CA$21.34

$11.77 $11.77

29.40%

Apples (1kg)

$3.74 CA$5.25

$5.02 $5.02

-25.50%

Banana (1kg)

$1.23 CA$1.72

$2.64 $2.64

-53.41%

Oranges (1kg)

$3.58 CA$5.02

$2.46 $2.46

45.53%

Tomato (1kg)

$4.25 CA$5.96

$4.28 $4.28

-0.70%

Potato (1kg)

$1.94 CA$2.72

$2.52 $2.52

-23.02%

Onion (1kg)

$1.67 CA$2.34

$2.70 $2.70

-38.15%

Lettuce (1 head)

$2.30 CA$3.22

$2.26 $2.26

1.77%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.63 $1.63

-22.70%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$10.40 $10.40

36.44%

Wine (Bottle)

$14.25 CA$19.97

$13.76 $13.76

3.56%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$1.44 $1.44

58.33%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$2.22 $2.22

16.22%

One-way Ticket (Public Transport)

$2.35 CA$3.30

$2.02 $2.02

16.34%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$70.2 $70.2

58.14%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$2.48 $2.48

21.37%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.46 $1.46

-16.44%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

$41.54 $41.54

-47.47%

Gasoline (1 liter)

$1.23 CA$1.73

$0.92 $0.92

33.70%

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

$27.0K CA$37.8K

$30.2K $30.2K

-10.67%

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

$21.8K CA$30.6K

$25.9K $25.9K

-15.55%

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

$121 CA$169

$190 $190

-36.36%

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

$33.10 CA$46.40

$58.8 $58.8

-43.69%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$56.0 $56.0

-12.39%

Gym Membership (Monthly)

$36.65 CA$51.4

$34.23 $34.23

7.07%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

$49.03 $49.03

-48.99%

Cinema Ticket

$12.78 CA$17.91

$9.82 $9.82

30.14%

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

$754 CA$1,058

$299 $299

152.19%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$12.1K $12.1K

179.22%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$25.95 $25.95

94.18%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$35.63 $35.63

16.28%

Sport Shoes (Adidas, Nike)

$101 CA$142

$79.0 $79.0

28.17%

Men's Leather Business Shoes

$130 CA$183

$116 $116

12.69%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$751 $751

111.76%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$522 $522

173.08%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$1,113 $1,113

137.20%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$993 $993

110.50%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

$2,369 $2,369

226.34%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

$859 $859

701.85%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$3,014 $3,014

20.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.85

-8.25%

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

Last update for Toronto: November 2, 2026

Last update for Caguas: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Caguas

$522 32.3% 63.4% $903

Groceries & Markets

Toronto

$345 13.3%

Caguas

$332 20.6% 3.8% $13

Eating Out

Toronto

$290 11.2%

Caguas

$198 12.3% 31.7% $92

Monthly Utilities & Internet

Toronto

$203 7.8%

Caguas

$305 18.9% 50.1% $102

Clothing & Footwear

Toronto

$145 5.6%

Caguas

$115 7.1% 20.8% $30

Getting Around

Toronto

$130 5%

Caguas

$88 5.5% 32% $41

Sport & Entertainment

Toronto

$62 2.4%

Caguas

$54 3.3% 13.4% $8.3

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $751 in Caguas. 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 20% higher in Toronto, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $72 in Toronto versus $84 in Caguas. Groceries tell a different story – $345 in Toronto vs $332 in Caguas – so Caguas wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇵🇷 Caguas

🕒 Local time

20:03 8:03 PM

21:03 9:03 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

70,318

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Caguas 3,090 km ≈ 4 h 15 min nonstop flight

From you

Toronto
Caguas

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 Caguas: Cost of Living - Frequently Asked Questions

Toronto costs about 61% more than Caguas, 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 $3,899 per month in Toronto and $2,420 in Caguas. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Caguas, especially for central apartments: a one-bedroom in the center costs $751 there versus $1,590 in Toronto.

A mid-range dinner for two costs $72 in Toronto and $84 in Caguas. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,599 in Toronto and $1,613 in Caguas. That makes Caguas about 38% cheaper.

A $2,000 monthly budget goes further in Caguas, where all-in costs run around $1,613, than in Toronto at $2,599. In Caguas it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

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