Last update: Oct 2026

Cost of Living Comparison Between Toronto and Cajamarca

For one person, living is cheaper in Cajamarca: $695 a month against $2,530 in Toronto, rent and utilities included – about $22,000 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
33

Cost of Living Index in Cajamarca
Learn more

Cajamarca Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Cajamarca

🇵🇪 Peru

$695

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Cajamarca

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

Monthly costs for one person with rent: $2,530 in Toronto versus $695 in Cajamarca.

Toronto $2,530
Cajamarca $695

Estimated couple costs with rent: $3,646 in Toronto versus $1,177 in Cajamarca.

Toronto $3,646
Cajamarca $1,177

Monthly costs for a family of three with rent: $4,761 in Toronto versus $1,658 in Cajamarca.

Toronto $4,761
Cajamarca $1,658

Living in Toronto is roughly 264% more expensive than in Cajamarca, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Toronto is 89% above, Cajamarca is 48% below.

Meal at Budget Restaurant

$17.67 CA$25.13

$3.57 PEN 12.30

394.96%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$28.96 PEN 99.6

167.20%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.90

$5.95 PEN 20.46

75.97%

Cappuccino

$4.08 CA$5.80

$2.64 PEN 9.08

54.55%

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

$2.12 CA$3.01

$0.79 PEN 2.72

168.35%

Water (0.33 liter bottle)

$1.76 CA$2.50

$0.62 PEN 2.12

183.87%

Local Beer (0.5 liter draught)

$6.17 CA$8.78

$2.30 PEN 7.92

168.26%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.80

$3.64 PEN 12.50

89.29%

Milk (1 liter)

$2.43 CA$3.46

$1.38 PEN 4.76

76.09%

White Bread (500g)

$2.75 CA$3.91

$3.27 PEN 11.25

-15.90%

Rice (white) (1kg)

$2.23 CA$3.17

$1.29 PEN 4.44

72.87%

Eggs

$3.45 CA$4.90

$2.28 PEN 7.85

51.32%

Local Cheese (1kg)

$8.93 CA$12.71

$7.58 PEN 26.09

17.81%

Chicken Fillets (1kg)

$11.44 CA$16.27

$6.28 PEN 21.60

82.17%

Beef Round Steak (1kg)

$14.61 CA$20.78

$13.12 PEN 45.12

11.36%

Apples (1kg)

$3.75 CA$5.33

$1.06 PEN 3.66

253.77%

Banana (1kg)

$1.15 CA$1.63

$0.78 PEN 2.69

47.44%

Oranges (1kg)

$3.55 CA$5.05

$1.23 PEN 4.22

188.62%

Tomato (1kg)

$4.28 CA$6.09

$1.08 PEN 3.71

296.30%

Potato (1kg)

$1.85 CA$2.62

$0.74 PEN 2.53

150.00%

Onion (1kg)

$1.67 CA$2.37

$1.00 PEN 3.42

67.00%

Lettuce (1 head)

$2.22 CA$3.15

$0.72 PEN 2.48

208.33%

Water (1.5 liter bottle)

$1.21 CA$1.72

$0.75 PEN 2.57

61.33%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.74

$8.98 PEN 30.89

54.57%

Wine (Bottle)

$14.25 CA$20.27

$10.19 PEN 35.05

39.84%

Local Beer (0.5 liter bottle)

$2.20 CA$3.12

$2.59 PEN 8.92

-15.06%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.44

$2.45 PEN 8.44

-1.22%

One-way Ticket (Public Transport)

$2.42 CA$3.44

$0.56 PEN 1.93

332.14%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$8.93 PEN 30.72

1140.09%

Taxi Start (Normal Tariff)

$2.90 CA$4.12

$1.76 PEN 6.05

64.77%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.79

$1.33 PEN 4.56

-5.26%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.33

$5.05 PEN 17.37

336.24%

Gasoline (1 liter)

$1.22 CA$1.74

$1.51 PEN 5.21

-19.21%

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

$27.6K CA$39.3K

$23.7K PEN 81.6K

16.44%

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

$19.8K CA$28.2K

$25.9K PEN 88.9K

-23.34%

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

$122 CA$173

$49.76 PEN 171

144.94%

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

$32.03 CA$45.56

$9.79 PEN 33.68

227.17%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.2

$29.01 PEN 99.8

65.18%

Gym Membership (Monthly)

$38.90 CA$55.3

$30.97 PEN 107

25.61%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.05

$20.52 PEN 70.6

13.26%

Cinema Ticket

$12.61 CA$17.94

$4.76 PEN 16.37

164.92%

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

$834 CA$1,186

$137 PEN 472

507.36%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.2K

$4,463 PEN 15.4K

422.94%

Jeans (Levis 501 Or Similar)

$52.6 CA$74.8

$51.7 PEN 178

1.66%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.3

$29.33 PEN 101

37.27%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$80.8 PEN 278

19.07%

Men's Leather Business Shoes

$123 CA$175

$80.9 PEN 278

51.91%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,273

$199 PEN 683

704.99%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,041

$103 PEN 354

1293.87%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,779

$527 PEN 1,812

404.35%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,981

$317 PEN 1,089

562.09%

Buy Apartment in City Center (m2)

$8,033 CA$11.4K

$2,338 PEN 8,043

243.55%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,327

Average Monthly Net Salary (After Tax)

$3,743 CA$5,324

$727 PEN 2,500

415.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

10.5

-57.43%

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

Last update for Toronto: October 4, 2026

Last update for Cajamarca: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Cajamarca

$103 14.9% 92.8% $1.3K

Groceries & Markets

Toronto

$340 13.1%

Cajamarca

$229 33.1% 32.7% $111

Eating Out

Toronto

$282 10.9%

Cajamarca

$103 14.8% 63.6% $179

Monthly Utilities & Internet

Toronto

$202 7.8%

Cajamarca

$89 12.8% 56.1% $113

Clothing & Footwear

Toronto

$140 5.4%

Cajamarca

$109 15.8% 22.2% $31

Getting Around

Toronto

$130 5%

Cajamarca

$20 2.8% 84.9% $110

Sport & Entertainment

Toronto

$64 2.5%

Cajamarca

$40 5.9% 36.9% $24

Cost Breakdown

A one-bedroom apartment in the center runs $1,598 in Toronto and $199 in Cajamarca. Housing cost is often the main lever when comparing two cities.

Toronto pays 415% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $77.0 in Toronto vs $29.00 in Cajamarca for a mid-range dinner for two. Groceries echo the gap at $340 vs $229 per month, with Cajamarca cheaper across the board.

Good to know

🇨🇦 Toronto

🇵🇪 Cajamarca

🕒 Local time

03:11 3:11 AM

02:11 2:11 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

218,741

💱 Currency

Canadian Dollar CAD $

Peruvian Sol PEN S/

📈 Exchange rate

1 CAD = 0.703 USD

1 CAD = 0.627 EUR

1 PEN = 0.291 USD

1 PEN = 0.259 EUR

Exchange rates and currency converter

PEN, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.42 CAD (1 CAD = 0.703 USD). 1 EUR = 1.6 CAD (1 CAD = 0.627 EUR).

Peruvian Sol exchange rates as of October 10, 2026: 1 USD = 3.44 PEN (1 PEN = 0.291 USD). 1 EUR = 3.86 PEN (1 PEN = 0.259 EUR).

USD to CAD in detail →

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Between locations

Toronto Cajamarca 5,650 km ≈ 8 h nonstop flight

From you

Toronto
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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 Cajamarca: Cost of Living - Frequently Asked Questions

Cajamarca is cheaper overall, especially in groceries, eating out, and clothing. The 264% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 415% higher in Toronto, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,598 in Toronto versus $199 in Cajamarca. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Cajamarca runs roughly 1140% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $834 in Toronto versus $137 in Cajamarca. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $695 in Cajamarca versus $2,530 in Toronto, a $1,500 budget is realistic in Cajamarca but tight or insufficient in Toronto. The gap between the two cities makes Cajamarca the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Toronto and Cajamarca are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Cajamarca gentler on the wallet – expenses run 264% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.