Last update: Oct 2026

Cost of Living Comparison Between Toronto and Caldwell, TX

For one person, living is cheaper in Caldwell, TX: $2,449 a month against $2,589 in Toronto, rent and utilities included – about $1,700 less a year. Rent and utilities account for about half of the difference.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
117

Cost of Living Index in Caldwell, TX
Learn more

Caldwell, TX Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,589

/mo nomad

Caldwell, TX

🇺🇸 United States

$2,449

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Caldwell, TX

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

Monthly costs for one person with rent: $2,589 in Toronto versus $2,449 in Caldwell, TX.

Toronto $2,589
Caldwell, TX $2,449

Estimated couple costs with rent: $3,710 in Toronto versus $3,548 in Caldwell, TX.

Toronto $3,710
Caldwell, TX $3,548

Monthly costs for a family of three with rent: $4,831 in Toronto versus $4,647 in Caldwell, TX.

Toronto $4,831
Caldwell, TX $4,647

Living in Toronto is roughly 6% more expensive than in Caldwell, TX, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Caldwell, TX 80% above.

Meal at Budget Restaurant

$17.60 CA$24.73

$14.88 $14.88

18.28%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$60.4 $60.4

28.82%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.87

$9.88 $9.88

7.19%

Cappuccino

$4.16 CA$5.84

$3.97 $3.97

4.79%

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

$2.04 CA$2.87

$1.47 $1.47

38.78%

Water (0.33 liter bottle)

$1.75 CA$2.46

$1.73 $1.73

1.16%

Local Beer (0.5 liter draught)

$6.58 CA$9.24

$5.13 $5.13

28.27%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.99

$6.05 $6.05

17.52%

Milk (1 liter)

$2.53 CA$3.56

$0.77 $0.77

228.57%

White Bread (500g)

$2.70 CA$3.80

$2.71 $2.71

-0.37%

Rice (white) (1kg)

$2.24 CA$3.15

$3.96 $3.96

-43.43%

Eggs

$3.48 CA$4.89

$2.92 $2.92

19.18%

Local Cheese (1kg)

$9.38 CA$13.17

$10.95 $10.95

-14.34%

Chicken Fillets (1kg)

$11.60 CA$16.29

$15.64 $15.64

-25.83%

Beef Round Steak (1kg)

$14.68 CA$20.63

$24.53 $24.53

-40.15%

Apples (1kg)

$3.74 CA$5.26

$4.39 $4.39

-14.81%

Banana (1kg)

$1.22 CA$1.72

$1.77 $1.77

-31.07%

Oranges (1kg)

$3.48 CA$4.89

$4.44 $4.44

-21.62%

Tomato (1kg)

$4.32 CA$6.07

$2.66 $2.66

62.41%

Potato (1kg)

$1.85 CA$2.60

$2.16 $2.16

-14.35%

Onion (1kg)

$1.69 CA$2.38

$1.73 $1.73

-2.31%

Lettuce (1 head)

$2.23 CA$3.13

$2.05 $2.05

8.78%

Water (1.5 liter bottle)

$1.28 CA$1.79

$1.98 $1.98

-35.35%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.73

$9.61 $9.61

46.10%

Wine (Bottle)

$14.43 CA$20.27

$10.68 $10.68

35.11%

Local Beer (0.5 liter bottle)

$2.16 CA$3.03

$1.68 $1.68

28.57%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.55

$3.56 $3.56

-29.21%

One-way Ticket (Public Transport)

$2.37 CA$3.33

$1.96 $1.96

20.92%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$51.0 $51.0

120.38%

Taxi Start (Normal Tariff)

$3.04 CA$4.27

$3.33 $3.33

-8.71%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.74

$1.65 $1.65

-24.85%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.69

$26.34 $26.34

-14.39%

Gasoline (1 liter)

$1.24 CA$1.75

$0.94 $0.94

31.91%

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

$26.9K CA$37.8K

$26.5K $26.5K

1.58%

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

$21.4K CA$30.0K

$25.4K $25.4K

-15.89%

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

$125 CA$175

$173 $173

-28.04%

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

$33.05 CA$46.44

$25.30 $25.30

30.63%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.4

$68.5 $68.5

-29.96%

Gym Membership (Monthly)

$36.69 CA$51.6

$40.60 $40.60

-9.63%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.26

$9.85 $9.85

140.30%

Cinema Ticket

$13.08 CA$18.37

$14.96 $14.96

-12.57%

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

$759 CA$1,066

$1,521 $1,521

-50.11%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.4K

$24.7K $24.7K

-3.54%

Jeans (Levis 501 Or Similar)

$53.5 CA$75.2

$22.35 $22.35

139.55%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.8

$56.1 $56.1

-27.90%

Sport Shoes (Adidas, Nike)

$100 CA$141

$64.9 $64.9

54.80%

Men's Leather Business Shoes

$125 CA$176

$96.4 $96.4

29.97%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,290

$1,565 $1,565

4.14%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,989

$1,297 $1,297

9.19%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,785

$2,531 $2,531

6.43%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,952

$2,115 $2,115

-0.66%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$2,784 $2,784

171.21%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,377

$2,330 $2,330

186.42%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,978

$1,333 $1,333

165.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.62

-32.78%

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

Last update for Toronto: October 26, 2026

Last update for Caldwell, TX: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Caldwell, TX

$1.3K 53% 8.4% $119

Groceries & Markets

Toronto

$345 13.3%

Caldwell, TX

$389 15.9% 12.9% $45

Eating Out

Toronto

$285 11%

Caldwell, TX

$247 10.1% 13.3% $38

Monthly Utilities & Internet

Toronto

$206 7.9%

Caldwell, TX

$267 10.9% 29.8% $61

Clothing & Footwear

Toronto

$144 5.6%

Caldwell, TX

$108 4.4% 25% $36

Getting Around

Toronto

$131 5.1%

Caldwell, TX

$70 2.9% 46.3% $61

Sport & Entertainment

Toronto

$63 2.4%

Caldwell, TX

$71 2.9% 12.2% $7.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,565 in Caldwell, TX. Housing cost is often the main lever when comparing two cities.

Toronto pays about 2.7 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $60 in Caldwell, TX. Groceries flip the comparison at $345 vs $389, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Caldwell, TX

🕒 Local time

12:42 12:42 PM

11:42 11:42 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

59,996

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.712 USD

1 CAD = 0.64 EUR

1 USD = 0.899 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 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.712 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 EUR).

United States Dollar exchange rates as of October 28, 2026: 1 EUR = 1.11 USD (1 USD = 0.899 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Caldwell, TX 2,110 km ≈ 3 h 15 min nonstop flight

From you

Toronto
Caldwell, TX

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 Caldwell, TX: Cost of Living - Frequently Asked Questions

Caldwell, TX wins on cost – living expenses run 5% lower than in Toronto. Housing and daily spending are where you’ll feel the difference most, making Caldwell, TX the obvious pick if budget is a priority.

Average pay in Toronto is about 2.7 times higher, 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: $1,630 in Toronto versus $1,565 in Caldwell, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Caldwell, TX – a meal for two runs $60 versus $78 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,589 per month in Toronto versus $2,449 in Caldwell, TX – a 6% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Caldwell, TX is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

It comes down to priorities – Caldwell, TX wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.