Last update: Oct 2026

Cost of Living Comparison Between Toronto and Camarillo, CA

For one person, living is cheaper in Toronto: $2,530 a month against $3,596 in Camarillo, CA, rent and utilities included – about $12,800 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
176

Cost of Living Index in Camarillo, CA
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Camarillo, CA Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Camarillo, CA

🇺🇸 United States

$3,596

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Camarillo, CA

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

Monthly costs for one person with rent: $2,530 in Toronto versus $3,596 in Camarillo, CA.

Toronto $2,530
Camarillo, CA $3,596

Estimated couple costs with rent: $3,646 in Toronto versus $5,243 in Camarillo, CA.

Toronto $3,646
Camarillo, CA $5,243

Monthly costs for a family of three with rent: $4,761 in Toronto versus $6,891 in Camarillo, CA.

Toronto $4,761
Camarillo, CA $6,891

Living in Toronto costs roughly 30% less than in Camarillo, CA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 89% above, Camarillo, CA 168% above.

Meal at Budget Restaurant

$17.67 CA$25.19

$24.94 $24.94

-29.15%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$64.5 $64.5

20.01%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$10.28 $10.28

1.85%

Cappuccino

$4.08 CA$5.81

$5.62 $5.62

-27.40%

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

$2.12 CA$3.02

$2.72 $2.72

-22.06%

Water (0.33 liter bottle)

$1.76 CA$2.51

$1.95 $1.95

-9.74%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$6.89 $6.89

-10.45%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$9.50 $9.50

-27.47%

Milk (1 liter)

$2.43 CA$3.46

$1.20 $1.20

102.50%

White Bread (500g)

$2.75 CA$3.92

$5.71 $5.71

-51.84%

Rice (white) (1kg)

$2.23 CA$3.18

$4.31 $4.31

-48.26%

Eggs

$3.45 CA$4.91

$4.90 $4.90

-29.59%

Local Cheese (1kg)

$8.93 CA$12.73

$12.61 $12.61

-29.18%

Chicken Fillets (1kg)

$11.44 CA$16.31

$20.58 $20.58

-44.41%

Beef Round Steak (1kg)

$14.61 CA$20.83

$13.99 $13.99

4.43%

Apples (1kg)

$3.75 CA$5.34

$5.65 $5.65

-33.63%

Banana (1kg)

$1.15 CA$1.64

$1.76 $1.76

-34.66%

Oranges (1kg)

$3.55 CA$5.06

$4.13 $4.13

-14.04%

Tomato (1kg)

$4.28 CA$6.10

$6.39 $6.39

-33.02%

Potato (1kg)

$1.85 CA$2.63

$3.52 $3.52

-47.44%

Onion (1kg)

$1.67 CA$2.38

$3.51 $3.51

-52.42%

Lettuce (1 head)

$2.22 CA$3.16

$2.27 $2.27

-2.20%

Water (1.5 liter bottle)

$1.21 CA$1.72

$2.20 $2.20

-45.00%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$11.48 $11.48

20.91%

Wine (Bottle)

$14.25 CA$20.31

$14.93 $14.93

-4.55%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$1.76 $1.76

25.00%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$3.22 $3.22

-24.84%

One-way Ticket (Public Transport)

$2.42 CA$3.44

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$4.42 $4.42

-34.39%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$1.87 $1.87

-32.62%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$35.44 $35.44

-37.84%

Gasoline (1 liter)

$1.22 CA$1.74

$1.43 $1.43

-14.69%

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

$27.6K CA$39.4K

$36.9K $36.9K

-25.15%

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

$19.8K CA$28.3K

$23.7K $23.7K

-16.30%

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

$122 CA$174

$219 $219

-44.23%

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

$32.03 CA$45.66

$72.0 $72.0

-55.50%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$70.3 $70.3

-31.81%

Gym Membership (Monthly)

$38.90 CA$55.5

$40.06 $40.06

-2.90%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

Cinema Ticket

$12.61 CA$17.97

$12.17 $12.17

3.62%

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

$834 CA$1,189

$1,958 $1,958

-57.41%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$43.5K $43.5K

-46.32%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$74.3 $74.3

-29.19%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$19.89 $19.89

102.41%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$81.2 $81.2

18.49%

Men's Leather Business Shoes

$123 CA$175

$168 $168

-26.87%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$2,207 $2,207

-27.60%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$2,215 $2,215

-35.23%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$4,149 $4,149

-35.96%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$3,776 $3,776

-44.48%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$6,424 $6,424

25.05%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

$5,665 $5,665

-33.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.64

-32.68%

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

Last update for Toronto: October 4, 2026

Last update for Camarillo, CA: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Camarillo, CA

$2.2K 60.6% 54.4% $780

Groceries & Markets

Toronto

$340 13.1%

Camarillo, CA

$474 13% 39.4% $134

Eating Out

Toronto

$282 10.9%

Camarillo, CA

$370 10.1% 31.3% $88

Monthly Utilities & Internet

Toronto

$202 7.8%

Camarillo, CA

$361 9.9% 78.8% $159

Clothing & Footwear

Toronto

$140 5.4%

Camarillo, CA

$155 4.2% 10.1% $14

Getting Around

Toronto

$130 5%

Camarillo, CA

$14 * 0.4% 89.4% $116

Sport & Entertainment

Toronto

$64 2.5%

Camarillo, CA

$64 1.8% 0.4% $0.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,598 in Toronto and $2,207 in Camarillo, CA. Housing cost is often the main lever when comparing two cities.

Camarillo, CA pays 51% 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 $64.0 in Camarillo, CA. Groceries flip the comparison at $340 vs $474, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Camarillo, CA

🕒 Local time

14:57 2:57 PM

11:57 11:57 AM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

62,489

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 USD = 0.892 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 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Camarillo, CA 3,550 km ≈ 5 h nonstop flight

From you

Toronto
Camarillo, CA

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 Camarillo, CA: Cost of Living - Frequently Asked Questions

Toronto is cheaper overall, especially in groceries, eating out, and clothing. The 42% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 51% lower in Camarillo, CA. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,598 in Toronto versus $2,207 in Camarillo, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 39% higher in Camarillo, CA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,530 per month in Toronto versus $3,596 in Camarillo, CA – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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 Camarillo, CA 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 Toronto gentler on the wallet – expenses run 42% less than in Camarillo, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.