Last update: Oct 2026

Cost of Living Comparison Between Toronto and Cambridge Bay

For one person, living is cheaper in Cambridge Bay: $2,240 a month against $2,610 in Toronto, rent and utilities included – about $4,400 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Toronto
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Toronto Living Index
109

Cost of Living Index in Cambridge Bay
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Cambridge Bay Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Cambridge Bay

🇨🇦 Canada

$2,240

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Cambridge Bay

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

Monthly costs for one person with rent: $2,610 in Toronto versus $2,240 in Cambridge Bay.

Toronto $2,610
Cambridge Bay $2,240

Estimated couple costs with rent: $3,727 in Toronto versus $3,270 in Cambridge Bay.

Toronto $3,727
Cambridge Bay $3,270

Monthly costs for a family of three with rent: $4,844 in Toronto versus $4,301 in Cambridge Bay.

Toronto $4,844
Cambridge Bay $4,301

Living in Toronto is roughly 17% more expensive than in Cambridge Bay, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 93% above, Cambridge Bay 65% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$21.83 CA$30.86

-19.42%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$64.1 CA$90.6

23.04%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.64 CA$15.04

0.85%

Cappuccino

$4.09 CA$5.78

$3.50 CA$4.95

16.86%

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

$2.10 CA$2.97

$1.95 CA$2.75

7.69%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.62 CA$2.29

6.17%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.23 CA$7.40

21.61%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$5.76 CA$8.14

22.92%

Milk (1 liter)

$2.54 CA$3.59

$1.99 CA$2.81

27.64%

White Bread (500g)

$2.72 CA$3.85

$2.54 CA$3.58

7.09%

Rice (white) (1kg)

$2.18 CA$3.09

$3.31 CA$4.67

-34.14%

Eggs

$3.63 CA$5.13

$3.48 CA$4.91

4.31%

Local Cheese (1kg)

$9.46 CA$13.37

$9.89 CA$13.98

-4.35%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.50 CA$16.26

0.35%

Beef Round Steak (1kg)

$14.37 CA$20.32

$14.36 CA$20.31

0.07%

Apples (1kg)

$3.70 CA$5.23

$3.83 CA$5.41

-3.39%

Banana (1kg)

$1.19 CA$1.68

$1.29 CA$1.82

-7.75%

Oranges (1kg)

$3.46 CA$4.90

$3.72 CA$5.26

-6.99%

Tomato (1kg)

$4.22 CA$5.97

$3.81 CA$5.39

10.76%

Potato (1kg)

$1.79 CA$2.52

$2.48 CA$3.51

-27.82%

Onion (1kg)

$1.65 CA$2.33

$2.22 CA$3.14

-25.68%

Lettuce (1 head)

$2.20 CA$3.11

$2.46 CA$3.48

-10.57%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.63 CA$2.31

-22.70%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$14.11 CA$19.94

-0.99%

Wine (Bottle)

$14.20 CA$20.07

$12.43 CA$17.57

14.24%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.57 CA$3.63

-12.45%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.06 CA$4.33

-17.32%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$2.31 CA$3.27

0.43%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$60.5 CA$85.5

84.61%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$2.94 CA$4.15

4.08%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.48 CA$2.09

-17.57%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$23.04 CA$32.56

-5.86%

Gasoline (1 liter)

$1.21 CA$1.72

$1.13 CA$1.59

7.08%

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

$26.1K CA$37.0K

$28.2K CA$39.9K

-7.38%

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

$21.1K CA$29.9K

$19.0K CA$26.9K

11.03%

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

$120 CA$169

$132 CA$187

-9.48%

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

$32.21 CA$45.54

$37.89 CA$53.6

-14.99%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$53.9 CA$76.2

-9.31%

Gym Membership (Monthly)

$39.34 CA$55.6

$40.59 CA$57.4

-3.08%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$17.98 CA$25.41

31.15%

Cinema Ticket

$12.58 CA$17.79

$11.15 CA$15.76

12.83%

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

$832 CA$1,176

$746 CA$1,054

11.56%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$13.1K CA$18.5K

80.23%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$53.1 CA$75.0

-1.49%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$37.83 CA$53.5

4.26%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$85.5 CA$121

15.78%

Men's Leather Business Shoes

$122 CA$172

$103 CA$145

18.80%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,257 CA$1,777

29.78%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,098 CA$1,552

31.92%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$1,947 CA$2,753

40.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,718 CA$2,429

23.94%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$4,128 CA$5,836

98.77%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$3,532 CA$4,993

93.59%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

4.66

-4.08%

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

Last update for Toronto: October 18, 2026

Last update for Cambridge Bay: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Cambridge Bay

$1.1K 49% 24.2% $350

Groceries & Markets

Toronto

$343 13.1%

Cambridge Bay

$349 15.6% 1.7% $5.7

Eating Out

Toronto

$283 10.9%

Cambridge Bay

$301 13.4% 6.1% $17

Monthly Utilities & Internet

Toronto

$201 7.7%

Cambridge Bay

$224 10% 11.6% $23

Clothing & Footwear

Toronto

$141 5.4%

Cambridge Bay

$126 5.6% 10.8% $15

Getting Around

Toronto

$130 5%

Cambridge Bay

$80 3.6% 38.5% $50

Sport & Entertainment

Toronto

$65 2.5%

Cambridge Bay

$63 2.8% 2.5% $1.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,631 in Toronto and $1,257 in Cambridge Bay. Housing cost is often the main lever when comparing two cities.

Dining out: $79.0 in Toronto vs $64.0 in Cambridge Bay. Groceries flip the comparison at $343 vs $349, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Cambridge Bay

🕒 Local time

05:45 5:45 AM

03:45 3:45 AM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

1,800

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

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Between locations

Toronto Cambridge Bay 3,190 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Cambridge Bay

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 Cambridge Bay: Cost of Living - Frequently Asked Questions

Toronto and Cambridge Bay differ by about 17% in total monthly costs ($2,610 vs $2,240 including rent). Cambridge Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,916 in Toronto and $3,359 in Cambridge Bay to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,631 in Toronto versus $1,257 in Cambridge Bay. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,610 per month in Toronto versus $2,240 in Cambridge Bay – a 17% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cambridge Bay runs roughly 85% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,240 in Cambridge Bay versus $2,610 in Toronto, a $3,000 budget is realistic in Cambridge Bay but tight or insufficient in Toronto. The gap between the two cities makes Cambridge Bay 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.

Expats usually find Cambridge Bay gentler on the wallet – expenses run 17% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.