Cost of Living Comparison Between Toronto and Cambridge Bay Cost of Living Comparison Between Toronto and Cambridge Bay

Monthly Cost of Living

Monthly costs for one person with rent: $2,776 in Toronto versus $2,355 in Cambridge Bay.

Estimated couple costs with rent: $4,051 in Toronto versus $3,483 in Cambridge Bay.

Monthly costs for a family of three with rent: $5,325 in Toronto versus $4,611 in Cambridge Bay.

Living in Toronto is roughly 18% more expensive than in Cambridge Bay, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 108% above, Cambridge Bay 76% above.

Meal at Budget Restaurant

$18.95 CA$26.72

$23.77 CA$33.53

-20.28%

Three-Course Dinner for Two, Mid-Range

$83.9 CA$118

$70.2 CA$99.0

19.48%

Fast Food Meal (McDonalds, etc)

$10.97 CA$15.47

$10.83 CA$15.28

1.29%

Cappuccino

$3.97 CA$5.60

$3.84 CA$5.41

3.39%

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

$2.15 CA$3.03

$1.95 CA$2.75

10.26%

Water (0.33 liter bottle)

$1.64 CA$2.31

$1.69 CA$2.39

-2.96%

Local Beer (0.5 liter draught)

$6.06 CA$8.54

$5.37 CA$7.58

12.85%

Imported Beer (0.33 liter bottle)

$6.79 CA$9.58

$5.75 CA$8.11

18.09%

Milk (1 liter)

$2.71 CA$3.82

$2.13 CA$3.01

27.23%

White Bread (500g)

$2.75 CA$3.88

$2.60 CA$3.66

5.77%

Rice (white) (1kg)

$3.58 CA$5.05

$3.50 CA$4.93

2.29%

Eggs

$3.47 CA$4.89

$3.42 CA$4.83

1.46%

Local Cheese (1kg)

$13.60 CA$19.18

$11.09 CA$15.65

22.63%

Chicken Fillets (1kg)

$13.37 CA$18.86

$11.57 CA$16.32

15.56%

Beef Round Steak (1kg)

$16.87 CA$23.80

$15.00 CA$21.15

12.47%

Apples (1kg)

$4.19 CA$5.91

$4.07 CA$5.74

2.95%

Banana (1kg)

$1.14 CA$1.61

$1.37 CA$1.94

-16.79%

Oranges (1kg)

$3.23 CA$4.56

$3.75 CA$5.29

-13.87%

Tomato (1kg)

$3.98 CA$5.62

$3.82 CA$5.39

4.19%

Potato (1kg)

$2.48 CA$3.50

$2.43 CA$3.43

2.06%

Onion (1kg)

$2.82 CA$3.98

$2.46 CA$3.47

14.63%

Lettuce (1 head)

$2.35 CA$3.32

$2.65 CA$3.73

-11.32%

Water (1.5 liter bottle)

$1.96 CA$2.77

$1.79 CA$2.53

9.50%

Cigarettes 20 Pack (Marlboro, Camel)

$14.81 CA$20.89

$13.85 CA$19.53

6.93%

Wine (Bottle)

$14.21 CA$20.04

$12.83 CA$18.09

10.76%

Local Beer (0.5 liter bottle)

$2.70 CA$3.80

$2.95 CA$4.17

-8.47%

Imported Beer (0.33 liter bottle)

$3.14 CA$4.42

$3.16 CA$4.45

-0.63%

One-way Ticket (Public Transport)

$2.54 CA$3.58

$2.34 CA$3.31

8.55%

Public Transport Monthly Pass (Regular Price)

$116 CA$163

$62.8 CA$88.6

84.45%

Taxi Start (Normal Tariff)

$3.57 CA$5.04

$3.24 CA$4.56

10.19%

Taxi (Normal Tariff) (1km)

$1.40 CA$1.98

$1.50 CA$2.12

-6.67%

Taxi 1hour Waiting (Normal Tariff)

$25.54 CA$36.02

$25.99 CA$36.66

-1.73%

Gasoline (1 liter)

$1.09 CA$1.54

$1.16 CA$1.64

-6.03%

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

$25.4K CA$35.8K

$25.2K CA$35.5K

0.91%

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

$21.3K CA$30.0K

$20.7K CA$29.2K

2.79%

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

$116 CA$164

$142 CA$200

-17.95%

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

$37.15 CA$52.4

$43.07 CA$60.8

-13.75%

Internet (50+ Mbps, Unlimited Data)

$53.2 CA$75.0

$62.0 CA$87.4

-14.15%

Gym Membership (Monthly)

$55.7 CA$78.6

$41.44 CA$58.5

34.44%

Tennis Court (1 Hour on Weekend)

$20.88 CA$29.45

Cinema Ticket

$11.63 CA$16.40

$11.59 CA$16.35

0.35%

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

$1,122 CA$1,582

$732 CA$1,033

53.18%

International Primary School, 1 Child (Yearly)

$18.1K CA$25.5K

$12.0K CA$16.9K

50.56%

Jeans (Levis 501 Or Similar)

$58.5 CA$82.5

$53.7 CA$75.8

8.84%

Summer Dress (H&M, Zara, etc)

$39.43 CA$55.6

$39.68 CA$56.0

-0.63%

Sport Shoes (Adidas, Nike)

$90.4 CA$128

$86.9 CA$123

4.13%

Men's Leather Business Shoes

$113 CA$159

$108 CA$153

4.36%

1-bedroom Apartment, City Center (Monthly)

$1,823 CA$2,572

$1,335 CA$1,883

36.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,557 CA$2,196

$1,181 CA$1,666

31.78%

3-bedroom Apartment, City Center (Monthly)

$2,986 CA$4,212

$2,047 CA$2,888

45.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,450 CA$3,456

$1,803 CA$2,544

35.85%

Buy Apartment in City Center (m2)

$8,678 CA$12.2K

$4,326 CA$6,101

100.62%

Buy Apartment Outside City Center (m2)

$6,940 CA$9,789

$3,558 CA$5,019

95.05%

Average Monthly Net Salary (After Tax)

$3,390 CA$4,782

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.46

-20.12%

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

Last update for Toronto: July 21, 2026

Last update for Cambridge Bay: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,823 in Toronto and $1,335 in Cambridge Bay. Housing cost is often the main lever when comparing two cities.

Dining out: $84.0 in Toronto vs $70.0 in Cambridge Bay for a mid-range dinner for two. Groceries echo the gap at $396 vs $365 per month, with Cambridge Bay cheaper across the board.

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 18% in total monthly costs ($2,776 vs $2,355 including rent). Cambridge Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $4,164 in Toronto and $3,533 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: $1,823 in Toronto versus $1,335 in Cambridge Bay. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,776 per month in Toronto versus $2,355 in Cambridge Bay – a 18% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cambridge Bay runs roughly 84% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $3,000. Cambridge Bay 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.

Expats usually find Cambridge Bay gentler on the wallet – expenses run 18% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.