Last update: Nov 2026

Cost of Living Comparison Between Toronto and Cayey

For one person, living is cheaper in Cayey: $2,156 a month against $2,599 in Toronto, rent and utilities included – about $5,300 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
103

Cost of Living Index in Cayey
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Cayey Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Cayey

🇵🇷 Puerto Rico

$2,156

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Cayey

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

Monthly costs for one person with rent: $2,599 in Toronto versus $2,156 in Cayey.

Toronto $2,599
Cayey $2,156

Estimated couple costs with rent: $3,700 in Toronto versus $3,430 in Cayey.

Toronto $3,700
Cayey $3,430

Monthly costs for a family of three with rent: $4,801 in Toronto versus $4,704 in Cayey.

Toronto $4,801
Cayey $4,704

Living in Toronto is roughly 21% more expensive than in Cayey, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 92% above, Cayey 59% above.

Meal at Budget Restaurant

$17.98 CA$25.20

$19.05 $19.05

-5.62%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$83.6 $83.6

-13.52%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$9.04 $9.04

19.80%

Cappuccino

$4.34 CA$6.09

$3.52 $3.52

23.30%

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

$2.16 CA$3.03

$1.83 $1.83

18.03%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.49 $1.49

11.41%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$2.98 $2.98

113.09%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$5.12 $5.12

43.36%

Milk (1 liter)

$2.57 CA$3.60

$2.19 $2.19

17.35%

White Bread (500g)

$2.71 CA$3.79

$3.61 $3.61

-24.93%

Rice (white) (1kg)

$2.28 CA$3.19

$2.35 $2.35

-2.98%

Eggs

$3.60 CA$5.05

$7.33 $7.33

-50.89%

Local Cheese (1kg)

$8.94 CA$12.54

$12.51 $12.51

-28.54%

Chicken Fillets (1kg)

$11.19 CA$15.69

$9.59 $9.59

16.68%

Beef Round Steak (1kg)

$15.23 CA$21.34

$13.27 $13.27

14.77%

Apples (1kg)

$3.74 CA$5.25

$5.09 $5.09

-26.52%

Banana (1kg)

$1.23 CA$1.72

$2.65 $2.65

-53.58%

Oranges (1kg)

$3.58 CA$5.02

$4.79 $4.79

-25.26%

Tomato (1kg)

$4.25 CA$5.96

$4.88 $4.88

-12.91%

Potato (1kg)

$1.94 CA$2.72

$3.73 $3.73

-47.99%

Onion (1kg)

$1.67 CA$2.34

$4.04 $4.04

-58.66%

Lettuce (1 head)

$2.30 CA$3.22

$3.37 $3.37

-31.75%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.57 $1.57

-19.75%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$12.22 $12.22

16.12%

Wine (Bottle)

$14.25 CA$19.97

$15.40 $15.40

-7.47%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$3.13 $3.13

-27.16%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$3.96 $3.96

-34.85%

One-way Ticket (Public Transport)

$2.35 CA$3.30

Public Transport Monthly Pass (Regular Price)

$111 CA$156

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$2.55 $2.55

18.04%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.52 $1.52

-19.74%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

$41.65 $41.65

-47.61%

Gasoline (1 liter)

$1.23 CA$1.73

$1.02 $1.02

20.59%

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

$27.0K CA$37.8K

$35.0K $35.0K

-22.93%

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

$21.8K CA$30.6K

$27.6K $27.6K

-20.81%

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

$121 CA$169

$318 $318

-62.05%

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

$33.10 CA$46.40

$70.5 $70.5

-53.04%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$69.7 $69.7

-29.56%

Gym Membership (Monthly)

$36.65 CA$51.4

$40.63 $40.63

-9.80%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

$10.09 $10.09

26.66%

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

$754 CA$1,058

$812 $812

-7.04%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$12.5K $12.5K

168.84%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$57.0 $57.0

-11.60%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$60.8 $60.8

-31.87%

Sport Shoes (Adidas, Nike)

$101 CA$142

$108 $108

-6.13%

Men's Leather Business Shoes

$130 CA$183

$113 $113

14.96%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,215 $1,215

30.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$801 $801

77.73%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$2,414 $2,414

9.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$1,784 $1,784

17.17%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$3,643 $3,643

-0.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.55

-32.06%

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

Last update for Toronto: November 2, 2026

Last update for Cayey: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Cayey

$801 37.2% 43.7% $623

Groceries & Markets

Toronto

$345 13.3%

Cayey

$413 19.2% 19.7% $68

Eating Out

Toronto

$290 11.2%

Cayey

$260 12.1% 10.3% $30

Monthly Utilities & Internet

Toronto

$203 7.8%

Cayey

$458 21.3% 126% $255

Clothing & Footwear

Toronto

$145 5.6%

Cayey

$153 7.1% 4.8% $7.1

Getting Around

Toronto

$130 5%

Cayey

$10 * 0.5% 92.2% $119

Sport & Entertainment

Toronto

$62 2.4%

Cayey

$61 2.8% 2.2% $1.4

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 $1,590 in Toronto and $1,215 in Cayey. Housing cost is often the main lever when comparing two cities.

Dining out: $72 in Toronto vs $84 in Cayey for a mid-range dinner for two. Groceries echo the gap at $345 vs $413 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇵🇷 Cayey

🕒 Local time

01:36 1:36 AM

02:36 2:36 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

13,999

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Highest

Between locations

Toronto Cayey 3,100 km ≈ 4 h 15 min nonstop flight

From you

Toronto
Cayey

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 Cayey: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,599 in Toronto and $2,156 in Cayey, so Cayey is about 17% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $3,899 in Toronto and $3,234 in Cayey 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: $1,590 in Toronto versus $1,215 in Cayey. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $754 in Toronto versus $812 in Cayey. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Toronto – a meal for two runs $72 versus $84 in Cayey. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $3,000 a month, though Cayey gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.