Last update: Oct 2026

Cost of Living Comparison Between Toronto and Champaign, IL

For one person, living is cheaper in Champaign, IL: $2,161 a month against $2,561 in Toronto, rent and utilities included – about $4,800 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
104

Cost of Living Index in Champaign, IL
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Champaign, IL Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Champaign, IL

🇺🇸 United States

$2,161

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Champaign, IL

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

A single person spends $2,561 per month in Toronto vs $2,161 in Champaign, IL, rent included.

Toronto $2,561
Champaign, IL $2,161

A couple spends around $3,694 per month in Toronto vs $3,133 in Champaign, IL, rent included.

Toronto $3,694
Champaign, IL $3,133

A family of three spends $4,826 per month in Toronto vs $4,106 in Champaign, IL, rent included.

Toronto $4,826
Champaign, IL $4,106

Toronto costs about 18% more than Champaign, IL, and outside of rent the biggest gap is in transport.

Both Toronto and Champaign, IL sit above the global median – Toronto by 90%, Champaign, IL by 60%.

Meal at Budget Restaurant

$17.18 CA$24.29

$15.25 $15.25

12.66%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$60.8 $60.8

25.05%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$10.11 $10.11

4.25%

Cappuccino

$4.02 CA$5.68

$4.83 $4.83

-16.77%

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

$2.12 CA$3.00

$2.15 $2.15

-1.40%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.73 $1.73

1.16%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$5.57 $5.57

12.03%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$5.35 $5.35

32.52%

Milk (1 liter)

$2.44 CA$3.45

$0.85 $0.85

187.06%

White Bread (500g)

$2.68 CA$3.78

$3.14 $3.14

-14.65%

Rice (white) (1kg)

$2.24 CA$3.17

$3.13 $3.13

-28.43%

Eggs

$3.56 CA$5.03

$3.88 $3.88

-8.25%

Local Cheese (1kg)

$9.09 CA$12.85

$12.19 $12.19

-25.43%

Chicken Fillets (1kg)

$11.33 CA$16.01

$5.96 $5.96

90.10%

Beef Round Steak (1kg)

$14.53 CA$20.55

$12.81 $12.81

13.43%

Apples (1kg)

$3.62 CA$5.12

$3.45 $3.45

4.93%

Banana (1kg)

$1.21 CA$1.72

$1.38 $1.38

-12.32%

Oranges (1kg)

$3.60 CA$5.09

$3.10 $3.10

16.13%

Tomato (1kg)

$4.21 CA$5.96

$4.56 $4.56

-7.68%

Potato (1kg)

$1.79 CA$2.53

$2.02 $2.02

-11.39%

Onion (1kg)

$1.59 CA$2.25

$2.23 $2.23

-28.70%

Lettuce (1 head)

$2.27 CA$3.21

$2.21 $2.21

2.71%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.25 $1.25

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$10.25 $10.25

34.83%

Wine (Bottle)

$14.27 CA$20.18

$14.71 $14.71

-2.99%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.15 $2.15

2.33%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$4.08 $4.08

-40.44%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.97 $0.97

146.39%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$20.38 $20.38

444.31%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$2.52 $2.52

15.48%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.59 $1.59

-24.53%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

Gasoline (1 liter)

$1.21 CA$1.71

$1.16 $1.16

4.31%

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

$28.2K CA$39.8K

$35.1K $35.1K

-19.78%

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

$20.3K CA$28.6K

$32.3K $32.3K

-37.20%

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

$120 CA$170

$240 $240

-49.84%

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

$32.26 CA$45.60

$45.66 $45.66

-29.35%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$67.6 $67.6

-29.09%

Gym Membership (Monthly)

$38.48 CA$54.4

$25.34 $25.34

51.85%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$11.85 $11.85

93.76%

Cinema Ticket

$12.38 CA$17.50

$11.09 $11.09

11.63%

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

$830 CA$1,173

$993 $993

-16.45%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$19.9K $19.9K

15.85%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$48.98 $48.98

3.53%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$116 $116

-15.47%

Men's Leather Business Shoes

$121 CA$171

$122 $122

-1.12%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,453 $1,453

9.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,016 $1,016

38.83%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$1,941 $1,941

37.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,691 $1,691

27.24%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$1,688 $1,688

370.78%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$1,709 $1,709

282.85%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,674 $3,674

1.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.82

-34.46%

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

Last update for Toronto: October 12, 2026

Last update for Champaign, IL: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Champaign, IL

$1K 47% 28% $394

Groceries & Markets

Toronto

$340 13.3%

Champaign, IL

$316 14.6% 6.9% $24

Eating Out

Toronto

$278 10.9%

Champaign, IL

$264 12.2% 5% $14

Monthly Utilities & Internet

Toronto

$201 7.8%

Champaign, IL

$353 16.3% 76.1% $153

Clothing & Footwear

Toronto

$139 5.4%

Champaign, IL

$129 * 6% 7.3% $10

Getting Around

Toronto

$129 5.1%

Champaign, IL

$35 1.6% 73.1% $95

Sport & Entertainment

Toronto

$63 2.5%

Champaign, IL

$48 2.2% 24.9% $16

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

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $1,453 in Champaign, IL. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 1% higher in Toronto, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $76.0 in Toronto versus $61.0 in Champaign, IL. Monthly groceries follow the same trend: $340 vs $316 – making Champaign, IL the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Champaign, IL

🕒 Local time

21:59 9:59 PM

20:59 8:59 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

88,302

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 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 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Champaign, IL 830 km ≈ 1 h 30 min nonstop flight

From you

Toronto
Champaign, IL

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 Champaign, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,561 in Toronto, $2,161 in Champaign, IL – roughly 18% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,841 per month in Toronto and $3,241 in Champaign, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Champaign, IL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 7% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $76.0 in Toronto and $61.0 in Champaign, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $3,000 monthly budget goes further in Champaign, IL, where all-in costs run around $2,161, than in Toronto at $2,561. In Champaign, IL it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Champaign, IL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Champaign, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.