Last update: Oct 2026

Cost of Living Comparison Between Toronto and Chandigarh

For one person, living is cheaper in Chandigarh: $463 a month against $2,530 in Toronto, rent and utilities included – about $24,800 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
23

Cost of Living Index in Chandigarh
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Chandigarh Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Chandigarh

🇮🇳 India

$463

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Chandigarh

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

Monthly costs for one person with rent: $2,530 in Toronto versus $463 in Chandigarh.

Toronto $2,530
Chandigarh $463

Estimated couple costs with rent: $3,646 in Toronto versus $747 in Chandigarh.

Toronto $3,646
Chandigarh $747

Monthly costs for a family of three with rent: $4,761 in Toronto versus $1,032 in Chandigarh.

Toronto $4,761
Chandigarh $1,032

Living in Toronto is roughly 447% more expensive than in Chandigarh, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Toronto is 89% above, Chandigarh is 65% below.

Meal at Budget Restaurant

$17.67 CA$25.19

$3.12 ₹302

466.35%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$13.68 ₹1,324

465.64%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$4.17 ₹404

151.08%

Cappuccino

$4.08 CA$5.81

$2.73 ₹264

49.45%

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

$2.12 CA$3.02

$0.46 ₹44.99

360.87%

Water (0.33 liter bottle)

$1.76 CA$2.51

$0.23 ₹22.23

665.22%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$2.02 ₹196

205.45%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$3.05 ₹295

125.90%

Milk (1 liter)

$2.43 CA$3.46

$0.67 ₹65.3

262.69%

White Bread (500g)

$2.75 CA$3.92

$0.54 ₹52.2

409.26%

Rice (white) (1kg)

$2.23 CA$3.18

$0.87 ₹84.0

156.32%

Eggs

$3.45 CA$4.91

$0.91 ₹88.1

279.12%

Local Cheese (1kg)

$8.93 CA$12.73

$5.06 ₹490

76.48%

Chicken Fillets (1kg)

$11.44 CA$16.31

$2.89 ₹279

295.85%

Beef Round Steak (1kg)

$14.61 CA$20.83

Apples (1kg)

$3.75 CA$5.34

$1.63 ₹158

130.06%

Banana (1kg)

$1.15 CA$1.64

$0.73 ₹71.0

57.53%

Oranges (1kg)

$3.55 CA$5.06

$1.07 ₹104

231.78%

Tomato (1kg)

$4.28 CA$6.10

$0.67 ₹64.7

538.81%

Potato (1kg)

$1.85 CA$2.63

$0.27 ₹25.77

585.19%

Onion (1kg)

$1.67 CA$2.38

$0.34 ₹32.46

391.18%

Lettuce (1 head)

$2.22 CA$3.16

$0.65 ₹62.9

241.54%

Water (1.5 liter bottle)

$1.21 CA$1.72

$0.32 ₹31.29

278.12%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$5.10 ₹493

172.16%

Wine (Bottle)

$14.25 CA$20.31

$11.48 ₹1,111

24.13%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$1.63 ₹157

34.97%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$2.67 ₹258

-9.36%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.59 ₹638

One-way Ticket (Public Transport)

$2.42 CA$3.44

$0.30 ₹28.71

706.67%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$3.53 ₹342

3037.11%

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$1.06 ₹103

173.58%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$0.24 ₹23.29

425.00%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$1.64 ₹159

1243.29%

Gasoline (1 liter)

$1.22 CA$1.74

$1.08 ₹105

12.96%

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

$27.6K CA$39.4K

$12.3K ₹1.2M

123.74%

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

$19.8K CA$28.3K

$25.2K ₹2.4M

-21.41%

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

$122 CA$174

$38.50 ₹3,726

216.57%

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

$32.03 CA$45.66

$3.86 ₹374

729.79%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$6.58 ₹637

628.27%

Gym Membership (Monthly)

$38.90 CA$55.5

$20.36 ₹1,970

91.06%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

$8.28 ₹802

180.68%

Cinema Ticket

$12.61 CA$17.97

$3.18 ₹308

296.54%

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

$834 CA$1,189

$58.2 ₹5,628

1334.15%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$2,422 ₹234.4K

863.75%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$27.25 ₹2,637

93.03%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$24.60 ₹2,381

63.66%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$57.4 ₹5,551

67.74%

Men's Leather Business Shoes

$123 CA$175

$43.58 ₹4,218

182.10%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$168 ₹16.3K

851.17%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$116 ₹11.2K

1140.68%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$455 ₹44.0K

484.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$280 ₹27.1K

649.84%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$2,940 ₹284.6K

173.19%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

$1,725 ₹167.0K

280.04%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

$429 ₹41.5K

772.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

-44.13%

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

Last update for Toronto: October 4, 2026

Last update for Chandigarh: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Chandigarh

$116 24.6% 91.9% $1.3K

Groceries & Markets

Toronto

$340 13.1%

Chandigarh

$113 24.2% 66.7% $227

Eating Out

Toronto

$282 10.9%

Chandigarh

$89 19% 68.3% $193

Monthly Utilities & Internet

Toronto

$202 7.8%

Chandigarh

$49 10.4% 75.8% $153

Clothing & Footwear

Toronto

$140 5.4%

Chandigarh

$69 14.6% 51% $72

Getting Around

Toronto

$130 5%

Chandigarh

$7 1.5% 94.6% $123

Sport & Entertainment

Toronto

$64 2.5%

Chandigarh

$27 5.7% 58.3% $37

Cost Breakdown

A one-bedroom apartment in the center runs $1,598 in Toronto and $168 in Chandigarh. Housing cost is often the main lever when comparing two cities.

Toronto pays 772% 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 $14.00 in Chandigarh for a mid-range dinner for two. Groceries echo the gap at $340 vs $113 per month, with Chandigarh cheaper across the board.

Good to know

🇨🇦 Toronto

🇮🇳 Chandigarh

🕒 Local time

02:10 2:10 AM

11:40 11:40 AM

9 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

1,028,667

💱 Currency

Canadian Dollar CAD $

Indian Rupee INR ₹

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1,000 INR = 10.33 USD

1,000 INR = 9.21 EUR

Exchange rates and currency converter

INR, 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).

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

USD to CAD in detail →

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Between locations

Toronto Chandigarh 11,400 km ≈ 15 h nonstop flight

From you

Toronto
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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 Chandigarh: Cost of Living - Frequently Asked Questions

Chandigarh wins on cost – living expenses run 447% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Chandigarh the obvious pick if budget is a priority.

Average pay runs 772% higher in Toronto, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,598 in Toronto versus $168 in Chandigarh. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Chandigarh runs roughly 3037% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $834 in Toronto versus $58.2 in Chandigarh. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $463 in Chandigarh versus $2,530 in Toronto, a $1,000 budget is realistic in Chandigarh but tight or insufficient in Toronto. The gap between the two cities makes Chandigarh 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.

Safety-wise, Toronto and Chandigarh 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 Chandigarh gentler on the wallet – expenses run 447% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.