Last update: Nov 2026

Cost of Living Comparison Between Toronto and Charlotte Amalie

For one person, living is cheaper in Charlotte Amalie: $2,365 a month against $2,599 in Toronto, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

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Cost of Living Index in Toronto
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Toronto Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Charlotte Amalie

🇻🇮 U.S. Virgin Islands

$2,365

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Charlotte Amalie

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

A single person spends $2,599 per month in Toronto vs $2,365 in Charlotte Amalie, rent included.

Toronto $2,599
Charlotte Amalie $2,365

A couple spends around $3,700 per month in Toronto vs $4,182 in Charlotte Amalie, rent included.

Toronto $3,700
Charlotte Amalie $4,182

A family of three spends $4,801 per month in Toronto vs $5,998 in Charlotte Amalie, rent included.

Toronto $4,801
Charlotte Amalie $5,998

Toronto costs about 10% more than Charlotte Amalie, and outside of rent the biggest gap is in groceries.

Both Toronto and Charlotte Amalie sit above the global median – Toronto by 92%, Charlotte Amalie by 75%.

Meal at Budget Restaurant

$17.98 CA$25.28

$25.12 $25.12

-28.42%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$102

$118 $118

-39.01%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.23

$12.79 $12.79

-15.32%

Cappuccino

$4.34 CA$6.11

$7.22 $7.22

-39.89%

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

$2.16 CA$3.04

$3.05 $3.05

-29.18%

Water (0.33 liter bottle)

$1.66 CA$2.33

$2.46 $2.46

-32.52%

Local Beer (0.5 liter draught)

$6.35 CA$8.93

$5.39 $5.39

17.81%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.32

$6.93 $6.93

5.92%

Milk (1 liter)

$2.57 CA$3.61

$2.79 $2.79

-7.89%

White Bread (500g)

$2.71 CA$3.81

$8.86 $8.86

-69.41%

Rice (white) (1kg)

$2.28 CA$3.20

Eggs

$3.60 CA$5.07

$7.17 $7.17

-49.79%

Local Cheese (1kg)

$8.94 CA$12.58

Chicken Fillets (1kg)

$11.19 CA$15.74

Beef Round Steak (1kg)

$15.23 CA$21.41

Apples (1kg)

$3.74 CA$5.27

Banana (1kg)

$1.23 CA$1.72

Oranges (1kg)

$3.58 CA$5.03

Tomato (1kg)

$4.25 CA$5.98

Potato (1kg)

$1.94 CA$2.73

Onion (1kg)

$1.67 CA$2.35

Lettuce (1 head)

$2.30 CA$3.23

Water (1.5 liter bottle)

$1.26 CA$1.78

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.96

$4.92 $4.92

188.41%

Wine (Bottle)

$14.25 CA$20.04

$19.93 $19.93

-28.50%

Local Beer (0.5 liter bottle)

$2.28 CA$3.21

Imported Beer (0.33 liter bottle)

$2.58 CA$3.63

$6.83 $6.83

-62.23%

One-way Ticket (Public Transport)

$2.35 CA$3.31

$6.17 $6.17

-61.91%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

Taxi Start (Normal Tariff)

$3.01 CA$4.24

$19.93 $19.93

-84.90%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.69

Gasoline (1 liter)

$1.23 CA$1.73

$1.35 $1.35

-8.89%

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

$27.0K CA$37.9K

$45.8K $45.8K

-41.08%

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

$21.8K CA$30.7K

$48.7K $48.7K

-55.18%

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

$121 CA$170

$301 $301

-59.93%

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

$33.10 CA$46.55

$61.0 $61.0

-45.71%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$69.0

$101 $101

-51.39%

Gym Membership (Monthly)

$36.65 CA$51.5

$199 $199

-81.61%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.17

Cinema Ticket

$12.78 CA$17.97

$11.84 $11.84

7.94%

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

$754 CA$1,061

International Primary School, 1 Child (Yearly)

$33.7K CA$47.4K

Jeans (Levis 501 Or Similar)

$50.4 CA$70.9

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.3

Sport Shoes (Adidas, Nike)

$101 CA$142

$89.1 $89.1

13.66%

Men's Leather Business Shoes

$130 CA$183

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,236

$1,261 $1,261

26.06%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$2,003

$1,006 $1,006

41.55%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,714

$3,493 $3,493

-24.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,939

$3,014 $3,014

-30.65%

Buy Apartment in City Center (m2)

$7,730 CA$10.9K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,692

Average Monthly Net Salary (After Tax)

$3,623 CA$5,095

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

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

Last update for Toronto: November 2, 2026

Last update for Charlotte Amalie: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Charlotte Amalie

–

Groceries & Markets

Toronto

$345 13.3%

Charlotte Amalie

–

Eating Out

Toronto

$290 11.2%

Charlotte Amalie

–

Monthly Utilities & Internet

Toronto

$203 7.8%

Charlotte Amalie

–

Clothing & Footwear

Toronto

$145 5.6%

Charlotte Amalie

–

Getting Around

Toronto

$130 5%

Charlotte Amalie

–

Sport & Entertainment

Toronto

$62 2.4%

Charlotte Amalie

–

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $1,261 in Charlotte Amalie. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $72 in Toronto versus $118 in Charlotte Amalie. Groceries tell a different story – $345 in Toronto vs $199 in Charlotte Amalie – so Charlotte Amalie wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇻🇮 Charlotte Amalie

🕒 Local time

14:44 2:44 PM

15:44 3:44 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

14,477 Capital

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.711 USD

1 CAD = 0.636 EUR

1 USD = 0.895 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 = 1.41 CAD (1 CAD = 0.711 USD). 1 EUR = 1.57 CAD (1 CAD = 0.636 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.895 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Charlotte Amalie 3,120 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Charlotte Amalie

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 Charlotte Amalie: Cost of Living - Frequently Asked Questions

Yes – Toronto is pricier by about 10%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $3,899 per month in Toronto and $3,547 in Charlotte Amalie. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Charlotte Amalie, especially for central apartments: a one-bedroom in the center costs $1,261 there versus $1,590 in Toronto.

Groceries cost about 74% more in Toronto, though the gap depends on what you buy.

A mid-range dinner for two costs $72 in Toronto and $118 in Charlotte Amalie. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

It depends on your priorities. Charlotte Amalie has an edge in some lifestyle areas, with costs from $2,365 in Charlotte Amalie to $2,599 in Toronto. Climate, culture, job market, and personal taste all factor in.