Last update: Oct 2026

Cost of Living Comparison Between Toronto and Chatham-Kent

For one person, living is cheaper in Chatham-Kent: $1,948 a month against $2,589 in Toronto, rent and utilities included – about $7,700 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
94

Cost of Living Index in Chatham-Kent
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Chatham-Kent Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Chatham-Kent

🇨🇦 Canada

$1,948

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Chatham-Kent

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 Chatham-Kent actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,589 in Toronto versus $1,948 in Chatham-Kent.

Toronto $2,589
Chatham-Kent $1,948

Estimated couple costs with rent: $3,710 in Toronto versus $2,811 in Chatham-Kent.

Toronto $3,710
Chatham-Kent $2,811

Monthly costs for a family of three with rent: $4,831 in Toronto versus $3,675 in Chatham-Kent.

Toronto $4,831
Chatham-Kent $3,675

Living in Toronto is roughly 33% more expensive than in Chatham-Kent, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Chatham-Kent 43% above.

Meal at Budget Restaurant

$17.60 CA$24.73

$17.68 CA$24.84

-0.45%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$56.5 CA$79.4

37.74%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.87

$9.84 CA$13.83

7.62%

Cappuccino

$4.16 CA$5.84

$2.93 CA$4.12

41.98%

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

$2.04 CA$2.87

$1.66 CA$2.33

22.89%

Water (0.33 liter bottle)

$1.75 CA$2.46

$1.34 CA$1.88

30.60%

Local Beer (0.5 liter draught)

$6.58 CA$9.24

$5.27 CA$7.40

24.86%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.99

$5.83 CA$8.19

21.96%

Milk (1 liter)

$2.53 CA$3.56

$1.04 CA$1.47

143.27%

White Bread (500g)

$2.70 CA$3.80

$1.66 CA$2.33

62.65%

Rice (white) (1kg)

$2.24 CA$3.15

$2.39 CA$3.36

-6.28%

Eggs

$3.48 CA$4.89

$2.99 CA$4.21

16.39%

Local Cheese (1kg)

$9.38 CA$13.17

$11.22 CA$15.76

-16.40%

Chicken Fillets (1kg)

$11.60 CA$16.29

$15.10 CA$21.22

-23.18%

Beef Round Steak (1kg)

$14.68 CA$20.63

$16.03 CA$22.52

-8.42%

Apples (1kg)

$3.74 CA$5.26

$3.47 CA$4.87

7.78%

Banana (1kg)

$1.22 CA$1.72

$1.36 CA$1.90

-10.29%

Oranges (1kg)

$3.48 CA$4.89

$3.31 CA$4.66

5.14%

Tomato (1kg)

$4.32 CA$6.07

$3.46 CA$4.86

24.86%

Potato (1kg)

$1.85 CA$2.60

$1.33 CA$1.86

39.10%

Onion (1kg)

$1.69 CA$2.38

$1.86 CA$2.62

-9.14%

Lettuce (1 head)

$2.23 CA$3.13

$1.66 CA$2.34

34.34%

Water (1.5 liter bottle)

$1.28 CA$1.79

$1.22 CA$1.71

4.92%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.73

$13.07 CA$18.37

7.42%

Wine (Bottle)

$14.43 CA$20.27

$10.17 CA$14.29

41.89%

Local Beer (0.5 liter bottle)

$2.16 CA$3.03

$1.16 CA$1.63

86.21%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.55

$1.20 CA$1.69

110.00%

One-way Ticket (Public Transport)

$2.37 CA$3.33

$1.83 CA$2.57

29.51%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.04 CA$4.27

$2.46 CA$3.45

23.58%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.74

$1.74 CA$2.44

-28.74%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.69

$28.20 CA$39.62

-20.04%

Gasoline (1 liter)

$1.24 CA$1.75

$1.13 CA$1.59

9.73%

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

$26.9K CA$37.8K

$27.5K CA$38.7K

-2.25%

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

$21.4K CA$30.0K

$20.5K CA$28.9K

4.14%

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

$125 CA$175

$143 CA$200

-12.56%

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

$33.05 CA$46.44

$27.92 CA$39.23

18.37%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.4

$43.26 CA$60.8

10.86%

Gym Membership (Monthly)

$36.69 CA$51.6

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.26

Cinema Ticket

$13.08 CA$18.37

$10.75 CA$15.11

21.67%

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

$759 CA$1,066

$452 CA$635

67.90%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.4K

$15.7K CA$22.0K

51.63%

Jeans (Levis 501 Or Similar)

$53.5 CA$75.2

$60.4 CA$84.8

-11.33%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.8

$32.86 CA$46.17

23.07%

Sport Shoes (Adidas, Nike)

$100 CA$141

$80.3 CA$113

25.10%

Men's Leather Business Shoes

$125 CA$176

$76.3 CA$107

64.11%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,290

$1,410 CA$1,981

15.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,989

$1,006 CA$1,413

40.73%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,785

$1,780 CA$2,501

51.36%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,952

$1,549 CA$2,176

35.63%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

Buy Apartment Outside City Center (m2)

$6,674 CA$9,377

Average Monthly Net Salary (After Tax)

$3,543 CA$4,978

$3,074 CA$4,319

15.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

5.05

-11.88%

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

Last update for Toronto: October 26, 2026

Last update for Chatham-Kent: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Chatham-Kent

$1K 51.7% 28.9% $410

Groceries & Markets

Toronto

$345 13.3%

Chatham-Kent

$319 16.4% 7.4% $26

Eating Out

Toronto

$285 11%

Chatham-Kent

$256 13.2% 10.1% $29

Monthly Utilities & Internet

Toronto

$206 7.9%

Chatham-Kent

$214 11% 3.9% $8.1

Clothing & Footwear

Toronto

$144 5.6%

Chatham-Kent

$112 5.8% 21.8% $31

Getting Around

Toronto

$131 5.1%

Chatham-Kent

$18 * 1% 85.9% $113

Sport & Entertainment

Toronto

$63 2.4%

Chatham-Kent

$22 * 1.1% 65.8% $41

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 $1,630 in Toronto and $1,410 in Chatham-Kent. Housing cost is often the main lever when comparing two cities.

Toronto pays 15% 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: $78 in Toronto vs $56 in Chatham-Kent for a mid-range dinner for two. Groceries echo the gap at $345 vs $319 per month, with Chatham-Kent cheaper across the board.

Good to know

🇨🇦 Toronto

🇨🇦 Chatham-Kent

🕒 Local time

22:42 10:42 PM

Same time as Toronto

🌤 Weather

👥 Population

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.712 USD

1 CAD = 0.638 EUR

1 CAD = 0.712 USD

1 CAD = 0.638 EUR

Exchange rates and currency converter

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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 Chatham-Kent: Cost of Living - Frequently Asked Questions

Chatham-Kent wins on cost – living expenses run 25% lower than in Toronto. Housing and daily spending are where you’ll feel the difference most, making Chatham-Kent the obvious pick if budget is a priority.

Average pay runs 15% 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: $1,630 in Toronto versus $1,410 in Chatham-Kent. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 8% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $2,589 per month in Toronto versus $1,948 in Chatham-Kent – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

For families, Chatham-Kent is more practical. Housing and childcare are both notably cheaper than in Toronto, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – Chatham-Kent wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.