Last update: Oct 2026

Cost of Living Comparison Between Toronto and Concord, CA

For one person, living is cheaper in Toronto: $2,561 a month against $3,079 in Concord, CA, rent and utilities included – about $6,200 less a year. Rent and utilities account for about half of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
151

Cost of Living Index in Concord, CA
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Concord, CA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Concord, CA

🇺🇸 United States

$3,079

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Concord, CA

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

Monthly costs for one person with rent: $2,561 in Toronto versus $3,079 in Concord, CA.

Toronto $2,561
Concord, CA $3,079

Estimated couple costs with rent: $3,694 in Toronto versus $4,627 in Concord, CA.

Toronto $3,694
Concord, CA $4,627

Monthly costs for a family of three with rent: $4,826 in Toronto versus $6,175 in Concord, CA.

Toronto $4,826
Concord, CA $6,175

Living in Toronto costs roughly 17% less than in Concord, CA, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Toronto 90% above, Concord, CA 128% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$24.98 $24.98

-31.22%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$79.0 $79.0

-3.81%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$15.14 $15.14

-30.38%

Cappuccino

$4.02 CA$5.68

$5.98 $5.98

-32.78%

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

$2.12 CA$3.00

$3.27 $3.27

-35.17%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.62 $2.62

-33.21%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$9.03 $9.03

-30.90%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$8.23 $8.23

-13.85%

Milk (1 liter)

$2.44 CA$3.45

$1.32 $1.32

84.85%

White Bread (500g)

$2.68 CA$3.78

$4.33 $4.33

-38.11%

Rice (white) (1kg)

$2.24 CA$3.17

$4.70 $4.70

-52.34%

Eggs

$3.56 CA$5.03

$5.53 $5.53

-35.62%

Local Cheese (1kg)

$9.09 CA$12.85

$24.74 $24.74

-63.26%

Chicken Fillets (1kg)

$11.33 CA$16.01

$11.65 $11.65

-2.75%

Beef Round Steak (1kg)

$14.53 CA$20.55

$13.28 $13.28

9.41%

Apples (1kg)

$3.62 CA$5.12

$5.39 $5.39

-32.84%

Banana (1kg)

$1.21 CA$1.72

$2.54 $2.54

-52.36%

Oranges (1kg)

$3.60 CA$5.09

$4.76 $4.76

-24.37%

Tomato (1kg)

$4.21 CA$5.96

$5.88 $5.88

-28.40%

Potato (1kg)

$1.79 CA$2.53

$3.40 $3.40

-47.35%

Onion (1kg)

$1.59 CA$2.25

$3.85 $3.85

-58.70%

Lettuce (1 head)

$2.27 CA$3.21

$2.46 $2.46

-7.72%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.63 $2.63

-52.47%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$7.56 $7.56

82.80%

Wine (Bottle)

$14.27 CA$20.18

$12.82 $12.82

11.31%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.98 $1.98

11.11%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.47 $2.47

-1.62%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$2.49 $2.49

-4.02%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$59.4 $59.4

86.91%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.47 $3.47

-16.14%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.91 $1.91

-37.17%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$39.88 $39.88

-46.39%

Gasoline (1 liter)

$1.21 CA$1.71

$1.47 $1.47

-17.69%

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

$28.2K CA$39.8K

$30.2K $30.2K

-6.57%

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

$20.3K CA$28.6K

$26.5K $26.5K

-23.70%

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

$120 CA$170

$139 $139

-13.47%

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

$32.26 CA$45.60

$43.06 $43.06

-25.08%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$63.6 $63.6

-24.69%

Gym Membership (Monthly)

$38.48 CA$54.4

$98.4 $98.4

-60.91%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$14.83 $14.83

-16.52%

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

$830 CA$1,173

$2,270 $2,270

-63.44%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$24.0K $24.0K

-3.76%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$51.5 $51.5

-1.48%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$40.78 $40.78

-1.86%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$73.9 $73.9

32.55%

Men's Leather Business Shoes

$121 CA$171

$61.0 $61.0

97.79%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$2,315 $2,315

-31.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,658 $1,658

-14.94%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$3,534 $3,534

-24.44%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$2,968 $2,968

-27.50%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$4,847 $4,847

-23.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.66

-32.88%

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

Last update for Toronto: October 12, 2026

Last update for Concord, CA: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Concord, CA

$1.7K 53.9% 17.6% $248

Groceries & Markets

Toronto

$340 13.3%

Concord, CA

$460 14.9% 35.4% $120

Eating Out

Toronto

$278 10.9%

Concord, CA

$402 13.1% 44.6% $124

Monthly Utilities & Internet

Toronto

$201 7.8%

Concord, CA

$246 8% 22.6% $45

Clothing & Footwear

Toronto

$139 5.4%

Concord, CA

$102 3.3% 26.6% $37

Getting Around

Toronto

$129 5.1%

Concord, CA

$82 2.7% 36.4% $47

Sport & Entertainment

Toronto

$63 2.5%

Concord, CA

$128 4.2% 103% $65

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $2,315 in Concord, CA. Housing cost is often the main lever when comparing two cities.

Concord, CA pays 30% 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: $76.0 in Toronto vs $79.0 in Concord, CA for a mid-range dinner for two. Groceries echo the gap at $340 vs $460 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Concord, CA

🕒 Local time

09:21 9:21 AM

06:21 6:21 AM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

42,695

💱 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 18, 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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Concord, CA 3,600 km ≈ 5 h nonstop flight

From you

Toronto
Concord, CA

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 Concord, CA: Cost of Living - Frequently Asked Questions

Toronto and Concord, CA differ by about 20% in total monthly costs ($2,561 vs $3,079 including rent). Toronto is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 30% lower in Concord, CA. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,592 in Toronto versus $2,315 in Concord, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Toronto – a meal for two runs $76.0 versus $79.0 in Concord, CA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,561 per month in Toronto versus $3,079 in Concord, CA – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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 Concord, CA 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 Toronto gentler on the wallet – expenses run 20% less than in Concord, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.