Last update: Oct 2026

Cost of Living Comparison Between Toronto and Dharwad

For one person, living is cheaper in Dharwad: $371 a month against $2,561 in Toronto, rent and utilities included – about $26,300 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
18

Cost of Living Index in Dharwad
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Dharwad Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Dharwad

🇮🇳 India

$371

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Dharwad

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

Monthly costs for one person with rent: $2,561 in Toronto versus $371 in Dharwad.

Toronto $2,561
Dharwad $371

Estimated couple costs with rent: $3,694 in Toronto versus $582 in Dharwad.

Toronto $3,694
Dharwad $582

Monthly costs for a family of three with rent: $4,826 in Toronto versus $792 in Dharwad.

Toronto $4,826
Dharwad $792

Living in Toronto is roughly 590% more expensive than in Dharwad, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Toronto is 90% above, Dharwad is 73% below.

Meal at Budget Restaurant

$17.18 CA$24.29

$3.36 ₹319

411.31%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$7.16 ₹680

961.03%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$4.21 ₹399

150.36%

Cappuccino

$4.02 CA$5.68

$1.59 ₹151

152.83%

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

$2.12 CA$3.00

$0.37 ₹35.23

472.97%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.11 ₹10.01

1490.91%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$1.56 ₹148

300.00%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$3.22 ₹305

120.19%

Milk (1 liter)

$2.44 CA$3.45

$0.67 ₹63.7

264.18%

White Bread (500g)

$2.68 CA$3.78

$0.47 ₹44.20

470.21%

Rice (white) (1kg)

$2.24 CA$3.17

$0.62 ₹58.8

261.29%

Eggs

$3.56 CA$5.03

$0.85 ₹80.4

318.82%

Local Cheese (1kg)

$9.09 CA$12.85

$4.14 ₹393

119.57%

Chicken Fillets (1kg)

$11.33 CA$16.01

$2.78 ₹264

307.55%

Beef Round Steak (1kg)

$14.53 CA$20.55

Apples (1kg)

$3.62 CA$5.12

$1.91 ₹181

89.53%

Banana (1kg)

$1.21 CA$1.72

$0.63 ₹59.5

92.06%

Oranges (1kg)

$3.60 CA$5.09

$0.94 ₹89.7

282.98%

Tomato (1kg)

$4.21 CA$5.96

$0.48 ₹45.73

777.08%

Potato (1kg)

$1.79 CA$2.53

$0.32 ₹30.02

459.38%

Onion (1kg)

$1.59 CA$2.25

$0.36 ₹34.58

341.67%

Lettuce (1 head)

$2.27 CA$3.21

$0.47 ₹44.62

382.98%

Water (1.5 liter bottle)

$1.25 CA$1.77

$0.31 ₹29.46

303.23%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$5.38 ₹511

156.88%

Wine (Bottle)

$14.27 CA$20.18

$7.27 ₹690

96.29%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.41 ₹134

56.03%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.40 ₹228

1.25%

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

$4.93 ₹468

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.25 ₹23.59

856.00%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$7.80 ₹741

1322.18%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$0.80 ₹75.8

263.75%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.25 ₹24.12

380.00%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$1.50 ₹142

1325.33%

Gasoline (1 liter)

$1.21 CA$1.71

$1.18 ₹112

2.54%

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

$28.2K CA$39.8K

$13.3K ₹1.3M

111.87%

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

$20.3K CA$28.6K

$17.1K ₹1.6M

18.14%

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

$120 CA$170

$34.48 ₹3,275

249.04%

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

$32.26 CA$45.60

$3.09 ₹293

944.01%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$5.62 ₹533

752.85%

Gym Membership (Monthly)

$38.48 CA$54.4

$13.87 ₹1,317

177.43%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$6.56 ₹623

250.00%

Cinema Ticket

$12.38 CA$17.50

$2.95 ₹280

319.66%

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

$830 CA$1,173

$47.71 ₹4,531

1639.57%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$1,388 ₹131.8K

1563.22%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$24.78 ₹2,353

104.64%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$21.34 ₹2,026

87.54%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$42.91 ₹4,075

128.32%

Men's Leather Business Shoes

$121 CA$171

$27.61 ₹2,622

336.98%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$122 ₹11.5K

1210.15%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$73.6 ₹6,985

1817.54%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$258 ₹24.5K

934.90%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$169 ₹16.0K

1173.50%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$961 ₹91.3K

726.61%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$469 ₹44.5K

1296.30%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

8.86

-49.55%

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

Last update for Toronto: October 12, 2026

Last update for Dharwad: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Dharwad

$74 19.8% 94.8% $1.3K

Groceries & Markets

Toronto

$340 13.3%

Dharwad

$97 26% 71.5% $243

Eating Out

Toronto

$278 10.9%

Dharwad

$75 20.1% 73.2% $203

Monthly Utilities & Internet

Toronto

$201 7.8%

Dharwad

$43 11.6% 78.5% $157

Clothing & Footwear

Toronto

$139 5.4%

Dharwad

$52 14.1% 62.3% $87

Getting Around

Toronto

$129 5.1%

Dharwad

$11 2.9% 91.6% $119

Sport & Entertainment

Toronto

$63 2.5%

Dharwad

$20 5.3% 68.7% $43

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $122 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $76.0 in Toronto vs $7.00 in Dharwad for a mid-range dinner for two. Groceries echo the gap at $340 vs $97.0 per month, with Dharwad cheaper across the board.

Good to know

🇨🇦 Toronto

🇮🇳 Dharwad

🕒 Local time

06:43 6:43 AM

16:13 4:13 PM

9 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

100,000

💱 Currency

Canadian Dollar CAD $

Indian Rupee INR ₹

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 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 19, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

Indian Rupee exchange rates as of October 19, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to CAD in detail →

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Between locations

Toronto Dharwad 12,950 km ≈ 17 h nonstop flight

From you

Toronto
Dharwad

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 Dharwad: Cost of Living - Frequently Asked Questions

Toronto and Dharwad differ by about 590% in total monthly costs ($2,561 vs $371 including rent). Dharwad is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,841 in Toronto and $557 in Dharwad to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,592 in Toronto versus $122 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,561 per month in Toronto versus $371 in Dharwad – a 590% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 1322% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $371 in Dharwad versus $2,561 in Toronto, a $2,000 budget is realistic in Dharwad but tight or insufficient in Toronto. The gap between the two cities makes Dharwad 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 Dharwad 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 Dharwad gentler on the wallet – expenses run 590% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.