Last update: Nov 2026

Cost of Living Comparison Between Toronto and Duluth, MN

For one person, living is cheaper in Duluth, MN: $2,211 a month against $2,599 in Toronto, rent and utilities included – about $4,700 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
106

Cost of Living Index in Duluth, MN
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Duluth, MN Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Duluth, MN

🇺🇸 United States

$2,211

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Duluth, MN

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

A single person spends $2,599 per month in Toronto vs $2,211 in Duluth, MN, rent included.

Toronto $2,599
Duluth, MN $2,211

A couple spends around $3,700 per month in Toronto vs $3,554 in Duluth, MN, rent included.

Toronto $3,700
Duluth, MN $3,554

A family of three spends $4,801 per month in Toronto vs $4,896 in Duluth, MN, rent included.

Toronto $4,801
Duluth, MN $4,896

Toronto costs about 18% more than Duluth, MN, and outside of rent the biggest gap is in transport.

Both Toronto and Duluth, MN sit above the global median – Toronto by 92%, Duluth, MN by 64%.

Meal at Budget Restaurant

$17.98 CA$25.18

$20.13 $20.13

-10.68%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$66.2 $66.2

9.19%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.16

$10.14 $10.14

6.80%

Cappuccino

$4.34 CA$6.08

$5.39 $5.39

-19.48%

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

$2.16 CA$3.02

$2.50 $2.50

-13.60%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.88 $1.88

-11.70%

Local Beer (0.5 liter draught)

$6.35 CA$8.89

$6.33 $6.33

0.32%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.28

$7.62 $7.62

-3.67%

Milk (1 liter)

$2.57 CA$3.60

$0.90 $0.90

185.56%

White Bread (500g)

$2.71 CA$3.79

$2.82 $2.82

-3.90%

Rice (white) (1kg)

$2.28 CA$3.19

$3.77 $3.77

-39.52%

Eggs

$3.60 CA$5.05

$3.49 $3.49

3.15%

Local Cheese (1kg)

$8.94 CA$12.52

$10.20 $10.20

-12.35%

Chicken Fillets (1kg)

$11.19 CA$15.67

$10.48 $10.48

6.77%

Beef Round Steak (1kg)

$15.23 CA$21.32

$19.14 $19.14

-20.43%

Apples (1kg)

$3.74 CA$5.24

$5.02 $5.02

-25.50%

Banana (1kg)

$1.23 CA$1.72

$1.49 $1.49

-17.45%

Oranges (1kg)

$3.58 CA$5.01

$2.71 $2.71

32.10%

Tomato (1kg)

$4.25 CA$5.95

$4.47 $4.47

-4.92%

Potato (1kg)

$1.94 CA$2.72

$1.10 $1.10

76.36%

Onion (1kg)

$1.67 CA$2.34

$2.09 $2.09

-20.10%

Lettuce (1 head)

$2.30 CA$3.22

$1.11 $1.11

107.21%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.46 $1.46

-13.70%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.88

$12.86 $12.86

10.34%

Wine (Bottle)

$14.25 CA$19.96

$15.95 $15.95

-10.66%

Local Beer (0.5 liter bottle)

$2.28 CA$3.19

$1.76 $1.76

29.55%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$2.69 $2.69

-4.09%

One-way Ticket (Public Transport)

$2.35 CA$3.30

$1.89 $1.89

24.34%

Public Transport Monthly Pass (Regular Price)

$111 CA$155

$40.77 $40.77

172.21%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$4.89 $4.89

-38.45%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.54 $1.54

-20.78%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.57

$23.56 $23.56

-7.39%

Gasoline (1 liter)

$1.23 CA$1.73

$0.91 $0.91

35.16%

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

$27.0K CA$37.8K

$22.5K $22.5K

19.89%

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

$21.8K CA$30.6K

$23.9K $23.9K

-8.57%

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

$121 CA$169

$183 $183

-34.01%

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

$33.10 CA$46.36

$44.39 $44.39

-25.43%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$66.5 $66.5

-26.19%

Gym Membership (Monthly)

$36.65 CA$51.3

$63.3 $63.3

-42.10%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.03

$25.61 $25.61

-2.34%

Cinema Ticket

$12.78 CA$17.89

$11.67 $11.67

9.51%

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

$754 CA$1,057

$1,020 $1,020

-26.04%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$10.0K $10.0K

236.26%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$54.3 $54.3

-7.12%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.0

$43.48 $43.48

-4.71%

Sport Shoes (Adidas, Nike)

$101 CA$142

$98.7 $98.7

2.59%

Men's Leather Business Shoes

$130 CA$182

$83.8 $83.8

55.37%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,226

$1,272 $1,272

24.96%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,995

$974 $974

46.30%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,699

$2,313 $2,313

14.20%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,927

$2,168 $2,168

-3.61%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

$2,170 $2,170

256.26%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,652

$2,227 $2,227

209.45%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,074

$3,841 $3,841

-5.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.19

-28.11%

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

Last update for Toronto: November 2, 2026

Last update for Duluth, MN: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Duluth, MN

$974 44% 31.6% $451

Groceries & Markets

Toronto

$345 13.3%

Duluth, MN

$349 15.8% 1.3% $4.4

Eating Out

Toronto

$290 11.2%

Duluth, MN

$320 14.5% 10.5% $30

Monthly Utilities & Internet

Toronto

$203 7.8%

Duluth, MN

$294 13.3% 44.8% $91

Clothing & Footwear

Toronto

$145 5.6%

Duluth, MN

$126 5.7% 13.3% $19

Getting Around

Toronto

$130 5%

Duluth, MN

$61 2.8% 53% $69

Sport & Entertainment

Toronto

$62 2.4%

Duluth, MN

$87 3.9% 39.3% $24

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $1,272 in Duluth, MN. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 6% higher in Duluth, MN, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $72 in Toronto versus $66 in Duluth, MN. Groceries tell a different story – $345 in Toronto vs $349 in Duluth, MN – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Duluth, MN

🕒 Local time

11:57 11:57 AM

10:57 10:57 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

86,265

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.714 USD

1 CAD = 0.637 EUR

1 USD = 0.892 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 4, 2026: 1 USD = 1.4 CAD (1 CAD = 0.714 USD). 1 EUR = 1.57 CAD (1 CAD = 0.637 EUR).

United States Dollar exchange rates as of November 4, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Duluth, MN 1,050 km ≈ 1 h 45 min nonstop flight

From you

Toronto
Duluth, MN

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 Duluth, MN: Cost of Living - Frequently Asked Questions

Yes – Toronto is pricier by about 18%, and outside of rent the gap shows up most in transport.

For a comfortable life, plan on about $3,899 per month in Toronto and $3,316 in Duluth, MN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Duluth, MN, especially for central apartments: a one-bedroom in the center costs $1,272 there versus $1,590 in Toronto.

Monthly expenses with rent come to $2,599 in Toronto and $2,211 in Duluth, MN. That makes Duluth, MN about 15% cheaper.

Kindergarten costs $754 per month in Toronto and $1,020 in Duluth, MN. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,500 monthly budget goes further in Duluth, MN, where all-in costs run around $2,211, than in Toronto at $2,599. In Duluth, MN it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

It depends on your priorities. Duluth, MN has an edge in some lifestyle areas, with costs from $2,211 in Duluth, MN to $2,599 in Toronto. Climate, culture, job market, and personal taste all factor in.