Cost of Living Comparison Between Toronto and Duluth, MN Cost of Living Comparison Between Toronto and Duluth, MN

Monthly Cost of Living

A single person spends $2,668 per month in Toronto vs $2,175 in Duluth, MN, rent included.

A couple spends around $3,801 per month in Toronto vs $3,574 in Duluth, MN, rent included.

A family of three spends $4,934 per month in Toronto vs $4,973 in Duluth, MN, rent included.

Toronto costs about 23% more than Duluth, MN, driven mainly by Getting Around.

Both Toronto and Duluth, MN sit above the global median – Toronto by 95%, Duluth, MN by 59%.

Meal at Budget Restaurant

$18.31 CA$25.62

$20.31 $20.31

-9.85%

Three-Course Dinner for Two, Mid-Range

$80.4 CA$112

$67.6 $67.6

19.02%

Fast Food Meal (McDonalds, etc)

$10.61 CA$14.84

$10.02 $10.02

5.89%

Cappuccino

$3.99 CA$5.59

$5.25 $5.25

-24.00%

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

$2.16 CA$3.02

$2.54 $2.54

-14.96%

Water (0.33 liter bottle)

$1.76 CA$2.46

$1.80 $1.80

-2.22%

Local Beer (0.5 liter draught)

$6.65 CA$9.30

$6.58 $6.58

1.06%

Imported Beer (0.33 liter bottle)

$7.20 CA$10.07

$7.79 $7.79

-7.57%

Milk (1 liter)

$2.84 CA$3.97

$0.88 $0.88

222.73%

White Bread (500g)

$2.75 CA$3.85

$2.93 $2.93

-6.14%

Rice (white) (1kg)

$2.51 CA$3.50

$3.92 $3.92

-35.97%

Eggs

$3.83 CA$5.35

$3.91 $3.91

-2.05%

Local Cheese (1kg)

$10.01 CA$14.00

$10.31 $10.31

-2.91%

Chicken Fillets (1kg)

$11.96 CA$16.73

$10.43 $10.43

14.67%

Beef Round Steak (1kg)

$15.63 CA$21.87

$19.23 $19.23

-18.72%

Apples (1kg)

$3.67 CA$5.14

$5.10 $5.10

-28.04%

Banana (1kg)

$1.27 CA$1.78

$1.49 $1.49

-14.77%

Oranges (1kg)

$3.87 CA$5.41

$2.79 $2.79

38.71%

Tomato (1kg)

$4.23 CA$5.91

$4.31 $4.31

-1.86%

Potato (1kg)

$1.86 CA$2.60

$1.10 $1.10

69.09%

Onion (1kg)

$1.53 CA$2.15

$2.09 $2.09

-26.79%

Lettuce (1 head)

$2.30 CA$3.22

$1.11 $1.11

107.21%

Water (1.5 liter bottle)

$1.44 CA$2.01

$1.41 $1.41

2.13%

Cigarettes 20 Pack (Marlboro, Camel)

$14.12 CA$19.75

$13.16 $13.16

7.29%

Wine (Bottle)

$14.53 CA$20.33

$15.95 $15.95

-8.90%

Local Beer (0.5 liter bottle)

$2.22 CA$3.11

$1.74 $1.74

27.59%

Imported Beer (0.33 liter bottle)

$2.55 CA$3.57

$2.74 $2.74

-6.93%

One-way Ticket (Public Transport)

$2.47 CA$3.46

$1.85 $1.85

33.51%

Public Transport Monthly Pass (Regular Price)

$113 CA$158

$40.75 $40.75

176.93%

Taxi Start (Normal Tariff)

$3.10 CA$4.34

$4.92 $4.92

-36.99%

Taxi (Normal Tariff) (1km)

$1.28 CA$1.78

$1.50 $1.50

-14.67%

Taxi 1hour Waiting (Normal Tariff)

$21.87 CA$30.60

$24.20 $24.20

-9.63%

Gasoline (1 liter)

$1.23 CA$1.72

$0.92 $0.92

33.70%

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

$27.2K CA$38.1K

$22.8K $22.8K

19.46%

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

$20.3K CA$28.5K

$23.5K $23.5K

-13.35%

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

$122 CA$171

$156 $156

-21.39%

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

$33.21 CA$46.46

$44.26 $44.26

-24.97%

Internet (50+ Mbps, Unlimited Data)

$49.37 CA$69.1

$66.8 $66.8

-26.04%

Gym Membership (Monthly)

$40.05 CA$56.0

$63.2 $63.2

-36.66%

Tennis Court (1 Hour on Weekend)

$23.78 CA$33.27

$26.10 $26.10

-8.89%

Cinema Ticket

$12.70 CA$17.76

$11.31 $11.31

12.29%

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

$772 CA$1,080

$1,033 $1,033

-25.26%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.4K

$10.0K $10.0K

138.02%

Jeans (Levis 501 Or Similar)

$53.4 CA$74.8

$57.1 $57.1

-6.48%

Summer Dress (H&M, Zara, etc)

$42.13 CA$58.9

$44.73 $44.73

-5.81%

Sport Shoes (Adidas, Nike)

$99.7 CA$139

$98.1 $98.1

1.66%

Men's Leather Business Shoes

$123 CA$172

$85.3 $85.3

44.00%

1-bedroom Apartment, City Center (Monthly)

$1,597 CA$2,234

$1,297 $1,297

23.12%

1-bedroom Apartment, Outside City Center (Monthly)

$1,439 CA$2,013

$1,000 $1,000

43.82%

3-bedroom Apartment, City Center (Monthly)

$2,738 CA$3,830

$2,301 $2,301

18.96%

3-bedroom Apartment, Outside City Center (Monthly)

$2,163 CA$3,027

$2,215 $2,215

-2.36%

Buy Apartment in City Center (m2)

$8,246 CA$11.5K

$2,415 $2,415

241.37%

Buy Apartment Outside City Center (m2)

$6,695 CA$9,367

$2,351 $2,351

184.74%

Average Monthly Net Salary (After Tax)

$3,830 CA$5,359

$3,735 $3,735

2.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.19

-27.79%

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

Last update for Toronto: September 12, 2026

Last update for Duluth, MN: September 14, 2026

Cost Breakdown

A central one-bedroom costs $1,597 in Toronto versus $1,297 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 3% higher in Toronto, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $80.0 in Toronto versus $68.0 in Duluth, MN. Monthly groceries follow the same trend: $361 vs $352 – making Duluth, MN the more affordable choice for daily food spending.

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 23%, and the gap shows up most in Getting Around. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $4,002 per month in Toronto and $3,262 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,668 in Toronto and $2,175 in Duluth, MN. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 177% less in Duluth, MN. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Duluth, MN, where all-in costs run around $2,175, than in Toronto at $2,668. In Duluth, MN it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Duluth, MN – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Duluth, MN. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.