Last update: Nov 2026

Cost of Living Comparison Between Toronto and Fajardo

For one person, living is cheaper in Fajardo: $1,245 a month against $2,599 in Toronto, rent and utilities included – about $16,200 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
60

Cost of Living Index in Fajardo
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Fajardo Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Fajardo

🇵🇷 Puerto Rico

$1,245

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Fajardo

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

Monthly costs for one person with rent: $2,599 in Toronto versus $1,245 in Fajardo.

Toronto $2,599
Fajardo $1,245

Estimated couple costs with rent: $3,700 in Toronto versus $1,955 in Fajardo.

Toronto $3,700
Fajardo $1,955

Monthly costs for a family of three with rent: $4,801 in Toronto versus $2,665 in Fajardo.

Toronto $4,801
Fajardo $2,665

Living in Toronto is roughly 109% more expensive than in Fajardo, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: Toronto is 92% above, Fajardo is 8% below.

Meal at Budget Restaurant

$17.98 CA$25.20

$9.94 $9.94

80.89%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$80.5 $80.5

-10.18%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$9.17 $9.17

18.10%

Cappuccino

$4.34 CA$6.09

$3.58 $3.58

21.23%

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

$2.16 CA$3.03

$1.84 $1.84

17.39%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.46 $1.46

13.70%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$2.94 $2.94

115.99%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$5.12 $5.12

43.36%

Milk (1 liter)

$2.57 CA$3.60

$2.14 $2.14

20.09%

White Bread (500g)

$2.71 CA$3.79

$3.56 $3.56

-23.88%

Rice (white) (1kg)

$2.28 CA$3.19

$2.45 $2.45

-6.94%

Eggs

$3.60 CA$5.05

$7.37 $7.37

-51.15%

Local Cheese (1kg)

$8.94 CA$12.54

$12.69 $12.69

-29.55%

Chicken Fillets (1kg)

$11.19 CA$15.69

$9.92 $9.92

12.80%

Beef Round Steak (1kg)

$15.23 CA$21.34

$13.15 $13.15

15.82%

Apples (1kg)

$3.74 CA$5.25

$4.93 $4.93

-24.14%

Banana (1kg)

$1.23 CA$1.72

$2.53 $2.53

-51.38%

Oranges (1kg)

$3.58 CA$5.02

$4.97 $4.97

-27.97%

Tomato (1kg)

$4.25 CA$5.96

$4.95 $4.95

-14.14%

Potato (1kg)

$1.94 CA$2.72

$3.69 $3.69

-47.43%

Onion (1kg)

$1.67 CA$2.34

$3.94 $3.94

-57.61%

Lettuce (1 head)

$2.30 CA$3.22

$3.48 $3.48

-33.91%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.64 $1.64

-23.17%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$11.70 $11.70

21.28%

Wine (Bottle)

$14.25 CA$19.97

$15.85 $15.85

-10.09%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$2.98 $2.98

-23.49%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$4.08 $4.08

-36.76%

One-way Ticket (Public Transport)

$2.35 CA$3.30

Public Transport Monthly Pass (Regular Price)

$111 CA$156

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$2.56 $2.56

17.58%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.46 $1.46

-16.44%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

$41.78 $41.78

-47.77%

Gasoline (1 liter)

$1.23 CA$1.73

$1.23 $1.23

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

$27.0K CA$37.8K

$35.1K $35.1K

-23.10%

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

$21.8K CA$30.6K

$28.3K $28.3K

-22.78%

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

$121 CA$169

$319 $319

-62.08%

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

$33.10 CA$46.40

$69.2 $69.2

-52.15%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$69.4 $69.4

-29.29%

Gym Membership (Monthly)

$36.65 CA$51.4

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

$10.67 $10.67

19.78%

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

$754 CA$1,058

$808 $808

-6.62%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$12.3K $12.3K

173.73%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$55.1 $55.1

-8.61%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$61.3 $61.3

-32.41%

Sport Shoes (Adidas, Nike)

$101 CA$142

$109 $109

-7.02%

Men's Leather Business Shoes

$130 CA$183

$115 $115

13.09%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$983 $983

61.75%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.55

-32.06%

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

Last update for Toronto: November 2, 2026

Last update for Fajardo: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Fajardo

- * 0% 100%

Groceries & Markets

Toronto

$345 13.3%

Fajardo

$415 33.4% 20.3% $70

Eating Out

Toronto

$290 11.2%

Fajardo

$188 15.1% 35.1% $102

Monthly Utilities & Internet

Toronto

$203 7.8%

Fajardo

$457 36.7% 125% $254

Clothing & Footwear

Toronto

$145 5.6%

Fajardo

$153 12.3% 5.3% $7.7

Getting Around

Toronto

$130 5%

Fajardo

$9.9 * 0.8% 92.4% $120

Sport & Entertainment

Toronto

$62 2.4%

Fajardo

$21 * 1.7% 65.7% $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 $1,590 in Toronto and $983 in Fajardo. Housing cost is often the main lever when comparing two cities.

Dining out: $72 in Toronto vs $80 in Fajardo for a mid-range dinner for two. Groceries echo the gap at $345 vs $415 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇵🇷 Fajardo

🕒 Local time

20:10 8:10 PM

21:10 9:10 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

11,647

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 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 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Fajardo 3,100 km ≈ 4 h 15 min nonstop flight

From you

Toronto
Fajardo

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 Fajardo: Cost of Living - Frequently Asked Questions

Fajardo wins on cost – living expenses run 52% lower than in Toronto. Housing and daily spending are where you’ll feel the difference most, making Fajardo the obvious pick if budget is a priority.

You’d need roughly $3,899 in Toronto and $1,867 in Fajardo 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: $1,590 in Toronto versus $983 in Fajardo. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 17% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $2,599 per month in Toronto versus $1,245 in Fajardo – Fajardo is about 52% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Fajardo 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.