Last update: Oct 2026

Cost of Living Comparison Between Toronto and Fargo, ND

For one person, living is cheaper in Fargo, ND: $2,026 a month against $2,610 in Toronto, rent and utilities included – about $7,000 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

126

Cost of Living Index in Toronto
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Toronto Living Index
97

Cost of Living Index in Fargo, ND
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Fargo, ND Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Fargo, ND

🇺🇸 United States

$2,026

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Fargo, ND

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

A single person spends $2,610 per month in Toronto vs $2,026 in Fargo, ND, rent included.

Toronto $2,610
Fargo, ND $2,026

A couple spends around $3,727 per month in Toronto vs $3,226 in Fargo, ND, rent included.

Toronto $3,727
Fargo, ND $3,226

A family of three spends $4,844 per month in Toronto vs $4,426 in Fargo, ND, rent included.

Toronto $4,844
Fargo, ND $4,426

Toronto costs about 29% more than Fargo, ND, and outside of rent the biggest gap is in groceries.

Both Toronto and Fargo, ND sit above the global median – Toronto by 93%, Fargo, ND by 49%.

Meal at Budget Restaurant

$17.59 CA$24.87

$17.26 $17.26

1.91%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$60.7 $60.7

29.87%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$11.73 $11.73

-8.53%

Cappuccino

$4.09 CA$5.78

$5.15 $5.15

-20.58%

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

$2.10 CA$2.97

$2.58 $2.58

-18.60%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.04 $2.04

-15.69%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.34 $5.34

19.10%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$9.13 $9.13

-22.45%

Milk (1 liter)

$2.54 CA$3.59

$1.27 $1.27

100.00%

White Bread (500g)

$2.72 CA$3.85

$3.52 $3.52

-22.73%

Rice (white) (1kg)

$2.18 CA$3.09

$7.52 $7.52

-71.01%

Eggs

$3.63 CA$5.13

$4.04 $4.04

-10.15%

Local Cheese (1kg)

$9.46 CA$13.37

$14.80 $14.80

-36.08%

Chicken Fillets (1kg)

$11.54 CA$16.32

$15.50 $15.50

-25.55%

Beef Round Steak (1kg)

$14.37 CA$20.32

$21.19 $21.19

-32.18%

Apples (1kg)

$3.70 CA$5.23

$10.51 $10.51

-64.80%

Banana (1kg)

$1.19 CA$1.68

$2.36 $2.36

-49.58%

Oranges (1kg)

$3.46 CA$4.90

$6.59 $6.59

-47.50%

Tomato (1kg)

$4.22 CA$5.97

$5.44 $5.44

-22.43%

Potato (1kg)

$1.79 CA$2.52

$4.87 $4.87

-63.24%

Onion (1kg)

$1.65 CA$2.33

$3.81 $3.81

-56.69%

Lettuce (1 head)

$2.20 CA$3.11

$2.01 $2.01

9.45%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.62 $2.62

-51.91%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$8.77 $8.77

59.29%

Wine (Bottle)

$14.20 CA$20.07

$18.54 $18.54

-23.41%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.54 $2.54

-11.42%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$5.44 $5.44

-53.49%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.47 $1.47

57.82%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$41.33 $41.33

170.14%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$4.52 $4.52

-32.30%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

Gasoline (1 liter)

$1.21 CA$1.72

$0.98 $0.98

23.47%

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

$26.1K CA$37.0K

$27.0K $27.0K

-3.06%

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

$21.1K CA$29.9K

$25.9K $25.9K

-18.36%

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

$120 CA$169

$136 $136

-11.90%

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

$32.21 CA$45.54

$58.2 $58.2

-44.65%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$57.3 $57.3

-14.69%

Gym Membership (Monthly)

$39.34 CA$55.6

$57.1 $57.1

-31.14%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$13.79 $13.79

-8.77%

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

$832 CA$1,176

$1,244 $1,244

-33.15%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$51.0 $51.0

2.45%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$45.99 $45.99

-14.24%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$84.7 $84.7

16.92%

Men's Leather Business Shoes

$122 CA$172

$103 $103

18.04%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$954 $954

71.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$689 $689

110.23%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,252 $2,252

21.55%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,452 $1,452

46.63%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$1,898 $1,898

332.44%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$1,673 $1,673

308.78%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$3,824 $3,824

-7.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.43

-30.48%

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

Last update for Toronto: October 18, 2026

Last update for Fargo, ND: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Fargo, ND

$689 34% 52.4% $759

Groceries & Markets

Toronto

$343 13.1%

Fargo, ND

$522 25.8% 52.3% $179

Eating Out

Toronto

$283 10.9%

Fargo, ND

$299 14.7% 5.4% $15

Monthly Utilities & Internet

Toronto

$201 7.7%

Fargo, ND

$251 12.4% 25.2% $51

Clothing & Footwear

Toronto

$141 5.4%

Fargo, ND

$128 6.3% 8.8% $12

Getting Around

Toronto

$130 5%

Fargo, ND

$52 * 2.6% 60.2% $78

Sport & Entertainment

Toronto

$65 2.5%

Fargo, ND

$85 4.2% 31.3% $20

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,631 in Toronto versus $954 in Fargo, ND. 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 9% higher in Fargo, ND, 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 $79.0 in Toronto versus $61.0 in Fargo, ND. Groceries tell a different story – $343 in Toronto vs $522 in Fargo, ND – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Fargo, ND

🕒 Local time

04:04 4:04 AM

03:04 3:04 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

90,056

💱 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 22, 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 22, 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 Fargo, ND 1,410 km ≈ 2 h 15 min nonstop flight

From you

Toronto
Fargo, ND

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 Fargo, ND: Cost of Living - Frequently Asked Questions

Toronto costs about 29% more than Fargo, ND, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,916 per month in Toronto and $3,038 in Fargo, ND. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Fargo, ND, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $79.0 in Toronto and $61.0 in Fargo, ND. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,610 in Toronto and $2,026 in Fargo, ND. That's a gap of about 29%.

A $2,000 monthly budget goes further in Fargo, ND, where all-in costs run around $2,026, than in Toronto at $2,610. In Fargo, ND it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Fargo, ND costs $2,026 versus $2,610 in Toronto. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Fargo, ND. 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.