Last update: Oct 2026

Cost of Living Comparison Between Toronto and Fort Collins, CO

For one person, living is cheaper in Toronto: $2,530 a month against $2,758 in Fort Collins, CO, rent and utilities included – about $2,700 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
134

Cost of Living Index in Fort Collins, CO
Learn more

Fort Collins, CO Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Fort Collins, CO

🇺🇸 United States

$2,758

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Fort Collins, CO

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 Fort Collins, CO actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,530 in Toronto versus $2,758 in Fort Collins, CO.

Toronto $2,530
Fort Collins, CO $2,758

Estimated couple costs with rent: $3,646 in Toronto versus $4,111 in Fort Collins, CO.

Toronto $3,646
Fort Collins, CO $4,111

Monthly costs for a family of three with rent: $4,761 in Toronto versus $5,464 in Fort Collins, CO.

Toronto $4,761
Fort Collins, CO $5,464

Living in Toronto costs roughly 8% less than in Fort Collins, CO, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 89% above, Fort Collins, CO 106% above.

Meal at Budget Restaurant

$17.67 CA$25.19

$22.70 $22.70

-22.16%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$80.7 $80.7

-4.15%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$11.26 $11.26

-7.02%

Cappuccino

$4.08 CA$5.81

$6.17 $6.17

-33.87%

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

$2.12 CA$3.02

$2.43 $2.43

-12.76%

Water (0.33 liter bottle)

$1.76 CA$2.51

$2.07 $2.07

-14.98%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$6.94 $6.94

-11.10%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$6.99 $6.99

-1.43%

Milk (1 liter)

$2.43 CA$3.46

$0.98 $0.98

147.96%

White Bread (500g)

$2.75 CA$3.92

$2.99 $2.99

-8.03%

Rice (white) (1kg)

$2.23 CA$3.18

$2.74 $2.74

-18.61%

Eggs

$3.45 CA$4.91

$4.23 $4.23

-18.44%

Local Cheese (1kg)

$8.93 CA$12.73

$10.88 $10.88

-17.92%

Chicken Fillets (1kg)

$11.44 CA$16.31

$9.55 $9.55

19.79%

Beef Round Steak (1kg)

$14.61 CA$20.83

$19.30 $19.30

-24.30%

Apples (1kg)

$3.75 CA$5.34

$4.94 $4.94

-24.09%

Banana (1kg)

$1.15 CA$1.64

$1.56 $1.56

-26.28%

Oranges (1kg)

$3.55 CA$5.06

$4.66 $4.66

-23.82%

Tomato (1kg)

$4.28 CA$6.10

$5.31 $5.31

-19.40%

Potato (1kg)

$1.85 CA$2.63

$3.43 $3.43

-46.06%

Onion (1kg)

$1.67 CA$2.38

$4.56 $4.56

-63.38%

Lettuce (1 head)

$2.22 CA$3.16

$2.33 $2.33

-4.72%

Water (1.5 liter bottle)

$1.21 CA$1.72

$1.76 $1.76

-31.25%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$9.95 $9.95

39.50%

Wine (Bottle)

$14.25 CA$20.31

$16.52 $16.52

-13.74%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$2.50 $2.50

-12.00%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$2.72 $2.72

-11.03%

One-way Ticket (Public Transport)

$2.42 CA$3.44

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$2.43 $2.43

19.34%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$1.91 $1.91

-34.03%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$25.40 $25.40

-13.27%

Gasoline (1 liter)

$1.22 CA$1.74

$1.01 $1.01

20.79%

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

$27.6K CA$39.4K

$36.0K $36.0K

-23.24%

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

$19.8K CA$28.3K

$25.1K $25.1K

-20.90%

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

$122 CA$174

$213 $213

-42.83%

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

$32.03 CA$45.66

$57.2 $57.2

-44.01%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$68.9 $68.9

-30.42%

Gym Membership (Monthly)

$38.90 CA$55.5

$55.6 $55.6

-30.01%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

$29.66 $29.66

-21.65%

Cinema Ticket

$12.61 CA$17.97

$11.98 $11.98

5.26%

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

$834 CA$1,189

$1,294 $1,294

-35.55%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$12.7K $12.7K

84.34%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$59.9 $59.9

-12.16%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$69.9 $69.9

-42.39%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$79.5 $79.5

20.99%

Men's Leather Business Shoes

$123 CA$175

$117 $117

4.91%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$1,851 $1,851

-13.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$1,427 $1,427

0.53%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$2,733 $2,733

-2.77%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$2,484 $2,484

-15.60%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$3,012 $3,012

166.68%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

$3,034 $3,034

116.12%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

$4,352 $4,352

-13.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.77

-33.97%

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

Last update for Toronto: October 4, 2026

Last update for Fort Collins, CO: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Fort Collins, CO

$1.4K 52% 0.5% $7.5

Groceries & Markets

Toronto

$340 13.1%

Fort Collins, CO

$386 14.1% 13.5% $46

Eating Out

Toronto

$282 10.9%

Fort Collins, CO

$356 13% 26.3% $74

Monthly Utilities & Internet

Toronto

$202 7.8%

Fort Collins, CO

$339 12.4% 68.1% $137

Clothing & Footwear

Toronto

$140 5.4%

Fort Collins, CO

$147 5.4% 4.6% $6.5

Getting Around

Toronto

$130 5%

Fort Collins, CO

$12 * 0.4% 90.8% $118

Sport & Entertainment

Toronto

$64 2.5%

Fort Collins, CO

$80 2.9% 24% $15

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 $1,598 in Toronto and $1,851 in Fort Collins, CO. Housing cost is often the main lever when comparing two cities.

Fort Collins, CO pays 16% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $77.0 in Toronto vs $81.0 in Fort Collins, CO for a mid-range dinner for two. Groceries echo the gap at $340 vs $386 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Fort Collins, CO

🕒 Local time

10:14 10:14 AM

08:14 8:14 AM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

148,612

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 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 October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Fort Collins, CO 2,140 km ≈ 3 h 15 min nonstop flight

From you

Toronto
Fort Collins, CO

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 Fort Collins, CO: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 9% lower than in Fort Collins, CO. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

On paper, salaries run 16% lower in Fort Collins, CO. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,598 in Toronto versus $1,851 in Fort Collins, CO. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 14% higher in Fort Collins, CO. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,530 per month in Toronto versus $2,758 in Fort Collins, CO – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Toronto delivers better value – similar infrastructure at $2,530 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Toronto hard to pass up.

Safety-wise, Toronto and Fort Collins, CO 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 Toronto gentler on the wallet – expenses run 9% less than in Fort Collins, CO. Beyond cost, consider language, visa policies, and how big the international community is in each city.