Last update: Oct 2026

Cost of Living Comparison Between Toronto and Fort Walton Beach, FL

For one person, living is cheaper in Fort Walton Beach, FL: $2,162 a month against $2,561 in Toronto, rent and utilities included – about $4,800 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
105

Cost of Living Index in Fort Walton Beach, FL
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Fort Walton Beach, FL Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Fort Walton Beach, FL

🇺🇸 United States

$2,162

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Fort Walton Beach, FL

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 Walton Beach, FL actually costs, broken down by who's living it.

A single person spends $2,561 per month in Toronto vs $2,162 in Fort Walton Beach, FL, rent included.

Toronto $2,561
Fort Walton Beach, FL $2,162

A couple spends around $3,694 per month in Toronto vs $3,344 in Fort Walton Beach, FL, rent included.

Toronto $3,694
Fort Walton Beach, FL $3,344

A family of three spends $4,826 per month in Toronto vs $4,526 in Fort Walton Beach, FL, rent included.

Toronto $4,826
Fort Walton Beach, FL $4,526

Toronto costs about 18% more than Fort Walton Beach, FL, and outside of rent the biggest gap is in transport.

Both Toronto and Fort Walton Beach, FL sit above the global median – Toronto by 90%, Fort Walton Beach, FL by 60%.

Meal at Budget Restaurant

$17.18 CA$24.29

$14.82 $14.82

15.92%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$80.0 $80.0

-5.01%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$10.38 $10.38

1.54%

Cappuccino

$4.02 CA$5.68

$4.92 $4.92

-18.29%

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

$2.12 CA$3.00

$2.62 $2.62

-19.08%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.03 $2.03

-13.79%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$4.89 $4.89

27.61%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$7.05 $7.05

0.57%

Milk (1 liter)

$2.44 CA$3.45

$1.03 $1.03

136.89%

White Bread (500g)

$2.68 CA$3.78

$2.86 $2.86

-6.29%

Rice (white) (1kg)

$2.24 CA$3.17

$2.02 $2.02

10.89%

Eggs

$3.56 CA$5.03

$3.02 $3.02

17.88%

Local Cheese (1kg)

$9.09 CA$12.85

$11.40 $11.40

-20.26%

Chicken Fillets (1kg)

$11.33 CA$16.01

$9.88 $9.88

14.68%

Beef Round Steak (1kg)

$14.53 CA$20.55

$14.01 $14.01

3.71%

Apples (1kg)

$3.62 CA$5.12

$3.55 $3.55

1.97%

Banana (1kg)

$1.21 CA$1.72

$1.57 $1.57

-22.93%

Oranges (1kg)

$3.60 CA$5.09

$3.24 $3.24

11.11%

Tomato (1kg)

$4.21 CA$5.96

$2.87 $2.87

46.69%

Potato (1kg)

$1.79 CA$2.53

$1.43 $1.43

25.17%

Onion (1kg)

$1.59 CA$2.25

$2.05 $2.05

-22.44%

Lettuce (1 head)

$2.27 CA$3.21

$1.75 $1.75

29.71%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.51 $1.51

-17.22%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$9.20 $9.20

50.22%

Wine (Bottle)

$14.27 CA$20.18

$8.75 $8.75

63.09%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.85 $1.85

18.92%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.03 $2.03

19.70%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$2.03 $2.03

17.73%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$49.66 $49.66

123.38%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$6.14 $6.14

-52.61%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.82 $1.82

-34.07%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$45.52 $45.52

-53.03%

Gasoline (1 liter)

$1.21 CA$1.71

$0.95 $0.95

27.37%

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

$28.2K CA$39.8K

$26.6K $26.6K

5.91%

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

$20.3K CA$28.6K

$25.2K $25.2K

-19.71%

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

$120 CA$170

$171 $171

-29.70%

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

$32.26 CA$45.60

$49.37 $49.37

-34.66%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$64.5 $64.5

-25.67%

Gym Membership (Monthly)

$38.48 CA$54.4

$46.91 $46.91

-17.97%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$13.39 $13.39

-7.54%

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

$830 CA$1,173

$826 $826

0.51%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$13.5K $13.5K

70.63%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$30.36 $30.36

67.03%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$19.91 $19.91

101.00%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$95.8 $95.8

2.23%

Men's Leather Business Shoes

$121 CA$171

$105 $105

14.77%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,643 $1,643

-3.12%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,048 $1,048

34.56%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,842 $2,842

-6.07%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$2,008 $2,008

7.16%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$4,773 $4,773

66.47%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$5,105 $5,105

28.15%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,269 $3,269

14.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.42

-30.37%

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

Last update for Toronto: October 12, 2026

Last update for Fort Walton Beach, FL: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Fort Walton Beach, FL

$1K 48.5% 25.7% $362

Groceries & Markets

Toronto

$340 13.3%

Fort Walton Beach, FL

$304 14% 10.7% $36

Eating Out

Toronto

$278 10.9%

Fort Walton Beach, FL

$266 12.3% 4.4% $12

Monthly Utilities & Internet

Toronto

$201 7.8%

Fort Walton Beach, FL

$285 13.2% 42.1% $85

Clothing & Footwear

Toronto

$139 5.4%

Fort Walton Beach, FL

$113 5.2% 18.8% $26

Getting Around

Toronto

$129 5.1%

Fort Walton Beach, FL

$73 3.4% 43.6% $56

Sport & Entertainment

Toronto

$63 2.5%

Fort Walton Beach, FL

$74 3.4% 16.5% $10

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $1,643 in Fort Walton Beach, FL. 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 14% 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 $76.0 in Toronto versus $80.0 in Fort Walton Beach, FL. Groceries tell a different story – $340 in Toronto vs $304 in Fort Walton Beach, FL – so Fort Walton Beach, FL wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Fort Walton Beach, FL

🕒 Local time

16:29 4:29 PM

15:29 3:29 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

19,507

💱 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 18, 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 18, 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 Fort Walton Beach, FL 1,610 km ≈ 2 h 30 min nonstop flight

From you

Toronto
Fort Walton Beach, FL

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 Walton Beach, FL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,561 in Toronto, $2,162 in Fort Walton Beach, FL – roughly 18% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,841 per month in Toronto and $3,244 in Fort Walton Beach, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 12% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $76.0 in Toronto and $80.0 in Fort Walton Beach, FL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$3,000 is a stretch for both – monthly costs hit $2,561 in Toronto and $2,162 in Fort Walton Beach, FL. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Fort Walton Beach, FL – 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 Fort Walton Beach, FL. 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.