Last update: Oct 2026

Cost of Living Comparison Between Toronto and Francisco Morato

For one person, living is cheaper in Francisco Morato: $909 a month against $2,610 in Toronto, rent and utilities included – about $20,400 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Toronto
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Toronto Living Index
44

Cost of Living Index in Francisco Morato
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Francisco Morato Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Francisco Morato

🇧🇷 Brazil

$909

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Francisco Morato

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

Monthly costs for one person with rent: $2,610 in Toronto versus $909 in Francisco Morato.

Toronto $2,610
Francisco Morato $909

Estimated couple costs with rent: $3,727 in Toronto versus $1,497 in Francisco Morato.

Toronto $3,727
Francisco Morato $1,497

Monthly costs for a family of three with rent: $4,844 in Toronto versus $2,084 in Francisco Morato.

Toronto $4,844
Francisco Morato $2,084

Living in Toronto is roughly 187% more expensive than in Francisco Morato, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Toronto is 93% above, Francisco Morato is 33% below.

Meal at Budget Restaurant

$17.59 CA$24.87

$7.11 R$36.02

147.40%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$39.40 R$200

100.05%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$9.12 R$46.25

17.65%

Cappuccino

$4.09 CA$5.78

$2.17 R$10.98

88.48%

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

$2.10 CA$2.97

$1.65 R$8.37

27.27%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.15 R$5.83

49.57%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$2.80 R$14.18

127.14%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$4.32 R$21.89

63.89%

Milk (1 liter)

$2.54 CA$3.59

$1.20 R$6.10

111.67%

White Bread (500g)

$2.72 CA$3.85

$2.02 R$10.26

34.65%

Rice (white) (1kg)

$2.18 CA$3.09

$1.14 R$5.78

91.23%

Eggs

$3.63 CA$5.13

$2.68 R$13.60

35.45%

Local Cheese (1kg)

$9.46 CA$13.37

$9.05 R$45.88

4.53%

Chicken Fillets (1kg)

$11.54 CA$16.32

$4.32 R$21.90

167.13%

Beef Round Steak (1kg)

$14.37 CA$20.32

$10.66 R$54.1

34.80%

Apples (1kg)

$3.70 CA$5.23

$2.85 R$14.45

29.82%

Banana (1kg)

$1.19 CA$1.68

$1.82 R$9.25

-34.62%

Oranges (1kg)

$3.46 CA$4.90

$1.78 R$9.02

94.38%

Tomato (1kg)

$4.22 CA$5.97

$1.82 R$9.22

131.87%

Potato (1kg)

$1.79 CA$2.52

$1.42 R$7.22

26.06%

Onion (1kg)

$1.65 CA$2.33

$1.37 R$6.92

20.44%

Lettuce (1 head)

$2.20 CA$3.11

$0.97 R$4.93

126.80%

Water (1.5 liter bottle)

$1.26 CA$1.78

$0.79 R$3.99

59.49%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$2.79 R$14.15

400.72%

Wine (Bottle)

$14.20 CA$20.07

$8.89 R$45.05

59.73%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.64 R$8.32

37.20%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.11 R$10.70

19.91%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.03 R$5.22

125.24%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$45.27 R$229

146.63%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$1.31 R$6.67

133.59%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.42 R$7.19

-14.08%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$9.62 R$48.77

125.47%

Gasoline (1 liter)

$1.21 CA$1.72

$1.29 R$6.56

-6.20%

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

$26.1K CA$37.0K

$23.3K R$118.3K

11.96%

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

$21.1K CA$29.9K

$34.5K R$174.9K

-38.76%

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

$120 CA$169

$43.25 R$219

176.58%

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

$32.21 CA$45.54

$14.17 R$71.8

127.31%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$17.99 R$91.2

171.71%

Gym Membership (Monthly)

$39.34 CA$55.6

$28.56 R$145

37.75%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$29.94 R$152

-21.24%

Cinema Ticket

$12.58 CA$17.79

$8.02 R$40.68

56.86%

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

$832 CA$1,176

$427 R$2,166

94.74%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$7,460 R$37.8K

216.49%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$55.5 R$282

-5.87%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$58.0 R$294

-32.05%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$94.1 R$477

5.16%

Men's Leather Business Shoes

$122 CA$172

$84.5 R$428

44.27%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$363 R$1,841

349.25%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$236 R$1,196

514.08%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$666 R$3,379

310.66%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$476 R$2,414

347.11%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$1,626 R$8,241

404.80%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$1,235 R$6,259

453.79%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

11.12

-59.80%

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

Last update for Toronto: October 18, 2026

Last update for Francisco Morato: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Francisco Morato

$236 25.9% 83.7% $1.2K

Groceries & Markets

Toronto

$343 13.1%

Francisco Morato

$220 24.2% 35.8% $123

Eating Out

Toronto

$283 10.9%

Francisco Morato

$144 15.8% 49.1% $139

Monthly Utilities & Internet

Toronto

$201 7.7%

Francisco Morato

$75 8.3% 62.4% $125

Clothing & Footwear

Toronto

$141 5.4%

Francisco Morato

$132 14.5% 6.5% $9.2

Getting Around

Toronto

$130 5%

Francisco Morato

$58 6.4% 55.6% $72

Sport & Entertainment

Toronto

$65 2.5%

Francisco Morato

$45 4.9% 30.8% $20

Cost Breakdown

A one-bedroom apartment in the center runs $1,631 in Toronto and $363 in Francisco Morato. Housing cost is often the main lever when comparing two cities.

Dining out: $79.0 in Toronto vs $39.00 in Francisco Morato for a mid-range dinner for two. Groceries echo the gap at $343 vs $220 per month, with Francisco Morato cheaper across the board.

Good to know

🇨🇦 Toronto

🇧🇷 Francisco Morato

🕒 Local time

05:29 5:29 AM

06:29 6:29 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

165,139

💱 Currency

Canadian Dollar CAD $

Brazilian Real BRL R$

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 BRL = 0.197 USD

1 BRL = 0.175 EUR

Exchange rates and currency converter

BRL, 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).

Brazilian Real exchange rates as of October 22, 2026: 1 USD = 5.07 BRL (1 BRL = 0.197 USD). 1 EUR = 5.7 BRL (1 BRL = 0.175 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Francisco Morato 8,150 km ≈ 11 h nonstop flight

From you

Toronto
Francisco Morato

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 Francisco Morato: Cost of Living - Frequently Asked Questions

Francisco Morato is cheaper overall, especially in groceries, eating out, and clothing. The 187% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,916 in Toronto and $1,364 in Francisco Morato 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: $1,631 in Toronto versus $363 in Francisco Morato. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Francisco Morato – a meal for two runs $39.00 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,610 per month in Toronto versus $909 in Francisco Morato – a 187% gap that adds up to real savings over time for anyone picking the cheaper option.

At $909 in Francisco Morato versus $2,610 in Toronto, a $1,500 budget is realistic in Francisco Morato but tight or insufficient in Toronto. The gap between the two cities makes Francisco Morato the clear choice for anyone on this budget.

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.

Expats usually find Francisco Morato gentler on the wallet – expenses run 187% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.