Last update: Oct 2026

Cost of Living Comparison Between Toronto and Gallup, NM

For one person, living is cheaper in Gallup, NM: $2,056 a month against $2,610 in Toronto, rent and utilities included – about $6,600 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
99

Cost of Living Index in Gallup, NM
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Gallup, NM Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Gallup, NM

🇺🇸 United States

$2,056

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Gallup, NM

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

Monthly costs for one person with rent: $2,610 in Toronto versus $2,056 in Gallup, NM.

Toronto $2,610
Gallup, NM $2,056

Estimated couple costs with rent: $3,727 in Toronto versus $3,041 in Gallup, NM.

Toronto $3,727
Gallup, NM $3,041

Monthly costs for a family of three with rent: $4,844 in Toronto versus $4,027 in Gallup, NM.

Toronto $4,844
Gallup, NM $4,027

Living in Toronto is roughly 27% more expensive than in Gallup, NM, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 93% above, Gallup, NM 52% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$17.33 $17.33

1.50%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$78.8 $78.8

0.06%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$11.90 $11.90

-9.83%

Cappuccino

$4.09 CA$5.78

$5.50 $5.50

-25.64%

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

$2.10 CA$2.97

$2.88 $2.88

-27.08%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.39 $2.39

-28.03%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$6.21 $6.21

2.42%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$6.96 $6.96

1.72%

Milk (1 liter)

$2.54 CA$3.59

$1.16 $1.16

118.97%

White Bread (500g)

$2.72 CA$3.85

$4.24 $4.24

-35.85%

Rice (white) (1kg)

$2.18 CA$3.09

$5.65 $5.65

-61.42%

Eggs

$3.63 CA$5.13

$4.24 $4.24

-14.39%

Local Cheese (1kg)

$9.46 CA$13.37

$16.43 $16.43

-42.42%

Chicken Fillets (1kg)

$11.54 CA$16.32

$20.86 $20.86

-44.68%

Beef Round Steak (1kg)

$14.37 CA$20.32

$16.68 $16.68

-13.85%

Apples (1kg)

$3.70 CA$5.23

$6.12 $6.12

-39.54%

Banana (1kg)

$1.19 CA$1.68

$1.33 $1.33

-10.53%

Oranges (1kg)

$3.46 CA$4.90

$3.85 $3.85

-10.13%

Tomato (1kg)

$4.22 CA$5.97

$4.79 $4.79

-11.90%

Potato (1kg)

$1.79 CA$2.52

$2.84 $2.84

-36.97%

Onion (1kg)

$1.65 CA$2.33

$2.07 $2.07

-20.29%

Lettuce (1 head)

$2.20 CA$3.11

$1.52 $1.52

44.74%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.43 $2.43

-48.15%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$10.92 $10.92

27.93%

Wine (Bottle)

$14.20 CA$20.07

$9.88 $9.88

43.72%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.06 $2.06

9.22%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$4.22 $4.22

-40.05%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.84 $1.84

26.09%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$2.96 $2.96

3.38%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.48 $1.48

-17.57%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$27.71 $27.71

-21.73%

Gasoline (1 liter)

$1.21 CA$1.72

$0.99 $0.99

22.22%

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

$26.1K CA$37.0K

$26.3K $26.3K

-0.73%

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

$21.1K CA$29.9K

$25.8K $25.8K

-18.15%

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

$120 CA$169

$199 $199

-39.77%

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

$32.21 CA$45.54

$45.36 $45.36

-28.99%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$50.0 $50.0

-2.28%

Gym Membership (Monthly)

$39.34 CA$55.6

$44.31 $44.31

-11.22%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$17.67 $17.67

-28.81%

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

$832 CA$1,176

$1,010 $1,010

-17.61%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$15.3K $15.3K

54.26%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$37.53 $37.53

39.30%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$56.1 $56.1

-29.63%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$78.7 $78.7

25.86%

Men's Leather Business Shoes

$122 CA$172

$122 $122

0.16%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$909 $909

79.56%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$765 $765

89.38%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$1,387 $1,387

97.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,123 $1,123

89.64%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,818 $2,818

191.17%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,439 $2,439

180.34%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$2,353 $2,353

49.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

-10.60%

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

Last update for Toronto: October 18, 2026

Last update for Gallup, NM: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Gallup, NM

$765 37.2% 47.2% $684

Groceries & Markets

Toronto

$343 13.1%

Gallup, NM

$461 22.4% 34.6% $119

Eating Out

Toronto

$283 10.9%

Gallup, NM

$306 14.9% 8.2% $23

Monthly Utilities & Internet

Toronto

$201 7.7%

Gallup, NM

$294 14.3% 46.5% $93

Clothing & Footwear

Toronto

$141 5.4%

Gallup, NM

$132 6.4% 6% $8.4

Getting Around

Toronto

$130 5%

Gallup, NM

$18 * 0.9% 86.4% $112

Sport & Entertainment

Toronto

$65 2.5%

Gallup, NM

$80 3.9% 23.5% $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 $1,631 in Toronto and $909 in Gallup, NM. Housing cost is often the main lever when comparing two cities.

Toronto pays 50% 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: $79.0 in Toronto vs $79.0 in Gallup, NM for a mid-range dinner for two. Groceries echo the gap at $343 vs $461 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Gallup, NM

🕒 Local time

01:52 1:52 AM

23:52 11:52 PM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

21,605

💱 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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Highest

Between locations

Toronto Gallup, NM 2,660 km ≈ 3 h 45 min nonstop flight

From you

Toronto
Gallup, NM

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 Gallup, NM: Cost of Living - Frequently Asked Questions

Gallup, NM is cheaper overall, especially in clothing and transport. The 27% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 50% higher in Toronto, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,631 in Toronto versus $909 in Gallup, NM. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $832 in Toronto versus $1,010 in Gallup, NM. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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

At $2,056 in Gallup, NM versus $2,610 in Toronto, a $2,500 budget is realistic in Gallup, NM but tight or insufficient in Toronto. The gap between the two cities makes Gallup, NM 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 Gallup, NM gentler on the wallet – expenses run 27% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.