Last update: Oct 2026

Cost of Living Comparison Between Toronto and Garland, TX

For one person, living costs are similar in Toronto and in Garland, TX: $2,530 and $2,590 a month, rent and utilities included.

125

Cost of Living Index in Toronto
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Toronto Living Index
127

Cost of Living Index in Garland, TX
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Garland, TX Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Garland, TX

🇺🇸 United States

$2,590

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Garland, TX

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 Garland, TX actually costs, broken down by who's living it.

A single person spends $2,530 per month in Toronto vs $2,590 in Garland, TX, rent included.

Toronto $2,530
Garland, TX $2,590

A couple spends around $3,646 per month in Toronto vs $3,751 in Garland, TX, rent included.

Toronto $3,646
Garland, TX $3,751

A family of three spends $4,761 per month in Toronto vs $4,912 in Garland, TX, rent included.

Toronto $4,761
Garland, TX $4,912

Toronto is about 2% cheaper than Garland, TX, and outside of rent the biggest gap is in utilities.

Both Toronto and Garland, TX sit above the global median – Toronto by 89%, Garland, TX by 93%.

Meal at Budget Restaurant

$17.67 CA$25.19

$19.79 $19.79

-10.71%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$54.4 $54.4

42.29%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$10.02 $10.02

4.49%

Cappuccino

$4.08 CA$5.81

$5.68 $5.68

-28.17%

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

$2.12 CA$3.02

$2.62 $2.62

-19.08%

Water (0.33 liter bottle)

$1.76 CA$2.51

$2.33 $2.33

-24.46%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$5.53 $5.53

11.57%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$7.40 $7.40

-6.89%

Milk (1 liter)

$2.43 CA$3.46

$0.92 $0.92

164.13%

White Bread (500g)

$2.75 CA$3.92

$3.80 $3.80

-27.63%

Rice (white) (1kg)

$2.23 CA$3.18

$5.32 $5.32

-58.08%

Eggs

$3.45 CA$4.91

$4.53 $4.53

-23.84%

Local Cheese (1kg)

$8.93 CA$12.73

$7.87 $7.87

13.47%

Chicken Fillets (1kg)

$11.44 CA$16.31

$11.68 $11.68

-2.05%

Beef Round Steak (1kg)

$14.61 CA$20.83

$19.34 $19.34

-24.46%

Apples (1kg)

$3.75 CA$5.34

$5.31 $5.31

-29.38%

Banana (1kg)

$1.15 CA$1.64

$1.24 $1.24

-7.26%

Oranges (1kg)

$3.55 CA$5.06

$5.23 $5.23

-32.12%

Tomato (1kg)

$4.28 CA$6.10

$4.40 $4.40

-2.73%

Potato (1kg)

$1.85 CA$2.63

$2.07 $2.07

-10.63%

Onion (1kg)

$1.67 CA$2.38

$2.08 $2.08

-19.71%

Lettuce (1 head)

$2.22 CA$3.16

$2.13 $2.13

4.23%

Water (1.5 liter bottle)

$1.21 CA$1.72

$1.45 $1.45

-16.55%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$9.64 $9.64

43.98%

Wine (Bottle)

$14.25 CA$20.31

$10.90 $10.90

30.73%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$2.02 $2.02

8.91%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$3.26 $3.26

-25.77%

One-way Ticket (Public Transport)

$2.42 CA$3.44

$2.95 $2.95

-17.97%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$96.7 $96.7

14.52%

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$2.98 $2.98

-2.68%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$1.72 $1.72

-26.74%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$24.18 $24.18

-8.89%

Gasoline (1 liter)

$1.22 CA$1.74

$0.97 $0.97

25.77%

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

$27.6K CA$39.4K

$36.4K $36.4K

-24.16%

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

$19.8K CA$28.3K

$26.0K $26.0K

-23.85%

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

$122 CA$174

$202 $202

-39.81%

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

$32.03 CA$45.66

$54.2 $54.2

-40.87%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$80.7 $80.7

-40.63%

Gym Membership (Monthly)

$38.90 CA$55.5

$39.85 $39.85

-2.38%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

$16.24 $16.24

43.10%

Cinema Ticket

$12.61 CA$17.97

$15.13 $15.13

-16.66%

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

$834 CA$1,189

$1,341 $1,341

-37.81%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$28.6K $28.6K

-18.53%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$60.2 $60.2

-12.58%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$29.52 $29.52

36.38%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$84.7 $84.7

13.64%

Men's Leather Business Shoes

$123 CA$175

$120 $120

2.35%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$1,518 $1,518

5.30%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$1,276 $1,276

12.44%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$2,344 $2,344

13.33%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$2,077 $2,077

0.92%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$3,256 $3,256

146.70%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

$1,953 $1,953

235.70%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

$3,710 $3,710

0.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.62

-32.48%

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

Last update for Toronto: October 4, 2026

Last update for Garland, TX: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Garland, TX

$1.3K 48.5% 11.1% $159

Groceries & Markets

Toronto

$340 13.1%

Garland, TX

$378 14.4% 11.2% $38

Eating Out

Toronto

$282 10.9%

Garland, TX

$319 12.1% 13.1% $37

Monthly Utilities & Internet

Toronto

$202 7.8%

Garland, TX

$337 12.8% 67.2% $136

Clothing & Footwear

Toronto

$140 5.4%

Garland, TX

$133 5% 5.6% $7.9

Getting Around

Toronto

$130 5%

Garland, TX

$120 4.6% 7.4% $9.5

Sport & Entertainment

Toronto

$64 2.5%

Garland, TX

$70 2.7% 9.4% $6

Cost Breakdown

A central one-bedroom costs $1,598 in Toronto versus $1,518 in Garland, TX. 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 1% higher in Toronto, 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 $77.0 in Toronto versus $54.0 in Garland, TX. Groceries tell a different story – $340 in Toronto vs $378 in Garland, TX – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Garland, TX

🕒 Local time

22:48 10:48 PM

21:48 9:48 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

242,035

💱 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 11, 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 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Garland, TX 1,920 km ≈ 3 h nonstop flight

From you

Toronto
Garland, TX

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 Garland, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,530 in Toronto, $2,590 in Garland, TX – roughly 2% apart. Outside of rent, the biggest gap is in utilities.

For a comfortable life, plan on about $3,795 per month in Toronto and $3,885 in Garland, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $834 per month in Toronto and $1,341 in Garland, TX. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 11% more in Garland, TX, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,500 is a stretch for both – monthly costs hit $2,530 in Toronto and $2,590 in Garland, TX. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – 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 Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, Garland, TX makes more sense. Both are solid long-term options with distinct trade-offs.