Last update: Nov 2026

Cost of Living Comparison Between Toronto and Guaynabo

For one person, living is cheaper in Guaynabo: $1,857 a month against $2,599 in Toronto, rent and utilities included – about $8,900 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
89

Cost of Living Index in Guaynabo
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Guaynabo Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Guaynabo

🇵🇷 Puerto Rico

$1,857

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Guaynabo

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

A single person spends $2,599 per month in Toronto vs $1,857 in Guaynabo, rent included.

Toronto $2,599
Guaynabo $1,857

A couple spends around $3,700 per month in Toronto vs $2,934 in Guaynabo, rent included.

Toronto $3,700
Guaynabo $2,934

A family of three spends $4,801 per month in Toronto vs $4,011 in Guaynabo, rent included.

Toronto $4,801
Guaynabo $4,011

Toronto costs about 40% more than Guaynabo, and outside of rent the biggest gap is in transport.

Both Toronto and Guaynabo sit above the global median – Toronto by 92%, Guaynabo by 37%.

Meal at Budget Restaurant

$17.98 CA$25.09

$18.91 $18.91

-4.92%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$79.1 $79.1

-8.61%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.11

$9.02 $9.02

20.07%

Cappuccino

$4.34 CA$6.06

$1.80 $1.80

141.11%

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

$2.16 CA$3.01

$1.34 $1.34

61.19%

Water (0.33 liter bottle)

$1.66 CA$2.31

$1.22 $1.22

36.07%

Local Beer (0.5 liter draught)

$6.35 CA$8.86

$1.96 $1.96

223.98%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.25

$3.97 $3.97

84.89%

Milk (1 liter)

$2.57 CA$3.59

$2.22 $2.22

15.77%

White Bread (500g)

$2.71 CA$3.78

$3.27 $3.27

-17.13%

Rice (white) (1kg)

$2.28 CA$3.18

$2.32 $2.32

-1.72%

Eggs

$3.60 CA$5.03

$6.15 $6.15

-41.46%

Local Cheese (1kg)

$8.94 CA$12.48

$12.38 $12.38

-27.79%

Chicken Fillets (1kg)

$11.19 CA$15.62

$9.66 $9.66

15.84%

Beef Round Steak (1kg)

$15.23 CA$21.25

$13.29 $13.29

14.60%

Apples (1kg)

$3.74 CA$5.23

$5.18 $5.18

-27.80%

Banana (1kg)

$1.23 CA$1.71

$2.51 $2.51

-51.00%

Oranges (1kg)

$3.58 CA$5.00

$4.81 $4.81

-25.57%

Tomato (1kg)

$4.25 CA$5.93

$4.67 $4.67

-8.99%

Potato (1kg)

$1.94 CA$2.71

$2.60 $2.60

-25.38%

Onion (1kg)

$1.67 CA$2.33

$2.03 $2.03

-17.73%

Lettuce (1 head)

$2.30 CA$3.21

$1.52 $1.52

51.32%

Water (1.5 liter bottle)

$1.26 CA$1.76

$1.61 $1.61

-21.74%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.81

$11.17 $11.17

27.04%

Wine (Bottle)

$14.25 CA$19.89

$15.69 $15.69

-9.18%

Local Beer (0.5 liter bottle)

$2.28 CA$3.18

$2.83 $2.83

-19.43%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.61

$2.91 $2.91

-11.34%

One-way Ticket (Public Transport)

$2.35 CA$3.29

Public Transport Monthly Pass (Regular Price)

$111 CA$155

Taxi Start (Normal Tariff)

$3.01 CA$4.21

$2.47 $2.47

21.86%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.54 $1.54

-20.78%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.47

$42.38 $42.38

-48.51%

Gasoline (1 liter)

$1.23 CA$1.72

$1.02 $1.02

20.59%

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

$27.0K CA$37.6K

$34.3K $34.3K

-21.45%

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

$21.8K CA$30.5K

$27.4K $27.4K

-20.26%

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

$121 CA$169

$319 $319

-62.15%

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

$33.10 CA$46.21

$49.62 $49.62

-33.29%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.5

$69.1 $69.1

-28.98%

Gym Membership (Monthly)

$36.65 CA$51.2

Tennis Court (1 Hour on Weekend)

$25.01 CA$34.91

Cinema Ticket

$12.78 CA$17.84

$10.30 $10.30

24.08%

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

$754 CA$1,053

$817 $817

-7.69%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.0K

$12.4K $12.4K

171.24%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.3

$57.3 $57.3

-12.01%

Summer Dress (H&M, Zara, etc)

$41.43 CA$57.8

$50.1 $50.1

-17.35%

Sport Shoes (Adidas, Nike)

$101 CA$141

$99.1 $99.1

2.12%

Men's Leather Business Shoes

$130 CA$182

$114 $114

14.52%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,219

$892 $892

78.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,988

$630 $630

125.95%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,687

$2,530 $2,530

4.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,918

$1,379 $1,379

51.57%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,620

Average Monthly Net Salary (After Tax)

$3,623 CA$5,057

$3,467 $3,467

4.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.55

-32.06%

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

Last update for Toronto: November 2, 2026

Last update for Guaynabo: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Guaynabo

$630 33.9% 55.7% $794

Groceries & Markets

Toronto

$345 13.3%

Guaynabo

$386 20.8% 12% $41

Eating Out

Toronto

$290 11.2%

Guaynabo

$228 12.3% 21.4% $62

Monthly Utilities & Internet

Toronto

$203 7.8%

Guaynabo

$438 23.6% 116% $235

Clothing & Footwear

Toronto

$145 5.6%

Guaynabo

$144 7.8% 0.9% $1.4

Getting Around

Toronto

$130 5%

Guaynabo

$10 * 0.6% 92.2% $119

Sport & Entertainment

Toronto

$62 2.4%

Guaynabo

$21 * 1.1% 66.9% $42

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $892 in Guaynabo. 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 5% 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 $72 in Toronto versus $79 in Guaynabo. Monthly groceries follow the same trend: $345 vs $386 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇵🇷 Guaynabo

🕒 Local time

20:42 8:42 PM

21:42 9:42 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

68,491

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.638 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.57 CAD (1 CAD = 0.638 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Guaynabo 3,070 km ≈ 4 h 15 min nonstop flight

From you

Toronto
Guaynabo

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 Guaynabo: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,599 in Toronto, $1,857 in Guaynabo – Guaynabo comes out roughly 29% cheaper. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,899 per month in Toronto and $2,786 in Guaynabo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Guaynabo, especially for central apartments: a one-bedroom in the center costs $892 there versus $1,590 in Toronto.

A mid-range dinner for two costs $72 in Toronto and $79 in Guaynabo. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 11% cheaper in Toronto – one category where the pricier city actually offers better value.

$3,000 covers both cities comfortably – all-in costs are $2,599 in Toronto and $1,857 in Guaynabo, leaving budget for savings and extras in both cases.

It depends on your priorities. Guaynabo has an edge in some lifestyle areas, with costs from $1,857 in Guaynabo to $2,599 in Toronto. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Guaynabo. If higher salaries or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.