Last update: Oct 2026

Cost of Living Comparison Between Toronto and Gyumri

For one person, living is cheaper in Gyumri: $946 a month against $2,561 in Toronto, rent and utilities included – about $19,400 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
46

Cost of Living Index in Gyumri
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Gyumri Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Gyumri

🇦🇲 Armenia

$946

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Gyumri

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

Monthly costs for one person with rent: $2,561 in Toronto versus $946 in Gyumri.

Toronto $2,561
Gyumri $946

Estimated couple costs with rent: $3,694 in Toronto versus $1,443 in Gyumri.

Toronto $3,694
Gyumri $1,443

Monthly costs for a family of three with rent: $4,826 in Toronto versus $1,940 in Gyumri.

Toronto $4,826
Gyumri $1,940

Living in Toronto is roughly 171% more expensive than in Gyumri, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Toronto is 90% above, Gyumri is 30% below.

Meal at Budget Restaurant

$17.18 CA$24.29

$10.53 ֏3,809

63.15%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$35.08 ֏12.7K

116.56%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$9.40 ֏3,403

12.13%

Cappuccino

$4.02 CA$5.68

$2.33 ֏841

72.53%

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

$2.12 CA$3.00

$0.88 ֏317

140.91%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.43 ֏154

306.98%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$1.44 ֏522

333.33%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$2.29 ֏829

209.61%

Milk (1 liter)

$2.44 CA$3.45

$1.66 ֏600

46.99%

White Bread (500g)

$2.68 CA$3.78

$0.49 ֏176

446.94%

Rice (white) (1kg)

$2.24 CA$3.17

$1.77 ֏640

26.55%

Eggs

$3.56 CA$5.03

$2.09 ֏755

70.33%

Local Cheese (1kg)

$9.09 CA$12.85

$7.79 ֏2,819

16.69%

Chicken Fillets (1kg)

$11.33 CA$16.01

$7.12 ֏2,577

59.13%

Beef Round Steak (1kg)

$14.53 CA$20.55

$10.24 ֏3,704

41.89%

Apples (1kg)

$3.62 CA$5.12

$1.27 ֏460

185.04%

Banana (1kg)

$1.21 CA$1.72

$1.48 ֏536

-18.24%

Oranges (1kg)

$3.60 CA$5.09

$1.18 ֏427

205.08%

Tomato (1kg)

$4.21 CA$5.96

$1.45 ֏524

190.34%

Potato (1kg)

$1.79 CA$2.53

$0.73 ֏263

145.21%

Onion (1kg)

$1.59 CA$2.25

$0.63 ֏228

152.38%

Lettuce (1 head)

$2.27 CA$3.21

$0.81 ֏292

180.25%

Water (1.5 liter bottle)

$1.25 CA$1.77

$0.52 ֏189

140.38%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$2.10 ֏759

558.10%

Wine (Bottle)

$14.27 CA$20.18

$9.21 ֏3,332

54.94%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.54 ֏558

42.86%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$1.93 ֏700

25.91%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.29 ֏106

724.14%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$0.29 ֏106

903.45%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.37 ֏134

224.32%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$9.59 ֏3,469

122.94%

Gasoline (1 liter)

$1.21 CA$1.71

$1.52 ֏550

-20.39%

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

$28.2K CA$39.8K

$34.7K ֏12.6M

-18.86%

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

$20.3K CA$28.6K

$34.0K ֏12.3M

-40.42%

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

$120 CA$170

$118 ֏42.7K

1.92%

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

$32.26 CA$45.60

$7.07 ֏2,558

356.29%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$14.39 ֏5,209

233.08%

Gym Membership (Monthly)

$38.48 CA$54.4

$39.72 ֏14.4K

-3.12%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$4.19 ֏1,516

195.47%

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

$830 CA$1,173

$182 ֏66.0K

355.27%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$10.1K ֏3.7M

128.33%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$33.06 ֏12.0K

53.39%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$41.08 ֏14.9K

-2.58%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$142 ֏51.4K

-30.98%

Men's Leather Business Shoes

$121 CA$171

$40.63 ֏14.7K

196.95%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$468 ֏169.4K

240.17%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$286 ֏103.4K

393.47%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$910 ֏329.3K

193.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$485 ֏175.4K

343.78%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$743 ֏268.9K

969.27%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$516 ֏186.6K

1168.39%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$489 ֏176.8K

662.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

-65.62%

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

Last update for Toronto: October 12, 2026

Last update for Gyumri: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Gyumri

$286 30.2% 79.7% $1.1K

Groceries & Markets

Toronto

$340 13.3%

Gyumri

$197 20.8% 42.1% $143

Eating Out

Toronto

$278 10.9%

Gyumri

$157 16.6% 43.4% $121

Monthly Utilities & Internet

Toronto

$201 7.8%

Gyumri

$140 14.8% 30.4% $61

Clothing & Footwear

Toronto

$139 5.4%

Gyumri

$116 12.2% 17% $24

Getting Around

Toronto

$129 5.1%

Gyumri

$3.3 * 0.4% 97.4% $126

Sport & Entertainment

Toronto

$63 2.5%

Gyumri

$48 5.1% 23.9% $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 $1,592 in Toronto and $468 in Gyumri. Housing cost is often the main lever when comparing two cities.

Toronto pays 663% 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: $76.0 in Toronto vs $35.00 in Gyumri for a mid-range dinner for two. Groceries echo the gap at $340 vs $197 per month, with Gyumri cheaper across the board.

Good to know

🇨🇦 Toronto

🇦🇲 Gyumri

🕒 Local time

23:16 11:16 PM

07:16 7:16 AM

8 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

111,138

💱 Currency

Canadian Dollar CAD $

Armenian Dram AMD ֏

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1,000 AMD = 2.76 USD

1,000 AMD = 2.46 EUR

Exchange rates and currency converter

AMD, 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).

Armenian Dram exchange rates as of October 18, 2026: 1 USD = 362 AMD (1,000 AMD = 2.76 USD). 1 EUR = 407 AMD (1,000 AMD = 2.46 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Gyumri 9,040 km ≈ 12 h nonstop flight

From you

Toronto
Gyumri

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 Gyumri: Cost of Living - Frequently Asked Questions

Gyumri is cheaper overall, especially in groceries, eating out, and clothing. The 171% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 663% 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: $1,592 in Toronto versus $468 in Gyumri. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $830 in Toronto versus $182 in Gyumri. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Gyumri – a meal for two runs $35.00 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $946 in Gyumri versus $2,561 in Toronto, a $1,500 budget is realistic in Gyumri but tight or insufficient in Toronto. The gap between the two cities makes Gyumri 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.

Safety-wise, Toronto and Gyumri are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Gyumri gentler on the wallet – expenses run 171% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.