Cost of Living Comparison Between Toronto and Hamilton Cost of Living Comparison Between Toronto and Hamilton

Monthly Cost of Living

Monthly costs for one person with rent: $2,668 in Toronto versus $2,380 in Hamilton.

Estimated couple costs with rent: $3,801 in Toronto versus $3,404 in Hamilton.

Monthly costs for a family of three with rent: $4,934 in Toronto versus $4,429 in Hamilton.

Living in Toronto is roughly 12% more expensive than in Hamilton, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Toronto 95% above, Hamilton 74% above.

Meal at Budget Restaurant

$18.31 CA$25.62

$18.04 CA$25.23

1.50%

Three-Course Dinner for Two, Mid-Range

$80.4 CA$112

$65.8 CA$92.0

22.21%

Fast Food Meal (McDonalds, etc)

$10.61 CA$14.84

$11.30 CA$15.81

-6.11%

Cappuccino

$3.99 CA$5.59

$3.58 CA$5.00

11.45%

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

$2.16 CA$3.02

$2.22 CA$3.10

-2.70%

Water (0.33 liter bottle)

$1.76 CA$2.46

$1.69 CA$2.37

4.14%

Local Beer (0.5 liter draught)

$6.65 CA$9.30

$5.10 CA$7.14

30.39%

Imported Beer (0.33 liter bottle)

$7.20 CA$10.07

$6.17 CA$8.63

16.69%

Milk (1 liter)

$2.84 CA$3.97

$2.34 CA$3.27

21.37%

White Bread (500g)

$2.75 CA$3.85

$2.30 CA$3.22

19.57%

Rice (white) (1kg)

$2.51 CA$3.50

$2.74 CA$3.84

-8.39%

Eggs

$3.83 CA$5.35

$3.32 CA$4.65

15.36%

Local Cheese (1kg)

$10.01 CA$14.00

$7.91 CA$11.07

26.55%

Chicken Fillets (1kg)

$11.96 CA$16.73

$10.84 CA$15.16

10.33%

Beef Round Steak (1kg)

$15.63 CA$21.87

$13.94 CA$19.51

12.12%

Apples (1kg)

$3.67 CA$5.14

$3.87 CA$5.42

-5.17%

Banana (1kg)

$1.27 CA$1.78

$1.23 CA$1.72

3.25%

Oranges (1kg)

$3.87 CA$5.41

$4.31 CA$6.03

-10.21%

Tomato (1kg)

$4.23 CA$5.91

$3.84 CA$5.37

10.16%

Potato (1kg)

$1.86 CA$2.60

$2.32 CA$3.25

-19.83%

Onion (1kg)

$1.53 CA$2.15

$1.65 CA$2.30

-7.27%

Lettuce (1 head)

$2.30 CA$3.22

$2.18 CA$3.05

5.50%

Water (1.5 liter bottle)

$1.44 CA$2.01

$1.39 CA$1.95

3.60%

Cigarettes 20 Pack (Marlboro, Camel)

$14.12 CA$19.75

$12.79 CA$17.89

10.40%

Wine (Bottle)

$14.53 CA$20.33

$13.60 CA$19.03

6.84%

Local Beer (0.5 liter bottle)

$2.22 CA$3.11

$2.49 CA$3.49

-10.84%

Imported Beer (0.33 liter bottle)

$2.55 CA$3.57

$3.44 CA$4.81

-25.87%

One-way Ticket (Public Transport)

$2.47 CA$3.46

$2.63 CA$3.68

-6.08%

Public Transport Monthly Pass (Regular Price)

$113 CA$158

$86.8 CA$121

29.98%

Taxi Start (Normal Tariff)

$3.10 CA$4.34

$3.61 CA$5.06

-14.13%

Taxi (Normal Tariff) (1km)

$1.28 CA$1.78

$1.32 CA$1.85

-3.03%

Taxi 1hour Waiting (Normal Tariff)

$21.87 CA$30.60

$23.89 CA$33.42

-8.46%

Gasoline (1 liter)

$1.23 CA$1.72

$1.15 CA$1.61

6.96%

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

$27.2K CA$38.1K

$29.0K CA$40.6K

-6.23%

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

$20.3K CA$28.5K

$20.0K CA$28.0K

1.50%

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

$122 CA$171

$157 CA$219

-21.87%

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

$33.21 CA$46.46

$43.23 CA$60.5

-23.18%

Internet (50+ Mbps, Unlimited Data)

$49.37 CA$69.1

$51.5 CA$72.0

-4.04%

Gym Membership (Monthly)

$40.05 CA$56.0

$37.74 CA$52.8

6.12%

Tennis Court (1 Hour on Weekend)

$23.78 CA$33.26

$21.50 CA$30.07

10.60%

Cinema Ticket

$12.70 CA$17.76

$10.46 CA$14.63

21.41%

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

$772 CA$1,080

$615 CA$861

25.50%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.3K

$16.9K CA$23.6K

41.01%

Jeans (Levis 501 Or Similar)

$53.4 CA$74.7

$49.21 CA$68.8

8.58%

Summer Dress (H&M, Zara, etc)

$42.13 CA$58.9

$30.79 CA$43.07

36.83%

Sport Shoes (Adidas, Nike)

$99.7 CA$139

$87.6 CA$123

13.76%

Men's Leather Business Shoes

$123 CA$172

-0.17%

1-bedroom Apartment, City Center (Monthly)

$1,597 CA$2,234

$1,297 CA$1,815

23.08%

1-bedroom Apartment, Outside City Center (Monthly)

$1,439 CA$2,013

$1,212 CA$1,696

18.68%

3-bedroom Apartment, City Center (Monthly)

$2,738 CA$3,830

$2,106 CA$2,947

29.97%

3-bedroom Apartment, Outside City Center (Monthly)

$2,163 CA$3,026

$1,931 CA$2,701

12.03%

Buy Apartment in City Center (m2)

$8,246 CA$11.5K

$2,726 CA$3,813

202.52%

Buy Apartment Outside City Center (m2)

$6,695 CA$9,366

$2,722 CA$3,808

145.95%

Average Monthly Net Salary (After Tax)

$3,830 CA$5,358

$2,906 CA$4,065

31.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

4.6

-2.83%

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

Last update for Toronto: September 12, 2026

Last update for Hamilton: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,597 in Toronto and $1,297 in Hamilton. Housing cost is often the main lever when comparing two cities.

Toronto pays 32% 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: $80.0 in Toronto vs $66.0 in Hamilton for a mid-range dinner for two. Groceries echo the gap at $361 vs $336 per month, with Hamilton cheaper across the board.

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 Hamilton: Cost of Living - Frequently Asked Questions

Hamilton is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Getting Around, Sport & Entertainment. The 12% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 32% 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: $1,597 in Toronto versus $1,297 in Hamilton. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $772 in Toronto versus $615 in Hamilton. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 7% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $2,380 in Hamilton versus $2,668 in Toronto, a $2,500 budget is realistic in Hamilton but tight or insufficient in Toronto. The gap between the two cities makes Hamilton the clear choice for anyone on this budget.

For families, Hamilton is more practical. Housing and childcare are both notably cheaper than in Toronto, and the savings on those two alone free up budget for education, activities, and family trips.

Expats usually find Hamilton gentler on the wallet – expenses run 12% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.