Cost of Living Comparison Between Toronto and Hammond, Ontario Cost of Living Comparison Between Toronto and Hammond, Ontario

Monthly Cost of Living

Monthly costs for one person with rent: $2,811 in Toronto versus $2,345 in Hammond, Ontario.

Estimated couple costs with rent: $4,130 in Toronto versus $3,367 in Hammond, Ontario.

Monthly costs for a family of three with rent: $5,449 in Toronto versus $4,390 in Hammond, Ontario.

Living in Toronto is roughly 20% more expensive than Hammond, Ontario, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 110% above, Hammond, Ontario 75% above.

Meal at Budget Restaurant

$18.71 CA$26.02

$16.77 CA$23.32

11.57%

Three-Course Dinner for Two, Mid-Range

$81.9 CA$114

$68.7 CA$95.5

19.19%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.06

$10.90 CA$15.15

-0.64%

Cappuccino

$3.89 CA$5.41

$3.82 CA$5.32

1.83%

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

$2.22 CA$3.09

$2.02 CA$2.81

9.90%

Water (0.33 liter bottle)

$1.65 CA$2.29

$1.70 CA$2.37

-2.94%

Local Beer (0.5 liter draught)

$6.05 CA$8.41

$5.38 CA$7.49

12.45%

Imported Beer (0.33 liter bottle)

$6.58 CA$9.15

$5.74 CA$7.98

14.63%

Milk (1 liter)

$2.73 CA$3.79

$2.21 CA$3.08

23.53%

White Bread (500g)

$2.72 CA$3.78

Rice (white) (1kg)

$3.54 CA$4.92

$3.66 CA$5.09

-3.28%

Eggs

$3.50 CA$4.87

$3.44 CA$4.79

1.74%

Local Cheese (1kg)

$13.53 CA$18.81

$11.20 CA$15.58

20.80%

Chicken Fillets (1kg)

$13.09 CA$18.20

$11.58 CA$16.11

13.04%

Beef Round Steak (1kg)

$16.96 CA$23.59

$14.58 CA$20.27

16.32%

Apples (1kg)

$4.16 CA$5.79

$3.93 CA$5.47

5.85%

Banana (1kg)

$1.18 CA$1.64

$1.36 CA$1.89

-13.24%

Oranges (1kg)

$3.25 CA$4.52

$3.69 CA$5.13

-11.92%

Tomato (1kg)

$4.12 CA$5.73

$3.67 CA$5.10

12.26%

Potato (1kg)

$2.50 CA$3.48

$2.43 CA$3.38

2.88%

Onion (1kg)

$2.88 CA$4.00

$2.55 CA$3.54

12.94%

Lettuce (1 head)

$2.35 CA$3.27

$2.64 CA$3.67

-10.98%

Water (1.5 liter bottle)

$2.00 CA$2.78

$1.78 CA$2.48

12.36%

Cigarettes 20 Pack (Marlboro, Camel)

$14.58 CA$20.28

$13.90 CA$19.34

4.89%

Wine (Bottle)

$14.18 CA$19.71

$12.63 CA$17.57

12.27%

Local Beer (0.5 liter bottle)

$2.80 CA$3.89

$2.94 CA$4.09

-4.76%

Imported Beer (0.33 liter bottle)

$3.25 CA$4.53

$3.17 CA$4.41

2.52%

One-way Ticket (Public Transport)

$2.40 CA$3.34

$2.41 CA$3.35

-0.41%

Public Transport Monthly Pass (Regular Price)

$114 CA$159

$62.4 CA$86.7

82.86%

Taxi Start (Normal Tariff)

$3.76 CA$5.22

$3.15 CA$4.38

19.37%

Taxi (Normal Tariff) (1km)

$1.41 CA$1.96

$1.47 CA$2.05

-4.08%

Taxi 1hour Waiting (Normal Tariff)

$25.53 CA$35.50

$25.57 CA$35.56

-0.16%

Gasoline (1 liter)

$1.10 CA$1.53

$1.16 CA$1.61

-5.17%

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

$25.2K CA$35.1K

$24.8K CA$34.5K

1.73%

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

$21.1K CA$29.3K

$20.5K CA$28.4K

3.02%

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

$120 CA$166

$145 CA$201

-17.41%

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

$37.54 CA$52.2

$43.94 CA$61.1

-14.57%

Internet (50+ Mbps, Unlimited Data)

$54.5 CA$75.8

$61.7 CA$85.8

-11.67%

Gym Membership (Monthly)

$55.5 CA$77.2

$42.40 CA$59.0

30.92%

Tennis Court (1 Hour on Weekend)

$21.15 CA$29.41

Cinema Ticket

$11.56 CA$16.07

$11.25 CA$15.65

2.76%

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

$1,129 CA$1,571

$748 CA$1,040

50.95%

International Primary School, 1 Child (Yearly)

$18.0K CA$25.0K

$11.7K CA$16.3K

53.36%

Jeans (Levis 501 Or Similar)

$56.9 CA$79.2

$54.6 CA$76.0

4.23%

Summer Dress (H&M, Zara, etc)

$39.96 CA$55.6

$39.05 CA$54.3

2.33%

Sport Shoes (Adidas, Nike)

$89.7 CA$125

$87.1 CA$121

2.96%

Men's Leather Business Shoes

$114 CA$159

$107 CA$149

6.47%

1-bedroom Apartment, City Center (Monthly)

$1,849 CA$2,572

$1,289 CA$1,793

43.48%

1-bedroom Apartment, Outside City Center (Monthly)

$1,560 CA$2,169

$1,198 CA$1,666

30.15%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,068

$2,008 CA$2,792

45.72%

3-bedroom Apartment, Outside City Center (Monthly)

$2,470 CA$3,435

$1,833 CA$2,549

34.79%

Buy Apartment in City Center (m2)

$9,085 CA$12.6K

$4,331 CA$6,023

109.78%

Buy Apartment Outside City Center (m2)

$7,036 CA$9,785

$3,329 CA$4,630

111.35%

Average Monthly Net Salary (After Tax)

$3,572 CA$4,967

$2,573 CA$3,579

38.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.46

-20.12%

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

Last update for Toronto: May 31, 2026

Last update for Hammond, Ontario: May 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,849 in Toronto and $1,289 in Hammond, Ontario. Housing cost is often the main lever when comparing two cities.

Toronto pays 39% 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: $82.0 in Toronto vs $69.0 in Hammond, Ontario for a mid-range dinner for two. Groceries echo the gap at $396 vs $365 per month, with Hammond, Ontario 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 Hammond, Ontario: Cost of Living - Frequently Asked Questions

Hammond, Ontario wins on cost – living expenses run 20% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Hammond, Ontario the obvious pick if budget is a priority.

Toronto pays 39% more on average, 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: $1,849 in Toronto versus $1,289 in Hammond, Ontario. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,811 per month in Toronto versus $2,345 in Hammond, Ontario – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hammond, Ontario runs roughly 83% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,345 in Hammond, Ontario versus $2,811 in Toronto, a $2,000 budget is realistic in Hammond, Ontario but tight or insufficient in Toronto. The gap between the two cities makes Hammond, Ontario 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 Hammond, Ontario 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 Hammond, Ontario gentler on the wallet – expenses run 20% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.