Last update: Nov 2026

Cost of Living Comparison Between Toronto and Hammond, Ontario

For one person, living is cheaper in Hammond, Ontario: $2,275 a month against $2,599 in Toronto, rent and utilities included – about $3,900 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
108

Cost of Living Index in Hammond, Ontario
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Hammond, Ontario Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Hammond, Ontario

🇨🇦 Canada

$2,275

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Hammond, Ontario

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

Monthly costs for one person with rent: $2,599 in Toronto versus $2,275 in Hammond, Ontario.

Toronto $2,599
Hammond, Ontario $2,275

Estimated couple costs with rent: $3,700 in Toronto versus $3,240 in Hammond, Ontario.

Toronto $3,700
Hammond, Ontario $3,240

Monthly costs for a family of three with rent: $4,801 in Toronto versus $4,205 in Hammond, Ontario.

Toronto $4,801
Hammond, Ontario $4,205

Living in Toronto is roughly 14% more expensive than in Hammond, Ontario, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 92% above, Hammond, Ontario 68% above.

Meal at Budget Restaurant

$17.98 CA$25.20

$17.77 CA$24.90

1.18%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$63.8 CA$89.4

13.28%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$10.56 CA$14.80

2.56%

Cappuccino

$4.34 CA$6.09

$3.67 CA$5.15

18.26%

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

$2.16 CA$3.03

$2.00 CA$2.80

8.00%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.63 CA$2.29

1.84%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$5.06 CA$7.09

25.49%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$5.75 CA$8.06

27.65%

Milk (1 liter)

$2.57 CA$3.60

$2.13 CA$2.99

20.66%

White Bread (500g)

$2.71 CA$3.79

$2.51 CA$3.52

7.97%

Rice (white) (1kg)

$2.28 CA$3.19

$3.51 CA$4.91

-35.04%

Eggs

$3.60 CA$5.05

$3.39 CA$4.75

6.19%

Local Cheese (1kg)

$8.94 CA$12.54

$10.19 CA$14.28

-12.27%

Chicken Fillets (1kg)

$11.19 CA$15.69

$11.35 CA$15.91

-1.41%

Beef Round Steak (1kg)

$15.23 CA$21.34

$14.83 CA$20.79

2.70%

Apples (1kg)

$3.74 CA$5.25

$3.78 CA$5.30

-1.06%

Banana (1kg)

$1.23 CA$1.72

$1.30 CA$1.82

-5.38%

Oranges (1kg)

$3.58 CA$5.02

$3.57 CA$5.00

0.28%

Tomato (1kg)

$4.25 CA$5.96

$3.93 CA$5.51

8.14%

Potato (1kg)

$1.94 CA$2.72

$2.42 CA$3.39

-19.83%

Onion (1kg)

$1.67 CA$2.34

$2.20 CA$3.09

-24.09%

Lettuce (1 head)

$2.30 CA$3.22

$2.36 CA$3.31

-2.54%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.65 CA$2.32

-23.64%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$14.51 CA$20.35

-2.21%

Wine (Bottle)

$14.25 CA$19.97

$12.65 CA$17.73

12.65%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$2.77 CA$3.89

-17.69%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$3.03 CA$4.24

-14.85%

One-way Ticket (Public Transport)

$2.35 CA$3.30

$2.30 CA$3.23

2.17%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$63.2 CA$88.6

75.60%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$2.89 CA$4.05

4.15%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.45 CA$2.03

-15.86%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

$23.49 CA$32.92

-7.11%

Gasoline (1 liter)

$1.23 CA$1.73

$1.23 CA$1.72

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

$27.0K CA$37.8K

$27.5K CA$38.5K

-1.85%

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

$21.8K CA$30.6K

$21.7K CA$30.4K

0.72%

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

$121 CA$169

$135 CA$189

-10.25%

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

$33.10 CA$46.40

$39.18 CA$54.9

-15.52%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$54.8 CA$76.8

-10.39%

Gym Membership (Monthly)

$36.65 CA$51.4

$37.30 CA$52.3

-1.74%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

$18.04 CA$25.29

38.64%

Cinema Ticket

$12.78 CA$17.91

$10.62 CA$14.89

20.34%

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

$754 CA$1,058

$638 CA$895

18.17%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$13.3K CA$18.7K

153.07%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$55.4 CA$77.7

-9.09%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$38.30 CA$53.7

8.17%

Sport Shoes (Adidas, Nike)

$101 CA$142

$84.6 CA$119

19.60%

Men's Leather Business Shoes

$130 CA$183

$102 CA$144

27.20%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,299 CA$1,821

22.40%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$1,158 CA$1,623

23.04%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$2,018 CA$2,829

30.87%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$1,683 CA$2,359

24.21%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

$4,333 CA$6,073

78.41%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

$3,635 CA$5,096

89.58%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$2,585 CA$3,623

40.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.68

-4.91%

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

Last update for Toronto: November 2, 2026

Last update for Hammond, Ontario: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Hammond, Ontario

$1.2K 50.9% 18.7% $267

Groceries & Markets

Toronto

$345 13.3%

Hammond, Ontario

$353 15.5% 2.2% $7.7

Eating Out

Toronto

$290 11.2%

Hammond, Ontario

$269 11.8% 7.2% $21

Monthly Utilities & Internet

Toronto

$203 7.8%

Hammond, Ontario

$229 10% 12.6% $26

Clothing & Footwear

Toronto

$145 5.6%

Hammond, Ontario

$126 5.6% 13.2% $19

Getting Around

Toronto

$130 5%

Hammond, Ontario

$83 3.6% 36.3% $47

Sport & Entertainment

Toronto

$62 2.4%

Hammond, Ontario

$59 2.6% 5.9% $3.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $1,299 in Hammond, Ontario. Housing cost is often the main lever when comparing two cities.

Toronto pays 40% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $72 in Toronto vs $64 in Hammond, Ontario. Groceries flip the comparison at $345 vs $353, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Hammond, Ontario

🕒 Local time

04:24 4:24 AM

Same time as Toronto

🌤 Weather

👥 Population

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

Exchange rates and currency converter

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Toronto Hammond, Ontario 380 km

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Toronto
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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 12% 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.

Average pay runs 40% 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: $1,590 in Toronto versus $1,299 in Hammond, Ontario. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $754 in Toronto versus $638 in Hammond, Ontario. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Hammond, Ontario – a meal for two runs $64 versus $72 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Hammond, Ontario is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

It comes down to priorities – Hammond, Ontario wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.