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: $2,788 in Toronto versus $2,297 in Hammond, Ontario.

Estimated couple costs with rent: $4,110 in Toronto versus $3,392 in Hammond, Ontario.

Monthly costs for a family of three with rent: $5,432 in Toronto versus $4,488 in Hammond, Ontario.

Living in Toronto is roughly 21% more expensive than in Hammond, Ontario, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 109% above, Hammond, Ontario 72% above.

Meal at Budget Restaurant

$18.51 CA$26.05

$16.84 CA$23.70

9.92%

Three-Course Dinner for Two, Mid-Range

$83.8 CA$118

$70.2 CA$98.7

19.46%

Fast Food Meal (McDonalds, etc)

$10.97 CA$15.44

$10.92 CA$15.36

0.46%

Cappuccino

$3.99 CA$5.61

$3.85 CA$5.42

3.64%

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

$2.11 CA$2.98

$1.96 CA$2.75

7.65%

Water (0.33 liter bottle)

$1.69 CA$2.38

$1.65 CA$2.33

2.42%

Local Beer (0.5 liter draught)

$5.92 CA$8.33

$5.64 CA$7.94

4.96%

Imported Beer (0.33 liter bottle)

$6.48 CA$9.11

$5.94 CA$8.36

9.09%

Milk (1 liter)

$2.71 CA$3.82

$2.13 CA$3.00

27.23%

White Bread (500g)

$2.85 CA$4.02

$2.73 CA$3.85

4.40%

Rice (white) (1kg)

$3.56 CA$5.01

$3.49 CA$4.91

2.01%

Eggs

$3.54 CA$4.98

Local Cheese (1kg)

$13.26 CA$18.66

$11.03 CA$15.52

20.22%

Chicken Fillets (1kg)

$13.05 CA$18.36

$11.87 CA$16.71

9.94%

Beef Round Steak (1kg)

$16.77 CA$23.59

$14.52 CA$20.43

15.50%

Apples (1kg)

$4.11 CA$5.79

$4.16 CA$5.86

-1.20%

Banana (1kg)

$1.14 CA$1.60

$1.36 CA$1.91

-16.18%

Oranges (1kg)

$3.40 CA$4.78

$3.58 CA$5.04

-5.03%

Tomato (1kg)

$4.02 CA$5.66

$3.74 CA$5.26

7.49%

Potato (1kg)

$2.43 CA$3.42

Onion (1kg)

$2.94 CA$4.13

$2.55 CA$3.58

15.29%

Lettuce (1 head)

$2.47 CA$3.48

$2.55 CA$3.59

-3.14%

Water (1.5 liter bottle)

$1.92 CA$2.70

$1.78 CA$2.51

7.87%

Cigarettes 20 Pack (Marlboro, Camel)

$14.99 CA$21.09

$13.84 CA$19.47

8.31%

Wine (Bottle)

$14.34 CA$20.17

$12.27 CA$17.27

16.87%

Local Beer (0.5 liter bottle)

$2.71 CA$3.81

$2.94 CA$4.14

-7.82%

Imported Beer (0.33 liter bottle)

$3.12 CA$4.39

$3.05 CA$4.29

2.30%

One-way Ticket (Public Transport)

$2.45 CA$3.45

$2.42 CA$3.41

1.24%

Public Transport Monthly Pass (Regular Price)

$113 CA$159

$63.4 CA$89.2

78.08%

Taxi Start (Normal Tariff)

$3.63 CA$5.10

$3.23 CA$4.55

12.38%

Taxi (Normal Tariff) (1km)

$1.34 CA$1.89

$1.45 CA$2.04

-7.59%

Taxi 1hour Waiting (Normal Tariff)

$25.55 CA$35.95

$25.83 CA$36.34

-1.08%

Gasoline (1 liter)

$1.11 CA$1.56

$1.12 CA$1.58

-0.89%

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

$25.3K CA$35.6K

$24.9K CA$35.1K

1.33%

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

$21.8K CA$30.6K

$20.3K CA$28.5K

7.40%

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

$117 CA$164

$141 CA$199

-17.41%

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

$37.60 CA$52.9

$43.23 CA$60.8

-13.02%

Internet (50+ Mbps, Unlimited Data)

$53.7 CA$75.6

$62.4 CA$87.8

-13.99%

Gym Membership (Monthly)

$57.1 CA$80.3

$41.25 CA$58.0

38.42%

Tennis Court (1 Hour on Weekend)

$20.86 CA$29.35

Cinema Ticket

$11.56 CA$16.26

$11.25 CA$15.83

2.76%

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

$1,125 CA$1,583

$736 CA$1,036

52.85%

International Primary School, 1 Child (Yearly)

$18.4K CA$25.9K

$12.0K CA$16.8K

54.09%

Jeans (Levis 501 Or Similar)

$57.3 CA$80.7

$53.5 CA$75.3

7.08%

Summer Dress (H&M, Zara, etc)

$39.05 CA$55.0

$39.28 CA$55.3

-0.59%

Sport Shoes (Adidas, Nike)

$87.6 CA$123

$86.5 CA$122

1.21%

Men's Leather Business Shoes

$114 CA$160

$108 CA$152

4.85%

1-bedroom Apartment, City Center (Monthly)

$1,842 CA$2,591

$1,300 CA$1,829

41.68%

1-bedroom Apartment, Outside City Center (Monthly)

$1,531 CA$2,154

$1,183 CA$1,664

29.45%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,116

$1,989 CA$2,798

47.10%

3-bedroom Apartment, Outside City Center (Monthly)

$2,502 CA$3,521

$1,828 CA$2,572

36.87%

Buy Apartment in City Center (m2)

$8,725 CA$12.3K

$4,108 CA$5,781

112.38%

Buy Apartment Outside City Center (m2)

$6,867 CA$9,663

$3,275 CA$4,609

109.66%

Average Monthly Net Salary (After Tax)

$3,454 CA$4,860

$2,546 CA$3,583

35.63%

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: July 11, 2026

Last update for Hammond, Ontario: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,842 in Toronto and $1,300 in Hammond, Ontario. Housing cost is often the main lever when comparing two cities.

Toronto pays 36% 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: $84.0 in Toronto vs $70.0 in Hammond, Ontario for a mid-range dinner for two. Groceries echo the gap at $395 vs $364 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 21% 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 36% 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: $1,842 in Toronto versus $1,300 in Hammond, Ontario. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,788 per month in Toronto versus $2,297 in Hammond, Ontario – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hammond, Ontario runs roughly 78% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,297 in Hammond, Ontario versus $2,788 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 21% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.