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: $2,668 in Toronto versus $2,273 in Hammond, Ontario.

Estimated couple costs with rent: $3,801 in Toronto versus $3,253 in Hammond, Ontario.

Monthly costs for a family of three with rent: $4,934 in Toronto versus $4,233 in Hammond, Ontario.

Living in Toronto is roughly 17% more expensive than in Hammond, Ontario, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 95% above, Hammond, Ontario 66% above.

Meal at Budget Restaurant

$18.31 CA$25.62

$17.28 CA$24.17

5.96%

Three-Course Dinner for Two, Mid-Range

$80.4 CA$112

$64.8 CA$90.6

24.17%

Fast Food Meal (McDonalds, etc)

$10.61 CA$14.84

$11.81 CA$16.52

-10.16%

Cappuccino

$3.99 CA$5.59

$3.22 CA$4.50

23.91%

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

$2.16 CA$3.02

$2.14 CA$3.00

0.93%

Water (0.33 liter bottle)

$1.76 CA$2.46

$1.49 CA$2.08

18.12%

Local Beer (0.5 liter draught)

$6.65 CA$9.30

$5.25 CA$7.35

26.67%

Imported Beer (0.33 liter bottle)

$7.20 CA$10.07

$5.80 CA$8.12

24.14%

Milk (1 liter)

$2.84 CA$3.97

$2.19 CA$3.06

29.68%

White Bread (500g)

$2.75 CA$3.85

$2.56 CA$3.58

7.42%

Rice (white) (1kg)

$2.51 CA$3.50

$3.26 CA$4.56

-23.01%

Eggs

$3.83 CA$5.35

$3.56 CA$4.98

7.58%

Local Cheese (1kg)

$10.01 CA$14.00

$10.04 CA$14.05

-0.30%

Chicken Fillets (1kg)

$11.96 CA$16.73

$11.29 CA$15.79

5.93%

Beef Round Steak (1kg)

$15.63 CA$21.87

$14.83 CA$20.74

5.39%

Apples (1kg)

$3.67 CA$5.14

$3.95 CA$5.53

-7.09%

Banana (1kg)

$1.27 CA$1.78

$1.40 CA$1.95

-9.29%

Oranges (1kg)

$3.87 CA$5.41

$3.64 CA$5.09

6.32%

Tomato (1kg)

$4.23 CA$5.91

$3.96 CA$5.54

6.82%

Potato (1kg)

$1.86 CA$2.60

$2.56 CA$3.58

-27.34%

Onion (1kg)

$1.53 CA$2.15

$2.19 CA$3.07

-30.14%

Lettuce (1 head)

$2.30 CA$3.22

$2.49 CA$3.49

-7.63%

Water (1.5 liter bottle)

$1.44 CA$2.01

$1.60 CA$2.23

-10.00%

Cigarettes 20 Pack (Marlboro, Camel)

$14.12 CA$19.75

$15.95 CA$22.31

-11.47%

Wine (Bottle)

$14.53 CA$20.33

$12.67 CA$17.73

14.68%

Local Beer (0.5 liter bottle)

$2.22 CA$3.11

$3.05 CA$4.27

-27.21%

Imported Beer (0.33 liter bottle)

$2.55 CA$3.57

$2.85 CA$3.99

-10.53%

One-way Ticket (Public Transport)

$2.47 CA$3.46

$2.11 CA$2.95

17.06%

Public Transport Monthly Pass (Regular Price)

$113 CA$158

$62.5 CA$87.5

80.44%

Taxi Start (Normal Tariff)

$3.10 CA$4.34

$2.58 CA$3.61

20.16%

Taxi (Normal Tariff) (1km)

$1.28 CA$1.78

$1.35 CA$1.89

-5.19%

Taxi 1hour Waiting (Normal Tariff)

$21.87 CA$30.60

$23.28 CA$32.57

-6.06%

Gasoline (1 liter)

$1.23 CA$1.72

$1.00 CA$1.41

23.00%

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

$27.2K CA$38.1K

$32.5K CA$45.5K

-16.34%

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

$20.3K CA$28.5K

$16.9K CA$23.6K

20.49%

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

$122 CA$171

$137 CA$192

-10.57%

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

$33.21 CA$46.46

$39.25 CA$54.9

-15.39%

Internet (50+ Mbps, Unlimited Data)

$49.37 CA$69.1

$55.5 CA$77.6

-10.98%

Gym Membership (Monthly)

$40.05 CA$56.0

$43.49 CA$60.8

-7.91%

Tennis Court (1 Hour on Weekend)

$23.78 CA$33.26

$17.88 CA$25.01

33.00%

Cinema Ticket

$12.70 CA$17.76

$12.55 CA$17.56

1.20%

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

$772 CA$1,080

$801 CA$1,120

-3.57%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.3K

$12.4K CA$17.4K

91.88%

Jeans (Levis 501 Or Similar)

$53.4 CA$74.7

$54.5 CA$76.2

-1.89%

Summer Dress (H&M, Zara, etc)

$42.13 CA$58.9

$39.23 CA$54.9

7.39%

Sport Shoes (Adidas, Nike)

$99.7 CA$139

$85.1 CA$119

17.16%

Men's Leather Business Shoes

$123 CA$172

$102 CA$143

20.27%

1-bedroom Apartment, City Center (Monthly)

$1,597 CA$2,234

$1,270 CA$1,777

25.69%

1-bedroom Apartment, Outside City Center (Monthly)

$1,439 CA$2,013

$1,155 CA$1,616

24.55%

3-bedroom Apartment, City Center (Monthly)

$2,738 CA$3,830

$2,001 CA$2,799

36.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,163 CA$3,026

$1,744 CA$2,440

24.01%

Buy Apartment in City Center (m2)

$8,246 CA$11.5K

$3,705 CA$5,183

122.54%

Buy Apartment Outside City Center (m2)

$6,695 CA$9,366

$3,922 CA$5,487

70.71%

Average Monthly Net Salary (After Tax)

$3,830 CA$5,358

$2,602 CA$3,640

47.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

4.66

-4.08%

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

Last update for Toronto: September 12, 2026

Last update for Hammond, Ontario: September 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,597 in Toronto and $1,270 in Hammond, Ontario. Housing cost is often the main lever when comparing two cities.

Toronto pays 47% 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 $65.0 in Hammond, Ontario for a mid-range dinner for two. Groceries echo the gap at $361 vs $356 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 17% 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 47% 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 $1,270 in Hammond, Ontario. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,668 per month in Toronto versus $2,273 in Hammond, Ontario – a 17% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hammond, Ontario runs roughly 80% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,273 in Hammond, Ontario versus $2,668 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 17% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.