Last update: Nov 2026

Cost of Living Comparison Between Toronto and Hay River, NT

For one person, living is cheaper in Hay River, NT: $2,243 a month against $2,599 in Toronto, rent and utilities included – about $4,300 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 Hay River, NT
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Hay River, NT Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Hay River, NT

🇨🇦 Canada

$2,243

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Hay River, NT

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 Hay River, NT actually costs, broken down by who's living it.

A single person spends $2,599 per month in Toronto vs $2,243 in Hay River, NT, rent included.

Toronto $2,599
Hay River, NT $2,243

A couple spends around $3,700 per month in Toronto vs $3,217 in Hay River, NT, rent included.

Toronto $3,700
Hay River, NT $3,217

A family of three spends $4,801 per month in Toronto vs $4,192 in Hay River, NT, rent included.

Toronto $4,801
Hay River, NT $4,192

Toronto costs about 16% more than Hay River, NT, and outside of rent the biggest gap is in transport.

Both Toronto and Hay River, NT sit above the global median – Toronto by 92%, Hay River, NT by 66%.

Meal at Budget Restaurant

$17.98 CA$25.20

$17.96 CA$25.18

0.11%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$65.3 CA$91.6

10.62%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$10.55 CA$14.79

2.65%

Cappuccino

$4.34 CA$6.09

$3.76 CA$5.27

15.43%

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

$2.16 CA$3.03

$1.98 CA$2.78

9.09%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.68 CA$2.36

-1.19%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$5.07 CA$7.11

25.25%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$5.54 CA$7.77

32.49%

Milk (1 liter)

$2.57 CA$3.60

$2.10 CA$2.94

22.38%

White Bread (500g)

$2.71 CA$3.79

$2.47 CA$3.47

9.72%

Rice (white) (1kg)

$2.28 CA$3.19

$3.50 CA$4.91

-34.86%

Eggs

$3.60 CA$5.05

$3.45 CA$4.84

4.35%

Local Cheese (1kg)

$8.94 CA$12.54

$10.10 CA$14.16

-11.49%

Chicken Fillets (1kg)

$11.19 CA$15.69

$11.64 CA$16.32

-3.87%

Beef Round Steak (1kg)

$15.23 CA$21.34

$14.78 CA$20.72

3.04%

Apples (1kg)

$3.74 CA$5.25

$3.81 CA$5.34

-1.84%

Banana (1kg)

$1.23 CA$1.72

$1.36 CA$1.91

-9.56%

Oranges (1kg)

$3.58 CA$5.02

$3.77 CA$5.28

-5.04%

Tomato (1kg)

$4.25 CA$5.96

$3.90 CA$5.46

8.97%

Potato (1kg)

$1.94 CA$2.72

$2.45 CA$3.44

-20.82%

Onion (1kg)

$1.67 CA$2.34

$2.17 CA$3.04

-23.04%

Lettuce (1 head)

$2.30 CA$3.22

$2.47 CA$3.46

-6.88%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.58 CA$2.21

-20.25%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$14.41 CA$20.20

-1.53%

Wine (Bottle)

$14.25 CA$19.97

$12.85 CA$18.02

10.89%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$2.84 CA$3.98

-19.72%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$3.19 CA$4.47

-19.12%

One-way Ticket (Public Transport)

$2.35 CA$3.30

$2.38 CA$3.33

-1.26%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$63.3 CA$88.7

75.32%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$2.86 CA$4.01

5.24%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.43 CA$2.00

-14.69%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

$23.34 CA$32.72

-6.51%

Gasoline (1 liter)

$1.23 CA$1.73

$1.22 CA$1.71

0.82%

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

$27.0K CA$37.8K

$27.9K CA$39.1K

-3.37%

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

$21.8K CA$30.6K

$21.6K CA$30.2K

1.26%

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

$121 CA$169

$136 CA$190

-10.93%

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

$33.10 CA$46.40

$38.85 CA$54.5

-14.80%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$54.2 CA$76.0

-9.48%

Gym Membership (Monthly)

$36.65 CA$51.4

$37.47 CA$52.5

-2.19%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

$18.40 CA$25.80

35.92%

Cinema Ticket

$12.78 CA$17.91

$10.83 CA$15.18

18.01%

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

$754 CA$1,058

$641 CA$898

17.75%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$13.5K CA$18.9K

149.79%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$55.4 CA$77.6

-8.96%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$39.28 CA$55.1

5.47%

Sport Shoes (Adidas, Nike)

$101 CA$142

$85.3 CA$120

18.74%

Men's Leather Business Shoes

$130 CA$183

$105 CA$147

24.24%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,143 CA$1,603

39.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$1,118 CA$1,567

27.42%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$1,980 CA$2,775

33.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$1,645 CA$2,306

27.05%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

$4,323 CA$6,059

78.82%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

$3,528 CA$4,946

95.33%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$4,215 CA$5,909

-14.06%

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 Hay River, NT: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Hay River, NT

$1.1K 49.8% 21.5% $307

Groceries & Markets

Toronto

$345 13.3%

Hay River, NT

$355 15.8% 2.9% $10

Eating Out

Toronto

$290 11.2%

Hay River, NT

$272 12.1% 6.4% $19

Monthly Utilities & Internet

Toronto

$203 7.8%

Hay River, NT

$229 10.2% 12.7% $26

Clothing & Footwear

Toronto

$145 5.6%

Hay River, NT

$128 5.7% 11.9% $17

Getting Around

Toronto

$130 5%

Hay River, NT

$83 3.7% 36.1% $47

Sport & Entertainment

Toronto

$62 2.4%

Hay River, NT

$59 2.6% 4.9% $3.1

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $1,143 in Hay River, NT. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 16% higher in Hay River, NT, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $72 in Toronto versus $65 in Hay River, NT. Groceries tell a different story – $345 in Toronto vs $355 in Hay River, NT – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇨🇦 Hay River, NT

🕒 Local time

23:05 11:05 PM

22:05 10:05 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

3,600

💱 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

On the map

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Between locations

Toronto Hay River, NT 3,060 km ≈ 4 h 15 min nonstop flight

From you

Toronto
Hay River, NT

Distances are measured in a straight line. Your location is detected approximately.

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 Hay River, NT: Cost of Living - Frequently Asked Questions

Toronto costs about 16% more than Hay River, NT, and outside of rent the gap comes mainly from transport. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,899 per month in Toronto and $3,364 in Hay River, NT. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Hay River, NT, especially for central apartments: a one-bedroom in the center costs $1,143 there versus $1,590 in Toronto.

Monthly expenses with rent come to $2,599 in Toronto and $2,243 in Hay River, NT. That makes Hay River, NT about 14% cheaper.

Public transport costs about 43% less in Hay River, NT. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 is a stretch for both – monthly costs hit $2,599 in Toronto and $2,243 in Hay River, NT. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Hay River, NT – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.