Last update: Oct 2026

Cost of Living Comparison Between Toronto and Independence, KS

For one person, living is cheaper in Independence, KS: $1,974 a month against $2,561 in Toronto, rent and utilities included – about $7,000 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
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Toronto Living Index
96

Cost of Living Index in Independence, KS
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Independence, KS Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Independence, KS

🇺🇸 United States

$1,974

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Independence, KS

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 Independence, KS actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,561 in Toronto versus $1,974 in Independence, KS.

Toronto $2,561
Independence, KS $1,974

Estimated couple costs with rent: $3,694 in Toronto versus $2,922 in Independence, KS.

Toronto $3,694
Independence, KS $2,922

Monthly costs for a family of three with rent: $4,826 in Toronto versus $3,870 in Independence, KS.

Toronto $4,826
Independence, KS $3,870

Living in Toronto is roughly 30% more expensive than in Independence, KS, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Independence, KS 46% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$19.64 $19.64

-12.53%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$74.6 $74.6

1.88%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$11.23 $11.23

-6.14%

Cappuccino

$4.02 CA$5.68

$5.17 $5.17

-22.24%

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

$2.12 CA$3.00

$2.60 $2.60

-18.46%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.05 $2.05

-14.63%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$5.94 $5.94

5.05%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$7.46 $7.46

-4.96%

Milk (1 liter)

$2.44 CA$3.45

$1.01 $1.01

141.58%

White Bread (500g)

$2.68 CA$3.78

$3.51 $3.51

-23.65%

Rice (white) (1kg)

$2.24 CA$3.17

$4.14 $4.14

-45.89%

Eggs

$3.56 CA$5.03

$4.26 $4.26

-16.43%

Local Cheese (1kg)

$9.09 CA$12.85

$12.27 $12.27

-25.92%

Chicken Fillets (1kg)

$11.33 CA$16.01

$10.48 $10.48

8.11%

Beef Round Steak (1kg)

$14.53 CA$20.55

$17.23 $17.23

-15.67%

Apples (1kg)

$3.62 CA$5.12

$5.15 $5.15

-29.71%

Banana (1kg)

$1.21 CA$1.72

$1.57 $1.57

-22.93%

Oranges (1kg)

$3.60 CA$5.09

$4.83 $4.83

-25.47%

Tomato (1kg)

$4.21 CA$5.96

$5.00 $5.00

-15.80%

Potato (1kg)

$1.79 CA$2.53

$2.42 $2.42

-26.03%

Onion (1kg)

$1.59 CA$2.25

$2.78 $2.78

-42.81%

Lettuce (1 head)

$2.27 CA$3.21

$2.16 $2.16

5.09%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.53 $2.53

-50.59%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$9.32 $9.32

48.28%

Wine (Bottle)

$14.27 CA$20.18

$14.76 $14.76

-3.32%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.02 $2.02

8.91%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.30 $3.30

-26.36%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$2.28 $2.28

4.82%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.34 $3.34

-12.87%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.72 $1.72

-30.23%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$25.62 $25.62

-16.55%

Gasoline (1 liter)

$1.21 CA$1.71

$0.99 $0.99

22.22%

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

$28.2K CA$39.8K

$35.5K $35.5K

-20.57%

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

$20.3K CA$28.6K

$25.9K $25.9K

-21.72%

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

$120 CA$170

$203 $203

-40.78%

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

$32.26 CA$45.60

$57.2 $57.2

-43.62%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$71.2 $71.2

-32.67%

Gym Membership (Monthly)

$38.48 CA$54.4

$41.43 $41.43

-7.12%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$13.73 $13.73

-9.83%

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

$830 CA$1,173

$1,424 $1,424

-41.73%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$22.3K $22.3K

3.66%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$52.6 $52.6

-3.67%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$46.65 $46.65

-14.21%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$89.0 $89.0

10.05%

Men's Leather Business Shoes

$121 CA$171

$116 $116

3.63%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,621 $1,621

-1.76%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$702 $702

100.80%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,472 $2,472

8.02%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,071 $1,071

100.95%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$2,763 $2,763

187.52%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$2,454 $2,454

166.58%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$5,296 $5,296

-29.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.57

-31.96%

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

Last update for Toronto: October 12, 2026

Last update for Independence, KS: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Independence, KS

$702 35.6% 50.2% $708

Groceries & Markets

Toronto

$340 13.3%

Independence, KS

$397 20.1% 16.9% $57

Eating Out

Toronto

$278 10.9%

Independence, KS

$316 16% 13.6% $38

Monthly Utilities & Internet

Toronto

$201 7.8%

Independence, KS

$332 16.8% 65.4% $131

Clothing & Footwear

Toronto

$139 5.4%

Independence, KS

$137 7% 1.5% $2.1

Getting Around

Toronto

$129 5.1%

Independence, KS

$21 * 1.1% 83.7% $108

Sport & Entertainment

Toronto

$63 2.5%

Independence, KS

$69 3.5% 9% $5.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $1,621 in Independence, KS. Housing cost is often the main lever when comparing two cities.

Independence, KS pays 42% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Toronto vs $75.0 in Independence, KS. Groceries flip the comparison at $340 vs $397, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Independence, KS

🕒 Local time

17:47 5:47 PM

16:47 4:47 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

117,213

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 18, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

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Highest

Between locations

Toronto Independence, KS 1,550 km ≈ 2 h 30 min nonstop flight

From you

Toronto
Independence, KS

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 Independence, KS: Cost of Living - Frequently Asked Questions

Independence, KS wins on cost – living expenses run 30% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Independence, KS the obvious pick if budget is a priority.

On paper, salaries run 42% lower in Independence, KS. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,592 in Toronto versus $1,621 in Independence, KS. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $830 in Toronto versus $1,424 in Independence, KS. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Independence, KS – a meal for two runs $75.0 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Independence, KS 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.

Expats usually find Independence, KS gentler on the wallet – expenses run 30% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.