Last update: Oct 2026

Cost of Living Comparison Between Toronto and Independence, MO

For one person, living is cheaper in Independence, MO: $2,113 a month against $2,561 in Toronto, rent and utilities included – about $5,400 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
103

Cost of Living Index in Independence, MO
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Independence, MO Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Independence, MO

🇺🇸 United States

$2,113

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $2,561 in Toronto versus $2,113 in Independence, MO.

Toronto $2,561
Independence, MO $2,113

Estimated couple costs with rent: $3,694 in Toronto versus $3,065 in Independence, MO.

Toronto $3,694
Independence, MO $3,065

Monthly costs for a family of three with rent: $4,826 in Toronto versus $4,017 in Independence, MO.

Toronto $4,826
Independence, MO $4,017

Living in Toronto is roughly 21% more expensive than in Independence, MO, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Independence, MO 56% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$20.38 $20.38

-15.70%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$74.8 $74.8

1.52%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$12.43 $12.43

-15.21%

Cappuccino

$4.02 CA$5.68

$4.99 $4.99

-19.44%

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

$2.12 CA$3.00

$2.70 $2.70

-21.48%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.02 $2.02

-13.37%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$7.05 $7.05

-11.49%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$7.43 $7.43

-4.58%

Milk (1 liter)

$2.44 CA$3.45

$1.13 $1.13

115.93%

White Bread (500g)

$2.68 CA$3.78

$3.30 $3.30

-18.79%

Rice (white) (1kg)

$2.24 CA$3.17

$4.45 $4.45

-49.66%

Eggs

$3.56 CA$5.03

$4.29 $4.29

-17.02%

Local Cheese (1kg)

$9.09 CA$12.85

$11.24 $11.24

-19.13%

Chicken Fillets (1kg)

$11.33 CA$16.01

$9.70 $9.70

16.80%

Beef Round Steak (1kg)

$14.53 CA$20.55

$13.49 $13.49

7.71%

Apples (1kg)

$3.62 CA$5.12

$4.40 $4.40

-17.73%

Banana (1kg)

$1.21 CA$1.72

$1.60 $1.60

-24.38%

Oranges (1kg)

$3.60 CA$5.09

$4.50 $4.50

-20.00%

Tomato (1kg)

$4.21 CA$5.96

$4.30 $4.30

-2.09%

Potato (1kg)

$1.79 CA$2.53

$3.13 $3.13

-42.81%

Onion (1kg)

$1.59 CA$2.25

$2.86 $2.86

-44.41%

Lettuce (1 head)

$2.27 CA$3.21

$1.99 $1.99

14.07%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.18 $2.18

-42.66%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$7.94 $7.94

74.06%

Wine (Bottle)

$14.27 CA$20.18

$15.16 $15.16

-5.87%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.75 $1.75

25.71%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.76 $3.76

-35.37%

One-way Ticket (Public Transport)

$2.39 CA$3.38

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$2.45 $2.45

18.78%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.21 $1.21

-0.83%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$25.39 $25.39

-15.79%

Gasoline (1 liter)

$1.21 CA$1.71

$0.97 $0.97

24.74%

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

$28.2K CA$39.8K

$35.2K $35.2K

-19.97%

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

$20.3K CA$28.6K

$24.6K $24.6K

-17.70%

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

$120 CA$170

$245 $245

-50.91%

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

$32.26 CA$45.60

$63.0 $63.0

-48.76%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$73.4 $73.4

-34.74%

Gym Membership (Monthly)

$38.48 CA$54.4

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$15.24 $15.24

-18.77%

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

$830 CA$1,173

$965 $965

-13.95%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$19.6K $19.6K

17.74%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$59.1 $59.1

-14.24%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$40.34 $40.34

-0.79%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$97.0 $97.0

1.04%

Men's Leather Business Shoes

$121 CA$171

$120 $120

0.72%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,032 $1,032

54.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$852 $852

65.58%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,072 $2,072

28.89%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,300 $1,300

65.47%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$1,472 $1,472

439.69%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,470 $3,470

7.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.56

-31.86%

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

Last update for Toronto: October 12, 2026

Last update for Independence, MO: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Independence, MO

$852 40.3% 39.6% $559

Groceries & Markets

Toronto

$340 13.3%

Independence, MO

$369 17.5% 8.6% $29

Eating Out

Toronto

$278 10.9%

Independence, MO

$329 15.6% 18.4% $51

Monthly Utilities & Internet

Toronto

$201 7.8%

Independence, MO

$382 18.1% 90.3% $181

Clothing & Footwear

Toronto

$139 5.4%

Independence, MO

$142 6.7% 2.2% $3.1

Getting Around

Toronto

$129 5.1%

Independence, MO

$8.5 * 0.4% 93.4% $121

Sport & Entertainment

Toronto

$63 2.5%

Independence, MO

$30 * 1.4% 51.8% $33

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 $1,032 in Independence, MO. Housing cost is often the main lever when comparing two cities.

Toronto pays 7% 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: $76.0 in Toronto vs $75.0 in Independence, MO. Groceries flip the comparison at $340 vs $369, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Independence, MO

🕒 Local time

04:25 4:25 AM

03:25 3:25 AM

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 19, 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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Independence, MO 1,350 km ≈ 2 h 15 min nonstop flight

From you

Toronto
Independence, MO

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, MO: Cost of Living - Frequently Asked Questions

Toronto and Independence, MO differ by about 21% in total monthly costs ($2,561 vs $2,113 including rent). Independence, MO is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 7% 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: $1,592 in Toronto versus $1,032 in Independence, MO. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 9% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,561 per month in Toronto versus $2,113 in Independence, MO – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,113 in Independence, MO versus $2,561 in Toronto, a $3,000 budget is realistic in Independence, MO but tight or insufficient in Toronto. The gap between the two cities makes Independence, MO 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 Independence, MO 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 Independence, MO 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.