Last update: Oct 2026

Cost of Living Comparison Between Toronto and Katy, TX

For one person, living is cheaper in Katy, TX: $2,431 a month against $2,610 in Toronto, rent and utilities included – about $2,100 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Toronto
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Toronto Living Index
118

Cost of Living Index in Katy, TX
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Katy, TX Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Katy, TX

🇺🇸 United States

$2,431

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Katy, TX

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

A single person spends $2,610 per month in Toronto vs $2,431 in Katy, TX, rent included.

Toronto $2,610
Katy, TX $2,431

A couple spends around $3,727 per month in Toronto vs $3,672 in Katy, TX, rent included.

Toronto $3,727
Katy, TX $3,672

A family of three spends $4,844 per month in Toronto vs $4,913 in Katy, TX, rent included.

Toronto $4,844
Katy, TX $4,913

Toronto costs about 7% more than Katy, TX, and outside of rent the biggest gap is in utilities.

Both Toronto and Katy, TX sit above the global median – Toronto by 93%, Katy, TX by 79%.

Meal at Budget Restaurant

$17.59 CA$24.87

$16.86 $16.86

4.33%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$60.5 $60.5

30.26%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$8.79 $8.79

22.07%

Cappuccino

$4.09 CA$5.78

$3.58 $3.58

14.25%

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

$2.10 CA$2.97

$2.05 $2.05

2.44%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.06 $2.06

-16.50%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$3.94 $3.94

61.42%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$5.46 $5.46

29.67%

Milk (1 liter)

$2.54 CA$3.59

$0.91 $0.91

179.12%

White Bread (500g)

$2.72 CA$3.85

$3.66 $3.66

-25.68%

Rice (white) (1kg)

$2.18 CA$3.09

$2.98 $2.98

-26.85%

Eggs

$3.63 CA$5.13

$3.08 $3.08

17.86%

Local Cheese (1kg)

$9.46 CA$13.37

$12.77 $12.77

-25.92%

Chicken Fillets (1kg)

$11.54 CA$16.32

$9.27 $9.27

24.49%

Beef Round Steak (1kg)

$14.37 CA$20.32

$16.07 $16.07

-10.58%

Apples (1kg)

$3.70 CA$5.23

$3.77 $3.77

-1.86%

Banana (1kg)

$1.19 CA$1.68

$1.23 $1.23

-3.25%

Oranges (1kg)

$3.46 CA$4.90

$2.97 $2.97

16.50%

Tomato (1kg)

$4.22 CA$5.97

$3.15 $3.15

33.97%

Potato (1kg)

$1.79 CA$2.52

$2.10 $2.10

-14.76%

Onion (1kg)

$1.65 CA$2.33

$2.35 $2.35

-29.79%

Lettuce (1 head)

$2.20 CA$3.11

$1.77 $1.77

24.29%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.24 $1.24

1.61%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$9.77 $9.77

42.99%

Wine (Bottle)

$14.20 CA$20.07

$12.36 $12.36

14.89%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.75 $1.75

28.57%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$1.63 $1.63

55.21%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$4.59 $4.59

-49.46%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$91.0 $91.0

22.76%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$2.80 $2.80

9.29%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.58 $1.58

-22.78%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$34.39 $34.39

-36.93%

Gasoline (1 liter)

$1.21 CA$1.72

$0.82 $0.82

47.56%

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

$26.1K CA$37.0K

$32.5K $32.5K

-19.58%

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

$21.1K CA$29.9K

$24.6K $24.6K

-13.97%

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

$120 CA$169

$226 $226

-47.14%

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

$32.21 CA$45.54

$57.4 $57.4

-43.84%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$70.7 $70.7

-30.90%

Gym Membership (Monthly)

$39.34 CA$55.6

$30.38 $30.38

29.49%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$25.12 $25.12

-6.13%

Cinema Ticket

$12.58 CA$17.79

$11.93 $11.93

5.45%

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

$832 CA$1,176

$1,004 $1,004

-17.10%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$19.3K $19.3K

22.30%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$52.6 $52.6

-0.65%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$43.11 $43.11

-8.51%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$86.8 $86.8

14.08%

Men's Leather Business Shoes

$122 CA$172

$104 $104

17.62%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,594 $1,594

2.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,196 $1,196

21.09%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,601 $2,601

5.23%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,268 $2,268

-6.10%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,028 $2,028

304.59%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$1,693 $1,693

303.87%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$5,760 $5,760

-38.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.41

-30.27%

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

Last update for Toronto: October 18, 2026

Last update for Katy, TX: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Katy, TX

$1.2K 49.2% 17.4% $252

Groceries & Markets

Toronto

$343 13.1%

Katy, TX

$326 13.4% 4.9% $17

Eating Out

Toronto

$283 10.9%

Katy, TX

$251 10.3% 11.3% $32

Monthly Utilities & Internet

Toronto

$201 7.7%

Katy, TX

$354 14.6% 76.6% $154

Clothing & Footwear

Toronto

$141 5.4%

Katy, TX

$129 5.3% 8.5% $12

Getting Around

Toronto

$130 5%

Katy, TX

$120 4.9% 7.8% $10

Sport & Entertainment

Toronto

$65 2.5%

Katy, TX

$54 2.2% 15.9% $10

Cost Breakdown

A central one-bedroom costs $1,631 in Toronto versus $1,594 in Katy, TX. 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 64% higher in Katy, TX, 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 $79.0 in Toronto versus $61.0 in Katy, TX. Monthly groceries follow the same trend: $343 vs $326 – making Katy, TX the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Katy, TX

🕒 Local time

18:38 6:38 PM

17:38 5:38 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

14,102

💱 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 20, 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 20, 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 Katy, TX 2,120 km ≈ 3 h 15 min nonstop flight

From you

Toronto
Katy, TX

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 Katy, TX: Cost of Living - Frequently Asked Questions

Toronto costs about 7% more than Katy, TX, and outside of rent the gap comes mainly from utilities. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,916 per month in Toronto and $3,646 in Katy, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Katy, TX, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 5% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $79.0 in Toronto and $61.0 in Katy, TX. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,610 in Toronto and $2,431 in Katy, TX. You'll need shared housing and careful budgeting no matter which city you pick.

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

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Katy, TX. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.