Cost of Living Comparison Between Toronto and Kelowna Cost of Living Comparison Between Toronto and Kelowna

Monthly Cost of Living

Monthly costs for one person with rent: $2,811 in Toronto versus $2,460 in Kelowna.

Estimated couple costs with rent: $4,130 in Toronto versus $3,617 in Kelowna.

Monthly costs for a family of three with rent: $5,449 in Toronto versus $4,774 in Kelowna.

Living in Toronto is roughly 14% more expensive than Kelowna, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 110% above, Kelowna 84% above.

Meal at Budget Restaurant

$18.71 CA$25.90

$18.26 CA$25.28

2.46%

Three-Course Dinner for Two, Mid-Range

$81.9 CA$113

$66.9 CA$92.6

22.36%

Fast Food Meal (McDonalds, etc)

$10.83 CA$14.99

$11.17 CA$15.47

-3.04%

Cappuccino

$3.89 CA$5.38

$4.38 CA$6.06

-11.19%

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

$2.22 CA$3.07

$2.18 CA$3.02

1.83%

Water (0.33 liter bottle)

$1.65 CA$2.28

$1.73 CA$2.39

-4.62%

Local Beer (0.5 liter draught)

$6.05 CA$8.38

$5.98 CA$8.28

1.17%

Imported Beer (0.33 liter bottle)

$6.58 CA$9.11

$6.11 CA$8.46

7.69%

Milk (1 liter)

$2.73 CA$3.77

$1.97 CA$2.72

38.58%

White Bread (500g)

$2.72 CA$3.76

$3.19 CA$4.42

-14.73%

Rice (white) (1kg)

$3.54 CA$4.90

$3.15 CA$4.36

12.38%

Eggs

$3.50 CA$4.84

$3.86 CA$5.35

-9.33%

Local Cheese (1kg)

$13.53 CA$18.73

$11.10 CA$15.36

21.89%

Chicken Fillets (1kg)

$13.09 CA$18.12

$14.87 CA$20.59

-11.97%

Beef Round Steak (1kg)

$16.96 CA$23.49

$19.87 CA$27.51

-14.65%

Apples (1kg)

$4.16 CA$5.76

$3.73 CA$5.17

11.53%

Banana (1kg)

$1.18 CA$1.63

$1.41 CA$1.95

-16.31%

Oranges (1kg)

$3.25 CA$4.50

$3.77 CA$5.22

-13.79%

Tomato (1kg)

$4.12 CA$5.70

$4.04 CA$5.59

1.98%

Potato (1kg)

$2.50 CA$3.47

$2.59 CA$3.58

-3.47%

Onion (1kg)

$2.88 CA$3.98

$2.93 CA$4.06

-1.71%

Lettuce (1 head)

$2.35 CA$3.25

$2.72 CA$3.77

-13.60%

Water (1.5 liter bottle)

$2.00 CA$2.77

$1.79 CA$2.48

11.73%

Cigarettes 20 Pack (Marlboro, Camel)

$14.58 CA$20.19

$15.02 CA$20.79

-2.93%

Wine (Bottle)

$14.18 CA$19.63

$13.79 CA$19.09

2.83%

Local Beer (0.5 liter bottle)

$2.80 CA$3.88

$2.46 CA$3.41

13.82%

Imported Beer (0.33 liter bottle)

$3.25 CA$4.51

$3.11 CA$4.31

4.50%

One-way Ticket (Public Transport)

$2.40 CA$3.32

$1.89 CA$2.62

26.98%

Public Transport Monthly Pass (Regular Price)

$114 CA$158

$50.7 CA$70.3

124.82%

Taxi Start (Normal Tariff)

$3.76 CA$5.20

$3.04 CA$4.21

23.68%

Taxi (Normal Tariff) (1km)

$1.41 CA$1.95

$1.69 CA$2.34

-16.57%

Taxi 1hour Waiting (Normal Tariff)

$25.53 CA$35.34

$35.11 CA$48.61

-27.29%

Gasoline (1 liter)

$1.10 CA$1.52

$1.26 CA$1.74

-12.70%

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

$25.2K CA$34.9K

$24.9K CA$34.5K

1.39%

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

$21.1K CA$29.2K

$20.1K CA$27.8K

5.07%

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

$120 CA$166

$141 CA$195

-15.15%

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

$37.54 CA$52.0

$52.4 CA$72.6

-28.36%

Internet (50+ Mbps, Unlimited Data)

$54.5 CA$75.5

$66.9 CA$92.7

-18.53%

Gym Membership (Monthly)

$55.5 CA$76.9

$44.18 CA$61.2

25.65%

Tennis Court (1 Hour on Weekend)

$21.15 CA$29.28

$31.88 CA$44.14

-33.66%

Cinema Ticket

$11.56 CA$16.00

$11.64 CA$16.12

-0.69%

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

$1,129 CA$1,564

$1,055 CA$1,461

7.05%

International Primary School, 1 Child (Yearly)

$18.0K CA$24.9K

$17.1K CA$23.6K

5.24%

Jeans (Levis 501 Or Similar)

$56.9 CA$78.8

$53.3 CA$73.7

6.91%

Summer Dress (H&M, Zara, etc)

$39.96 CA$55.3

$40.15 CA$55.6

-0.47%

Sport Shoes (Adidas, Nike)

$89.7 CA$124

$85.4 CA$118

4.99%

Men's Leather Business Shoes

$114 CA$158

$126 CA$175

-9.41%

1-bedroom Apartment, City Center (Monthly)

$1,849 CA$2,561

$1,367 CA$1,893

35.24%

1-bedroom Apartment, Outside City Center (Monthly)

$1,560 CA$2,159

$1,199 CA$1,660

30.06%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,051

$2,196 CA$3,041

33.19%

3-bedroom Apartment, Outside City Center (Monthly)

$2,470 CA$3,420

$2,028 CA$2,808

21.78%

Buy Apartment in City Center (m2)

$9,085 CA$12.6K

$4,081 CA$5,650

122.62%

Buy Apartment Outside City Center (m2)

$7,036 CA$9,742

$3,314 CA$4,588

112.32%

Average Monthly Net Salary (After Tax)

$3,572 CA$4,946

$3,038 CA$4,206

17.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.53

-20.98%

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

Last update for Toronto: May 31, 2026

Last update for Kelowna: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,849 in Toronto and $1,367 in Kelowna. Housing cost is often the main lever when comparing two cities.

Toronto pays 18% 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: $82.0 in Toronto vs $67.0 in Kelowna. Groceries flip the comparison at $396 vs $401, with Toronto cheaper for home cooking.

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 Kelowna: Cost of Living - Frequently Asked Questions

Toronto and Kelowna differ by about 14% in total monthly costs ($2,811 vs $2,460 including rent). Kelowna is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Toronto pays 18% more on average, 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: $1,849 in Toronto versus $1,367 in Kelowna. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,811 per month in Toronto versus $2,460 in Kelowna – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kelowna runs roughly 125% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $3,000. Kelowna 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.

Safety-wise, Toronto and Kelowna 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 Kelowna gentler on the wallet – expenses run 14% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.