Last update: Oct 2026

Cost of Living Comparison Between Toronto and Kelowna

For one person, living is cheaper in Kelowna: $2,385 a month against $2,589 in Toronto, rent and utilities included – about $2,400 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
114

Cost of Living Index in Kelowna
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Kelowna Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Kelowna

🇨🇦 Canada

$2,385

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Kelowna

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

Monthly costs for one person with rent: $2,589 in Toronto versus $2,385 in Kelowna.

Toronto $2,589
Kelowna $2,385

Estimated couple costs with rent: $3,710 in Toronto versus $3,545 in Kelowna.

Toronto $3,710
Kelowna $3,545

Monthly costs for a family of three with rent: $4,831 in Toronto versus $4,706 in Kelowna.

Toronto $4,831
Kelowna $4,706

Living in Toronto is roughly 9% more expensive than in Kelowna, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Kelowna 75% above.

Meal at Budget Restaurant

$17.60 CA$24.70

$16.69 CA$23.42

5.45%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$58.4 CA$82.0

33.21%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.86

$11.50 CA$16.14

-7.91%

Cappuccino

$4.16 CA$5.83

$4.01 CA$5.62

3.74%

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

$2.04 CA$2.87

$2.00 CA$2.80

2.00%

Water (0.33 liter bottle)

$1.75 CA$2.46

$1.72 CA$2.41

1.74%

Local Beer (0.5 liter draught)

$6.58 CA$9.23

$4.70 CA$6.60

40.00%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.98

$5.59 CA$7.84

27.19%

Milk (1 liter)

$2.53 CA$3.56

$2.04 CA$2.87

24.02%

White Bread (500g)

$2.70 CA$3.79

$2.82 CA$3.95

-4.26%

Rice (white) (1kg)

$2.24 CA$3.14

$3.59 CA$5.04

-37.60%

Eggs

$3.48 CA$4.89

$3.18 CA$4.46

9.43%

Local Cheese (1kg)

$9.38 CA$13.16

$9.66 CA$13.56

-2.90%

Chicken Fillets (1kg)

$11.60 CA$16.28

$13.28 CA$18.64

-12.65%

Beef Round Steak (1kg)

$14.68 CA$20.61

$21.55 CA$30.24

-31.88%

Apples (1kg)

$3.74 CA$5.26

$3.57 CA$5.01

4.76%

Banana (1kg)

$1.22 CA$1.72

$1.49 CA$2.09

-18.12%

Oranges (1kg)

$3.48 CA$4.88

$3.51 CA$4.93

-0.85%

Tomato (1kg)

$4.32 CA$6.07

$4.76 CA$6.68

-9.24%

Potato (1kg)

$1.85 CA$2.60

$3.16 CA$4.43

-41.46%

Onion (1kg)

$1.69 CA$2.37

$3.13 CA$4.39

-46.01%

Lettuce (1 head)

$2.23 CA$3.13

$2.57 CA$3.60

-13.23%

Water (1.5 liter bottle)

$1.28 CA$1.79

$1.98 CA$2.78

-35.35%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.71

$14.37 CA$20.17

-2.30%

Wine (Bottle)

$14.43 CA$20.25

$13.81 CA$19.39

4.49%

Local Beer (0.5 liter bottle)

$2.16 CA$3.03

$2.54 CA$3.56

-14.96%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.54

$3.13 CA$4.39

-19.49%

One-way Ticket (Public Transport)

$2.37 CA$3.32

$2.18 CA$3.06

8.72%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$49.68 CA$69.7

126.37%

Taxi Start (Normal Tariff)

$3.04 CA$4.27

$2.77 CA$3.89

9.75%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.74

$1.81 CA$2.54

-31.49%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.65

$34.45 CA$48.35

-34.54%

Gasoline (1 liter)

$1.24 CA$1.75

$1.24 CA$1.74

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

$26.9K CA$37.8K

$28.4K CA$39.9K

-5.43%

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

$21.4K CA$30.0K

$21.1K CA$29.6K

1.44%

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

$125 CA$175

$128 CA$180

-2.80%

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

$33.05 CA$46.39

$44.58 CA$62.6

-25.86%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.3

$58.4 CA$82.0

-17.92%

Gym Membership (Monthly)

$36.69 CA$51.5

$56.3 CA$78.9

-34.77%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.22

$30.66 CA$43.03

-22.80%

Cinema Ticket

$13.08 CA$18.35

$11.59 CA$16.27

12.86%

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

$759 CA$1,065

$1,054 CA$1,479

-28.00%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.4K

$16.6K CA$23.3K

43.03%

Jeans (Levis 501 Or Similar)

$53.5 CA$75.1

$48.90 CA$68.6

9.49%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.8

$41.53 CA$58.3

-2.62%

Sport Shoes (Adidas, Nike)

$100 CA$141

$84.9 CA$119

18.39%

Men's Leather Business Shoes

$125 CA$176

$98.1 CA$138

27.66%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,287

$1,395 CA$1,958

16.83%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,987

$1,218 CA$1,710

16.20%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,781

$2,455 CA$3,446

9.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,949

$2,082 CA$2,921

0.93%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$4,160 CA$5,838

81.52%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,366

$3,129 CA$4,391

113.29%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,973

$3,093 CA$4,341

14.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.69

-5.12%

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

Last update for Toronto: October 26, 2026

Last update for Kelowna: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Kelowna

$1.2K 51.1% 13.9% $197

Groceries & Markets

Toronto

$345 13.3%

Kelowna

$397 16.6% 15% $52

Eating Out

Toronto

$285 11%

Kelowna

$266 11.1% 6.7% $19

Monthly Utilities & Internet

Toronto

$206 7.9%

Kelowna

$231 9.7% 12.4% $26

Clothing & Footwear

Toronto

$144 5.6%

Kelowna

$123 5.2% 14.5% $21

Getting Around

Toronto

$131 5.1%

Kelowna

$70 2.9% 46.5% $61

Sport & Entertainment

Toronto

$63 2.4%

Kelowna

$79 3.3% 26.4% $17

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,395 in Kelowna. Housing cost is often the main lever when comparing two cities.

Toronto pays 15% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $58 in Kelowna. Groceries flip the comparison at $345 vs $397, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Kelowna

🕒 Local time

16:32 4:32 PM

13:32 1:32 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

144,576

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

Exchange rates and currency converter

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Between locations

Toronto Kelowna 3,090 km ≈ 4 h 15 min nonstop flight

From you

Toronto
Kelowna

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 Kelowna: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,589 in Toronto and $2,385 in Kelowna, so Kelowna is about 8% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 15% 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: $1,630 in Toronto versus $1,395 in Kelowna. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,589 per month in Toronto versus $2,385 in Kelowna – Kelowna is about 8% cheaper, which adds up to real savings over time.

A monthly transit pass in Kelowna runs roughly 56% less than in Toronto. The price difference matters if you commute daily and watch your budget.

Either city works on $3,000 a month, though Kelowna gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.

It comes down to priorities – Kelowna wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.