Last update: Oct 2026

Cost of Living Comparison Between Toronto and Laguna Niguel, CA

For one person, living is cheaper in Toronto: $2,561 a month against $4,258 in Laguna Niguel, CA, rent and utilities included – about $20,400 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
206

Cost of Living Index in Laguna Niguel, CA
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Laguna Niguel, CA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Laguna Niguel, CA

🇺🇸 United States

$4,258

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Laguna Niguel, CA

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 Laguna Niguel, CA actually costs, broken down by who's living it.

A single person spends $2,561 per month in Toronto vs $4,258 in Laguna Niguel, CA, rent included.

Toronto $2,561
Laguna Niguel, CA $4,258

A couple spends around $3,694 per month in Toronto vs $5,464 in Laguna Niguel, CA, rent included.

Toronto $3,694
Laguna Niguel, CA $5,464

A family of three spends $4,826 per month in Toronto vs $6,671 in Laguna Niguel, CA, rent included.

Toronto $4,826
Laguna Niguel, CA $6,671

Toronto is about 40% cheaper than Laguna Niguel, CA, and outside of rent the biggest gap is in groceries.

Both Toronto and Laguna Niguel, CA sit above the global median – Toronto by 90%, Laguna Niguel, CA by 215%.

Meal at Budget Restaurant

$17.18 CA$24.29

$24.71 $24.71

-30.47%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$104 $104

-26.69%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$13.65 $13.65

-22.78%

Cappuccino

$4.02 CA$5.68

$5.80 $5.80

-30.69%

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

$2.12 CA$3.00

$3.02 $3.02

-29.80%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.97 $1.97

-11.17%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$7.82 $7.82

-20.20%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$10.12 $10.12

-29.94%

Milk (1 liter)

$2.44 CA$3.45

$1.30 $1.30

87.69%

White Bread (500g)

$2.68 CA$3.78

$4.67 $4.67

-42.61%

Rice (white) (1kg)

$2.24 CA$3.17

$4.75 $4.75

-52.84%

Eggs

$3.56 CA$5.03

$4.95 $4.95

-28.08%

Local Cheese (1kg)

$9.09 CA$12.85

$12.65 $12.65

-28.14%

Chicken Fillets (1kg)

$11.33 CA$16.01

$15.91 $15.91

-28.79%

Beef Round Steak (1kg)

$14.53 CA$20.55

$19.72 $19.72

-26.32%

Apples (1kg)

$3.62 CA$5.12

$5.64 $5.64

-35.82%

Banana (1kg)

$1.21 CA$1.72

$1.72 $1.72

-29.65%

Oranges (1kg)

$3.60 CA$5.09

$4.69 $4.69

-23.24%

Tomato (1kg)

$4.21 CA$5.96

$6.61 $6.61

-36.31%

Potato (1kg)

$1.79 CA$2.53

$3.37 $3.37

-46.88%

Onion (1kg)

$1.59 CA$2.25

$2.84 $2.84

-44.01%

Lettuce (1 head)

$2.27 CA$3.21

$2.38 $2.38

-4.62%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.20 $2.20

-43.18%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$11.75 $11.75

17.62%

Wine (Bottle)

$14.27 CA$20.18

$15.12 $15.12

-5.62%

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

$2.68 $2.68

-9.33%

One-way Ticket (Public Transport)

$2.39 CA$3.38

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$64.1 $64.1

73.03%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.02 $3.02

-3.64%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.81 $1.81

-33.70%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$32.31 $32.31

-33.83%

Gasoline (1 liter)

$1.21 CA$1.71

$1.54 $1.54

-21.43%

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

$28.2K CA$39.8K

$37.6K $37.6K

-25.06%

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

$20.3K CA$28.6K

$25.7K $25.7K

-21.32%

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

$120 CA$170

$279 $279

-56.93%

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

$32.26 CA$45.60

$70.7 $70.7

-54.34%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$79.8 $79.8

-39.92%

Gym Membership (Monthly)

$38.48 CA$54.4

$94.3 $94.3

-59.20%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$16.35 $16.35

-24.28%

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

$830 CA$1,173

$1,656 $1,656

-49.87%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$32.3K $32.3K

-28.60%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$74.3 $74.3

-31.77%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$40.82 $40.82

-1.96%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$119 $119

-17.39%

Men's Leather Business Shoes

$121 CA$171

$172 $172

-29.67%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$2,927 $2,927

-45.61%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$2,593 $2,593

-45.61%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$4,575 $4,575

-41.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$2,988 $2,988

-27.99%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$5,014 $5,014

-25.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.64

-32.68%

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

Last update for Toronto: October 12, 2026

Last update for Laguna Niguel, CA: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Laguna Niguel, CA

$2.6K 60.9% 83.9% $1.2K

Groceries & Markets

Toronto

$340 13.3%

Laguna Niguel, CA

$462 10.8% 35.9% $122

Eating Out

Toronto

$278 10.9%

Laguna Niguel, CA

$388 9.1% 39.3% $109

Monthly Utilities & Internet

Toronto

$201 7.8%

Laguna Niguel, CA

$430 10.1% 114% $229

Clothing & Footwear

Toronto

$139 5.4%

Laguna Niguel, CA

$182 4.3% 31% $43

Getting Around

Toronto

$129 5.1%

Laguna Niguel, CA

$76 * 1.8% 41.1% $53

Sport & Entertainment

Toronto

$63 2.5%

Laguna Niguel, CA

$127 3% 101% $64

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

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $2,927 in Laguna Niguel, CA. 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 35% higher in Laguna Niguel, CA, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $76.0 in Toronto versus $104 in Laguna Niguel, CA. Monthly groceries follow the same trend: $340 vs $462 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Laguna Niguel, CA

🕒 Local time

22:04 10:04 PM

19:04 7:04 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

64,771

💱 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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Between locations

Toronto Laguna Niguel, CA 3,480 km ≈ 4 h 45 min nonstop flight

From you

Toronto
Laguna Niguel, CA

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 Laguna Niguel, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,561 in Toronto, $4,258 in Laguna Niguel, CA – roughly 66% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,841 per month in Toronto and $6,387 in Laguna Niguel, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $2,561 in Toronto and $4,258 in Laguna Niguel, CA. That's a gap of about 66%.

Public transport costs about 73% less in Toronto. For daily commuters, that gap adds up to noticeable savings over a year.

$2,500 is a stretch for both – monthly costs hit $2,561 in Toronto and $4,258 in Laguna Niguel, CA. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Laguna Niguel, CA has an edge in some lifestyle areas, with costs from $2,561 in Toronto to $4,258 in Laguna Niguel, CA. Climate, culture, job market, and personal taste all factor in.

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 Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, Laguna Niguel, CA makes more sense. Both are solid long-term options with distinct trade-offs.