Last update: Oct 2026

Cost of Living Comparison Between Toronto and Loja

For one person, living is cheaper in Loja: $676 a month against $2,561 in Toronto, rent and utilities included – about $22,600 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
33

Cost of Living Index in Loja
Learn more

Loja Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Loja

🇪🇨 Ecuador

$676

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Loja

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

A single person spends $2,561 per month in Toronto vs $676 in Loja, rent included.

Toronto $2,561
Loja $676

A couple spends around $3,694 per month in Toronto vs $1,067 in Loja, rent included.

Toronto $3,694
Loja $1,067

A family of three spends $4,826 per month in Toronto vs $1,459 in Loja, rent included.

Toronto $4,826
Loja $1,459

Toronto costs about 279% more than Loja, and outside of rent the biggest gap is in eating out.

Toronto sits 90% above the global median, while Loja is 50% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$17.18 CA$24.29

$3.08 $3.08

457.79%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$20.71 $20.71

266.83%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$5.44 $5.44

93.75%

Cappuccino

$4.02 CA$5.68

$2.22 $2.22

81.08%

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

$2.12 CA$3.00

$0.77 $0.77

175.32%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.45 $0.45

288.89%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$1.22 $1.22

411.48%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$3.17 $3.17

123.66%

Milk (1 liter)

$2.44 CA$3.45

$0.99 $0.99

146.46%

White Bread (500g)

$2.68 CA$3.78

$1.51 $1.51

77.48%

Rice (white) (1kg)

$2.24 CA$3.17

$1.32 $1.32

69.70%

Eggs

$3.56 CA$5.03

$1.92 $1.92

85.42%

Local Cheese (1kg)

$9.09 CA$12.85

$5.79 $5.79

56.99%

Chicken Fillets (1kg)

$11.33 CA$16.01

$4.15 $4.15

173.01%

Beef Round Steak (1kg)

$14.53 CA$20.55

$5.96 $5.96

143.79%

Apples (1kg)

$3.62 CA$5.12

$1.69 $1.69

114.20%

Banana (1kg)

$1.21 CA$1.72

$1.05 $1.05

15.24%

Oranges (1kg)

$3.60 CA$5.09

$1.18 $1.18

205.08%

Tomato (1kg)

$4.21 CA$5.96

$1.07 $1.07

293.46%

Potato (1kg)

$1.79 CA$2.53

$1.06 $1.06

68.87%

Onion (1kg)

$1.59 CA$2.25

$1.07 $1.07

48.60%

Lettuce (1 head)

$2.27 CA$3.21

$0.51 $0.51

345.10%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.13 $1.13

10.62%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$5.23 $5.23

164.24%

Wine (Bottle)

$14.27 CA$20.18

$6.86 $6.86

108.02%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.52 $1.52

44.74%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.05 $3.05

-20.33%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.31 $0.31

670.97%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$30.33 $30.33

265.74%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$1.27 $1.27

129.13%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.09 $1.09

10.09%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$9.88 $9.88

116.40%

Gasoline (1 liter)

$1.21 CA$1.71

$0.78 $0.78

55.13%

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

$28.2K CA$39.8K

$14.8K $14.8K

90.04%

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

$20.3K CA$28.6K

$28.7K $28.7K

-29.46%

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

$120 CA$170

$19.65 $19.65

512.47%

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

$32.26 CA$45.60

$11.63 $11.63

177.39%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$26.57 $26.57

80.39%

Gym Membership (Monthly)

$38.48 CA$54.4

$30.27 $30.27

27.12%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$14.88 $14.88

54.30%

Cinema Ticket

$12.38 CA$17.50

$7.46 $7.46

65.95%

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

$830 CA$1,173

$183 $183

353.43%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$2,017 $2,017

1044.80%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$52.8 $52.8

-3.94%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$47.03 $47.03

-14.91%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$79.1 $79.1

23.79%

Men's Leather Business Shoes

$121 CA$171

$71.2 $71.2

69.57%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$237 $237

571.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$170 $170

729.03%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$389 $389

586.05%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$310 $310

593.50%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$554 $554

1335.47%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$323 $323

1923.45%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$496 $496

650.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

8.5

-47.41%

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

Last update for Toronto: October 12, 2026

Last update for Loja: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Loja

$170 25.2% 87.9% $1.2K

Groceries & Markets

Toronto

$340 13.3%

Loja

$167 24.7% 50.8% $173

Eating Out

Toronto

$278 10.9%

Loja

$85 12.6% 69.5% $193

Monthly Utilities & Internet

Toronto

$201 7.8%

Loja

$58 8.6% 71.2% $143

Clothing & Footwear

Toronto

$139 5.4%

Loja

$113 16.7% 19.2% $27

Getting Around

Toronto

$129 5.1%

Loja

$38 5.7% 70.4% $91

Sport & Entertainment

Toronto

$63 2.5%

Loja

$45 6.7% 28.5% $18

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $237 in Loja. 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 651% higher in Toronto, 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 $21.00 in Loja. Monthly groceries follow the same trend: $340 vs $167 – making Loja the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇪🇨 Loja

🕒 Local time

20:29 8:29 PM

19:29 7:29 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

180,617

💱 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 Loja 5,300 km ≈ 7 h nonstop flight

From you

Toronto
Loja

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 Loja: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,561 in Toronto, $676 in Loja – roughly 279% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,841 per month in Toronto and $1,014 in Loja. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 266% less in Loja. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $830 per month in Toronto and $183 in Loja. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Loja, where all-in costs run around $676, than in Toronto at $2,561. In Loja it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Loja – 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 Loja. 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.