Last update: Oct 2026

Cost of Living Comparison Between Toronto and Los Gatos, CA

For one person, living is cheaper in Toronto: $2,561 a month against $4,903 in Los Gatos, CA, rent and utilities included – about $28,100 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
236

Cost of Living Index in Los Gatos, CA
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Los Gatos, CA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Los Gatos, CA

🇺🇸 United States

$4,903

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Los Gatos, 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 Los Gatos, CA actually costs, broken down by who's living it.

A single person spends $2,561 per month in Toronto vs $4,903 in Los Gatos, CA, rent included.

Toronto $2,561
Los Gatos, CA $4,903

A couple spends around $3,694 per month in Toronto vs $7,295 in Los Gatos, CA, rent included.

Toronto $3,694
Los Gatos, CA $7,295

A family of three spends $4,826 per month in Toronto vs $9,686 in Los Gatos, CA, rent included.

Toronto $4,826
Los Gatos, CA $9,686

Toronto is about 48% cheaper than Los Gatos, CA, and outside of rent the biggest gap is in groceries.

Both Toronto and Los Gatos, CA sit above the global median – Toronto by 90%, Los Gatos, CA by 263%.

Meal at Budget Restaurant

$17.18 CA$24.29

$25.15 $25.15

-31.69%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$98.6 $98.6

-22.92%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$14.88 $14.88

-29.17%

Cappuccino

$4.02 CA$5.68

$6.50 $6.50

-38.15%

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

$2.12 CA$3.00

$3.04 $3.04

-30.26%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.45 $2.45

-28.57%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$8.07 $8.07

-22.68%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$8.20 $8.20

-13.54%

Milk (1 liter)

$2.44 CA$3.45

$1.28 $1.28

90.62%

White Bread (500g)

$2.68 CA$3.78

$4.41 $4.41

-39.23%

Rice (white) (1kg)

$2.24 CA$3.17

$4.80 $4.80

-53.33%

Eggs

$3.56 CA$5.03

$6.56 $6.56

-45.73%

Local Cheese (1kg)

$9.09 CA$12.85

$24.81 $24.81

-63.36%

Chicken Fillets (1kg)

$11.33 CA$16.01

$11.69 $11.69

-3.08%

Beef Round Steak (1kg)

$14.53 CA$20.55

$13.00 $13.00

11.77%

Apples (1kg)

$3.62 CA$5.12

$5.58 $5.58

-35.13%

Banana (1kg)

$1.21 CA$1.72

$3.10 $3.10

-60.97%

Oranges (1kg)

$3.60 CA$5.09

$4.86 $4.86

-25.93%

Tomato (1kg)

$4.21 CA$5.96

$5.70 $5.70

-26.14%

Potato (1kg)

$1.79 CA$2.53

$3.39 $3.39

-47.20%

Onion (1kg)

$1.59 CA$2.25

$3.88 $3.88

-59.02%

Lettuce (1 head)

$2.27 CA$3.21

$3.06 $3.06

-25.82%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.72 $2.72

-54.04%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$7.36 $7.36

87.77%

Wine (Bottle)

$14.27 CA$20.18

$12.81 $12.81

11.40%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.15 $2.15

2.33%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.55 $2.55

-4.71%

One-way Ticket (Public Transport)

$2.39 CA$3.38

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.97 $3.97

-26.70%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$4.98 $4.98

-75.90%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

Gasoline (1 liter)

$1.21 CA$1.71

$1.57 $1.57

-22.93%

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

$28.2K CA$39.8K

$30.2K $30.2K

-6.71%

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

$20.3K CA$28.6K

$26.4K $26.4K

-23.30%

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

$120 CA$170

$374 $374

-67.86%

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

$32.26 CA$45.60

$58.0 $58.0

-44.36%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$61.8 $61.8

-22.39%

Gym Membership (Monthly)

$38.48 CA$54.4

$147 $147

-73.79%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$17.05 $17.05

-27.39%

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

$830 CA$1,173

$2,282 $2,282

-63.63%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$24.0K $24.0K

-3.94%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$52.0 $52.0

-2.48%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$39.24 $39.24

1.99%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$75.1 $75.1

30.44%

Men's Leather Business Shoes

$121 CA$171

$60.3 $60.3

100.25%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$3,440 $3,440

-53.72%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$3,222 $3,222

-56.23%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$6,089 $6,089

-64.67%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$3,511 $3,511

126.32%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.69

-33.18%

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

Last update for Toronto: October 12, 2026

Last update for Los Gatos, CA: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Los Gatos, CA

$3.2K 65.7% 128% $1.8K

Groceries & Markets

Toronto

$340 13.3%

Los Gatos, CA

$473 9.6% 39.2% $133

Eating Out

Toronto

$278 10.9%

Los Gatos, CA

$403 8.2% 44.7% $124

Monthly Utilities & Internet

Toronto

$201 7.8%

Los Gatos, CA

$494 10.1% 146% $294

Clothing & Footwear

Toronto

$139 5.4%

Los Gatos, CA

$102 2.1% 26.8% $37

Getting Around

Toronto

$129 5.1%

Los Gatos, CA

$29 * 0.6% 77.7% $101

Sport & Entertainment

Toronto

$63 2.5%

Los Gatos, CA

$181 3.7% 186% $118

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 $3,440 in Los Gatos, CA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $76.0 in Toronto versus $99.0 in Los Gatos, CA. Monthly groceries follow the same trend: $340 vs $473 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Los Gatos, CA

🕒 Local time

18:08 6:08 PM

15:08 3:08 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

30,222

💱 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 17, 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 17, 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 Los Gatos, CA 3,630 km ≈ 5 h nonstop flight

From you

Toronto
Los Gatos, 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 Los Gatos, CA: Cost of Living - Frequently Asked Questions

Los Gatos, CA costs about 91% more than Toronto, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,841 per month in Toronto and $7,355 in Los Gatos, 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.

A mid-range dinner for two costs $76.0 in Toronto and $99.0 in Los Gatos, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 39% more in Los Gatos, CA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,500 is a stretch for both – monthly costs hit $2,561 in Toronto and $4,903 in Los Gatos, CA. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – 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 Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, Los Gatos, CA makes more sense. Both are solid long-term options with distinct trade-offs.