Last update: Oct 2026

Cost of Living Comparison Between Toronto and Ludhiana

For one person, living is cheaper in Ludhiana: $473 a month against $2,561 in Toronto, rent and utilities included – about $25,100 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
23

Cost of Living Index in Ludhiana
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Ludhiana Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Ludhiana

🇮🇳 India

$473

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Ludhiana

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

A single person spends $2,561 per month in Toronto vs $473 in Ludhiana, rent included.

Toronto $2,561
Ludhiana $473

A couple spends around $3,694 per month in Toronto vs $814 in Ludhiana, rent included.

Toronto $3,694
Ludhiana $814

A family of three spends $4,826 per month in Toronto vs $1,156 in Ludhiana, rent included.

Toronto $4,826
Ludhiana $1,156

Toronto costs about 441% more than Ludhiana, and outside of rent the biggest gap is in groceries.

Toronto sits 90% above the global median, while Ludhiana is 65% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$17.18 CA$24.29

$3.33 ₹316

415.92%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$10.62 ₹1,009

615.35%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$3.61 ₹343

191.97%

Cappuccino

$4.02 CA$5.68

$1.99 ₹189

102.01%

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

$2.12 CA$3.00

$0.40 ₹38.42

430.00%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.23 ₹21.69

660.87%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$1.69 ₹161

269.23%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$3.56 ₹338

99.16%

Milk (1 liter)

$2.44 CA$3.45

$0.74 ₹69.8

229.73%

White Bread (500g)

$2.68 CA$3.78

$0.51 ₹48.89

425.49%

Rice (white) (1kg)

$2.24 CA$3.17

$0.84 ₹79.5

166.67%

Eggs

$3.56 CA$5.03

$0.83 ₹78.4

328.92%

Local Cheese (1kg)

$9.09 CA$12.85

$3.80 ₹361

139.21%

Chicken Fillets (1kg)

$11.33 CA$16.01

$3.07 ₹291

269.06%

Beef Round Steak (1kg)

$14.53 CA$20.55

Apples (1kg)

$3.62 CA$5.12

$2.02 ₹192

79.21%

Banana (1kg)

$1.21 CA$1.72

$0.63 ₹59.4

92.06%

Oranges (1kg)

$3.60 CA$5.09

$0.80 ₹75.8

350.00%

Tomato (1kg)

$4.21 CA$5.96

$0.38 ₹36.45

1007.89%

Potato (1kg)

$1.79 CA$2.53

$0.28 ₹26.63

539.29%

Onion (1kg)

$1.59 CA$2.25

$0.29 ₹27.14

448.28%

Lettuce (1 head)

$2.27 CA$3.21

$0.43 ₹41.27

427.91%

Water (1.5 liter bottle)

$1.25 CA$1.77

$0.33 ₹31.15

278.79%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$3.48 ₹331

297.13%

Wine (Bottle)

$14.27 CA$20.18

$12.47 ₹1,184

14.43%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.78 ₹169

23.60%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.10 ₹294

-21.61%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$8.04 ₹764

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.54 ₹51.3

342.59%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$15.43 ₹1,466

618.92%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$1.59 ₹151

83.02%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.41 ₹38.64

192.68%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$2.06 ₹196

937.86%

Gasoline (1 liter)

$1.21 CA$1.71

$1.10 ₹104

10.00%

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

$28.2K CA$39.8K

$16.9K ₹1.6M

67.18%

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

$20.3K CA$28.6K

$22.3K ₹2.1M

-9.06%

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

$120 CA$170

$53.1 ₹5,040

126.73%

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

$32.26 CA$45.60

$3.05 ₹290

957.70%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$5.73 ₹545

736.47%

Gym Membership (Monthly)

$38.48 CA$54.4

$15.19 ₹1,442

153.32%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$4.66 ₹443

392.70%

Cinema Ticket

$12.38 CA$17.50

$3.69 ₹351

235.50%

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

$830 CA$1,173

$71.8 ₹6,814

1056.56%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$1,428 ₹135.6K

1516.76%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$21.52 ₹2,044

135.64%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$39.84 ₹3,783

0.45%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$69.1 ₹6,566

41.70%

Men's Leather Business Shoes

$121 CA$171

$36.19 ₹3,437

233.38%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$172 ₹16.4K

824.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$101 ₹9,603

1294.59%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$419 ₹39.8K

537.41%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$388 ₹36.8K

454.52%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$599 ₹56.9K

1225.97%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$489 ₹46.4K

1238.37%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$424 ₹40.3K

778.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

9.17

-51.25%

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

Last update for Toronto: October 12, 2026

Last update for Ludhiana: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Ludhiana

$101 21.4% 92.8% $1.3K

Groceries & Markets

Toronto

$340 13.3%

Ludhiana

$112 23.7% 67% $228

Eating Out

Toronto

$278 10.9%

Ludhiana

$79 16.8% 71.4% $199

Monthly Utilities & Internet

Toronto

$201 7.8%

Ludhiana

$62 13.1% 69.2% $139

Clothing & Footwear

Toronto

$139 5.4%

Ludhiana

$75 15.9% 46.1% $64

Getting Around

Toronto

$129 5.1%

Ludhiana

$21 4.5% 83.6% $108

Sport & Entertainment

Toronto

$63 2.5%

Ludhiana

$23 4.8% 64.3% $41

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $172 in Ludhiana. 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 779% 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 $11.00 in Ludhiana. Monthly groceries follow the same trend: $340 vs $112 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇮🇳 Ludhiana

🕒 Local time

22:02 10:02 PM

07:32 7:32 AM

9 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

2,232,000

💱 Currency

Canadian Dollar CAD $

Indian Rupee INR ₹

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, 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).

Indian Rupee exchange rates as of October 18, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Ludhiana 11,350 km ≈ 15 h nonstop flight

From you

Toronto
Ludhiana

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 Ludhiana: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,561 in Toronto, $473 in Ludhiana – roughly 441% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,841 per month in Toronto and $710 in Ludhiana. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $830 per month in Toronto and $71.8 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 203% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Ludhiana, where all-in costs run around $473, than in Toronto at $2,561. In Ludhiana it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Ludhiana – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Ludhiana. 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.