Last update: Nov 2026

Cost of Living Comparison Between Toronto and Luquillo

For one person, living is cheaper in Luquillo: $1,257 a month against $2,599 in Toronto, rent and utilities included – about $16,100 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
60

Cost of Living Index in Luquillo
Learn more

Luquillo Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Luquillo

🇵🇷 Puerto Rico

$1,257

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Luquillo

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

Monthly costs for one person with rent: $2,599 in Toronto versus $1,257 in Luquillo.

Toronto $2,599
Luquillo $1,257

Estimated couple costs with rent: $3,700 in Toronto versus $2,014 in Luquillo.

Toronto $3,700
Luquillo $2,014

Monthly costs for a family of three with rent: $4,801 in Toronto versus $2,772 in Luquillo.

Toronto $4,801
Luquillo $2,772

Living in Toronto is roughly 107% more expensive than in Luquillo, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: Toronto is 92% above, Luquillo is 7% below.

Meal at Budget Restaurant

$17.98 CA$25.09

$19.14 $19.14

-6.06%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$83.3 $83.3

-13.22%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.11

$9.03 $9.03

19.93%

Cappuccino

$4.34 CA$6.06

$3.68 $3.68

17.93%

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

$2.16 CA$3.01

$1.65 $1.65

30.91%

Water (0.33 liter bottle)

$1.66 CA$2.31

$1.51 $1.51

9.93%

Local Beer (0.5 liter draught)

$6.35 CA$8.86

$3.09 $3.09

105.50%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.25

$2.30 $2.30

219.13%

Milk (1 liter)

$2.57 CA$3.59

$2.15 $2.15

19.53%

White Bread (500g)

$2.71 CA$3.78

$3.73 $3.73

-27.35%

Rice (white) (1kg)

$2.28 CA$3.18

$2.43 $2.43

-6.17%

Eggs

$3.60 CA$5.03

$7.26 $7.26

-50.41%

Local Cheese (1kg)

$8.94 CA$12.48

$12.47 $12.47

-28.31%

Chicken Fillets (1kg)

$11.19 CA$15.62

$9.49 $9.49

17.91%

Beef Round Steak (1kg)

$15.23 CA$21.25

$13.24 $13.24

15.03%

Apples (1kg)

$3.74 CA$5.23

$5.09 $5.09

-26.52%

Banana (1kg)

$1.23 CA$1.71

$2.53 $2.53

-51.38%

Oranges (1kg)

$3.58 CA$5.00

$5.00 $5.00

-28.40%

Tomato (1kg)

$4.25 CA$5.93

$4.73 $4.73

-10.15%

Potato (1kg)

$1.94 CA$2.71

$3.87 $3.87

-49.87%

Onion (1kg)

$1.67 CA$2.33

$3.88 $3.88

-56.96%

Lettuce (1 head)

$2.30 CA$3.21

$3.50 $3.50

-34.29%

Water (1.5 liter bottle)

$1.26 CA$1.76

$1.60 $1.60

-21.25%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.81

$12.18 $12.18

16.50%

Wine (Bottle)

$14.25 CA$19.89

$12.02 $12.02

18.55%

Local Beer (0.5 liter bottle)

$2.28 CA$3.18

$2.99 $2.99

-23.75%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.61

$4.12 $4.12

-37.38%

One-way Ticket (Public Transport)

$2.35 CA$3.29

Public Transport Monthly Pass (Regular Price)

$111 CA$155

Taxi Start (Normal Tariff)

$3.01 CA$4.21

$2.54 $2.54

18.50%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.48 $1.48

-17.57%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.47

$42.74 $42.74

-48.95%

Gasoline (1 liter)

$1.23 CA$1.72

$0.83 $0.83

48.19%

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

$27.0K CA$37.6K

$34.1K $34.1K

-20.97%

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

$21.8K CA$30.5K

$28.3K $28.3K

-22.88%

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

$121 CA$169

$272 $272

-55.56%

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

$33.10 CA$46.21

$69.3 $69.3

-52.26%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.5

$68.9 $68.9

-28.75%

Gym Membership (Monthly)

$36.65 CA$51.2

Tennis Court (1 Hour on Weekend)

$25.01 CA$34.91

Cinema Ticket

$12.78 CA$17.84

$10.44 $10.44

22.41%

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

$754 CA$1,053

$822 $822

-8.27%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.0K

$12.6K $12.6K

168.30%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.3

$56.3 $56.3

-10.50%

Summer Dress (H&M, Zara, etc)

$41.43 CA$57.8

$60.2 $60.2

-31.13%

Sport Shoes (Adidas, Nike)

$101 CA$141

$108 $108

-6.18%

Men's Leather Business Shoes

$130 CA$182

$114 $114

13.90%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,219

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,988

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,687

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,918

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,620

Average Monthly Net Salary (After Tax)

$3,623 CA$5,057

$4,143 $4,143

-12.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

6.55

-32.06%

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

Last update for Toronto: November 2, 2026

Last update for Luquillo: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Luquillo

- * 0% 100%

Groceries & Markets

Toronto

$345 13.3%

Luquillo

$406 32.3% 17.8% $61

Eating Out

Toronto

$290 11.2%

Luquillo

$257 20.5% 11.4% $33

Monthly Utilities & Internet

Toronto

$203 7.8%

Luquillo

$410 32.6% 102% $207

Clothing & Footwear

Toronto

$145 5.6%

Luquillo

$152 12.1% 4.8% $6.9

Getting Around

Toronto

$130 5%

Luquillo

$9.9 * 0.8% 92.3% $120

Sport & Entertainment

Toronto

$62 2.4%

Luquillo

$21 * 1.7% 66.4% $41

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

Cost Breakdown

Luquillo pays 14% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $72 in Toronto vs $83 in Luquillo for a mid-range dinner for two. Groceries echo the gap at $345 vs $406 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇵🇷 Luquillo

🕒 Local time

01:05 1:05 AM

02:05 2:05 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

20,000

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.638 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.57 CAD (1 CAD = 0.638 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Between locations

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

From you

Toronto
Luquillo

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 Luquillo: Cost of Living - Frequently Asked Questions

Luquillo is about 52% cheaper overall, especially in transport, leisure, and eating out. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 13% lower in Toronto. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Shoppers in Toronto pay roughly 15% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $2,599 per month in Toronto versus $1,257 in Luquillo – Luquillo is about 52% cheaper, which adds up to real savings over time.

At $1,257 in Luquillo versus $2,599 in Toronto, a $1,500 budget is realistic in Luquillo but tight or insufficient in Toronto. The gap between the two cities makes Luquillo the clear choice for anyone on this budget.

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.