Last update: Oct 2026

Cost of Living Comparison Between Toronto and Oak Harbor, WA

For one person, living is cheaper in Toronto: $2,561 a month against $3,280 in Oak Harbor, WA, rent and utilities included – about $8,600 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
159

Cost of Living Index in Oak Harbor, WA
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Oak Harbor, WA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Oak Harbor, WA

🇺🇸 United States

$3,280

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Oak Harbor, WA

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 Oak Harbor, WA actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,561 in Toronto versus $3,280 in Oak Harbor, WA.

Toronto $2,561
Oak Harbor, WA $3,280

Estimated couple costs with rent: $3,694 in Toronto versus $4,561 in Oak Harbor, WA.

Toronto $3,694
Oak Harbor, WA $4,561

Monthly costs for a family of three with rent: $4,826 in Toronto versus $5,843 in Oak Harbor, WA.

Toronto $4,826
Oak Harbor, WA $5,843

Living in Toronto costs roughly 22% less than in Oak Harbor, WA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 90% above, Oak Harbor, WA 143% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$18.15 $18.15

-5.34%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$69.4 $69.4

9.47%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$18.78 $18.78

-43.88%

Cappuccino

$4.02 CA$5.68

$5.40 $5.40

-25.56%

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

$2.12 CA$3.00

$2.43 $2.43

-12.76%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.58 $1.58

10.76%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$8.06 $8.06

-22.58%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$7.29 $7.29

-2.74%

Milk (1 liter)

$2.44 CA$3.45

$1.63 $1.63

49.69%

White Bread (500g)

$2.68 CA$3.78

$4.59 $4.59

-41.61%

Rice (white) (1kg)

$2.24 CA$3.17

$6.49 $6.49

-65.49%

Eggs

$3.56 CA$5.03

$5.57 $5.57

-36.09%

Local Cheese (1kg)

$9.09 CA$12.85

$20.14 $20.14

-54.87%

Chicken Fillets (1kg)

$11.33 CA$16.01

$12.98 $12.98

-12.71%

Beef Round Steak (1kg)

$14.53 CA$20.55

$24.75 $24.75

-41.29%

Apples (1kg)

$3.62 CA$5.12

$8.01 $8.01

-54.81%

Banana (1kg)

$1.21 CA$1.72

$1.32 $1.32

-8.33%

Oranges (1kg)

$3.60 CA$5.09

$6.90 $6.90

-47.83%

Tomato (1kg)

$4.21 CA$5.96

$6.79 $6.79

-38.00%

Potato (1kg)

$1.79 CA$2.53

$4.18 $4.18

-57.18%

Onion (1kg)

$1.59 CA$2.25

$4.63 $4.63

-65.66%

Lettuce (1 head)

$2.27 CA$3.21

$2.52 $2.52

-9.92%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.22 $2.22

-43.69%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$9.79 $9.79

41.16%

Wine (Bottle)

$14.27 CA$20.18

$14.51 $14.51

-1.65%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.78 $2.78

-20.86%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.94 $3.94

-38.32%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$2.02 $2.02

18.32%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$29.85 $29.85

271.62%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.26 $3.26

-10.74%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.53 $1.53

-21.57%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$29.59 $29.59

-27.75%

Gasoline (1 liter)

$1.21 CA$1.71

$1.16 $1.16

4.31%

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

$28.2K CA$39.8K

$36.0K $36.0K

-21.76%

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

$20.3K CA$28.6K

$26.1K $26.1K

-22.39%

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

$120 CA$170

$378 $378

-68.15%

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

$32.26 CA$45.60

$63.4 $63.4

-49.15%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$97.3 $97.3

-50.76%

Gym Membership (Monthly)

$38.48 CA$54.4

$34.66 $34.66

11.02%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$14.76 $14.76

-16.12%

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

$830 CA$1,173

$1,503 $1,503

-44.80%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$23.0K $23.0K

0.44%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$58.2 $58.2

-12.90%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$38.18 $38.18

4.82%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$132 $132

-25.72%

Men's Leather Business Shoes

$121 CA$171

$195 $195

-38.02%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$2,343 $2,343

-32.05%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,571 $1,571

-10.25%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$3,239 $3,239

-17.58%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$2,344 $2,344

-8.22%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$4,045 $4,045

96.42%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$4,142 $4,142

57.95%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,295 $3,295

13.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

-36.14%

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

Last update for Toronto: October 12, 2026

Last update for Oak Harbor, WA: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Oak Harbor, WA

$1.6K 47.9% 11.4% $161

Groceries & Markets

Toronto

$340 13.3%

Oak Harbor, WA

$529 16.1% 55.7% $189

Eating Out

Toronto

$278 10.9%

Oak Harbor, WA

$337 10.3% 21.2% $59

Monthly Utilities & Internet

Toronto

$201 7.8%

Oak Harbor, WA

$539 16.4% 169% $338

Clothing & Footwear

Toronto

$139 5.4%

Oak Harbor, WA

$190 5.8% 36.7% $51

Getting Around

Toronto

$129 5.1%

Oak Harbor, WA

$49 1.5% 62.2% $81

Sport & Entertainment

Toronto

$63 2.5%

Oak Harbor, WA

$64 2% 1.5% $1

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $2,343 in Oak Harbor, WA. Housing cost is often the main lever when comparing two cities.

Toronto pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Toronto vs $69.0 in Oak Harbor, WA. Groceries flip the comparison at $340 vs $529, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Oak Harbor, WA

🕒 Local time

11:43 11:43 AM

08:43 8:43 AM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

24,622

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.889 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 = 0.889 EUR).

USD to CAD in detail →

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Toronto Oak Harbor, WA 3,340 km ≈ 4 h 45 min nonstop flight

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Toronto
Oak Harbor, WA

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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 Oak Harbor, WA: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 28% lower than in Oak Harbor, WA. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

Average pay runs 13% higher in Toronto, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,592 in Toronto versus $2,343 in Oak Harbor, WA. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 56% higher in Oak Harbor, WA. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Toronto – a meal for two runs $76.0 versus $69.0 in Oak Harbor, WA. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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.

Safety-wise, Toronto and Oak Harbor, WA are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Toronto gentler on the wallet – expenses run 28% less than in Oak Harbor, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.