Last update: Oct 2026

Cost of Living Comparison Between Toronto and Old Harbour

For one person, living is cheaper in Old Harbour: $998 a month against $2,561 in Toronto, rent and utilities included – about $18,800 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
49

Cost of Living Index in Old Harbour
Learn more

Old Harbour Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Old Harbour

🇯🇲 Jamaica

$998

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Old Harbour

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

Monthly costs for one person with rent: $2,561 in Toronto versus $998 in Old Harbour.

Toronto $2,561
Old Harbour $998

Estimated couple costs with rent: $3,694 in Toronto versus $1,652 in Old Harbour.

Toronto $3,694
Old Harbour $1,652

Monthly costs for a family of three with rent: $4,826 in Toronto versus $2,305 in Old Harbour.

Toronto $4,826
Old Harbour $2,305

Living in Toronto is roughly 157% more expensive than in Old Harbour, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: Toronto is 90% above, Old Harbour is 26% below.

Meal at Budget Restaurant

$17.18 CA$24.29

$13.53 JMD 2,138

26.98%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$74.1 JMD 11.7K

2.59%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$7.93 JMD 1,253

32.91%

Cappuccino

$4.02 CA$5.68

$5.24 JMD 828

-23.28%

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

$2.12 CA$3.00

$1.20 JMD 190

76.67%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.73 JMD 115

139.73%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$2.17 JMD 343

187.56%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$3.17 JMD 500

123.66%

Milk (1 liter)

$2.44 CA$3.45

$4.03 JMD 636

-39.45%

White Bread (500g)

$2.68 CA$3.78

$3.77 JMD 595

-28.91%

Rice (white) (1kg)

$2.24 CA$3.17

$1.59 JMD 251

40.88%

Eggs

$3.56 CA$5.03

$3.47 JMD 548

2.59%

Local Cheese (1kg)

$9.09 CA$12.85

$11.28 JMD 1,783

-19.41%

Chicken Fillets (1kg)

$11.33 CA$16.01

$6.38 JMD 1,008

77.59%

Beef Round Steak (1kg)

$14.53 CA$20.55

$10.30 JMD 1,628

41.07%

Apples (1kg)

$3.62 CA$5.12

$6.09 JMD 963

-40.56%

Banana (1kg)

$1.21 CA$1.72

$3.80 JMD 601

-68.16%

Oranges (1kg)

$3.60 CA$5.09

$7.45 JMD 1,177

-51.68%

Tomato (1kg)

$4.21 CA$5.96

$3.06 JMD 484

37.58%

Potato (1kg)

$1.79 CA$2.53

$3.28 JMD 519

-45.43%

Onion (1kg)

$1.59 CA$2.25

$2.70 JMD 427

-41.11%

Lettuce (1 head)

$2.27 CA$3.21

$3.03 JMD 479

-25.08%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.45 JMD 229

-13.79%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$9.24 JMD 1,459

49.57%

Wine (Bottle)

$14.27 CA$20.18

$11.41 JMD 1,803

25.07%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.80 JMD 442

-21.43%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$4.00 JMD 633

-39.25%

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

$1.16 JMD 184

150.86%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$3.07 JMD 486

-60.91%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$6.13 JMD 968

248.78%

Gasoline (1 liter)

$1.21 CA$1.71

$1.47 JMD 232

-17.69%

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

$28.2K CA$39.8K

$44.8K JMD 7.1M

-37.08%

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

$20.3K CA$28.6K

$32.8K JMD 5.2M

-38.28%

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

$120 CA$170

$164 JMD 26.0K

-26.74%

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

$32.26 CA$45.60

$29.43 JMD 4,650

9.62%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$53.0 JMD 8,374

-9.57%

Gym Membership (Monthly)

$38.48 CA$54.4

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$13.05 JMD 2,062

-5.13%

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

$830 CA$1,173

$361 JMD 57.0K

130.04%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$8,389 JMD 1.3M

175.25%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$23.49 JMD 3,710

115.88%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$31.98 JMD 5,053

25.14%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$76.2 JMD 12.0K

28.64%

Men's Leather Business Shoes

$121 CA$171

$104 JMD 16.4K

16.10%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

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

9.45

-52.70%

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

Last update for Toronto: October 12, 2026

Last update for Old Harbour: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Old Harbour

- * 0% 100%

Groceries & Markets

Toronto

$340 13.3%

Old Harbour

$383 38.4% 12.7% $43

Eating Out

Toronto

$278 10.9%

Old Harbour

$220 22% 21% $58

Monthly Utilities & Internet

Toronto

$201 7.8%

Old Harbour

$247 24.7% 23% $46

Clothing & Footwear

Toronto

$139 5.4%

Old Harbour

$106 10.6% 23.9% $33

Getting Around

Toronto

$129 5.1%

Old Harbour

$17 * 1.7% 87.2% $113

Sport & Entertainment

Toronto

$63 2.5%

Old Harbour

$26 * 2.6% 58.7% $37

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

Cost Breakdown

Dining out: $76.0 in Toronto vs $74.0 in Old Harbour. Groceries flip the comparison at $340 vs $383, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇯🇲 Old Harbour

🕒 Local time

17:47 5:47 PM

16:47 4:47 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

26,024

💱 Currency

Canadian Dollar CAD $

Jamaican Dollar JMD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1,000 JMD = 6.33 USD

1,000 JMD = 5.63 EUR

Exchange rates and currency converter

JMD, 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).

Jamaican Dollar exchange rates as of October 18, 2026: 1 USD = 158 JMD (1,000 JMD = 6.33 USD). 1 EUR = 178 JMD (1,000 JMD = 5.63 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Old Harbour 2,870 km ≈ 4 h nonstop flight

From you

Toronto
Old Harbour

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 Old Harbour: Cost of Living - Frequently Asked Questions

Toronto and Old Harbour differ by about 157% in total monthly costs ($2,561 vs $998 including rent). Old Harbour is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,841 in Toronto and $1,497 in Old Harbour to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Childcare runs $830 in Toronto versus $361 in Old Harbour. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Old Harbour – a meal for two runs $74.0 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $998 in Old Harbour versus $2,561 in Toronto, a $2,000 budget is realistic in Old Harbour but tight or insufficient in Toronto. The gap between the two cities makes Old Harbour 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.

Expats usually find Old Harbour gentler on the wallet – expenses run 157% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.