Last update: Oct 2026

Cost of Living Comparison Between Toronto and Ontario, CA

For one person, living is cheaper in Toronto: $2,561 a month against $2,867 in Ontario, CA, rent and utilities included – about $3,700 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
139

Cost of Living Index in Ontario, CA
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Ontario, CA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Ontario, CA

🇺🇸 United States

$2,867

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,561 in Toronto versus $2,867 in Ontario, CA.

Toronto $2,561
Ontario, CA $2,867

Estimated couple costs with rent: $3,694 in Toronto versus $2,937 in Ontario, CA.

Toronto $3,694
Ontario, CA $2,937

Monthly costs for a family of three with rent: $4,826 in Toronto versus $3,007 in Ontario, CA.

Toronto $4,826
Ontario, CA $3,007

Living in Toronto costs roughly 11% less than in Ontario, CA, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Ontario, CA 112% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$19.91 $19.91

-13.71%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$78.2 $78.2

-2.83%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$15.13 $15.13

-30.34%

Cappuccino

$4.02 CA$5.68

$5.64 $5.64

-28.72%

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

$2.12 CA$3.00

$3.09 $3.09

-31.39%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.31 $2.31

-24.24%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$7.26 $7.26

-14.05%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$9.37 $9.37

-24.33%

Milk (1 liter)

$2.44 CA$3.45

$1.04 $1.04

134.62%

White Bread (500g)

$2.68 CA$3.78

$4.00 $4.00

-33.00%

Rice (white) (1kg)

$2.24 CA$3.17

$4.79 $4.79

-53.24%

Eggs

$3.56 CA$5.03

$4.57 $4.57

-22.10%

Local Cheese (1kg)

$9.09 CA$12.85

$12.97 $12.97

-29.92%

Chicken Fillets (1kg)

$11.33 CA$16.01

$8.85 $8.85

28.02%

Beef Round Steak (1kg)

$14.53 CA$20.55

$15.66 $15.66

-7.22%

Apples (1kg)

$3.62 CA$5.12

$4.62 $4.62

-21.65%

Banana (1kg)

$1.21 CA$1.72

$1.70 $1.70

-28.82%

Oranges (1kg)

$3.60 CA$5.09

$3.97 $3.97

-9.32%

Tomato (1kg)

$4.21 CA$5.96

$5.54 $5.54

-24.01%

Potato (1kg)

$1.79 CA$2.53

$3.59 $3.59

-50.14%

Onion (1kg)

$1.59 CA$2.25

$2.31 $2.31

-31.17%

Lettuce (1 head)

$2.27 CA$3.21

$1.98 $1.98

14.65%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.92 $1.92

-34.90%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$11.56 $11.56

19.55%

Wine (Bottle)

$14.27 CA$20.18

$14.76 $14.76

-3.32%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.94 $1.94

13.40%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$4.13 $4.13

-41.16%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$1.54 $1.54

55.19%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$29.84 $29.84

271.75%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$6.08 $6.08

-52.14%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

Gasoline (1 liter)

$1.21 CA$1.71

$1.53 $1.53

-20.92%

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

$28.2K CA$39.8K

$37.1K $37.1K

-23.98%

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

$20.3K CA$28.6K

$26.9K $26.9K

-24.73%

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

$120 CA$170

$222 $222

-45.69%

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

$32.26 CA$45.60

$68.7 $68.7

-53.04%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$61.8 $61.8

-22.49%

Gym Membership (Monthly)

$38.48 CA$54.4

$64.0 $64.0

-39.88%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$28.79 $28.79

-20.25%

Cinema Ticket

$12.38 CA$17.50

$17.89 $17.89

-30.80%

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

$830 CA$1,173

$1,164 $1,164

-28.68%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$58.3 $58.3

-13.05%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$40.76 $40.76

-1.82%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$91.3 $91.3

7.33%

Men's Leather Business Shoes

$121 CA$171

$104 $104

15.80%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,900 $1,900

-16.19%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,503 $1,503

-6.14%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,646 $2,646

0.89%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$3,989 $3,989

99.18%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$3,666 $3,666

78.47%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,613 $3,613

3.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.39

-30.05%

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

Last update for Toronto: October 12, 2026

Last update for Ontario, CA: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Ontario, CA

$1.5K 52.4% 6.5% $92

Groceries & Markets

Toronto

$340 13.3%

Ontario, CA

$389 13.6% 14.4% $49

Eating Out

Toronto

$278 10.9%

Ontario, CA

$349 12.2% 25.5% $71

Monthly Utilities & Internet

Toronto

$201 7.8%

Ontario, CA

$352 12.3% 75.6% $152

Clothing & Footwear

Toronto

$139 5.4%

Ontario, CA

$133 4.6% 4.8% $6.7

Getting Around

Toronto

$129 5.1%

Ontario, CA

$42 * 1.5% 67.5% $87

Sport & Entertainment

Toronto

$63 2.5%

Ontario, CA

$100 3.5% 57.8% $37

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $1,900 in Ontario, CA. Housing cost is often the main lever when comparing two cities.

Toronto pays 3% 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 $78.0 in Ontario, CA for a mid-range dinner for two. Groceries echo the gap at $340 vs $389 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Ontario, CA

🕒 Local time

22:01 10:01 PM

19:01 7:01 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

185,000

💱 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 18, 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 18, 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 Ontario, CA 3,450 km ≈ 4 h 45 min nonstop flight

From you

Toronto
Ontario, 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 Ontario, CA: Cost of Living - Frequently Asked Questions

Toronto is cheaper overall, especially in groceries, eating out, and utilities. The 12% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 3% 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 $1,900 in Ontario, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $830 in Toronto versus $1,164 in Ontario, CA. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 14% higher in Ontario, CA. For households that cook at home regularly, that difference adds up over a month.

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.

Expats usually find Toronto gentler on the wallet – expenses run 12% less than in Ontario, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.