Last update: Oct 2026

Cost of Living Comparison Between Toronto and Owensboro, KY

For one person, living is cheaper in Owensboro, KY: $1,990 a month against $2,561 in Toronto, rent and utilities included – about $6,900 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
96

Cost of Living Index in Owensboro, KY
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Owensboro, KY Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Owensboro, KY

🇺🇸 United States

$1,990

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Owensboro, KY

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

Monthly costs for one person with rent: $2,561 in Toronto versus $1,990 in Owensboro, KY.

Toronto $2,561
Owensboro, KY $1,990

Estimated couple costs with rent: $3,694 in Toronto versus $2,922 in Owensboro, KY.

Toronto $3,694
Owensboro, KY $2,922

Monthly costs for a family of three with rent: $4,826 in Toronto versus $3,855 in Owensboro, KY.

Toronto $4,826
Owensboro, KY $3,855

Living in Toronto is roughly 29% more expensive than in Owensboro, KY, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Owensboro, KY 47% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$19.67 $19.67

-12.66%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$60.8 $60.8

24.91%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$10.19 $10.19

3.43%

Cappuccino

$4.02 CA$5.68

$5.39 $5.39

-25.42%

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

$2.12 CA$3.00

$1.93 $1.93

9.84%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.32 $1.32

32.58%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$4.09 $4.09

52.57%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$4.95 $4.95

43.23%

Milk (1 liter)

$2.44 CA$3.45

$0.80 $0.80

205.00%

White Bread (500g)

$2.68 CA$3.78

$3.20 $3.20

-16.25%

Rice (white) (1kg)

$2.24 CA$3.17

$4.49 $4.49

-50.11%

Eggs

$3.56 CA$5.03

$2.93 $2.93

21.50%

Local Cheese (1kg)

$9.09 CA$12.85

$6.65 $6.65

36.69%

Chicken Fillets (1kg)

$11.33 CA$16.01

$11.15 $11.15

1.61%

Beef Round Steak (1kg)

$14.53 CA$20.55

$12.01 $12.01

20.98%

Apples (1kg)

$3.62 CA$5.12

$4.44 $4.44

-18.47%

Banana (1kg)

$1.21 CA$1.72

$1.23 $1.23

-1.63%

Oranges (1kg)

$3.60 CA$5.09

$2.70 $2.70

33.33%

Tomato (1kg)

$4.21 CA$5.96

$3.61 $3.61

16.62%

Potato (1kg)

$1.79 CA$2.53

$2.24 $2.24

-20.09%

Onion (1kg)

$1.59 CA$2.25

$2.25 $2.25

-29.33%

Lettuce (1 head)

$2.27 CA$3.21

$1.98 $1.98

14.65%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.46 $1.46

-14.38%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$8.87 $8.87

55.81%

Wine (Bottle)

$14.27 CA$20.18

$7.82 $7.82

82.48%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.90 $1.90

15.79%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$5.08 $5.08

-52.17%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$1.02 $1.02

134.31%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$29.41 $29.41

277.18%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$5.59 $5.59

-47.94%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.03 $1.03

16.50%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$17.81 $17.81

20.04%

Gasoline (1 liter)

$1.21 CA$1.71

$0.85 $0.85

42.35%

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

$28.2K CA$39.8K

$37.4K $37.4K

-24.68%

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

$20.3K CA$28.6K

$27.0K $27.0K

-24.87%

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

$120 CA$170

$168 $168

-28.18%

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

$32.26 CA$45.60

$61.0 $61.0

-47.11%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$59.9 $59.9

-19.94%

Gym Membership (Monthly)

$38.48 CA$54.4

$50.5 $50.5

-23.74%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$9.98 $9.98

130.06%

Cinema Ticket

$12.38 CA$17.50

$13.34 $13.34

-7.20%

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

$830 CA$1,173

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$75.2 $75.2

-32.58%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$42.44 $42.44

-5.70%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$68.2 $68.2

43.61%

Men's Leather Business Shoes

$121 CA$171

$91.5 $91.5

31.87%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$857 $857

85.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$848 $848

66.37%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$1,401 $1,401

90.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,349 $1,349

59.50%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$1,690 $1,690

370.17%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$1,654 $1,654

295.49%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,316 $3,316

12.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.55

-31.76%

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

Last update for Toronto: October 12, 2026

Last update for Owensboro, KY: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Owensboro, KY

$848 42.6% 39.9% $563

Groceries & Markets

Toronto

$340 13.3%

Owensboro, KY

$312 15.7% 8.2% $28

Eating Out

Toronto

$278 10.9%

Owensboro, KY

$296 14.9% 6.4% $18

Monthly Utilities & Internet

Toronto

$201 7.8%

Owensboro, KY

$288 14.5% 43.8% $88

Clothing & Footwear

Toronto

$139 5.4%

Owensboro, KY

$125 6.3% 10.3% $14

Getting Around

Toronto

$129 5.1%

Owensboro, KY

$44 2.2% 65.8% $85

Sport & Entertainment

Toronto

$63 2.5%

Owensboro, KY

$77 3.9% 22% $14

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $857 in Owensboro, KY. Housing cost is often the main lever when comparing two cities.

Toronto pays 12% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $76.0 in Toronto vs $61.0 in Owensboro, KY for a mid-range dinner for two. Groceries echo the gap at $340 vs $312 per month, with Owensboro, KY cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Owensboro, KY

🕒 Local time

22:54 10:54 PM

21:54 9:54 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

55,525

💱 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 19, 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 19, 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 Owensboro, KY 920 km ≈ 1 h 45 min nonstop flight

From you

Toronto
Owensboro, KY

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 Owensboro, KY: Cost of Living - Frequently Asked Questions

Owensboro, KY wins on cost – living expenses run 29% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Owensboro, KY the obvious pick if budget is a priority.

Average pay runs 12% 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 $857 in Owensboro, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Owensboro, KY – a meal for two runs $61.0 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

A monthly transit pass in Owensboro, KY runs roughly 277% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,990 in Owensboro, KY versus $2,561 in Toronto, a $2,000 budget is realistic in Owensboro, KY but tight or insufficient in Toronto. The gap between the two cities makes Owensboro, KY 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 Owensboro, KY gentler on the wallet – expenses run 29% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.