Last update: Oct 2026

Cost of Living Comparison Between Toronto and Oxnard, CA

For one person, living is cheaper in Toronto: $2,561 a month against $3,186 in Oxnard, CA, rent and utilities included – about $7,500 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
156

Cost of Living Index in Oxnard, CA
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Oxnard, CA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Oxnard, CA

🇺🇸 United States

$3,186

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,561 in Toronto versus $3,186 in Oxnard, CA.

Toronto $2,561
Oxnard, CA $3,186

Estimated couple costs with rent: $3,694 in Toronto versus $4,226 in Oxnard, CA.

Toronto $3,694
Oxnard, CA $4,226

Monthly costs for a family of three with rent: $4,826 in Toronto versus $5,265 in Oxnard, CA.

Toronto $4,826
Oxnard, CA $5,265

Living in Toronto costs roughly 20% less than in Oxnard, CA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 90% above, Oxnard, CA 136% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$20.32 $20.32

-15.45%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$65.1 $65.1

16.70%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$11.71 $11.71

-9.99%

Cappuccino

$4.02 CA$5.68

$5.76 $5.76

-30.21%

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

$2.12 CA$3.00

$2.69 $2.69

-21.19%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.03 $2.03

-13.79%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$8.07 $8.07

-22.68%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$9.48 $9.48

-25.21%

Milk (1 liter)

$2.44 CA$3.45

$1.19 $1.19

105.04%

White Bread (500g)

$2.68 CA$3.78

$5.71 $5.71

-53.06%

Rice (white) (1kg)

$2.24 CA$3.17

$4.30 $4.30

-47.91%

Eggs

$3.56 CA$5.03

$4.98 $4.98

-28.51%

Local Cheese (1kg)

$9.09 CA$12.85

$12.34 $12.34

-26.34%

Chicken Fillets (1kg)

$11.33 CA$16.01

$20.32 $20.32

-44.24%

Beef Round Steak (1kg)

$14.53 CA$20.55

$13.99 $13.99

3.86%

Apples (1kg)

$3.62 CA$5.12

$4.39 $4.39

-17.54%

Banana (1kg)

$1.21 CA$1.72

$1.78 $1.78

-32.02%

Oranges (1kg)

$3.60 CA$5.09

$4.15 $4.15

-13.25%

Tomato (1kg)

$4.21 CA$5.96

$6.60 $6.60

-36.21%

Potato (1kg)

$1.79 CA$2.53

$3.58 $3.58

-50.00%

Onion (1kg)

$1.59 CA$2.25

$1.96 $1.96

-18.88%

Lettuce (1 head)

$2.27 CA$3.21

$2.39 $2.39

-5.02%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.19 $2.19

-42.92%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$9.88 $9.88

39.88%

Wine (Bottle)

$14.27 CA$20.18

$14.85 $14.85

-3.91%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.78 $1.78

23.60%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.25 $3.25

-25.23%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$1.48 $1.48

61.49%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$4.38 $4.38

-33.56%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.82 $1.82

-34.07%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$35.90 $35.90

-40.45%

Gasoline (1 liter)

$1.21 CA$1.71

$1.29 $1.29

-6.20%

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

$28.2K CA$39.8K

$37.6K $37.6K

-25.07%

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

$20.3K CA$28.6K

$25.7K $25.7K

-21.15%

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

$120 CA$170

$129 $129

-6.55%

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

$32.26 CA$45.60

$53.2 $53.2

-39.36%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$69.4 $69.4

-30.95%

Gym Membership (Monthly)

$38.48 CA$54.4

$61.6 $61.6

-37.53%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$11.77 $11.77

5.18%

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

$830 CA$1,173

$1,187 $1,187

-30.06%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$42.6K $42.6K

-45.83%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$37.90 $37.90

33.80%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$41.18 $41.18

-2.82%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$59.1 $59.1

65.91%

Men's Leather Business Shoes

$121 CA$171

$81.0 $81.0

48.93%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,995 $1,995

-20.20%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,922 $1,922

-26.63%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$3,359 $3,359

-20.52%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$2,445 $2,445

-12.01%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$5,838 $5,838

36.09%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$5,922 $5,922

10.48%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,379 $3,379

10.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.1

-26.72%

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

Last update for Toronto: October 12, 2026

Last update for Oxnard, CA: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Oxnard, CA

$1.9K 60.3% 36.3% $512

Groceries & Markets

Toronto

$340 13.3%

Oxnard, CA

$465 14.6% 36.8% $125

Eating Out

Toronto

$278 10.9%

Oxnard, CA

$345 10.8% 24% $67

Monthly Utilities & Internet

Toronto

$201 7.8%

Oxnard, CA

$251 7.9% 25.4% $51

Clothing & Footwear

Toronto

$139 5.4%

Oxnard, CA

$99 3.1% 29.2% $41

Getting Around

Toronto

$129 5.1%

Oxnard, CA

$19 * 0.6% 85% $110

Sport & Entertainment

Toronto

$63 2.5%

Oxnard, CA

$85 2.7% 34.7% $22

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 $1,995 in Oxnard, CA. Housing cost is often the main lever when comparing two cities.

Toronto pays 10% 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 $65.0 in Oxnard, CA. Groceries flip the comparison at $340 vs $465, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Oxnard, CA

🕒 Local time

21:22 9:22 PM

18:22 6:22 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

207,254

💱 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 Oxnard, CA 3,560 km ≈ 5 h nonstop flight

From you

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

Toronto is cheaper overall, especially in groceries, eating out, and utilities. The 24% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 10% 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 $1,995 in Oxnard, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 37% higher in Oxnard, CA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,561 per month in Toronto versus $3,186 in Oxnard, CA – a 24% gap that adds up to real savings over time for anyone picking the cheaper option.

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 24% less than in Oxnard, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.