Last update: Oct 2026

Cost of Living Comparison Between Toronto and Pharr, TX

For one person, living costs are similar in Toronto and in Pharr, TX: $2,610 and $2,582 a month, rent and utilities included.

126

Cost of Living Index in Toronto
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Toronto Living Index
125

Cost of Living Index in Pharr, TX
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Pharr, TX Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Pharr, TX

🇺🇸 United States

$2,582

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Pharr, TX

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 Pharr, TX actually costs, broken down by who's living it.

A single person spends $2,610 per month in Toronto vs $2,582 in Pharr, TX, rent included.

Toronto $2,610
Pharr, TX $2,582

A couple spends around $3,727 per month in Toronto vs $3,769 in Pharr, TX, rent included.

Toronto $3,727
Pharr, TX $3,769

A family of three spends $4,844 per month in Toronto vs $4,956 in Pharr, TX, rent included.

Toronto $4,844
Pharr, TX $4,956

Toronto costs about 1% more than Pharr, TX, and outside of rent the biggest gap is in transport.

Both Toronto and Pharr, TX sit above the global median – Toronto by 93%, Pharr, TX by 91%.

Meal at Budget Restaurant

$17.59 CA$24.87

$18.67 $18.67

-5.78%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$75.5 $75.5

4.40%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.79 $10.79

-0.56%

Cappuccino

$4.09 CA$5.78

$5.14 $5.14

-20.43%

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

$2.10 CA$2.97

$2.47 $2.47

-14.98%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.01 $2.01

-14.43%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.84 $5.84

8.90%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.06 $7.06

0.28%

Milk (1 liter)

$2.54 CA$3.59

$1.00 $1.00

154.00%

White Bread (500g)

$2.72 CA$3.85

$3.55 $3.55

-23.38%

Rice (white) (1kg)

$2.18 CA$3.09

$4.21 $4.21

-48.22%

Eggs

$3.63 CA$5.13

$4.03 $4.03

-9.93%

Local Cheese (1kg)

$9.46 CA$13.37

$12.30 $12.30

-23.09%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.22 $11.22

2.85%

Beef Round Steak (1kg)

$14.37 CA$20.32

$15.35 $15.35

-6.38%

Apples (1kg)

$3.70 CA$5.23

$4.83 $4.83

-23.40%

Banana (1kg)

$1.19 CA$1.68

$1.65 $1.65

-27.88%

Oranges (1kg)

$3.46 CA$4.90

$4.36 $4.36

-20.64%

Tomato (1kg)

$4.22 CA$5.97

$4.74 $4.74

-10.97%

Potato (1kg)

$1.79 CA$2.52

$2.76 $2.76

-35.14%

Onion (1kg)

$1.65 CA$2.33

$2.87 $2.87

-42.51%

Lettuce (1 head)

$2.20 CA$3.11

$2.07 $2.07

6.28%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.09 $2.09

-39.71%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$9.72 $9.72

43.72%

Wine (Bottle)

$14.20 CA$20.07

$13.73 $13.73

3.42%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.78 $1.78

26.40%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.41 $3.41

-25.81%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$2.03 $2.03

14.29%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$3.52 $3.52

-13.07%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.63 $1.63

-25.15%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$29.04 $29.04

-25.31%

Gasoline (1 liter)

$1.21 CA$1.72

$0.90 $0.90

34.44%

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

$26.1K CA$37.0K

$29.1K $29.1K

-10.28%

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

$21.1K CA$29.9K

$26.1K $26.1K

-19.04%

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

$120 CA$169

$186 $186

-35.72%

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

$32.21 CA$45.54

$53.8 $53.8

-40.17%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$66.7 $66.7

-26.67%

Gym Membership (Monthly)

$39.34 CA$55.6

$42.77 $42.77

-8.02%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$13.33 $13.33

-5.63%

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

$832 CA$1,176

$1,280 $1,280

-35.03%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$23.1K $23.1K

2.14%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$51.9 $51.9

0.77%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$39.93 $39.93

-1.23%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$86.9 $86.9

13.87%

Men's Leather Business Shoes

$122 CA$172

$112 $112

9.31%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,597 $1,597

2.16%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,368 $1,368

5.88%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,612 $2,612

4.80%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,250 $2,250

-5.38%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,824 $2,824

190.63%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,479 $2,479

175.78%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.51

-31.34%

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

Last update for Toronto: October 18, 2026

Last update for Pharr, TX: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Pharr, TX

$1.4K 53% 5.6% $80

Groceries & Markets

Toronto

$343 13.1%

Pharr, TX

$383 14.8% 11.8% $40

Eating Out

Toronto

$283 10.9%

Pharr, TX

$305 11.8% 7.6% $21

Monthly Utilities & Internet

Toronto

$201 7.7%

Pharr, TX

$307 11.9% 52.8% $106

Clothing & Footwear

Toronto

$141 5.4%

Pharr, TX

$131 5.1% 7.2% $10

Getting Around

Toronto

$130 5%

Pharr, TX

$20 * 0.8% 84.8% $110

Sport & Entertainment

Toronto

$65 2.5%

Pharr, TX

$69 2.7% 7.6% $4.9

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

Cost Breakdown

A central one-bedroom costs $1,631 in Toronto versus $1,597 in Pharr, TX. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $79.0 in Toronto versus $75.0 in Pharr, TX. Groceries tell a different story – $343 in Toronto vs $383 in Pharr, TX – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Pharr, TX

🕒 Local time

09:09 9:09 AM

08:09 8:09 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

61,360

💱 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 22, 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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Pharr, TX 2,580 km ≈ 3 h 45 min nonstop flight

From you

Toronto
Pharr, TX

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 Pharr, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,610 in Toronto, $2,582 in Pharr, TX – roughly 1% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,916 per month in Toronto and $3,873 in Pharr, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Pharr, TX, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,610 in Toronto and $2,582 in Pharr, TX. That's a gap of about 1%.

Kindergarten costs $832 per month in Toronto and $1,280 in Pharr, TX. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$3,000 is a stretch for both – monthly costs hit $2,610 in Toronto and $2,582 in Pharr, TX. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Pharr, TX – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Pharr, TX. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.