Last update: Nov 2026

Cost of Living Comparison Between Toronto and Philipsburg

For one person, living is cheaper in Toronto: $2,599 a month against $3,119 in Philipsburg, rent and utilities included – about $6,200 less a year. Higher rent and utilities in Philipsburg outweigh lower spending on other living expenses.

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Cost of Living Index in Toronto
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Toronto Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Philipsburg

🇸🇽 Sint Maarten

$3,119

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Philipsburg

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

Monthly costs for one person with rent: $2,599 in Toronto versus $3,119 in Philipsburg.

Toronto $2,599
Philipsburg $3,119

Estimated couple costs with rent: $3,700 in Toronto versus $6,130 in Philipsburg.

Toronto $3,700
Philipsburg $6,130

Monthly costs for a family of three with rent: $4,801 in Toronto versus $9,141 in Philipsburg.

Toronto $4,801
Philipsburg $9,141

Living in Toronto costs roughly 17% less than in Philipsburg, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 92% above, Philipsburg 131% above.

Meal at Budget Restaurant

$17.98 CA$25.20

$15.25 ANG 27.30

17.90%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$70.0 ANG 125

3.21%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$8.19 ANG 14.66

32.23%

Cappuccino

$4.34 CA$6.09

$4.36 ANG 7.80

-0.46%

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

$2.16 CA$3.03

$2.85 ANG 5.11

-24.21%

Water (0.33 liter bottle)

$1.66 CA$2.32

$4.01 ANG 7.18

-58.60%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$2.92 ANG 5.22

117.47%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$6.41 ANG 11.47

14.51%

Milk (1 liter)

$2.57 CA$3.60

$2.92 ANG 5.23

-11.99%

White Bread (500g)

$2.71 CA$3.79

$2.60 ANG 4.65

4.23%

Rice (white) (1kg)

$2.28 CA$3.19

$2.47 ANG 4.43

-7.69%

Eggs

$3.60 CA$5.05

$6.58 ANG 11.78

-45.29%

Local Cheese (1kg)

$8.94 CA$12.54

$18.77 ANG 33.59

-52.37%

Chicken Fillets (1kg)

$11.19 CA$15.69

$14.04 ANG 25.14

-20.30%

Beef Round Steak (1kg)

$15.23 CA$21.34

$15.10 ANG 27.04

0.86%

Apples (1kg)

$3.74 CA$5.25

$5.24 ANG 9.38

-28.63%

Banana (1kg)

$1.23 CA$1.72

$5.27 ANG 9.43

-76.66%

Oranges (1kg)

$3.58 CA$5.02

$9.04 ANG 16.17

-60.40%

Tomato (1kg)

$4.25 CA$5.96

$7.56 ANG 13.53

-43.78%

Potato (1kg)

$1.94 CA$2.72

$3.88 ANG 6.95

-50.00%

Onion (1kg)

$1.67 CA$2.34

$3.99 ANG 7.14

-58.15%

Lettuce (1 head)

$2.30 CA$3.22

$4.94 ANG 8.85

-53.44%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.30 ANG 2.33

-3.08%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$8.09 ANG 14.47

75.40%

Wine (Bottle)

$14.25 CA$19.97

$10.94 ANG 19.59

30.26%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$5.10 ANG 9.13

-55.29%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

One-way Ticket (Public Transport)

$2.35 CA$3.30

$2.22 ANG 3.97

5.86%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$1.46 ANG 2.62

7501.37%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$15.16 ANG 27.13

-80.15%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

Gasoline (1 liter)

$1.23 CA$1.73

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

$27.0K CA$37.8K

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

$21.8K CA$30.6K

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

$121 CA$169

$152 ANG 272

-20.60%

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

$33.10 CA$46.40

$32.07 ANG 57.4

3.21%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$66.1 ANG 118

-25.71%

Gym Membership (Monthly)

$36.65 CA$51.4

$62.8 ANG 112

-41.61%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

$10.83 ANG 19.38

18.01%

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

$754 CA$1,058

$246 ANG 440

206.83%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$12.2K ANG 21.8K

176.93%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

Sport Shoes (Adidas, Nike)

$101 CA$142

Men's Leather Business Shoes

$130 CA$183

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$2,120 ANG 3,795

-25.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$2,008 ANG 3,594

-29.07%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$6,575 ANG 11.8K

-59.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$6,612 ANG 11.8K

-68.39%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$1,137 ANG 2,036

218.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

-11.00%

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

Last update for Toronto: November 2, 2026

Last update for Philipsburg: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Philipsburg

–

Groceries & Markets

Toronto

$345 13.3%

Philipsburg

–

Eating Out

Toronto

$290 11.2%

Philipsburg

–

Monthly Utilities & Internet

Toronto

$203 7.8%

Philipsburg

–

Clothing & Footwear

Toronto

$145 5.6%

Philipsburg

–

Getting Around

Toronto

$130 5%

Philipsburg

–

Sport & Entertainment

Toronto

$62 2.4%

Philipsburg

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $2,120 in Philipsburg. Housing cost is often the main lever when comparing two cities.

Toronto pays about 3.2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $72 in Toronto vs $70 in Philipsburg. Groceries flip the comparison at $345 vs $497, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇸🇽 Philipsburg

🕒 Local time

22:24 10:24 PM

23:24 11:24 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

1,900 Capital

💱 Currency

Canadian Dollar CAD $

Netherlands Antillean Guilder ANG ƒ

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 ANG = 0.559 USD

1 ANG = 0.498 EUR

Exchange rates and currency converter

ANG, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

Netherlands Antillean Guilder exchange rates as of November 6, 2026: 1 USD = 1.79 ANG (1 ANG = 0.559 USD). 1 EUR = 2.01 ANG (1 ANG = 0.498 EUR).

USD to CAD in detail →

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Between locations

Toronto Philipsburg 3,230 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Philipsburg

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 Philipsburg: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 17% lower than in Philipsburg. Housing and daily spending are where you’ll feel the difference most, making Toronto the obvious pick if budget is a priority.

Average pay in Toronto is about 3.2 times higher, 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: $1,590 in Toronto versus $2,120 in Philipsburg. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 44% higher in Philipsburg. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Philipsburg – a meal for two runs $70 versus $72 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

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.