Last update: Oct 2026

Cost of Living Comparison Between Toronto and Plano, TX

For one person, living costs are similar in Toronto and in Plano, TX: $2,610 and $2,597 a month, rent and utilities included.

126

Cost of Living Index in Toronto
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Toronto Living Index
126

Cost of Living Index in Plano, TX
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Plano, TX Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Plano, TX

🇺🇸 United States

$2,597

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,610 in Toronto versus $2,597 in Plano, TX.

Toronto $2,610
Plano, TX $2,597

Estimated couple costs with rent: $3,727 in Toronto versus $4,016 in Plano, TX.

Toronto $3,727
Plano, TX $4,016

Monthly costs for a family of three with rent: $4,844 in Toronto versus $5,435 in Plano, TX.

Toronto $4,844
Plano, TX $5,435

Living in Toronto is roughly 1% more expensive than in Plano, TX, and outside of rent the biggest gap is in leisure.

Both cities are pricier than the global median: Toronto 93% above, Plano, TX 92% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$19.95 $19.95

-11.83%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$77.1 $77.1

2.30%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.19 $10.19

5.30%

Cappuccino

$4.09 CA$5.78

$5.51 $5.51

-25.77%

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

$2.10 CA$2.97

$2.66 $2.66

-21.05%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.35 $2.35

-26.81%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$6.80 $6.80

-6.47%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.65 $7.65

-7.45%

Milk (1 liter)

$2.54 CA$3.59

$0.95 $0.95

167.37%

White Bread (500g)

$2.72 CA$3.85

$3.22 $3.22

-15.53%

Rice (white) (1kg)

$2.18 CA$3.09

$4.83 $4.83

-54.87%

Eggs

$3.63 CA$5.13

$4.81 $4.81

-24.53%

Local Cheese (1kg)

$9.46 CA$13.37

$13.31 $13.31

-28.93%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.29 $11.29

2.21%

Beef Round Steak (1kg)

$14.37 CA$20.32

$18.73 $18.73

-23.28%

Apples (1kg)

$3.70 CA$5.23

$4.58 $4.58

-19.21%

Banana (1kg)

$1.19 CA$1.68

$1.55 $1.55

-23.23%

Oranges (1kg)

$3.46 CA$4.90

$2.79 $2.79

24.01%

Tomato (1kg)

$4.22 CA$5.97

$3.03 $3.03

39.27%

Potato (1kg)

$1.79 CA$2.52

$2.32 $2.32

-22.84%

Onion (1kg)

$1.65 CA$2.33

$2.51 $2.51

-34.26%

Lettuce (1 head)

$2.20 CA$3.11

$1.92 $1.92

14.58%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.83 $2.83

-55.48%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$10.21 $10.21

36.83%

Wine (Bottle)

$14.20 CA$20.07

$15.91 $15.91

-10.75%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.71 $1.71

31.58%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.22 $3.22

-21.43%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$4.61 $4.61

-49.67%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$106 $106

4.93%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$2.91 $2.91

5.15%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.73 $1.73

-29.48%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$14.92 $14.92

45.38%

Gasoline (1 liter)

$1.21 CA$1.72

$0.92 $0.92

31.52%

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

$26.1K CA$37.0K

$27.1K $27.1K

-3.64%

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

$21.1K CA$29.9K

$25.9K $25.9K

-18.32%

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

$120 CA$169

$194 $194

-38.25%

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

$32.21 CA$45.54

$47.18 $47.18

-31.73%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$54.7 $54.7

-10.61%

Gym Membership (Monthly)

$39.34 CA$55.6

$91.8 $91.8

-57.14%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$3.93 $3.93

500.00%

Cinema Ticket

$12.58 CA$17.79

$15.01 $15.01

-16.19%

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

$832 CA$1,176

$1,312 $1,312

-36.59%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$24.3K $24.3K

-2.66%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$58.5 $58.5

-10.63%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$37.94 $37.94

3.95%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$87.2 $87.2

13.49%

Men's Leather Business Shoes

$122 CA$172

$68.3 $68.3

78.57%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,550 $1,550

5.27%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,212 $1,212

19.48%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,748 $2,748

-0.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,374 $2,374

-10.32%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,365 $2,365

246.98%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,423 $2,423

182.18%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$5,756 $5,756

-38.85%

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 Plano, TX: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Plano, TX

$1.2K 46.7% 16.3% $236

Groceries & Markets

Toronto

$343 13.1%

Plano, TX

$392 15.1% 14.3% $49

Eating Out

Toronto

$283 10.9%

Plano, TX

$326 12.5% 15% $42

Monthly Utilities & Internet

Toronto

$201 7.7%

Plano, TX

$296 11.4% 47.3% $95

Clothing & Footwear

Toronto

$141 5.4%

Plano, TX

$113 4.4% 19.4% $27

Getting Around

Toronto

$130 5%

Plano, TX

$136 5.3% 4.9% $6.3

Sport & Entertainment

Toronto

$65 2.5%

Plano, TX

$122 4.7% 88.9% $57

Cost Breakdown

A one-bedroom apartment in the center runs $1,631 in Toronto and $1,550 in Plano, TX. Housing cost is often the main lever when comparing two cities.

Plano, TX pays 64% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $79.0 in Toronto vs $77.0 in Plano, TX. Groceries flip the comparison at $343 vs $392, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Plano, TX

🕒 Local time

20:08 8:08 PM

19:08 7:08 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

288,253

💱 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 21, 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 21, 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 Plano, TX 1,910 km ≈ 3 h nonstop flight

From you

Toronto
Plano, 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 Plano, TX: Cost of Living - Frequently Asked Questions

Plano, TX is cheaper overall, especially in clothing. The 1% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 64% lower in Plano, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,631 in Toronto versus $1,550 in Plano, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $832 in Toronto versus $1,312 in Plano, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Toronto pay roughly 14% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Both cities are expensive relative to $2,500. Plano, TX 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 Plano, TX gentler on the wallet – expenses run 1% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.