Last update: Nov 2026

Cost of Living Comparison Between Toronto and Road Town

For one person, living costs are similar in Toronto and in Road Town: $2,599 and $2,593 a month, rent and utilities included.

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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

Road Town

🇻🇬 British Virgin Islands

$2,593

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Road Town

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

Monthly costs for one person with rent: $2,599 in Toronto versus $2,593 in Road Town.

Toronto $2,599
Road Town $2,593

Estimated couple costs with rent: $3,700 in Toronto versus $4,460 in Road Town.

Toronto $3,700
Road Town $4,460

Monthly costs for a family of three with rent: $4,801 in Toronto versus $6,327 in Road Town.

Toronto $4,801
Road Town $6,327

Monthly costs are close between Toronto and Road Town; which city is cheaper depends on the spending category.

Both cities are pricier than the global median: Toronto 92% above, Road Town 92% above.

Meal at Budget Restaurant

$17.98 CA$25.20

$17.47 $17.47

2.92%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$80.2 $80.2

-9.91%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$7.92 $7.92

36.74%

Cappuccino

$4.34 CA$6.09

$4.60 $4.60

-5.65%

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

$2.16 CA$3.03

$1.67 $1.67

29.34%

Water (0.33 liter bottle)

$1.66 CA$2.32

$0.98 $0.98

69.39%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$4.07 $4.07

56.02%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$1.81 $1.81

305.52%

Milk (1 liter)

$2.57 CA$3.60

$2.25 $2.25

14.22%

White Bread (500g)

$2.71 CA$3.79

$4.71 $4.71

-42.46%

Rice (white) (1kg)

$2.28 CA$3.19

$3.05 $3.05

-25.25%

Eggs

$3.60 CA$5.05

$5.02 $5.02

-28.29%

Local Cheese (1kg)

$8.94 CA$12.54

Chicken Fillets (1kg)

$11.19 CA$15.69

Beef Round Steak (1kg)

$15.23 CA$21.34

Apples (1kg)

$3.74 CA$5.25

$3.69 $3.69

1.36%

Banana (1kg)

$1.23 CA$1.72

$3.39 $3.39

-63.72%

Oranges (1kg)

$3.58 CA$5.02

$2.04 $2.04

75.49%

Tomato (1kg)

$4.25 CA$5.96

$6.63 $6.63

-35.90%

Potato (1kg)

$1.94 CA$2.72

$4.79 $4.79

-59.50%

Onion (1kg)

$1.67 CA$2.34

$3.96 $3.96

-57.83%

Lettuce (1 head)

$2.30 CA$3.22

$6.24 $6.24

-63.14%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.91 $1.91

-34.03%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$5.37 $5.37

164.25%

Wine (Bottle)

$14.25 CA$19.97

$10.95 $10.95

30.14%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

One-way Ticket (Public Transport)

$2.35 CA$3.30

$4.37 $4.37

-46.22%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

Taxi Start (Normal Tariff)

$3.01 CA$4.22

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

$1.23 $1.23

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

$160 $160

-24.56%

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

$33.10 CA$46.40

$90.3 $90.3

-63.34%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$124 $124

-60.56%

Gym Membership (Monthly)

$36.65 CA$51.4

$118 $118

-68.96%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

$20.09 $20.09

24.49%

Cinema Ticket

$12.78 CA$17.91

$9.82 $9.82

30.14%

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

$754 CA$1,058

$377 $377

99.87%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$15.0K $15.0K

124.47%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$46.66 $46.66

7.99%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$54.5 $54.5

-23.94%

Sport Shoes (Adidas, Nike)

$101 CA$142

$128 $128

-20.82%

Men's Leather Business Shoes

$130 CA$183

$141 $141

-7.36%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,695 $1,695

-6.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$1,369 $1,369

4.04%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$4,311 $4,311

-38.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$3,608 $3,608

-42.08%

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

$1,698 $1,698

113.40%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

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

Last update for Toronto: November 2, 2026

Last update for Road Town: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Road Town

–

Groceries & Markets

Toronto

$345 13.3%

Road Town

–

Eating Out

Toronto

$290 11.2%

Road Town

–

Monthly Utilities & Internet

Toronto

$203 7.8%

Road Town

–

Clothing & Footwear

Toronto

$145 5.6%

Road Town

–

Getting Around

Toronto

$130 5%

Road Town

–

Sport & Entertainment

Toronto

$62 2.4%

Road Town

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $1,695 in Road Town. Housing cost is often the main lever when comparing two cities.

Toronto pays about 2.1 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $72 in Toronto vs $80 in Road Town. Groceries flip the comparison at $345 vs $274, with Road Town cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇻🇬 Road Town

🕒 Local time

22:28 10:28 PM

23:28 11:28 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

12,603 Capital

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

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).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Road Town 3,130 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Road Town

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 Road Town: Cost of Living - Frequently Asked Questions

Average pay in Toronto is about 2.1 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 $1,695 in Road Town. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Toronto – a meal for two runs $72 versus $80 in Road Town. If you eat out regularly, this makes a real dent in your monthly spending.

Childcare runs $754 in Toronto versus $377 in Road Town. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $2,500. Road Town 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.

It comes down to priorities – Road Town wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.