Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saint Andrew Parish

For one person, living is cheaper in Saint Andrew Parish: $1,496 a month against $2,589 in Toronto, rent and utilities included – about $13,100 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
71

Cost of Living Index in Saint Andrew Parish
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Saint Andrew Parish Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Saint Andrew Parish

🇯🇲 Jamaica

$1,496

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saint Andrew Parish

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 Saint Andrew Parish actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,589 in Toronto versus $1,496 in Saint Andrew Parish.

Toronto $2,589
Saint Andrew Parish $1,496

Estimated couple costs with rent: $3,710 in Toronto versus $2,422 in Saint Andrew Parish.

Toronto $3,710
Saint Andrew Parish $2,422

Monthly costs for a family of three with rent: $4,831 in Toronto versus $3,348 in Saint Andrew Parish.

Toronto $4,831
Saint Andrew Parish $3,348

Living in Toronto is roughly 73% more expensive than in Saint Andrew Parish, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Saint Andrew Parish 10% above.

Meal at Budget Restaurant

$17.60 CA$24.62

$13.43 JMD 2,120

31.05%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$67.2 JMD 10.6K

15.72%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.81

$8.15 JMD 1,287

29.94%

Cappuccino

$4.16 CA$5.82

$5.42 JMD 855

-23.25%

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

$2.04 CA$2.86

$1.20 JMD 190

70.00%

Water (0.33 liter bottle)

$1.75 CA$2.45

$0.71 JMD 111

146.48%

Local Beer (0.5 liter draught)

$6.58 CA$9.20

$2.24 JMD 354

193.75%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.95

$3.22 JMD 509

120.81%

Milk (1 liter)

$2.53 CA$3.55

$3.38 JMD 533

-25.15%

White Bread (500g)

$2.70 CA$3.78

$2.60 JMD 411

3.85%

Rice (white) (1kg)

$2.24 CA$3.13

$1.63 JMD 257

37.42%

Eggs

$3.48 CA$4.87

$3.51 JMD 554

-0.85%

Local Cheese (1kg)

$9.38 CA$13.11

$11.52 JMD 1,818

-18.58%

Chicken Fillets (1kg)

$11.60 CA$16.22

$6.23 JMD 983

86.20%

Beef Round Steak (1kg)

$14.68 CA$20.54

$10.36 JMD 1,636

41.70%

Apples (1kg)

$3.74 CA$5.24

$6.07 JMD 959

-38.39%

Banana (1kg)

$1.22 CA$1.71

$3.98 JMD 629

-69.35%

Oranges (1kg)

$3.48 CA$4.87

$4.94 JMD 781

-29.55%

Tomato (1kg)

$4.32 CA$6.05

$3.10 JMD 489

39.35%

Potato (1kg)

$1.85 CA$2.59

$3.32 JMD 524

-44.28%

Onion (1kg)

$1.69 CA$2.36

$2.58 JMD 408

-34.50%

Lettuce (1 head)

$2.23 CA$3.12

$1.86 JMD 294

19.89%

Water (1.5 liter bottle)

$1.28 CA$1.79

$0.96 JMD 151

33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.64

$9.27 JMD 1,464

51.46%

Wine (Bottle)

$14.43 CA$20.18

$11.46 JMD 1,809

25.92%

Local Beer (0.5 liter bottle)

$2.16 CA$3.02

$2.54 JMD 401

-14.96%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.53

$3.08 JMD 487

-18.18%

One-way Ticket (Public Transport)

$2.37 CA$3.31

$0.65 JMD 103

264.62%

Public Transport Monthly Pass (Regular Price)

$112 CA$157

Taxi Start (Normal Tariff)

$3.04 CA$4.26

$0.97 JMD 154

213.40%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.73

$3.10 JMD 490

-60.00%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.55

$6.14 JMD 969

267.26%

Gasoline (1 liter)

$1.24 CA$1.74

$1.30 JMD 206

-4.62%

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

$26.9K CA$37.6K

$44.9K JMD 7.1M

-40.12%

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

$21.4K CA$29.9K

$24.9K JMD 3.9M

-14.10%

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

$125 CA$174

$115 JMD 18.1K

8.45%

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

$33.05 CA$46.23

$29.93 JMD 4,725

10.42%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.1

$53.3 JMD 8,414

-10.00%

Gym Membership (Monthly)

$36.69 CA$51.3

$60.1 JMD 9,491

-38.96%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.11

Cinema Ticket

$13.08 CA$18.29

$13.44 JMD 2,122

-2.68%

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

$759 CA$1,061

$254 JMD 40.0K

199.32%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.3K

$8,331 JMD 1.3M

185.47%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.9

$23.59 JMD 3,725

126.96%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.6

$31.28 JMD 4,939

29.28%

Sport Shoes (Adidas, Nike)

$100 CA$141

$77.4 JMD 12.2K

29.79%

Men's Leather Business Shoes

$125 CA$175

$74.8 JMD 11.8K

67.53%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,280

$825 JMD 130.2K

97.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,980

$534 JMD 84.3K

165.25%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,768

$1,680 JMD 265.2K

60.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,939

$1,109 JMD 175.0K

89.53%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$2,675 JMD 422.4K

182.24%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,335

Average Monthly Net Salary (After Tax)

$3,543 CA$4,956

$726 JMD 114.7K

387.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

-50.56%

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

Last update for Toronto: October 26, 2026

Last update for Saint Andrew Parish: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Saint Andrew Parish

$534 35.7% 62.3% $882

Groceries & Markets

Toronto

$345 13.3%

Saint Andrew Parish

$342 22.9% 0.7% $2.4

Eating Out

Toronto

$285 11%

Saint Andrew Parish

$222 14.9% 22% $63

Monthly Utilities & Internet

Toronto

$206 7.9%

Saint Andrew Parish

$198 13.3% 3.7% $7.5

Clothing & Footwear

Toronto

$144 5.6%

Saint Andrew Parish

$93 6.2% 35.2% $51

Getting Around

Toronto

$131 5.1%

Saint Andrew Parish

$19 * 1.3% 85.5% $112

Sport & Entertainment

Toronto

$63 2.4%

Saint Andrew Parish

$87 5.8% 38.4% $24

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 $1,630 in Toronto and $825 in Saint Andrew Parish. Housing cost is often the main lever when comparing two cities.

Toronto pays about 4.9 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $67 in Saint Andrew Parish for a mid-range dinner for two. Groceries echo the gap at $345 vs $342 per month, with Saint Andrew Parish cheaper across the board.

Good to know

🇨🇦 Toronto

🇯🇲 Saint Andrew Parish

🕒 Local time

21:00 9:00 PM

20:00 8:00 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

555,995

💱 Currency

Canadian Dollar CAD $

Jamaican Dollar JMD $

📈 Exchange rate

1 CAD = 0.715 USD

1 CAD = 0.642 EUR

1,000 JMD = 6.33 USD

1,000 JMD = 5.69 EUR

Exchange rates and currency converter

JMD, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 29, 2026: 1 USD = 1.4 CAD (1 CAD = 0.715 USD). 1 EUR = 1.56 CAD (1 CAD = 0.642 EUR).

Jamaican Dollar exchange rates as of October 29, 2026: 1 USD = 158 JMD (1,000 JMD = 6.33 USD). 1 EUR = 176 JMD (1,000 JMD = 5.69 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Saint Andrew Parish 2,860 km ≈ 4 h nonstop flight

From you

Toronto
Saint Andrew Parish

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 Saint Andrew Parish: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,589 in Toronto and $1,496 in Saint Andrew Parish, so Saint Andrew Parish is about 42% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Toronto is about 4.9 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: $1,630 in Toronto versus $825 in Saint Andrew Parish. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $759 in Toronto versus $254 in Saint Andrew Parish. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

All in, you’ll spend $2,589 per month in Toronto versus $1,496 in Saint Andrew Parish – Saint Andrew Parish is about 42% cheaper, which adds up to real savings over time.

At $1,496 in Saint Andrew Parish versus $2,589 in Toronto, a $2,000 budget is realistic in Saint Andrew Parish but tight or insufficient in Toronto. The gap between the two cities makes Saint Andrew Parish the clear choice for anyone on this budget.

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 – Saint Andrew Parish wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.