Cost of Living Comparison Between Toronto and Saint Andrews Cost of Living Comparison Between Toronto and Saint Andrews

Monthly Cost of Living

A single person spends $2,776 per month in Toronto vs $2,363 in Saint Andrews, rent included.

A couple spends around $4,051 per month in Toronto vs $3,396 in Saint Andrews, rent included.

A family of three spends $5,325 per month in Toronto vs $4,429 in Saint Andrews, rent included.

Toronto costs about 17% more than Saint Andrews, driven mainly by Getting Around.

Both Toronto and Saint Andrews sit above the global median – Toronto by 108%, Saint Andrews by 77%.

Meal at Budget Restaurant

$18.95 CA$26.72

$17.07 CA$24.07

11.01%

Three-Course Dinner for Two, Mid-Range

$83.9 CA$118

$69.4 CA$97.8

20.95%

Fast Food Meal (McDonalds, etc)

$10.97 CA$15.47

$11.25 CA$15.87

-2.49%

Cappuccino

$3.97 CA$5.60

$3.85 CA$5.43

3.12%

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

$2.15 CA$3.03

$2.06 CA$2.91

4.37%

Water (0.33 liter bottle)

$1.64 CA$2.31

$1.66 CA$2.35

-1.20%

Local Beer (0.5 liter draught)

$6.06 CA$8.54

$5.41 CA$7.63

12.01%

Imported Beer (0.33 liter bottle)

$6.79 CA$9.58

$5.75 CA$8.11

18.09%

Milk (1 liter)

$2.71 CA$3.82

$2.11 CA$2.98

28.44%

White Bread (500g)

$2.75 CA$3.88

$2.73 CA$3.85

0.73%

Rice (white) (1kg)

$3.58 CA$5.05

$3.49 CA$4.92

2.58%

Eggs

$3.47 CA$4.89

$3.52 CA$4.96

-1.42%

Local Cheese (1kg)

$13.60 CA$19.18

$11.24 CA$15.85

21.00%

Chicken Fillets (1kg)

$13.37 CA$18.86

$11.52 CA$16.25

16.06%

Beef Round Steak (1kg)

$16.87 CA$23.80

$14.42 CA$20.34

16.99%

Apples (1kg)

$4.19 CA$5.91

$4.17 CA$5.88

0.48%

Banana (1kg)

$1.14 CA$1.61

$1.41 CA$1.99

-19.15%

Oranges (1kg)

$3.23 CA$4.56

$3.60 CA$5.08

-10.28%

Tomato (1kg)

$3.98 CA$5.62

$3.68 CA$5.19

8.15%

Potato (1kg)

$2.48 CA$3.50

$2.42 CA$3.42

2.48%

Onion (1kg)

$2.82 CA$3.98

$2.46 CA$3.47

14.63%

Lettuce (1 head)

$2.35 CA$3.32

$2.62 CA$3.69

-10.31%

Water (1.5 liter bottle)

$1.96 CA$2.77

$1.73 CA$2.44

13.29%

Cigarettes 20 Pack (Marlboro, Camel)

$14.81 CA$20.89

$14.05 CA$19.82

5.41%

Wine (Bottle)

$14.21 CA$20.04

$11.94 CA$16.84

19.01%

Local Beer (0.5 liter bottle)

$2.70 CA$3.80

$2.80 CA$3.95

-3.57%

Imported Beer (0.33 liter bottle)

$3.14 CA$4.42

$3.18 CA$4.48

-1.26%

One-way Ticket (Public Transport)

$2.54 CA$3.58

$2.34 CA$3.31

8.55%

Public Transport Monthly Pass (Regular Price)

$116 CA$163

$61.8 CA$87.2

87.52%

Taxi Start (Normal Tariff)

$3.57 CA$5.04

$3.19 CA$4.50

11.91%

Taxi (Normal Tariff) (1km)

$1.40 CA$1.98

$1.50 CA$2.11

-6.67%

Taxi 1hour Waiting (Normal Tariff)

$25.54 CA$36.02

$25.93 CA$36.58

-1.50%

Gasoline (1 liter)

$1.09 CA$1.54

$1.11 CA$1.56

-1.80%

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

$25.4K CA$35.8K

$25.3K CA$35.7K

0.18%

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

$21.3K CA$30.0K

$20.5K CA$28.9K

3.92%

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

$116 CA$164

$141 CA$199

-17.28%

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

$37.15 CA$52.4

$43.76 CA$61.7

-15.11%

Internet (50+ Mbps, Unlimited Data)

$53.2 CA$75.0

$61.9 CA$87.3

-14.03%

Gym Membership (Monthly)

$55.7 CA$78.6

$41.27 CA$58.2

34.99%

Tennis Court (1 Hour on Weekend)

$20.88 CA$29.45

Cinema Ticket

$11.63 CA$16.40

$11.27 CA$15.90

3.19%

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

$1,122 CA$1,582

$737 CA$1,040

52.13%

International Primary School, 1 Child (Yearly)

$18.1K CA$25.5K

$11.8K CA$16.6K

53.53%

Jeans (Levis 501 Or Similar)

$58.5 CA$82.5

$54.3 CA$76.6

7.70%

Summer Dress (H&M, Zara, etc)

$39.43 CA$55.6

$38.97 CA$55.0

1.18%

Sport Shoes (Adidas, Nike)

$90.4 CA$128

$87.9 CA$124

2.89%

Men's Leather Business Shoes

$113 CA$159

$109 CA$153

4.02%

1-bedroom Apartment, City Center (Monthly)

$1,823 CA$2,572

$1,339 CA$1,888

36.22%

1-bedroom Apartment, Outside City Center (Monthly)

$1,557 CA$2,196

$1,181 CA$1,665

31.85%

3-bedroom Apartment, City Center (Monthly)

$2,986 CA$4,212

$2,023 CA$2,854

47.58%

3-bedroom Apartment, Outside City Center (Monthly)

$2,450 CA$3,456

$1,787 CA$2,521

37.08%

Buy Apartment in City Center (m2)

$8,678 CA$12.2K

$4,448 CA$6,274

95.10%

Buy Apartment Outside City Center (m2)

$6,940 CA$9,789

$3,453 CA$4,871

100.99%

Average Monthly Net Salary (After Tax)

$3,390 CA$4,782

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.46

-20.12%

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

Last update for Toronto: July 21, 2026

Last update for Saint Andrews: July 19, 2026

Cost Breakdown

A central one-bedroom costs $1,823 in Toronto versus $1,339 in Saint Andrews. 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 $84.0 in Toronto versus $69.0 in Saint Andrews. Monthly groceries follow the same trend: $396 vs $361 – making Saint Andrews the more affordable choice for daily food spending.

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 Andrews: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,776 in Toronto, $2,363 in Saint Andrews – roughly 17% apart. Toronto costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,164 per month in Toronto and $3,545 in Saint Andrews. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Andrews, 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 $2,776 in Toronto and $2,363 in Saint Andrews. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 88% less in Saint Andrews. For daily commuters, that gap adds up to noticeable savings over a year.

A $3,000 monthly budget goes further in Saint Andrews, where all-in costs run around $2,363, than in Toronto at $2,776. In Saint Andrews it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Saint Andrews – 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 Saint Andrews. 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.