Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saint Andrews

For one person, living is cheaper in Saint Andrews: $2,255 a month against $2,530 in Toronto, rent and utilities included – about $3,300 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
109

Cost of Living Index in Saint Andrews
Learn more

Saint Andrews Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,530

/mo nomad

Saint Andrews

🇨🇦 Canada

$2,255

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saint Andrews

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

A single person spends $2,530 per month in Toronto vs $2,255 in Saint Andrews, rent included.

Toronto $2,530
Saint Andrews $2,255

A couple spends around $3,646 per month in Toronto vs $3,245 in Saint Andrews, rent included.

Toronto $3,646
Saint Andrews $3,245

A family of three spends $4,761 per month in Toronto vs $4,234 in Saint Andrews, rent included.

Toronto $4,761
Saint Andrews $4,234

Toronto costs about 12% more than Saint Andrews, and outside of rent the biggest gap is in transport.

Both Toronto and Saint Andrews sit above the global median – Toronto by 89%, Saint Andrews by 68%.

Meal at Budget Restaurant

$17.67 CA$25.19

$17.75 CA$25.30

-0.45%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$63.8 CA$91.0

21.27%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$10.59 CA$15.10

-1.13%

Cappuccino

$4.08 CA$5.81

$3.72 CA$5.30

9.68%

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

$2.12 CA$3.02

$1.99 CA$2.83

6.53%

Water (0.33 liter bottle)

$1.76 CA$2.51

$1.58 CA$2.25

11.39%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$5.17 CA$7.38

19.34%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$5.77 CA$8.22

19.41%

Milk (1 liter)

$2.43 CA$3.46

$2.04 CA$2.91

19.12%

White Bread (500g)

$2.75 CA$3.92

$2.46 CA$3.51

11.79%

Rice (white) (1kg)

$2.23 CA$3.18

$3.36 CA$4.79

-33.63%

Eggs

$3.45 CA$4.91

$3.47 CA$4.94

-0.58%

Local Cheese (1kg)

$8.93 CA$12.73

$9.72 CA$13.86

-8.13%

Chicken Fillets (1kg)

$11.44 CA$16.31

$11.12 CA$15.85

2.88%

Beef Round Steak (1kg)

$14.61 CA$20.83

$14.72 CA$20.98

-0.75%

Apples (1kg)

$3.75 CA$5.34

$3.66 CA$5.22

2.46%

Banana (1kg)

$1.15 CA$1.64

$1.36 CA$1.93

-15.44%

Oranges (1kg)

$3.55 CA$5.06

$3.70 CA$5.28

-4.05%

Tomato (1kg)

$4.28 CA$6.10

$3.73 CA$5.31

14.75%

Potato (1kg)

$1.85 CA$2.63

$2.59 CA$3.70

-28.57%

Onion (1kg)

$1.67 CA$2.38

$2.25 CA$3.21

-25.78%

Lettuce (1 head)

$2.22 CA$3.16

$2.53 CA$3.61

-12.25%

Water (1.5 liter bottle)

$1.21 CA$1.72

$1.57 CA$2.24

-22.93%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$13.96 CA$19.90

-0.57%

Wine (Bottle)

$14.25 CA$20.31

$12.42 CA$17.70

14.73%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$2.73 CA$3.89

-19.41%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$3.13 CA$4.46

-22.68%

One-way Ticket (Public Transport)

$2.42 CA$3.44

$2.31 CA$3.29

4.76%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$63.1 CA$90.0

75.50%

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$2.82 CA$4.02

2.84%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$1.49 CA$2.12

-15.44%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$23.25 CA$33.14

-5.25%

Gasoline (1 liter)

$1.22 CA$1.74

$1.11 CA$1.59

9.91%

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

$27.6K CA$39.4K

$28.2K CA$40.1K

-1.88%

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

$19.8K CA$28.3K

$18.9K CA$26.9K

4.84%

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

$122 CA$174

$138 CA$197

-11.69%

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

$32.03 CA$45.66

$38.11 CA$54.3

-15.95%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$55.0 CA$78.4

-12.84%

Gym Membership (Monthly)

$38.90 CA$55.5

$40.69 CA$58.0

-4.40%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

$18.31 CA$26.10

26.93%

Cinema Ticket

$12.61 CA$17.97

$10.95 CA$15.61

15.16%

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

$834 CA$1,189

$724 CA$1,033

15.13%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$13.3K CA$18.9K

75.65%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$54.2 CA$77.2

-2.90%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$37.35 CA$53.2

7.79%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$84.5 CA$120

13.87%

Men's Leather Business Shoes

$123 CA$175

$99.9 CA$142

23.08%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$1,239 CA$1,766

29.01%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$1,151 CA$1,640

24.69%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$1,984 CA$2,829

33.89%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$1,678 CA$2,392

24.92%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$4,169 CA$5,942

92.69%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

$3,576 CA$5,097

83.40%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

4.64

-3.66%

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

Last update for Toronto: October 4, 2026

Last update for Saint Andrews: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Saint Andrews

$1.2K 50.7% 19.8% $284

Groceries & Markets

Toronto

$340 13.1%

Saint Andrews

$347 15.3% 2.1% $7

Eating Out

Toronto

$282 10.9%

Saint Andrews

$270 11.9% 4.2% $12

Monthly Utilities & Internet

Toronto

$202 7.8%

Saint Andrews

$231 10.2% 14.5% $29

Clothing & Footwear

Toronto

$140 5.4%

Saint Andrews

$124 5.5% 11.6% $16

Getting Around

Toronto

$130 5%

Saint Andrews

$83 3.6% 36.3% $47

Sport & Entertainment

Toronto

$64 2.5%

Saint Andrews

$63 2.8% 2.4% $1.5

Cost Breakdown

A central one-bedroom costs $1,598 in Toronto versus $1,239 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 $77.0 in Toronto versus $64.0 in Saint Andrews. Groceries tell a different story – $340 in Toronto vs $347 in Saint Andrews – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇨🇦 Saint Andrews

🕒 Local time

04:30 4:30 AM

05:30 5:30 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Toronto Saint Andrews 990 km ≈ 1 h 45 min nonstop flight

From you

Toronto
Saint Andrews

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 Andrews: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,530 in Toronto, $2,255 in Saint Andrews – roughly 12% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,795 per month in Toronto and $3,383 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 $2,530 in Toronto and $2,255 in Saint Andrews. That's a gap of about 12%.

Public transport costs about 75% 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 $2,255, than in Toronto at $2,530. 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.