Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saint Charles, IL

For one person, living costs are similar in Toronto and in Saint Charles, IL: $2,610 and $2,710 a month, rent and utilities included.

126

Cost of Living Index in Toronto
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Toronto Living Index
132

Cost of Living Index in Saint Charles, IL
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Saint Charles, IL Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Saint Charles, IL

🇺🇸 United States

$2,710

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saint Charles, IL

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

A single person spends $2,610 per month in Toronto vs $2,710 in Saint Charles, IL, rent included.

Toronto $2,610
Saint Charles, IL $2,710

A couple spends around $3,727 per month in Toronto vs $4,230 in Saint Charles, IL, rent included.

Toronto $3,727
Saint Charles, IL $4,230

A family of three spends $4,844 per month in Toronto vs $5,749 in Saint Charles, IL, rent included.

Toronto $4,844
Saint Charles, IL $5,749

Toronto is about 4% cheaper than Saint Charles, IL, and outside of rent the biggest gap is in eating out.

Both Toronto and Saint Charles, IL sit above the global median – Toronto by 93%, Saint Charles, IL by 100%.

Meal at Budget Restaurant

$17.59 CA$24.87

$38.02 $38.02

-53.73%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$99.6 $99.6

-20.89%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.63 $10.63

0.94%

Cappuccino

$4.09 CA$5.78

$6.85 $6.85

-40.29%

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

$2.10 CA$2.97

$3.37 $3.37

-37.69%

Water (0.33 liter bottle)

$1.72 CA$2.43

$3.07 $3.07

-43.97%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$7.03 $7.03

-9.53%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.54 $7.54

-6.10%

Milk (1 liter)

$2.54 CA$3.59

$0.98 $0.98

159.18%

White Bread (500g)

$2.72 CA$3.85

$3.55 $3.55

-23.38%

Rice (white) (1kg)

$2.18 CA$3.09

$4.23 $4.23

-48.46%

Eggs

$3.63 CA$5.13

$4.57 $4.57

-20.57%

Local Cheese (1kg)

$9.46 CA$13.37

$12.33 $12.33

-23.28%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.47 $11.47

0.61%

Beef Round Steak (1kg)

$14.37 CA$20.32

$12.85 $12.85

11.83%

Apples (1kg)

$3.70 CA$5.23

$5.08 $5.08

-27.17%

Banana (1kg)

$1.19 CA$1.68

$1.01 $1.01

17.82%

Oranges (1kg)

$3.46 CA$4.90

$4.34 $4.34

-20.28%

Tomato (1kg)

$4.22 CA$5.97

$4.78 $4.78

-11.72%

Potato (1kg)

$1.79 CA$2.52

$2.75 $2.75

-34.91%

Onion (1kg)

$1.65 CA$2.33

$3.04 $3.04

-45.72%

Lettuce (1 head)

$2.20 CA$3.11

$1.57 $1.57

40.13%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.23 $2.23

-43.50%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$11.41 $11.41

22.44%

Wine (Bottle)

$14.20 CA$20.07

$15.12 $15.12

-6.08%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.93 $1.93

16.58%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.46 $3.46

-26.88%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$2.02 $2.02

14.85%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$3.24 $3.24

-5.56%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.64 $1.64

-25.61%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$32.52 $32.52

-33.30%

Gasoline (1 liter)

$1.21 CA$1.72

$0.99 $0.99

22.22%

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

$26.1K CA$37.0K

$26.0K $26.0K

0.55%

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

$21.1K CA$29.9K

$26.1K $26.1K

-18.97%

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

$120 CA$169

$195 $195

-38.79%

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

$32.21 CA$45.54

$66.6 $66.6

-51.65%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$70.9 $70.9

-31.03%

Gym Membership (Monthly)

$39.34 CA$55.6

$43.09 $43.09

-8.70%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$14.74 $14.74

-14.65%

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

$832 CA$1,176

$1,358 $1,358

-38.75%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$26.2K $26.2K

-9.98%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$51.1 $51.1

2.31%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$39.30 $39.30

0.36%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$75.7 $75.7

30.81%

Men's Leather Business Shoes

$122 CA$172

$131 $131

-6.91%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,800 $1,800

-9.37%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,277 $1,277

13.41%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,543 $2,543

7.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,472 $2,472

-13.85%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$3,065 $3,065

167.75%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,620 $2,620

160.98%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.57

-31.96%

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

Last update for Toronto: October 18, 2026

Last update for Saint Charles, IL: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Saint Charles, IL

$1.3K 47.1% 11.8% $171

Groceries & Markets

Toronto

$343 13.1%

Saint Charles, IL

$380 14% 10.9% $37

Eating Out

Toronto

$283 10.9%

Saint Charles, IL

$494 18.2% 74.5% $211

Monthly Utilities & Internet

Toronto

$201 7.7%

Saint Charles, IL

$333 12.3% 65.9% $132

Clothing & Footwear

Toronto

$141 5.4%

Saint Charles, IL

$134 4.9% 5% $7

Getting Around

Toronto

$130 5%

Saint Charles, IL

$20 * 0.7% 85% $111

Sport & Entertainment

Toronto

$65 2.5%

Saint Charles, IL

$73 2.7% 12.5% $8.1

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,631 in Toronto versus $1,800 in Saint Charles, IL. 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 $79.0 in Toronto versus $100 in Saint Charles, IL. Monthly groceries follow the same trend: $343 vs $380 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Saint Charles, IL

🕒 Local time

16:28 4:28 PM

15:28 3:28 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

70,329

💱 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 20, 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 20, 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 Saint Charles, IL 750 km ≈ 1 h 30 min nonstop flight

From you

Toronto
Saint Charles, IL

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 Charles, IL: Cost of Living - Frequently Asked Questions

Saint Charles, IL costs about 4% more than Toronto, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,916 per month in Toronto and $4,065 in Saint Charles, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toronto, 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 $2,610 in Toronto and $2,710 in Saint Charles, IL. That's a gap of about 4%.

Kindergarten costs $832 per month in Toronto and $1,358 in Saint Charles, IL. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,610 in Toronto and $2,710 in Saint Charles, IL. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, Saint Charles, IL makes more sense. Both are solid long-term options with distinct trade-offs.