Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saint Charles, MO

For one person, living is cheaper in Saint Charles, MO: $2,184 a month against $2,610 in Toronto, rent and utilities included – about $5,100 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

126

Cost of Living Index in Toronto
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Toronto Living Index
106

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

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Saint Charles, MO

🇺🇸 United States

$2,184

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $2,610 in Toronto versus $2,184 in Saint Charles, MO.

Toronto $2,610
Saint Charles, MO $2,184

Estimated couple costs with rent: $3,727 in Toronto versus $3,474 in Saint Charles, MO.

Toronto $3,727
Saint Charles, MO $3,474

Monthly costs for a family of three with rent: $4,844 in Toronto versus $4,763 in Saint Charles, MO.

Toronto $4,844
Saint Charles, MO $4,763

Living in Toronto is roughly 20% more expensive than in Saint Charles, MO, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 93% above, Saint Charles, MO 61% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$14.80 $14.80

18.85%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$60.0 $60.0

31.28%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$11.83 $11.83

-9.30%

Cappuccino

$4.09 CA$5.78

$4.84 $4.84

-15.50%

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

$2.10 CA$2.97

$2.61 $2.61

-19.54%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.85 $1.85

-7.03%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.06 $5.06

25.69%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$6.15 $6.15

15.12%

Milk (1 liter)

$2.54 CA$3.59

$0.75 $0.75

238.67%

White Bread (500g)

$2.72 CA$3.85

$2.60 $2.60

4.62%

Rice (white) (1kg)

$2.18 CA$3.09

$6.27 $6.27

-65.23%

Eggs

$3.63 CA$5.13

$3.12 $3.12

16.35%

Local Cheese (1kg)

$9.46 CA$13.37

$9.38 $9.38

0.85%

Chicken Fillets (1kg)

$11.54 CA$16.32

$6.51 $6.51

77.27%

Beef Round Steak (1kg)

$14.37 CA$20.32

$24.11 $24.11

-40.40%

Apples (1kg)

$3.70 CA$5.23

$3.71 $3.71

-0.27%

Banana (1kg)

$1.19 CA$1.68

$2.16 $2.16

-44.91%

Oranges (1kg)

$3.46 CA$4.90

$10.18 $10.18

-66.01%

Tomato (1kg)

$4.22 CA$5.97

$5.12 $5.12

-17.58%

Potato (1kg)

$1.79 CA$2.52

$3.62 $3.62

-50.55%

Onion (1kg)

$1.65 CA$2.33

$3.71 $3.71

-55.53%

Lettuce (1 head)

$2.20 CA$3.11

$2.11 $2.11

4.27%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.16 $2.16

-41.67%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$11.14 $11.14

25.40%

Wine (Bottle)

$14.20 CA$20.07

$12.02 $12.02

18.14%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.89 $1.89

19.05%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.57 $2.57

-1.56%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$4.90 $4.90

-52.65%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$3.05 $3.05

0.33%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.69 $1.69

-27.81%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$49.89 $49.89

-56.52%

Gasoline (1 liter)

$1.21 CA$1.72

$0.91 $0.91

32.97%

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

$26.1K CA$37.0K

$27.5K $27.5K

-5.06%

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

$21.1K CA$29.9K

$26.6K $26.6K

-20.68%

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

$120 CA$169

$334 $334

-64.23%

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

$32.21 CA$45.54

$61.0 $61.0

-47.21%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$75.5 $75.5

-35.28%

Gym Membership (Monthly)

$39.34 CA$55.6

$49.26 $49.26

-20.14%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$11.93 $11.93

5.45%

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

$832 CA$1,176

$980 $980

-15.14%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$68.9 $68.9

-24.09%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$42.64 $42.64

-7.50%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$78.6 $78.6

25.91%

Men's Leather Business Shoes

$122 CA$172

$160 $160

-23.98%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,479 $1,479

10.33%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$790 $790

83.23%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$1,970 $1,970

38.91%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,917 $1,917

11.05%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$4,223 $4,223

-16.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.58

-32.07%

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, MO: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Saint Charles, MO

$790 36.2% 45.4% $658

Groceries & Markets

Toronto

$343 13.1%

Saint Charles, MO

$393 18% 14.7% $50

Eating Out

Toronto

$283 10.9%

Saint Charles, MO

$267 12.3% 5.5% $16

Monthly Utilities & Internet

Toronto

$201 7.7%

Saint Charles, MO

$471 21.6% 135% $270

Clothing & Footwear

Toronto

$141 5.4%

Saint Charles, MO

$158 7.2% 12.1% $17

Getting Around

Toronto

$130 5%

Saint Charles, MO

$31 * 1.4% 76.1% $99

Sport & Entertainment

Toronto

$65 2.5%

Saint Charles, MO

$73 3.4% 13.4% $8.6

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 $1,631 in Toronto and $1,479 in Saint Charles, MO. Housing cost is often the main lever when comparing two cities.

Saint Charles, MO pays 20% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $79.0 in Toronto vs $60.0 in Saint Charles, MO. Groceries flip the comparison at $343 vs $393, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Saint Charles, MO

🕒 Local time

15:13 3:13 PM

14:13 2:13 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, MO 1,070 km ≈ 1 h 45 min nonstop flight

From you

Toronto
Saint Charles, MO

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, MO: Cost of Living - Frequently Asked Questions

Toronto and Saint Charles, MO differ by about 20% in total monthly costs ($2,610 vs $2,184 including rent). Saint Charles, MO is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 20% lower in Saint Charles, MO. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,631 in Toronto versus $1,479 in Saint Charles, MO. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 15% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,610 per month in Toronto versus $2,184 in Saint Charles, MO – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Saint Charles, MO 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.

Safety-wise, Toronto and Saint Charles, MO are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Saint Charles, MO gentler on the wallet – expenses run 20% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.