Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saint Cloud, MN

For one person, living is cheaper in Saint Cloud, MN: $1,891 a month against $2,561 in Toronto, rent and utilities included – about $8,000 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
91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Saint Cloud, MN

🇺🇸 United States

$1,891

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saint Cloud, MN

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

Monthly costs for one person with rent: $2,561 in Toronto versus $1,891 in Saint Cloud, MN.

Toronto $2,561
Saint Cloud, MN $1,891

Estimated couple costs with rent: $3,694 in Toronto versus $2,697 in Saint Cloud, MN.

Toronto $3,694
Saint Cloud, MN $2,697

Monthly costs for a family of three with rent: $4,826 in Toronto versus $3,502 in Saint Cloud, MN.

Toronto $4,826
Saint Cloud, MN $3,502

Living in Toronto is roughly 35% more expensive than in Saint Cloud, MN, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, Saint Cloud, MN 40% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$14.94 $14.94

14.99%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$40.42 $40.42

87.95%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$8.45 $8.45

24.73%

Cappuccino

$4.02 CA$5.68

$4.61 $4.61

-12.80%

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

$2.12 CA$3.00

$2.88 $2.88

-26.39%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.17 $2.17

-19.35%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$5.98 $5.98

4.35%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$5.09 $5.09

39.29%

Milk (1 liter)

$2.44 CA$3.45

$0.90 $0.90

171.11%

White Bread (500g)

$2.68 CA$3.78

$1.48 $1.48

81.08%

Rice (white) (1kg)

$2.24 CA$3.17

$1.90 $1.90

17.89%

Eggs

$3.56 CA$5.03

$3.79 $3.79

-6.07%

Local Cheese (1kg)

$9.09 CA$12.85

$9.60 $9.60

-5.31%

Chicken Fillets (1kg)

$11.33 CA$16.01

$6.66 $6.66

70.12%

Beef Round Steak (1kg)

$14.53 CA$20.55

$18.94 $18.94

-23.28%

Apples (1kg)

$3.62 CA$5.12

$3.71 $3.71

-2.43%

Banana (1kg)

$1.21 CA$1.72

$1.09 $1.09

11.01%

Oranges (1kg)

$3.60 CA$5.09

$2.78 $2.78

29.50%

Tomato (1kg)

$4.21 CA$5.96

$3.49 $3.49

20.63%

Potato (1kg)

$1.79 CA$2.53

$2.05 $2.05

-12.68%

Onion (1kg)

$1.59 CA$2.25

$2.94 $2.94

-45.92%

Lettuce (1 head)

$2.27 CA$3.21

$1.94 $1.94

17.01%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.96 $2.96

-57.77%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$11.21 $11.21

23.28%

Wine (Bottle)

$14.27 CA$20.18

$14.71 $14.71

-2.99%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.70 $1.70

29.41%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.04 $3.04

-20.07%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$1.70 $1.70

40.59%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$61.2 $61.2

81.38%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.44 $3.44

-15.41%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.79 $0.79

51.90%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$11.76 $11.76

81.80%

Gasoline (1 liter)

$1.21 CA$1.71

$0.89 $0.89

35.96%

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

$28.2K CA$39.8K

$30.0K $30.0K

-6.12%

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

$20.3K CA$28.6K

$23.7K $23.7K

-14.50%

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

$120 CA$170

$122 $122

-1.25%

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

$32.26 CA$45.60

$45.73 $45.73

-29.46%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$44.69 $44.69

7.25%

Gym Membership (Monthly)

$38.48 CA$54.4

$24.96 $24.96

54.17%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$27.73 $27.73

-17.20%

Cinema Ticket

$12.38 CA$17.50

$11.80 $11.80

4.92%

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

$830 CA$1,173

$1,721 $1,721

-51.79%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$5,918 $5,918

290.14%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$56.5 $56.5

-10.30%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$50.3 $50.3

-20.36%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$72.6 $72.6

34.98%

Men's Leather Business Shoes

$121 CA$171

$80.3 $80.3

50.34%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$913 $913

74.44%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$859 $859

64.20%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$1,409 $1,409

89.45%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,255 $1,255

71.39%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$2,038 $2,038

289.90%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$1,772 $1,772

269.28%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,949 $3,949

-5.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.61

-32.38%

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

Last update for Toronto: October 12, 2026

Last update for Saint Cloud, MN: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Saint Cloud, MN

$859 45.4% 39.1% $551

Groceries & Markets

Toronto

$340 13.3%

Saint Cloud, MN

$318 16.8% 6.3% $21

Eating Out

Toronto

$278 10.9%

Saint Cloud, MN

$261 13.8% 6.3% $18

Monthly Utilities & Internet

Toronto

$201 7.8%

Saint Cloud, MN

$212 11.2% 5.9% $12

Clothing & Footwear

Toronto

$139 5.4%

Saint Cloud, MN

$117 6.2% 16.1% $22

Getting Around

Toronto

$129 5.1%

Saint Cloud, MN

$75 4% 41.7% $54

Sport & Entertainment

Toronto

$63 2.5%

Saint Cloud, MN

$49 2.6% 23.2% $15

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $913 in Saint Cloud, MN. Housing cost is often the main lever when comparing two cities.

Saint Cloud, MN pays 6% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Toronto vs $40.00 in Saint Cloud, MN for a mid-range dinner for two. Groceries echo the gap at $340 vs $318 per month, with Saint Cloud, MN cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Saint Cloud, MN

🕒 Local time

13:43 1:43 PM

12:43 12:43 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

67,109

💱 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 19, 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 19, 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 Cloud, MN 1,190 km ≈ 2 h nonstop flight

From you

Toronto
Saint Cloud, MN

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 Cloud, MN: Cost of Living - Frequently Asked Questions

Toronto and Saint Cloud, MN differ by about 35% in total monthly costs ($2,561 vs $1,891 including rent). Saint Cloud, MN is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 6% lower in Saint Cloud, MN. 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: $1,592 in Toronto versus $913 in Saint Cloud, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,561 per month in Toronto versus $1,891 in Saint Cloud, MN – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Saint Cloud, MN runs roughly 81% less than in Toronto. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,891 in Saint Cloud, MN versus $2,561 in Toronto, a $3,000 budget is realistic in Saint Cloud, MN but tight or insufficient in Toronto. The gap between the two cities makes Saint Cloud, MN 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.

Expats usually find Saint Cloud, MN gentler on the wallet – expenses run 35% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.