Last update: Nov 2026

Cost of Living Comparison Between Toronto and Saint Croix

For one person, living is cheaper in Saint Croix: $832 a month against $2,599 in Toronto, rent and utilities included – about $21,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Toronto
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Toronto Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Saint Croix

🇻🇮 U.S. Virgin Islands

$832

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $2,599 in Toronto versus $832 in Saint Croix.

Toronto $2,599
Saint Croix $832

Estimated couple costs with rent: $3,700 in Toronto versus $1,695 in Saint Croix.

Toronto $3,700
Saint Croix $1,695

Monthly costs for a family of three with rent: $4,801 in Toronto versus $2,559 in Saint Croix.

Toronto $4,801
Saint Croix $2,559

Living in Toronto is roughly 213% more expensive than in Saint Croix, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Toronto is 92% above, Saint Croix is 38% below.

Meal at Budget Restaurant

$17.98 CA$25.20

$39.83 $39.83

-54.86%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$150 $150

-51.87%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$9.82 $9.82

10.29%

Cappuccino

$4.34 CA$6.09

$7.40 $7.40

-41.35%

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

$2.16 CA$3.03

$3.29 $3.29

-34.35%

Water (0.33 liter bottle)

$1.66 CA$2.32

$3.02 $3.02

-45.03%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$6.08 $6.08

4.44%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$8.22 $8.22

-10.71%

Milk (1 liter)

$2.57 CA$3.60

$2.45 $2.45

4.90%

White Bread (500g)

$2.71 CA$3.79

$7.20 $7.20

-62.36%

Rice (white) (1kg)

$2.28 CA$3.19

$11.24 $11.24

-79.72%

Eggs

$3.60 CA$5.05

$8.55 $8.55

-57.89%

Local Cheese (1kg)

$8.94 CA$12.54

$22.35 $22.35

-60.00%

Chicken Fillets (1kg)

$11.19 CA$15.69

Beef Round Steak (1kg)

$15.23 CA$21.34

Apples (1kg)

$3.74 CA$5.25

$11.22 $11.22

-66.67%

Banana (1kg)

$1.23 CA$1.72

Oranges (1kg)

$3.58 CA$5.02

Tomato (1kg)

$4.25 CA$5.96

Potato (1kg)

$1.94 CA$2.72

Onion (1kg)

$1.67 CA$2.34

Lettuce (1 head)

$2.30 CA$3.22

$5.95 $5.95

-61.34%

Water (1.5 liter bottle)

$1.26 CA$1.77

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

Wine (Bottle)

$14.25 CA$19.97

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

One-way Ticket (Public Transport)

$2.35 CA$3.30

Public Transport Monthly Pass (Regular Price)

$111 CA$156

Taxi Start (Normal Tariff)

$3.01 CA$4.22

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

Gasoline (1 liter)

$1.23 CA$1.73

$0.98 $0.98

25.51%

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

$27.0K CA$37.8K

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

$21.8K CA$30.6K

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

$121 CA$169

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

$33.10 CA$46.40

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

Gym Membership (Monthly)

$36.65 CA$51.4

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

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

$754 CA$1,058

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

Sport Shoes (Adidas, Nike)

$101 CA$142

Men's Leather Business Shoes

$130 CA$183

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$2,540 $2,540

-37.42%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

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

Last update for Toronto: November 2, 2026

Last update for Saint Croix: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Saint Croix

–

Groceries & Markets

Toronto

$345 13.3%

Saint Croix

–

Eating Out

Toronto

$290 11.2%

Saint Croix

–

Monthly Utilities & Internet

Toronto

$203 7.8%

Saint Croix

–

Clothing & Footwear

Toronto

$145 5.6%

Saint Croix

–

Getting Around

Toronto

$130 5%

Saint Croix

–

Sport & Entertainment

Toronto

$62 2.4%

Saint Croix

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $2,540 in Saint Croix. Housing cost is often the main lever when comparing two cities.

Dining out: $72 in Toronto vs $150 in Saint Croix. Groceries flip the comparison at $345 vs $323, with Saint Croix cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇻🇮 Saint Croix

🕒 Local time

00:34 12:34 AM

01:34 1:34 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

50,601

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

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Between locations

Toronto Saint Croix 3,190 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Saint Croix

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 Croix: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,599 in Toronto and $832 in Saint Croix, so Saint Croix is about 68% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $3,899 in Toronto and $1,247 in Saint Croix to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,590 in Toronto versus $2,540 in Saint Croix. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Toronto – a meal for two runs $72 versus $150 in Saint Croix. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,599 per month in Toronto versus $832 in Saint Croix – Saint Croix is about 68% cheaper, which adds up to real savings over time.

At $832 in Saint Croix versus $2,599 in Toronto, a $1,200 budget is realistic in Saint Croix but tight or insufficient in Toronto. The gap between the two cities makes Saint Croix 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.