Last update: Nov 2026

Cost of Living Comparison Between Toronto and Saint John's

For one person, living is cheaper in Saint John’s: $1,811 a month against $2,599 in Toronto, rent and utilities included – about $9,500 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 John's

🇦🇬 Antigua and Barbuda

$1,811

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saint John's

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

Monthly costs for one person with rent: $2,599 in Toronto versus $1,811 in Saint John’s.

Toronto $2,599
Saint John's $1,811

Estimated couple costs with rent: $3,700 in Toronto versus $2,821 in Saint John’s.

Toronto $3,700
Saint John's $2,821

Monthly costs for a family of three with rent: $4,801 in Toronto versus $3,831 in Saint John’s.

Toronto $4,801
Saint John's $3,831

Living in Toronto is roughly 44% more expensive than in Saint John’s, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Toronto 92% above, Saint John’s 34% above.

Meal at Budget Restaurant

$17.98 CA$25.20

$16.46 EC$44.45

9.23%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$56.1 EC$152

28.78%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$9.45 EC$25.51

14.60%

Cappuccino

$4.34 CA$6.09

$3.68 EC$9.93

17.93%

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

$2.16 CA$3.03

$1.90 EC$5.14

13.68%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.19 EC$3.21

39.50%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$2.47 EC$6.67

157.09%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$4.43 EC$11.96

65.69%

Milk (1 liter)

$2.57 CA$3.60

$2.24 EC$6.05

14.73%

White Bread (500g)

$2.71 CA$3.79

$2.76 EC$7.44

-1.81%

Rice (white) (1kg)

$2.28 CA$3.19

$1.81 EC$4.89

25.97%

Eggs

$3.60 CA$5.05

$6.54 EC$17.67

-44.95%

Local Cheese (1kg)

$8.94 CA$12.54

$8.69 EC$23.46

2.88%

Chicken Fillets (1kg)

$11.19 CA$15.69

$7.97 EC$21.53

40.40%

Beef Round Steak (1kg)

$15.23 CA$21.34

$12.23 EC$33.01

24.53%

Apples (1kg)

$3.74 CA$5.25

$6.36 EC$17.19

-41.19%

Banana (1kg)

$1.23 CA$1.72

$2.50 EC$6.76

-50.80%

Oranges (1kg)

$3.58 CA$5.02

$8.34 EC$22.52

-57.07%

Tomato (1kg)

$4.25 CA$5.96

$8.35 EC$22.55

-49.10%

Potato (1kg)

$1.94 CA$2.72

$2.81 EC$7.60

-30.96%

Onion (1kg)

$1.67 CA$2.34

$2.88 EC$7.78

-42.01%

Lettuce (1 head)

$2.30 CA$3.22

$2.64 EC$7.11

-12.88%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.59 EC$4.30

-20.75%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

Wine (Bottle)

$14.25 CA$19.97

$5.65 EC$15.25

152.21%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$1.91 EC$5.15

19.37%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$3.34 EC$9.03

-22.75%

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

$1.65 EC$4.44

-25.45%

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

$259 EC$701

-53.45%

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

$33.10 CA$46.40

$41.21 EC$111

-19.68%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$82.4 EC$222

-40.39%

Gym Membership (Monthly)

$36.65 CA$51.4

$64.9 EC$175

-43.55%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

$6.12 EC$16.53

108.82%

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

$754 CA$1,058

$188 EC$508

301.32%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$1,842 EC$4,972

1729.44%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$50.4 EC$136

-0.02%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

Sport Shoes (Adidas, Nike)

$101 CA$142

$74.9 EC$202

35.24%

Men's Leather Business Shoes

$130 CA$183

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,039 EC$2,805

53.04%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$678 EC$1,830

110.16%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$1,684 EC$4,547

56.84%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$1,455 EC$3,927

43.69%

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

$1,366 EC$3,688

165.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

5.5

-19.09%

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

Last update for Toronto: November 2, 2026

Last update for Saint John's: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Saint John's

–

Groceries & Markets

Toronto

$345 13.3%

Saint John's

–

Eating Out

Toronto

$290 11.2%

Saint John's

–

Monthly Utilities & Internet

Toronto

$203 7.8%

Saint John's

–

Clothing & Footwear

Toronto

$145 5.6%

Saint John's

–

Getting Around

Toronto

$130 5%

Saint John's

–

Sport & Entertainment

Toronto

$62 2.4%

Saint John's

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $1,039 in Saint John’s. Housing cost is often the main lever when comparing two cities.

Toronto pays about 2.7 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $72 in Toronto vs $56 in Saint John’s. Groceries flip the comparison at $345 vs $379, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇦🇬 Saint John's

🕒 Local time

23:49 11:49 PM

00:49 12:49 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

21,926 Capital

💱 Currency

Canadian Dollar CAD $

East Caribbean Dollar XCD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 XCD = 0.37 USD

1 XCD = 0.33 EUR

Exchange rates and currency converter

XCD, 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).

East Caribbean Dollar exchange rates as of November 6, 2026: 1 USD = 2.7 XCD (1 XCD = 0.37 USD). 1 EUR = 3.03 XCD (1 XCD = 0.33 EUR).

USD to CAD in detail →

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Toronto Saint John's 3,380 km ≈ 4 h 45 min nonstop flight

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Saint John's

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 John's: Cost of Living - Frequently Asked Questions

Saint John’s is about 30% cheaper overall, especially in clothing and eating out. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Toronto is about 2.7 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,590 in Toronto versus $1,039 in Saint John’s. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $754 in Toronto versus $188 in Saint John’s. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Saint John’s – a meal for two runs $56 versus $72 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,811 in Saint John’s versus $2,599 in Toronto, a $2,500 budget is realistic in Saint John’s but tight or insufficient in Toronto. The gap between the two cities makes Saint John’s 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.

It comes down to priorities – Saint John’s wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.