Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saint Joseph, MO

For one person, living is cheaper in Saint Joseph, MO: $2,485 a month against $2,610 in Toronto, rent and utilities included – about $1,500 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
121

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

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Saint Joseph, MO

🇺🇸 United States

$2,485

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saint Joseph, 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 Joseph, MO actually costs, broken down by who's living it.

A single person spends $2,610 per month in Toronto vs $2,485 in Saint Joseph, MO, rent included.

Toronto $2,610
Saint Joseph, MO $2,485

A couple spends around $3,727 per month in Toronto vs $3,629 in Saint Joseph, MO, rent included.

Toronto $3,727
Saint Joseph, MO $3,629

A family of three spends $4,844 per month in Toronto vs $4,773 in Saint Joseph, MO, rent included.

Toronto $4,844
Saint Joseph, MO $4,773

Toronto costs about 5% more than Saint Joseph, MO, and outside of rent the biggest gap is in transport.

Both Toronto and Saint Joseph, MO sit above the global median – Toronto by 93%, Saint Joseph, MO by 83%.

Meal at Budget Restaurant

$17.59 CA$24.87

$20.25 $20.25

-13.14%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$50.1 $50.1

57.23%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.79 $10.79

-0.56%

Cappuccino

$4.09 CA$5.78

$5.09 $5.09

-19.65%

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

$2.10 CA$2.97

$2.14 $2.14

-1.87%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.10 $1.10

56.36%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$4.92 $4.92

29.27%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.61 $7.61

-6.96%

Milk (1 liter)

$2.54 CA$3.59

$0.89 $0.89

185.39%

White Bread (500g)

$2.72 CA$3.85

$3.26 $3.26

-16.56%

Rice (white) (1kg)

$2.18 CA$3.09

$6.10 $6.10

-64.26%

Eggs

$3.63 CA$5.13

$4.67 $4.67

-22.27%

Local Cheese (1kg)

$9.46 CA$13.37

$11.63 $11.63

-18.66%

Chicken Fillets (1kg)

$11.54 CA$16.32

$8.39 $8.39

37.54%

Beef Round Steak (1kg)

$14.37 CA$20.32

$14.71 $14.71

-2.31%

Apples (1kg)

$3.70 CA$5.23

$6.98 $6.98

-46.99%

Banana (1kg)

$1.19 CA$1.68

$2.16 $2.16

-44.91%

Oranges (1kg)

$3.46 CA$4.90

$5.80 $5.80

-40.34%

Tomato (1kg)

$4.22 CA$5.97

$4.36 $4.36

-3.21%

Potato (1kg)

$1.79 CA$2.52

$3.42 $3.42

-47.66%

Onion (1kg)

$1.65 CA$2.33

$3.73 $3.73

-55.76%

Lettuce (1 head)

$2.20 CA$3.11

$1.91 $1.91

15.18%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.53 $2.53

-50.20%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$8.74 $8.74

59.84%

Wine (Bottle)

$14.20 CA$20.07

$17.28 $17.28

-17.82%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.87 $1.87

20.32%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.45 $2.45

3.27%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.97 $1.97

17.77%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$5.10 $5.10

-40.00%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.81 $1.81

-32.60%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$35.53 $35.53

-38.95%

Gasoline (1 liter)

$1.21 CA$1.72

$1.04 $1.04

16.35%

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

$26.1K CA$37.0K

$27.7K $27.7K

-5.55%

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

$21.1K CA$29.9K

$26.4K $26.4K

-19.98%

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

$120 CA$169

$147 $147

-18.60%

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

$32.21 CA$45.54

$47.87 $47.87

-32.71%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$66.0 $66.0

-25.97%

Gym Membership (Monthly)

$39.34 CA$55.6

$40.97 $40.97

-3.98%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$15.29 $15.29

-17.72%

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

$832 CA$1,176

$812 $812

2.50%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$20.8K $20.8K

13.26%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$47.92 $47.92

9.10%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$34.63 $34.63

13.89%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$89.1 $89.1

11.06%

Men's Leather Business Shoes

$122 CA$172

$116 $116

5.02%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,616 $1,616

0.94%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,289 $1,289

12.33%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,489 $2,489

9.95%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,185 $2,185

-2.54%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$1,569 $1,569

422.96%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$1,566 $1,566

336.71%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$2,880 $2,880

22.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.37

-29.83%

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

Last update for Toronto: October 18, 2026

Last update for Saint Joseph, MO: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Saint Joseph, MO

$1.3K 51.9% 11% $159

Groceries & Markets

Toronto

$343 13.1%

Saint Joseph, MO

$403 16.2% 17.5% $60

Eating Out

Toronto

$283 10.9%

Saint Joseph, MO

$308 12.4% 8.9% $25

Monthly Utilities & Internet

Toronto

$201 7.7%

Saint Joseph, MO

$261 10.5% 30% $60

Clothing & Footwear

Toronto

$141 5.4%

Saint Joseph, MO

$130 5.2% 8% $11

Getting Around

Toronto

$130 5%

Saint Joseph, MO

$22 * 0.9% 83% $108

Sport & Entertainment

Toronto

$65 2.5%

Saint Joseph, MO

$72 2.9% 10.9% $7

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 $1,616 in Saint Joseph, MO. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 22% higher in Toronto, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $79.0 in Toronto versus $50.0 in Saint Joseph, MO. Groceries tell a different story – $343 in Toronto vs $403 in Saint Joseph, MO – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 Saint Joseph, MO

🕒 Local time

20:09 8:09 PM

19:09 7:09 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

76,780

💱 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 21, 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 21, 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 Joseph, MO 1,350 km ≈ 2 h 15 min nonstop flight

From you

Toronto
Saint Joseph, 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 Joseph, MO: Cost of Living - Frequently Asked Questions

Toronto costs about 5% more than Saint Joseph, MO, and outside of rent the gap comes mainly from transport. 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 $3,727 in Saint Joseph, MO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Joseph, MO, 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 $2,485 in Saint Joseph, MO. That's a gap of about 5%.

Kindergarten costs $832 per month in Toronto and $812 in Saint Joseph, MO. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,610 in Toronto and $2,485 in Saint Joseph, MO. You'll need shared housing and careful budgeting no matter which city you pick.

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

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