Last update: Oct 2026

Cost of Living Comparison Between Toronto and San Bernardino, CA

For one person, living is cheaper in Toronto: $2,530 a month against $2,815 in San Bernardino, CA, rent and utilities included – about $3,400 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
139

Cost of Living Index in San Bernardino, CA
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San Bernardino, CA Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

San Bernardino, CA

🇺🇸 United States

$2,815

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in San Bernardino, CA

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 San Bernardino, CA actually costs, broken down by who's living it.

A single person spends $2,530 per month in Toronto vs $2,815 in San Bernardino, CA, rent included.

Toronto $2,530
San Bernardino, CA $2,815

A couple spends around $3,646 per month in Toronto vs $4,351 in San Bernardino, CA, rent included.

Toronto $3,646
San Bernardino, CA $4,351

A family of three spends $4,761 per month in Toronto vs $5,888 in San Bernardino, CA, rent included.

Toronto $4,761
San Bernardino, CA $5,888

Toronto is about 10% cheaper than San Bernardino, CA, and outside of rent the biggest gap is in eating out.

Both Toronto and San Bernardino, CA sit above the global median – Toronto by 89%, San Bernardino, CA by 110%.

Meal at Budget Restaurant

$17.67 CA$25.19

$19.93 $19.93

-11.34%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$76.0 $76.0

1.79%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$16.81 $16.81

-37.72%

Cappuccino

$4.08 CA$5.82

$5.95 $5.95

-31.43%

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

$2.12 CA$3.02

$3.41 $3.41

-37.83%

Water (0.33 liter bottle)

$1.76 CA$2.51

$2.36 $2.36

-25.42%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$7.04 $7.04

-12.36%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.83

$9.68 $9.68

-28.82%

Milk (1 liter)

$2.43 CA$3.47

$1.09 $1.09

122.94%

White Bread (500g)

$2.75 CA$3.92

$4.16 $4.16

-33.89%

Rice (white) (1kg)

$2.23 CA$3.18

$4.69 $4.69

-52.45%

Eggs

$3.45 CA$4.91

$4.75 $4.75

-27.37%

Local Cheese (1kg)

$8.93 CA$12.74

$13.00 $13.00

-31.31%

Chicken Fillets (1kg)

$11.44 CA$16.31

$8.97 $8.97

27.54%

Beef Round Steak (1kg)

$14.61 CA$20.83

$15.13 $15.13

-3.44%

Apples (1kg)

$3.75 CA$5.34

$4.87 $4.87

-23.00%

Banana (1kg)

$1.15 CA$1.64

$1.84 $1.84

-37.50%

Oranges (1kg)

$3.55 CA$5.06

$3.96 $3.96

-10.35%

Tomato (1kg)

$4.28 CA$6.11

$5.53 $5.53

-22.60%

Potato (1kg)

$1.85 CA$2.63

$3.78 $3.78

-51.06%

Onion (1kg)

$1.67 CA$2.38

$2.23 $2.23

-25.11%

Lettuce (1 head)

$2.22 CA$3.16

$1.98 $1.98

12.12%

Water (1.5 liter bottle)

$1.21 CA$1.72

$1.83 $1.83

-33.88%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.79

$11.70 $11.70

18.63%

Wine (Bottle)

$14.25 CA$20.32

$14.72 $14.72

-3.19%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$2.16 $2.16

1.85%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$4.37 $4.37

-44.62%

One-way Ticket (Public Transport)

$2.42 CA$3.45

$1.96 $1.96

23.47%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$58.3 $58.3

89.82%

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$9.99 $9.99

-70.97%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.41

Gasoline (1 liter)

$1.22 CA$1.74

$1.47 $1.47

-17.01%

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

$27.6K CA$39.4K

$37.0K $37.0K

-25.35%

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

$19.8K CA$28.3K

$25.4K $25.4K

-21.91%

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

$122 CA$174

$221 $221

-44.94%

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

$32.03 CA$45.67

$67.6 $67.6

-52.64%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$73.4 $73.4

-34.73%

Gym Membership (Monthly)

$38.90 CA$55.5

$40.32 $40.32

-3.52%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.13

Cinema Ticket

$12.61 CA$17.98

$15.23 $15.23

-17.20%

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

$834 CA$1,189

$1,171 $1,171

-28.76%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$17.4K $17.4K

33.92%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$62.3 $62.3

-15.57%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$47.93 $47.93

-16.00%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$105 $105

-8.81%

Men's Leather Business Shoes

$123 CA$175

$148 $148

-16.72%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,279

$1,819 $1,819

-12.15%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,046

$1,448 $1,448

-0.88%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,788

$2,589 $2,589

2.60%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,989

$2,754 $2,754

-23.90%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$3,645 $3,645

120.40%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,350

$3,609 $3,609

81.68%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,337

$3,444 $3,444

8.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.39

-30.05%

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

Last update for Toronto: October 4, 2026

Last update for San Bernardino, CA: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

San Bernardino, CA

$1.4K 50.4% 0.9% $13

Groceries & Markets

Toronto

$340 13.1%

San Bernardino, CA

$393 13.7% 15.5% $53

Eating Out

Toronto

$282 10.9%

San Bernardino, CA

$359 12.5% 27.3% $77

Monthly Utilities & Internet

Toronto

$202 7.8%

San Bernardino, CA

$362 12.6% 79.6% $161

Clothing & Footwear

Toronto

$140 5.4%

San Bernardino, CA

$164 5.7% 16.5% $23

Getting Around

Toronto

$130 5%

San Bernardino, CA

$76 * 2.7% 41.2% $53

Sport & Entertainment

Toronto

$64 2.5%

San Bernardino, CA

$71 2.5% 10.4% $6.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,598 in Toronto versus $1,819 in San Bernardino, CA. 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 9% higher in Toronto, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $77.0 in Toronto versus $76.0 in San Bernardino, CA. Groceries tell a different story – $340 in Toronto vs $393 in San Bernardino, CA – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇺🇸 San Bernardino, CA

🕒 Local time

00:52 12:52 AM

21:52 9:52 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

220,000

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.701 USD

1 CAD = 0.626 EUR

1 USD = 0.892 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 12, 2026: 1 USD = 1.43 CAD (1 CAD = 0.701 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto San Bernardino, CA 3,410 km ≈ 4 h 45 min nonstop flight

From you

Toronto
San Bernardino, CA

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 San Bernardino, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,530 in Toronto, $2,815 in San Bernardino, CA – roughly 11% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,795 per month in Toronto and $4,222 in San Bernardino, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toronto, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 16% more in San Bernardino, CA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $77.0 in Toronto and $76.0 in San Bernardino, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,530 in Toronto and $2,815 in San Bernardino, CA. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toronto – 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 Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, San Bernardino, CA makes more sense. Both are solid long-term options with distinct trade-offs.