Last update: Oct 2026

Cost of Living Comparison Between Toronto and San Bernardo

For one person, living is cheaper in San Bernardo: $897 a month against $2,561 in Toronto, rent and utilities included – about $20,000 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
44

Cost of Living Index in San Bernardo
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San Bernardo Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

San Bernardo

🇨🇱 Chile

$897

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in San Bernardo

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

A single person spends $2,561 per month in Toronto vs $897 in San Bernardo, rent included.

Toronto $2,561
San Bernardo $897

A couple spends around $3,694 per month in Toronto vs $1,414 in San Bernardo, rent included.

Toronto $3,694
San Bernardo $1,414

A family of three spends $4,826 per month in Toronto vs $1,932 in San Bernardo, rent included.

Toronto $4,826
San Bernardo $1,932

Toronto costs about 185% more than San Bernardo, and outside of rent the biggest gap is in eating out.

Toronto sits 90% above the global median, while San Bernardo is 34% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$17.18 CA$24.29

$7.85 CLP 7,727

118.85%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$25.41 CLP 25.0K

198.98%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$6.51 CLP 6,407

61.90%

Cappuccino

$4.02 CA$5.68

$2.52 CLP 2,481

59.52%

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

$2.12 CA$3.00

$0.94 CLP 922

125.53%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.01 CLP 991

73.27%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$4.05 CLP 3,985

54.07%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$4.49 CLP 4,421

57.91%

Milk (1 liter)

$2.44 CA$3.45

$1.15 CLP 1,132

112.17%

White Bread (500g)

$2.68 CA$3.78

$1.29 CLP 1,272

107.75%

Rice (white) (1kg)

$2.24 CA$3.17

$1.66 CLP 1,632

34.94%

Eggs

$3.56 CA$5.03

$3.91 CLP 3,848

-8.95%

Local Cheese (1kg)

$9.09 CA$12.85

$11.24 CLP 11.1K

-19.13%

Chicken Fillets (1kg)

$11.33 CA$16.01

$4.36 CLP 4,289

159.86%

Beef Round Steak (1kg)

$14.53 CA$20.55

$10.73 CLP 10.6K

35.41%

Apples (1kg)

$3.62 CA$5.12

$1.88 CLP 1,855

92.55%

Banana (1kg)

$1.21 CA$1.72

$1.51 CLP 1,489

-19.87%

Oranges (1kg)

$3.60 CA$5.09

$1.42 CLP 1,396

153.52%

Tomato (1kg)

$4.21 CA$5.96

$1.75 CLP 1,721

140.57%

Potato (1kg)

$1.79 CA$2.53

$0.85 CLP 839

110.59%

Onion (1kg)

$1.59 CA$2.25

$0.84 CLP 822

89.29%

Lettuce (1 head)

$2.27 CA$3.21

$1.21 CLP 1,194

87.60%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.08 CLP 1,065

15.74%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$3.31 CLP 3,259

317.52%

Wine (Bottle)

$14.27 CA$20.18

$6.05 CLP 5,959

135.87%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.57 CLP 1,541

40.13%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.30 CLP 2,261

5.65%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.79 CLP 781

202.53%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$0.40 CLP 391

627.50%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.84 CLP 830

42.86%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$11.45 CLP 11.3K

86.72%

Gasoline (1 liter)

$1.21 CA$1.71

$1.31 CLP 1,293

-7.63%

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

$28.2K CA$39.8K

$17.5K CLP 17.3M

60.75%

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

$20.3K CA$28.6K

$21.7K CLP 21.4M

-6.78%

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

$120 CA$170

$123 CLP 120.7K

-1.88%

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

$32.26 CA$45.60

$12.05 CLP 11.9K

167.72%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$16.63 CLP 16.4K

188.21%

Gym Membership (Monthly)

$38.48 CA$54.4

$19.89 CLP 19.6K

93.46%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$7.43 CLP 7,312

66.62%

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

$830 CA$1,173

$434 CLP 427.0K

91.32%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$10.8K CLP 10.6M

114.42%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$36.88 CLP 36.3K

37.50%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$26.73 CLP 26.3K

49.72%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$65.3 CLP 64.3K

50.10%

Men's Leather Business Shoes

$121 CA$171

$80.5 CLP 79.3K

49.82%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$279 CLP 274.4K

471.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$245 CLP 241.6K

474.69%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$703 CLP 691.9K

279.86%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$552 CLP 543.3K

289.86%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$1,856 CLP 1.8M

328.01%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$1,357 CLP 1.3M

382.01%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$1,335 CLP 1.3M

179.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

5.39

-17.07%

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

Last update for Toronto: October 12, 2026

Last update for San Bernardo: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

San Bernardo

$245 27.4% 82.6% $1.2K

Groceries & Markets

Toronto

$340 13.3%

San Bernardo

$214 23.9% 37% $126

Eating Out

Toronto

$278 10.9%

San Bernardo

$150 16.7% 46.2% $129

Monthly Utilities & Internet

Toronto

$201 7.8%

San Bernardo

$151 16.9% 24.5% $49

Clothing & Footwear

Toronto

$139 5.4%

San Bernardo

$94 10.5% 32.3% $45

Getting Around

Toronto

$129 5.1%

San Bernardo

$7.8 * 0.9% 94% $122

Sport & Entertainment

Toronto

$63 2.5%

San Bernardo

$35 3.9% 45.1% $28

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

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $279 in San Bernardo. 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 179% 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 $76.0 in Toronto versus $25.00 in San Bernardo. Monthly groceries follow the same trend: $340 vs $214 – making San Bernardo the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇨🇱 San Bernardo

🕒 Local time

14:08 2:08 PM

15:08 3:08 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

290,912

💱 Currency

Canadian Dollar CAD $

Chilean Peso CLP $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

10,000 CLP = 10.16 USD

10,000 CLP = 9.04 EUR

Exchange rates and currency converter

CLP, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 17, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

Chilean Peso exchange rates as of October 17, 2026: 1 USD = 984 CLP (1,000 CLP = 1.02 USD). 1 EUR = 1,107 CLP (10,000 CLP = 9.04 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto San Bernardo 8,630 km ≈ 11 h nonstop flight

From you

Toronto
San Bernardo

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 Bernardo: Cost of Living - Frequently Asked Questions

Toronto costs about 185% more than San Bernardo, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,841 per month in Toronto and $1,345 in San Bernardo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in San Bernardo, 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 $2,561 in Toronto and $897 in San Bernardo. That's a gap of about 185%.

Kindergarten costs $830 per month in Toronto and $434 in San Bernardo. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in San Bernardo, where all-in costs run around $897, than in Toronto at $2,561. In San Bernardo it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward San Bernardo – 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 San Bernardo. 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.