Last update: Nov 2026

Cost of Living Comparison Between Toronto and San Fernando, Trinidad And Tobago

For one person, living is cheaper in San Fernando: $1,268 a month against $2,599 in Toronto, rent and utilities included – about $16,000 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
60

Cost of Living Index in San Fernando
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San Fernando Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

San Fernando

🇹🇹 Trinidad And Tobago

$1,268

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $2,599 in Toronto versus $1,268 in San Fernando.

Toronto $2,599
San Fernando $1,268

Estimated couple costs with rent: $3,700 in Toronto versus $2,050 in San Fernando.

Toronto $3,700
San Fernando $2,050

Monthly costs for a family of three with rent: $4,801 in Toronto versus $2,832 in San Fernando.

Toronto $4,801
San Fernando $2,832

Living in Toronto is roughly 105% more expensive than in San Fernando, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Toronto is 92% above, San Fernando is 6% below.

Meal at Budget Restaurant

$17.98 CA$25.28

$10.30 TTD 68.5

74.56%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$102

$59.5 TTD 396

21.36%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.23

$8.02 TTD 53.3

35.04%

Cappuccino

$4.34 CA$6.11

$3.77 TTD 25.03

15.12%

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

$2.16 CA$3.04

$1.04 TTD 6.91

107.69%

Water (0.33 liter bottle)

$1.66 CA$2.33

$0.76 TTD 5.05

118.42%

Local Beer (0.5 liter draught)

$6.35 CA$8.93

$1.90 TTD 12.64

234.21%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.32

$2.71 TTD 17.97

170.85%

Milk (1 liter)

$2.57 CA$3.61

$2.00 TTD 13.27

28.50%

White Bread (500g)

$2.71 CA$3.81

$2.36 TTD 15.65

14.83%

Rice (white) (1kg)

$2.28 CA$3.20

$2.83 TTD 18.81

-19.43%

Eggs

$3.60 CA$5.07

$3.88 TTD 25.79

-7.22%

Local Cheese (1kg)

$8.94 CA$12.58

$6.63 TTD 44.01

34.84%

Chicken Fillets (1kg)

$11.19 CA$15.74

$10.22 TTD 67.9

9.49%

Beef Round Steak (1kg)

$15.23 CA$21.41

$9.03 TTD 60.0

68.66%

Apples (1kg)

$3.74 CA$5.27

$5.37 TTD 35.65

-30.35%

Banana (1kg)

$1.23 CA$1.72

$2.56 TTD 17.03

-51.95%

Oranges (1kg)

$3.58 CA$5.03

$3.60 TTD 23.91

-0.56%

Tomato (1kg)

$4.25 CA$5.98

$4.35 TTD 28.91

-2.30%

Potato (1kg)

$1.94 CA$2.73

$0.72 TTD 4.78

169.44%

Onion (1kg)

$1.67 CA$2.35

$0.73 TTD 4.83

128.77%

Lettuce (1 head)

$2.30 CA$3.23

$1.46 TTD 9.70

57.53%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.15 TTD 7.66

9.57%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.96

$5.76 TTD 38.23

146.35%

Wine (Bottle)

$14.25 CA$20.04

$17.49 TTD 116

-18.52%

Local Beer (0.5 liter bottle)

$2.28 CA$3.21

$1.56 TTD 10.38

46.15%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.63

$3.12 TTD 20.71

-17.31%

One-way Ticket (Public Transport)

$2.35 CA$3.31

$0.46 TTD 3.02

410.87%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$43.79 TTD 291

153.44%

Taxi Start (Normal Tariff)

$3.01 CA$4.24

$0.92 TTD 6.14

227.17%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$0.87 TTD 5.76

40.23%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.69

$14.69 TTD 97.6

48.54%

Gasoline (1 liter)

$1.23 CA$1.73

$1.18 TTD 7.84

4.24%

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

$27.0K CA$37.9K

$36.3K TTD 241.0K

-25.70%

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

$21.8K CA$30.7K

$41.6K TTD 276.6K

-47.54%

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

$121 CA$170

$44.25 TTD 294

172.95%

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

$33.10 CA$46.55

$42.92 TTD 285

-22.88%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$69.0

$45.83 TTD 304

7.11%

Gym Membership (Monthly)

$36.65 CA$51.5

$51.1 TTD 340

-28.33%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.17

$22.25 TTD 148

12.40%

Cinema Ticket

$12.78 CA$17.97

$8.91 TTD 59.2

43.43%

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

$754 CA$1,061

$396 TTD 2,631

90.50%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.4K

$16.5K TTD 109.4K

104.57%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.9

$55.0 TTD 365

-8.30%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.3

$37.07 TTD 246

11.76%

Sport Shoes (Adidas, Nike)

$101 CA$142

$90.0 TTD 598

12.47%

Men's Leather Business Shoes

$130 CA$183

$87.2 TTD 579

49.33%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,236

$520 TTD 3,456

205.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$2,003

$401 TTD 2,666

254.88%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,714

$917 TTD 6,089

188.13%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,939

$745 TTD 4,946

180.68%

Buy Apartment in City Center (m2)

$7,730 CA$10.9K

$2,014 TTD 13.4K

283.74%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,692

$1,504 TTD 9,993

358.08%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,095

$1,051 TTD 6,981

244.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

5.75

-22.61%

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

Last update for Toronto: November 2, 2026

Last update for San Fernando: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

San Fernando

$401 31.6% 71.8% $1K

Groceries & Markets

Toronto

$345 13.3%

San Fernando

$319 25.2% 7.5% $26

Eating Out

Toronto

$290 11.2%

San Fernando

$174 13.7% 40.1% $116

Monthly Utilities & Internet

Toronto

$203 7.8%

San Fernando

$133 10.5% 34.5% $70

Clothing & Footwear

Toronto

$145 5.6%

San Fernando

$121 9.6% 16.7% $24

Getting Around

Toronto

$130 5%

San Fernando

$51 4% 60.7% $79

Sport & Entertainment

Toronto

$62 2.4%

San Fernando

$69 5.4% 10.9% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $520 in San Fernando. Housing cost is often the main lever when comparing two cities.

Toronto pays about 3.4 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $72 in Toronto vs $60 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $345 vs $319 per month, with San Fernando cheaper across the board.

Good to know

🇨🇦 Toronto

🇹🇹 San Fernando

🕒 Local time

08:36 8:36 AM

09:36 9:36 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

55,419

💱 Currency

Canadian Dollar CAD $

Trinidad and Tobago Dollar TTD $

📈 Exchange rate

1 CAD = 0.711 USD

1 CAD = 0.633 EUR

1 TTD = 0.151 USD

1 TTD = 0.134 EUR

Exchange rates and currency converter

TTD, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.41 CAD (1 CAD = 0.711 USD). 1 EUR = 1.58 CAD (1 CAD = 0.633 EUR).

Trinidad and Tobago Dollar exchange rates as of November 6, 2026: 1 USD = 6.64 TTD (1 TTD = 0.151 USD). 1 EUR = 7.46 TTD (1 TTD = 0.134 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto San Fernando 4,090 km ≈ 6 h nonstop flight

From you

Toronto
San Fernando

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 Fernando: Cost of Living - Frequently Asked Questions

San Fernando is about 51% cheaper overall, especially in eating out, transport, and groceries. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Toronto is about 3.4 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 $520 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in San Fernando – a meal for two runs $60 versus $72 in Toronto. 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 $1,268 in San Fernando – San Fernando is about 51% cheaper, which adds up to real savings over time.

At $1,268 in San Fernando versus $2,599 in Toronto, a $1,500 budget is realistic in San Fernando but tight or insufficient in Toronto. The gap between the two cities makes San Fernando 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.

Expats usually find San Fernando gentler on the wallet – expenses run 51% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.