Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saratoga, CA

For one person, living costs are similar in Toronto and in Saratoga, CA: $2,610 and $2,517 a month, rent and utilities included.

126

Cost of Living Index in Toronto
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Toronto Living Index
122

Cost of Living Index in Saratoga, CA
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Saratoga, CA Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Saratoga, CA

🇺🇸 United States

$2,517

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,610 in Toronto versus $2,517 in Saratoga, CA.

Toronto $2,610
Saratoga, CA $2,517

Estimated couple costs with rent: $3,727 in Toronto versus $3,732 in Saratoga, CA.

Toronto $3,727
Saratoga, CA $3,732

Monthly costs for a family of three with rent: $4,844 in Toronto versus $4,947 in Saratoga, CA.

Toronto $4,844
Saratoga, CA $4,947

Living in Toronto is roughly 4% more expensive than in Saratoga, CA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 93% above, Saratoga, CA 86% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$25.17 $25.17

-30.12%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$110 $110

-28.21%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$13.16 $13.16

-18.47%

Cappuccino

$4.09 CA$5.78

$4.98 $4.98

-17.87%

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

$2.10 CA$2.97

$1.96 $1.96

7.14%

Water (0.33 liter bottle)

$1.72 CA$2.43

$0.98 $0.98

75.51%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$3.09 $3.09

105.83%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$6.08 $6.08

16.45%

Milk (1 liter)

$2.54 CA$3.59

$1.30 $1.30

95.38%

White Bread (500g)

$2.72 CA$3.85

$3.39 $3.39

-19.76%

Rice (white) (1kg)

$2.18 CA$3.09

$3.25 $3.25

-32.92%

Eggs

$3.63 CA$5.13

$3.95 $3.95

-8.10%

Local Cheese (1kg)

$9.46 CA$13.37

$5.53 $5.53

71.07%

Chicken Fillets (1kg)

$11.54 CA$16.32

$4.35 $4.35

165.29%

Beef Round Steak (1kg)

$14.37 CA$20.32

$10.87 $10.87

32.20%

Apples (1kg)

$3.70 CA$5.23

$4.67 $4.67

-20.77%

Banana (1kg)

$1.19 CA$1.68

$1.08 $1.08

10.19%

Oranges (1kg)

$3.46 CA$4.90

$1.12 $1.12

208.93%

Tomato (1kg)

$4.22 CA$5.97

$3.25 $3.25

29.85%

Potato (1kg)

$1.79 CA$2.52

$0.76 $0.76

135.53%

Onion (1kg)

$1.65 CA$2.33

$0.80 $0.80

106.25%

Lettuce (1 head)

$2.20 CA$3.11

$1.23 $1.23

78.86%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.46 $1.46

-13.70%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$11.72 $11.72

19.20%

Wine (Bottle)

$14.20 CA$20.07

$3.91 $3.91

263.17%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.74 $1.74

29.31%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$4.63 $4.63

-45.36%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$2.03 $2.03

14.29%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$65.9 $65.9

69.50%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$3.51 $3.51

-12.82%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$0.89 $0.89

37.08%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$26.05 $26.05

-16.74%

Gasoline (1 liter)

$1.21 CA$1.72

$1.48 $1.48

-18.24%

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

$26.1K CA$37.0K

$21.9K $21.9K

19.42%

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

$21.1K CA$29.9K

$24.7K $24.7K

-14.36%

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

$120 CA$169

$288 $288

-58.50%

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

$32.21 CA$45.54

$35.61 $35.61

-9.55%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$29.64 $29.64

64.91%

Gym Membership (Monthly)

$39.34 CA$55.6

$40.95 $40.95

-3.93%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$15.11 $15.11

56.06%

Cinema Ticket

$12.58 CA$17.79

$7.96 $7.96

58.04%

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

$832 CA$1,176

$1,407 $1,407

-40.89%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$42.0K $42.0K

-43.77%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$39.80 $39.80

31.36%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$25.03 $25.03

57.57%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$76.1 $76.1

30.14%

Men's Leather Business Shoes

$122 CA$172

$152 $152

-19.64%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,584 $1,584

3.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,304 $1,304

11.07%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,492 $2,492

9.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,139 $2,139

-0.46%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,515 $2,515

226.23%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,359 $2,359

189.90%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$8,088 $8,088

-56.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

-25.50%

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

Last update for Toronto: October 18, 2026

Last update for Saratoga, CA: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Saratoga, CA

$1.3K 51.8% 10% $144

Groceries & Markets

Toronto

$343 13.1%

Saratoga, CA

$249 9.9% 27.3% $94

Eating Out

Toronto

$283 10.9%

Saratoga, CA

$340 13.5% 20.1% $57

Monthly Utilities & Internet

Toronto

$201 7.7%

Saratoga, CA

$354 14% 76.1% $153

Clothing & Footwear

Toronto

$141 5.4%

Saratoga, CA

$132 5.2% 6.4% $9

Getting Around

Toronto

$130 5%

Saratoga, CA

$82 3.3% 37% $48

Sport & Entertainment

Toronto

$65 2.5%

Saratoga, CA

$57 2.3% 11.8% $7.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,631 in Toronto and $1,584 in Saratoga, CA. Housing cost is often the main lever when comparing two cities.

Saratoga, CA pays 130% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $79.0 in Toronto vs $110 in Saratoga, CA. Groceries flip the comparison at $343 vs $249, with Saratoga, CA cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Saratoga, CA

🕒 Local time

09:54 9:54 AM

06:54 6:54 AM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

30,153

💱 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 22, 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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

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Between locations

Toronto Saratoga, CA 3,640 km ≈ 5 h nonstop flight

From you

Toronto
Saratoga, 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 Saratoga, CA: Cost of Living - Frequently Asked Questions

Saratoga, CA wins on cost – living expenses run 4% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Saratoga, CA the obvious pick if budget is a priority.

On paper, salaries run 130% lower in Saratoga, CA. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,631 in Toronto versus $1,584 in Saratoga, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Saratoga, CA – a meal for two runs $110 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,610 per month in Toronto versus $2,517 in Saratoga, CA – a 4% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Saratoga, CA is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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.

Safety-wise, Toronto and Saratoga, CA are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Saratoga, CA gentler on the wallet – expenses run 4% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.