Last update: Oct 2026

Cost of Living Comparison Between Toronto and Saratoga Springs, UT,

For one person, living costs are similar in Toronto and in Saratoga Springs, UT,: $2,561 and $2,455 a month, rent and utilities included.

125

Cost of Living Index in Toronto
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Toronto Living Index
119

Cost of Living Index in Saratoga Springs, UT,
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Saratoga Springs, UT, Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Saratoga Springs, UT,

🇺🇸 United States

$2,455

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Saratoga Springs, UT,

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

Monthly costs for one person with rent: $2,561 in Toronto versus $2,455 in Saratoga Springs, UT,.

Toronto $2,561
Saratoga Springs, UT, $2,455

Estimated couple costs with rent: $3,694 in Toronto versus $3,722 in Saratoga Springs, UT,.

Toronto $3,694
Saratoga Springs, UT, $3,722

Monthly costs for a family of three with rent: $4,826 in Toronto versus $4,988 in Saratoga Springs, UT,.

Toronto $4,826
Saratoga Springs, UT, $4,988

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

Both cities are pricier than the global median: Toronto 90% above, Saratoga Springs, UT, 82% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$20.11 $20.11

-14.57%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$81.2 $81.2

-6.46%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$11.56 $11.56

-8.82%

Cappuccino

$4.02 CA$5.68

$5.21 $5.21

-22.84%

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

$2.12 CA$3.00

$2.69 $2.69

-21.19%

Water (0.33 liter bottle)

$1.75 CA$2.48

$2.03 $2.03

-13.79%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$6.06 $6.06

2.97%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$7.32 $7.32

-3.14%

Milk (1 liter)

$2.44 CA$3.45

$0.97 $0.97

151.55%

White Bread (500g)

$2.68 CA$3.78

$3.51 $3.51

-23.65%

Rice (white) (1kg)

$2.24 CA$3.17

$2.54 $2.54

-11.81%

Eggs

$3.56 CA$5.03

$4.65 $4.65

-23.44%

Local Cheese (1kg)

$9.09 CA$12.85

$16.52 $16.52

-44.98%

Chicken Fillets (1kg)

$11.33 CA$16.01

$13.49 $13.49

-16.01%

Beef Round Steak (1kg)

$14.53 CA$20.55

$14.32 $14.32

1.47%

Apples (1kg)

$3.62 CA$5.12

$6.52 $6.52

-44.48%

Banana (1kg)

$1.21 CA$1.72

$1.57 $1.57

-22.93%

Oranges (1kg)

$3.60 CA$5.09

$5.72 $5.72

-37.06%

Tomato (1kg)

$4.21 CA$5.96

$4.69 $4.69

-10.23%

Potato (1kg)

$1.79 CA$2.53

$4.73 $4.73

-62.16%

Onion (1kg)

$1.59 CA$2.25

$4.21 $4.21

-62.23%

Lettuce (1 head)

$2.27 CA$3.21

$1.91 $1.91

18.85%

Water (1.5 liter bottle)

$1.25 CA$1.77

$3.02 $3.02

-58.61%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$8.52 $8.52

62.21%

Wine (Bottle)

$14.27 CA$20.18

$14.88 $14.88

-4.10%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$1.79 $1.79

22.91%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.50 $3.50

-30.57%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$2.04 $2.04

17.16%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$45.60 $45.60

143.27%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.06 $3.06

-4.90%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.91 $1.91

-37.17%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$31.13 $31.13

-31.32%

Gasoline (1 liter)

$1.21 CA$1.71

$1.13 $1.13

7.08%

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

$28.2K CA$39.8K

$31.6K $31.6K

-10.70%

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

$20.3K CA$28.6K

$22.0K $22.0K

-7.79%

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

$120 CA$170

$202 $202

-40.53%

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

$32.26 CA$45.60

$58.5 $58.5

-44.88%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$69.9 $69.9

-31.46%

Gym Membership (Monthly)

$38.48 CA$54.4

$65.1 $65.1

-40.87%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$10.83 $10.83

14.31%

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

$830 CA$1,173

$1,393 $1,393

-40.41%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$21.1K $21.1K

9.27%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$54.0 $54.0

-6.02%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$40.82 $40.82

-1.96%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$88.2 $88.2

11.14%

Men's Leather Business Shoes

$121 CA$171

$113 $113

6.52%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,184 $1,184

34.44%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,082 $1,082

30.34%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,042 $2,042

30.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$1,933 $1,933

11.32%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$2,527 $2,527

214.42%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$2,543 $2,543

157.30%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$4,863 $4,863

-23.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.57

-31.96%

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

Last update for Toronto: October 12, 2026

Last update for Saratoga Springs, UT,: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Saratoga Springs, UT,

$1.1K 44.1% 23.3% $328

Groceries & Markets

Toronto

$340 13.3%

Saratoga Springs, UT,

$434 17.7% 27.8% $94

Eating Out

Toronto

$278 10.9%

Saratoga Springs, UT,

$322 13.1% 15.7% $44

Monthly Utilities & Internet

Toronto

$201 7.8%

Saratoga Springs, UT,

$331 13.5% 65% $130

Clothing & Footwear

Toronto

$139 5.4%

Saratoga Springs, UT,

$133 5.4% 4.3% $5.9

Getting Around

Toronto

$129 5.1%

Saratoga Springs, UT,

$66 2.7% 48.7% $63

Sport & Entertainment

Toronto

$63 2.5%

Saratoga Springs, UT,

$87 3.5% 37.2% $24

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $1,184 in Saratoga Springs, UT,. Housing cost is often the main lever when comparing two cities.

Saratoga Springs, UT, pays 30% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Toronto vs $81.0 in Saratoga Springs, UT, for a mid-range dinner for two. Groceries echo the gap at $340 vs $434 per month, with Toronto cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Saratoga Springs, UT,

🕒 Local time

10:15 10:15 AM

08:15 8:15 AM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

28,491

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.889 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 17, 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 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

USD to CAD in detail →

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Between locations

Toronto Saratoga Springs, UT, 2,690 km ≈ 3 h 45 min nonstop flight

From you

Toronto
Saratoga Springs, UT,

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 Springs, UT,: Cost of Living - Frequently Asked Questions

Toronto and Saratoga Springs, UT, differ by about 4% in total monthly costs ($2,561 vs $2,455 including rent). Saratoga Springs, UT, is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 30% lower in Saratoga Springs, UT,. 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: $1,592 in Toronto versus $1,184 in Saratoga Springs, UT,. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $830 in Toronto versus $1,393 in Saratoga Springs, UT,. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Toronto pay roughly 28% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $2,455 in Saratoga Springs, UT, versus $2,561 in Toronto, a $3,000 budget is realistic in Saratoga Springs, UT, but tight or insufficient in Toronto. The gap between the two cities makes Saratoga Springs, UT, 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.

Safety-wise, Toronto and Saratoga Springs, UT, 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 Springs, UT, 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.