Last update: Nov 2026

Cost of Living Comparison Between Toronto and Simpson Bay

For one person, living is cheaper in Toronto: $2,599 a month against $3,856 in Simpson Bay, rent and utilities included – about $15,100 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Toronto
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Toronto Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Simpson Bay

🇸🇽 Sint Maarten

$3,856

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Simpson Bay

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

A single person spends $2,599 per month in Toronto vs $3,856 in Simpson Bay, rent included.

Toronto $2,599
Simpson Bay $3,856

A couple spends around $3,700 per month in Toronto vs $6,539 in Simpson Bay, rent included.

Toronto $3,700
Simpson Bay $6,539

A family of three spends $4,801 per month in Toronto vs $9,222 in Simpson Bay, rent included.

Toronto $4,801
Simpson Bay $9,222

Toronto is about 33% cheaper than Simpson Bay, and outside of rent the biggest gap is in groceries.

Both Toronto and Simpson Bay sit above the global median – Toronto by 92%, Simpson Bay by 185%.

Meal at Budget Restaurant

$17.98 CA$25.09

$18.72 ANG 33.52

-3.95%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$130 ANG 232

-44.34%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.11

$12.94 ANG 23.16

-16.31%

Cappuccino

$4.34 CA$6.06

$4.29 ANG 7.68

1.17%

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

$2.16 CA$3.01

$2.93 ANG 5.24

-26.28%

Water (0.33 liter bottle)

$1.66 CA$2.31

$2.97 ANG 5.32

-44.11%

Local Beer (0.5 liter draught)

$6.35 CA$8.86

$5.48 ANG 9.81

15.88%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.25

$3.98 ANG 7.13

84.42%

Milk (1 liter)

$2.57 CA$3.59

$3.94 ANG 7.06

-34.77%

White Bread (500g)

$2.71 CA$3.78

$2.79 ANG 4.99

-2.87%

Rice (white) (1kg)

$2.28 CA$3.18

$3.05 ANG 5.46

-25.25%

Eggs

$3.60 CA$5.03

$4.46 ANG 7.98

-19.28%

Local Cheese (1kg)

$8.94 CA$12.48

$25.44 ANG 45.53

-64.86%

Chicken Fillets (1kg)

$11.19 CA$15.62

$13.59 ANG 24.33

-17.66%

Beef Round Steak (1kg)

$15.23 CA$21.25

$17.13 ANG 30.65

-11.09%

Apples (1kg)

$3.74 CA$5.23

$4.32 ANG 7.73

-13.43%

Banana (1kg)

$1.23 CA$1.71

$3.52 ANG 6.31

-65.06%

Oranges (1kg)

$3.58 CA$5.00

$6.66 ANG 11.92

-46.25%

Tomato (1kg)

$4.25 CA$5.93

$4.98 ANG 8.91

-14.66%

Potato (1kg)

$1.94 CA$2.71

$3.92 ANG 7.01

-50.51%

Onion (1kg)

$1.67 CA$2.33

$3.55 ANG 6.36

-52.96%

Lettuce (1 head)

$2.30 CA$3.21

$3.06 ANG 5.48

-24.84%

Water (1.5 liter bottle)

$1.26 CA$1.76

$1.41 ANG 2.53

-10.64%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.81

Wine (Bottle)

$14.25 CA$19.89

$14.74 ANG 26.38

-3.32%

Local Beer (0.5 liter bottle)

$2.28 CA$3.18

Imported Beer (0.33 liter bottle)

$2.58 CA$3.61

$1.80 ANG 3.22

43.33%

One-way Ticket (Public Transport)

$2.35 CA$3.29

$2.96 ANG 5.29

-20.61%

Public Transport Monthly Pass (Regular Price)

$111 CA$155

Taxi Start (Normal Tariff)

$3.01 CA$4.21

$14.97 ANG 26.80

-79.89%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.47

Gasoline (1 liter)

$1.23 CA$1.72

$1.25 ANG 2.25

-1.60%

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

$27.0K CA$37.6K

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

$21.8K CA$30.5K

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

$121 CA$169

$505 ANG 904

-76.08%

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

$33.10 CA$46.21

$34.57 ANG 61.9

-4.25%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.5

$88.4 ANG 158

-44.45%

Gym Membership (Monthly)

$36.65 CA$51.2

$76.1 ANG 136

-51.81%

Tennis Court (1 Hour on Weekend)

$25.01 CA$34.91

Cinema Ticket

$12.78 CA$17.84

$8.15 ANG 14.59

56.81%

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

$754 CA$1,053

$745 ANG 1,334

1.21%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.0K

$12.0K ANG 21.4K

181.42%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.3

$49.66 ANG 88.9

1.47%

Summer Dress (H&M, Zara, etc)

$41.43 CA$57.8

$40.54 ANG 72.6

2.20%

Sport Shoes (Adidas, Nike)

$101 CA$141

$98.5 ANG 176

2.79%

Men's Leather Business Shoes

$130 CA$182

$59.6 ANG 107

118.62%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,219

$2,289 ANG 4,097

-30.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,988

$2,230 ANG 3,992

-36.13%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,687

$5,892 ANG 10.5K

-55.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,918

$5,710 ANG 10.2K

-63.40%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

Buy Apartment Outside City Center (m2)

$6,892 CA$9,620

Average Monthly Net Salary (After Tax)

$3,623 CA$5,057

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

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

Last update for Toronto: November 2, 2026

Last update for Simpson Bay: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Simpson Bay

–

Groceries & Markets

Toronto

$345 13.3%

Simpson Bay

–

Eating Out

Toronto

$290 11.2%

Simpson Bay

–

Monthly Utilities & Internet

Toronto

$203 7.8%

Simpson Bay

–

Clothing & Footwear

Toronto

$145 5.6%

Simpson Bay

–

Getting Around

Toronto

$130 5%

Simpson Bay

–

Sport & Entertainment

Toronto

$62 2.4%

Simpson Bay

–

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $2,289 in Simpson Bay. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $72 in Toronto versus $130 in Simpson Bay. Monthly groceries follow the same trend: $345 vs $468 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇸🇽 Simpson Bay

🕒 Local time

14:13 2:13 PM

15:13 3:13 PM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

6,000

💱 Currency

Canadian Dollar CAD $

Netherlands Antillean Guilder ANG ƒ

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.638 EUR

1 ANG = 0.559 USD

1 ANG = 0.497 EUR

Exchange rates and currency converter

ANG, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 5, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.57 CAD (1 CAD = 0.638 EUR).

Netherlands Antillean Guilder exchange rates as of November 5, 2026: 1 USD = 1.79 ANG (1 ANG = 0.559 USD). 1 EUR = 2.01 ANG (1 ANG = 0.497 EUR).

USD to CAD in detail →

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Between locations

Toronto Simpson Bay 3,230 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Simpson Bay

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 Simpson Bay: Cost of Living - Frequently Asked Questions

Simpson Bay costs about 48% more than Toronto, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,899 per month in Toronto and $5,784 in Simpson Bay. 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: a one-bedroom in the center costs $1,590 there versus $2,289 in Simpson Bay.

A mid-range dinner for two costs $72 in Toronto and $130 in Simpson Bay. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 36% more in Simpson Bay, though the gap depends on what you buy.

$2,500 is a stretch for both – monthly costs hit $2,599 in Toronto and $3,856 in Simpson Bay. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Simpson Bay has an edge in some lifestyle areas, with costs from $2,599 in Toronto to $3,856 in Simpson Bay. Climate, culture, job market, and personal taste all factor in.