Last update: Oct 2026

Cost of Living Comparison Between Toronto and St. Cloud, MN

For one person, living is cheaper in St. Cloud, MN: $1,929 a month against $2,530 in Toronto, rent and utilities included – about $7,200 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
94

Cost of Living Index in St. Cloud, MN
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St. Cloud, MN Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

St. Cloud, MN

🇺🇸 United States

$1,929

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in St. Cloud, MN

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 St. Cloud, MN actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,530 in Toronto versus $1,929 in St. Cloud, MN.

Toronto $2,530
St. Cloud, MN $1,929

Estimated couple costs with rent: $3,646 in Toronto versus $3,044 in St. Cloud, MN.

Toronto $3,646
St. Cloud, MN $3,044

Monthly costs for a family of three with rent: $4,761 in Toronto versus $4,158 in St. Cloud, MN.

Toronto $4,761
St. Cloud, MN $4,158

Living in Toronto is roughly 31% more expensive than in St. Cloud, MN, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 89% above, St. Cloud, MN 44% above.

Meal at Budget Restaurant

$17.67 CA$25.19

$20.17 $20.17

-12.39%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$74.1 $74.1

4.41%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$11.08 $11.08

-5.51%

Cappuccino

$4.08 CA$5.82

$5.87 $5.87

-30.49%

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

$2.12 CA$3.02

$2.81 $2.81

-24.56%

Water (0.33 liter bottle)

$1.76 CA$2.51

$2.46 $2.46

-28.46%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$6.86 $6.86

-10.06%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.83

$8.08 $8.08

-14.73%

Milk (1 liter)

$2.43 CA$3.47

$0.76 $0.76

219.74%

White Bread (500g)

$2.75 CA$3.92

$2.79 $2.79

-1.43%

Rice (white) (1kg)

$2.23 CA$3.18

$3.28 $3.28

-32.01%

Eggs

$3.45 CA$4.91

$2.31 $2.31

49.35%

Local Cheese (1kg)

$8.93 CA$12.74

$4.83 $4.83

84.89%

Chicken Fillets (1kg)

$11.44 CA$16.31

$9.61 $9.61

19.04%

Beef Round Steak (1kg)

$14.61 CA$20.83

$17.95 $17.95

-18.61%

Apples (1kg)

$3.75 CA$5.34

$3.80 $3.80

-1.32%

Banana (1kg)

$1.15 CA$1.64

$1.29 $1.29

-10.85%

Oranges (1kg)

$3.55 CA$5.06

$3.39 $3.39

4.72%

Tomato (1kg)

$4.28 CA$6.11

$2.16 $2.16

98.15%

Potato (1kg)

$1.85 CA$2.63

$0.79 $0.79

134.18%

Onion (1kg)

$1.67 CA$2.38

$1.67 $1.67

Lettuce (1 head)

$2.22 CA$3.16

$2.03 $2.03

9.36%

Water (1.5 liter bottle)

$1.21 CA$1.72

$1.83 $1.83

-33.88%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.79

$9.97 $9.97

39.22%

Wine (Bottle)

$14.25 CA$20.32

$11.87 $11.87

20.05%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$1.78 $1.78

23.60%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$3.27 $3.27

-25.99%

One-way Ticket (Public Transport)

$2.42 CA$3.45

$2.07 $2.07

16.91%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$3.01 $3.01

-3.65%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$1.93 $1.93

-34.72%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.41

$32.78 $32.78

-32.79%

Gasoline (1 liter)

$1.22 CA$1.74

$0.88 $0.88

38.64%

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

$27.6K CA$39.4K

$32.4K $32.4K

-14.83%

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

$19.8K CA$28.3K

$22.5K $22.5K

-12.05%

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

$122 CA$174

$168 $168

-27.58%

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

$32.03 CA$45.67

$45.83 $45.83

-30.11%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$44.18 $44.18

8.47%

Gym Membership (Monthly)

$38.90 CA$55.5

$41.54 $41.54

-6.36%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.13

Cinema Ticket

$12.61 CA$17.98

$14.03 $14.03

-10.12%

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

$834 CA$1,189

$1,697 $1,697

-50.86%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$24.3K $24.3K

-4.15%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$62.6 $62.6

-15.92%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$62.2 $62.2

-35.27%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$73.9 $73.9

30.23%

Men's Leather Business Shoes

$123 CA$175

$85.4 $85.4

44.04%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,279

$992 $992

61.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,046

$819 $819

75.21%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,788

$1,892 $1,892

40.43%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,989

$1,626 $1,626

28.91%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$2,638 $2,638

204.53%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,350

$2,594 $2,594

152.76%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,337

$6,096 $6,096

-38.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.61

-32.38%

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

Last update for Toronto: October 4, 2026

Last update for St. Cloud, MN: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

St. Cloud, MN

$819 42.4% 42.9% $616

Groceries & Markets

Toronto

$340 13.1%

St. Cloud, MN

$300 15.5% 11.7% $40

Eating Out

Toronto

$282 10.9%

St. Cloud, MN

$337 17.4% 19.4% $55

Monthly Utilities & Internet

Toronto

$202 7.8%

St. Cloud, MN

$258 13.4% 28% $56

Clothing & Footwear

Toronto

$140 5.4%

St. Cloud, MN

$128 6.6% 9% $13

Getting Around

Toronto

$130 5%

St. Cloud, MN

$21 * 1.1% 83.8% $109

Sport & Entertainment

Toronto

$64 2.5%

St. Cloud, MN

$70 3.6% 8.5% $5.5

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,598 in Toronto and $992 in St. Cloud, MN. Housing cost is often the main lever when comparing two cities.

St. Cloud, MN pays 63% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $77.0 in Toronto vs $74.0 in St. Cloud, MN for a mid-range dinner for two. Groceries echo the gap at $340 vs $300 per month, with St. Cloud, MN cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 St. Cloud, MN

🕒 Local time

05:43 5:43 AM

04:43 4:43 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

65,842

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.701 USD

1 CAD = 0.626 EUR

1 USD = 0.892 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 12, 2026: 1 USD = 1.43 CAD (1 CAD = 0.701 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

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Highest

Between locations

Toronto St. Cloud, MN 1,190 km ≈ 2 h nonstop flight

From you

Toronto
St. Cloud, MN

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 St. Cloud, MN: Cost of Living - Frequently Asked Questions

St. Cloud, MN is cheaper overall, especially in groceries, clothing, and transport. The 31% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 63% lower in St. Cloud, MN. 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: $1,598 in Toronto versus $992 in St. Cloud, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $834 in Toronto versus $1,697 in St. Cloud, MN. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in St. Cloud, MN – a meal for two runs $74.0 versus $77.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,929 in St. Cloud, MN versus $2,530 in Toronto, a $2,500 budget is realistic in St. Cloud, MN but tight or insufficient in Toronto. The gap between the two cities makes St. Cloud, MN 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 St. Cloud, MN gentler on the wallet – expenses run 31% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.