Last update: Oct 2026

Cost of Living Comparison Between Toronto and St. John's, Newfoundland and Labrador

For one person, living is cheaper in St. John’s, Newfoundland and Labrador: $2,128 a month against $2,589 in Toronto, rent and utilities included – about $5,500 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
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Toronto Living Index
102

Cost of Living Index in St. John's, Newfoundland and Labrador
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St. John's, Newfoundland and Labrador Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

St. John's, Newfoundland and Labrador

🇨🇦 Canada

$2,128

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in St. John's, Newfoundland and Labrador

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. John's, Newfoundland and Labrador actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,589 in Toronto versus $2,128 in St. John’s, Newfoundland and Labrador.

Toronto $2,589
St. John's, Newfoundland and Labrador $2,128

Estimated couple costs with rent: $3,710 in Toronto versus $3,149 in St. John’s, Newfoundland and Labrador.

Toronto $3,710
St. John's, Newfoundland and Labrador $3,149

Monthly costs for a family of three with rent: $4,831 in Toronto versus $4,170 in St. John’s, Newfoundland and Labrador.

Toronto $4,831
St. John's, Newfoundland and Labrador $4,170

Living in Toronto is roughly 22% more expensive than in St. John’s, Newfoundland and Labrador, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, St. John’s, Newfoundland and Labrador 56% above.

Meal at Budget Restaurant

$17.60 CA$24.62

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$72.0 CA$101

8.04%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.81

$11.73 CA$16.41

-9.72%

Cappuccino

$4.16 CA$5.82

$4.03 CA$5.64

3.23%

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

$2.04 CA$2.86

$2.59 CA$3.62

-21.24%

Water (0.33 liter bottle)

$1.75 CA$2.45

$2.20 CA$3.08

-20.45%

Local Beer (0.5 liter draught)

$6.58 CA$9.20

$4.87 CA$6.82

35.11%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.95

$5.43 CA$7.59

30.94%

Milk (1 liter)

$2.53 CA$3.55

$2.77 CA$3.88

-8.66%

White Bread (500g)

$2.70 CA$3.78

$3.07 CA$4.30

-12.05%

Rice (white) (1kg)

$2.24 CA$3.13

$4.28 CA$5.99

-47.66%

Eggs

$3.48 CA$4.87

$3.87 CA$5.42

-10.08%

Local Cheese (1kg)

$9.38 CA$13.11

$11.53 CA$16.13

-18.65%

Chicken Fillets (1kg)

$11.60 CA$16.22

$13.32 CA$18.63

-12.91%

Beef Round Steak (1kg)

$14.68 CA$20.54

$11.81 CA$16.53

24.30%

Apples (1kg)

$3.74 CA$5.24

$4.85 CA$6.78

-22.89%

Banana (1kg)

$1.22 CA$1.71

$3.09 CA$4.33

-60.52%

Oranges (1kg)

$3.48 CA$4.87

$4.80 CA$6.71

-27.50%

Tomato (1kg)

$4.32 CA$6.05

$3.08 CA$4.30

40.26%

Potato (1kg)

$1.85 CA$2.59

$2.65 CA$3.70

-30.19%

Onion (1kg)

$1.69 CA$2.36

$2.31 CA$3.23

-26.84%

Lettuce (1 head)

$2.23 CA$3.12

$2.86 CA$4.00

-22.03%

Water (1.5 liter bottle)

$1.28 CA$1.79

$2.02 CA$2.82

-36.63%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.64

$13.80 CA$19.30

1.74%

Wine (Bottle)

$14.43 CA$20.18

$16.10 CA$22.52

-10.37%

Local Beer (0.5 liter bottle)

$2.16 CA$3.02

$4.19 CA$5.87

-48.45%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.53

$4.33 CA$6.06

-41.80%

One-way Ticket (Public Transport)

$2.37 CA$3.31

$1.83 CA$2.56

29.51%

Public Transport Monthly Pass (Regular Price)

$112 CA$157

$55.7 CA$77.9

101.98%

Taxi Start (Normal Tariff)

$3.04 CA$4.26

$3.22 CA$4.51

-5.59%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.73

$1.75 CA$2.45

-29.14%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.55

$28.39 CA$39.71

-20.57%

Gasoline (1 liter)

$1.24 CA$1.74

$1.39 CA$1.94

-10.79%

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

$26.9K CA$37.6K

$28.6K CA$40.1K

-6.09%

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

$21.4K CA$29.9K

$23.8K CA$33.4K

-10.33%

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

$125 CA$174

$182 CA$255

-31.56%

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

$33.05 CA$46.23

$41.72 CA$58.4

-20.78%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.1

$76.6 CA$107

-37.37%

Gym Membership (Monthly)

$36.69 CA$51.3

$68.1 CA$95.3

-46.15%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.11

$19.14 CA$26.77

23.67%

Cinema Ticket

$13.08 CA$18.29

$10.63 CA$14.87

23.05%

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

$759 CA$1,061

$535 CA$748

41.85%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.3K

$9,862 CA$13.8K

141.16%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.9

$66.9 CA$93.6

-20.01%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.6

$51.5 CA$72.0

-21.43%

Sport Shoes (Adidas, Nike)

$100 CA$141

$81.7 CA$114

23.00%

Men's Leather Business Shoes

$125 CA$175

$96.2 CA$135

30.18%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,280

$1,041 CA$1,457

56.49%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,980

$836 CA$1,169

69.37%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,768

$1,540 CA$2,153

74.99%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,939

$1,322 CA$1,849

58.92%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$2,435 CA$3,405

210.12%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,335

$1,776 CA$2,484

275.80%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,956

$2,823 CA$3,949

25.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.57

-2.63%

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

Last update for Toronto: October 26, 2026

Last update for St. John's, Newfoundland and Labrador: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

St. John's, Newfoundland and Labrador

$836 39.3% 41% $580

Groceries & Markets

Toronto

$345 13.3%

St. John's, Newfoundland and Labrador

$415 19.5% 20.4% $70

Eating Out

Toronto

$285 11%

St. John's, Newfoundland and Labrador

$279 13.1% 2.1% $6

Monthly Utilities & Internet

Toronto

$206 7.9%

St. John's, Newfoundland and Labrador

$300 14.1% 46.1% $95

Clothing & Footwear

Toronto

$144 5.6%

St. John's, Newfoundland and Labrador

$133 6.3% 7.3% $11

Getting Around

Toronto

$131 5.1%

St. John's, Newfoundland and Labrador

$75 3.5% 42.8% $56

Sport & Entertainment

Toronto

$63 2.4%

St. John's, Newfoundland and Labrador

$89 4.2% 42.3% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,041 in St. John’s, Newfoundland and Labrador. Housing cost is often the main lever when comparing two cities.

Toronto pays 26% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $72 in St. John’s, Newfoundland and Labrador. Groceries flip the comparison at $345 vs $415, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 St. John's, Newfoundland and Labrador

🕒 Local time

02:51 2:51 AM

04:21 4:21 AM

1 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

110,525

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.715 USD

1 CAD = 0.642 EUR

1 CAD = 0.715 USD

1 CAD = 0.642 EUR

Exchange rates and currency converter

On the map

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Between locations

Toronto St. John's, Newfoundland and Labrador 2,110 km ≈ 3 h 15 min nonstop flight

From you

Toronto
St. John's, Newfoundland and Labrador

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. John's, Newfoundland and Labrador: Cost of Living - Frequently Asked Questions

St. John’s, Newfoundland and Labrador is about 18% cheaper overall, especially in transport and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 26% higher in Toronto, 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: $1,630 in Toronto versus $1,041 in St. John’s, Newfoundland and Labrador. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in St. John’s, Newfoundland and Labrador runs roughly 50% less than in Toronto. The price difference matters if you commute daily and watch your budget.

Childcare runs $759 in Toronto versus $535 in St. John’s, Newfoundland and Labrador. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $2,128 in St. John’s, Newfoundland and Labrador versus $2,589 in Toronto, a $2,500 budget is realistic in St. John’s, Newfoundland and Labrador but tight or insufficient in Toronto. The gap between the two cities makes St. John’s, Newfoundland and Labrador the clear choice for anyone on this budget.

For families, St. John’s, Newfoundland and Labrador is more practical. Housing and childcare are both notably cheaper than in Toronto, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – St. John’s, Newfoundland and Labrador wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.