Last update: Oct 2026

Cost of Living Comparison Between Toronto and St. Thomas, Canada

Name: St. Thomas
Address: St. Thomas, CA

For one person, living is cheaper in St. Thomas: $2,436 a month against $2,589 in Toronto, rent and utilities included – about $1,800 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
111

Cost of Living Index in St. Thomas
Learn more

St. Thomas Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,589

/mo nomad

St. Thomas

🇨🇦 Canada

$2,436

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in St. Thomas

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

Monthly costs for one person with rent: $2,589 in Toronto versus $2,436 in St. Thomas.

Toronto $2,589
St. Thomas $2,436

Estimated couple costs with rent: $3,710 in Toronto versus $3,399 in St. Thomas.

Toronto $3,710
St. Thomas $3,399

Monthly costs for a family of three with rent: $4,831 in Toronto versus $4,363 in St. Thomas.

Toronto $4,831
St. Thomas $4,363

Living in Toronto is roughly 6% more expensive than in St. Thomas, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 90% above, St. Thomas 79% above.

Meal at Budget Restaurant

$17.60 CA$24.59

$21.56 CA$30.13

-18.37%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$63.6 CA$88.9

22.27%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.79

$11.22 CA$15.67

-5.61%

Cappuccino

$4.16 CA$5.81

$3.45 CA$4.82

20.58%

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

$2.04 CA$2.86

$2.11 CA$2.95

-3.32%

Water (0.33 liter bottle)

$1.75 CA$2.45

$1.63 CA$2.28

7.36%

Local Beer (0.5 liter draught)

$6.58 CA$9.19

$4.85 CA$6.77

35.67%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.94

$6.15 CA$8.59

15.61%

Milk (1 liter)

$2.53 CA$3.54

$2.22 CA$3.10

13.96%

White Bread (500g)

$2.70 CA$3.78

$2.76 CA$3.85

-2.17%

Rice (white) (1kg)

$2.24 CA$3.13

$3.78 CA$5.28

-40.74%

Eggs

$3.48 CA$4.87

$3.27 CA$4.57

6.42%

Local Cheese (1kg)

$9.38 CA$13.10

$10.05 CA$14.04

-6.67%

Chicken Fillets (1kg)

$11.60 CA$16.21

$15.80 CA$22.07

-26.58%

Beef Round Steak (1kg)

$14.68 CA$20.52

$19.72 CA$27.56

-25.56%

Apples (1kg)

$3.74 CA$5.23

$4.10 CA$5.73

-8.78%

Banana (1kg)

$1.22 CA$1.71

$1.28 CA$1.78

-4.69%

Oranges (1kg)

$3.48 CA$4.86

$3.65 CA$5.10

-4.66%

Tomato (1kg)

$4.32 CA$6.04

$4.06 CA$5.68

6.40%

Potato (1kg)

$1.85 CA$2.59

$3.30 CA$4.61

-43.94%

Onion (1kg)

$1.69 CA$2.36

$3.06 CA$4.27

-44.77%

Lettuce (1 head)

$2.23 CA$3.11

$2.87 CA$4.01

-22.30%

Water (1.5 liter bottle)

$1.28 CA$1.78

$1.55 CA$2.17

-17.42%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.62

$11.23 CA$15.70

25.02%

Wine (Bottle)

$14.43 CA$20.16

$12.51 CA$17.48

15.35%

Local Beer (0.5 liter bottle)

$2.16 CA$3.01

$2.52 CA$3.52

-14.29%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.53

$2.91 CA$4.06

-13.40%

One-way Ticket (Public Transport)

$2.37 CA$3.31

$2.19 CA$3.06

8.22%

Public Transport Monthly Pass (Regular Price)

$112 CA$157

$68.2 CA$95.2

65.02%

Taxi Start (Normal Tariff)

$3.04 CA$4.25

$2.38 CA$3.32

27.73%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.73

$1.66 CA$2.32

-25.30%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.51

$22.83 CA$31.91

-1.23%

Gasoline (1 liter)

$1.24 CA$1.74

$1.17 CA$1.64

5.98%

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

$26.9K CA$37.6K

$27.0K CA$37.8K

-0.43%

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

$21.4K CA$29.9K

$23.1K CA$32.2K

-7.22%

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

$125 CA$174

$126 CA$176

-0.99%

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

$33.05 CA$46.19

$42.99 CA$60.1

-23.12%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.0

$57.4 CA$80.2

-16.39%

Gym Membership (Monthly)

$36.69 CA$51.3

$39.32 CA$55.0

-6.69%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.07

$17.06 CA$23.84

38.75%

Cinema Ticket

$13.08 CA$18.27

$10.65 CA$14.88

22.82%

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

$759 CA$1,060

$421 CA$588

80.20%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.2K

$17.3K CA$24.2K

37.24%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.8

$53.9 CA$75.4

-0.72%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.5

$36.85 CA$51.5

9.74%

Sport Shoes (Adidas, Nike)

$100 CA$140

$82.4 CA$115

21.91%

Men's Leather Business Shoes

$125 CA$175

$90.4 CA$126

38.51%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,277

$1,163 CA$1,625

40.16%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,978

$1,245 CA$1,740

13.69%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,765

$2,276 CA$3,180

18.37%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,936

$1,659 CA$2,319

26.61%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$4,403 CA$6,152

71.49%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,325

$3,575 CA$4,996

86.66%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,951

$3,004 CA$4,197

17.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.99

-10.82%

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

Last update for Toronto: October 26, 2026

Last update for St. Thomas: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

St. Thomas

$1.2K 51.1% 12% $170

Groceries & Markets

Toronto

$345 13.3%

St. Thomas

$399 16.4% 15.6% $54

Eating Out

Toronto

$285 11%

St. Thomas

$299 12.3% 5% $14

Monthly Utilities & Internet

Toronto

$206 7.9%

St. Thomas

$226 9.3% 10% $21

Clothing & Footwear

Toronto

$144 5.6%

St. Thomas

$119 4.9% 17.5% $25

Getting Around

Toronto

$131 5.1%

St. Thomas

$88 3.6% 33.2% $44

Sport & Entertainment

Toronto

$63 2.4%

St. Thomas

$61 2.5% 3.5% $2.2

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,163 in St. Thomas. Housing cost is often the main lever when comparing two cities.

Toronto pays 18% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $64 in St. Thomas. Groceries flip the comparison at $345 vs $399, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 St. Thomas

🕒 Local time

18:03 6:03 PM

Same time as Toronto

🌤 Weather

👥 Population

2,731,571

38,909

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Toronto St. Thomas 180 km

From you

Toronto
St. Thomas

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. Thomas: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,589 in Toronto and $2,436 in St. Thomas, so St. Thomas is about 6% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 18% 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 $1,163 in St. Thomas. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $759 in Toronto versus $421 in St. Thomas. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Toronto pay roughly 14% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Either city works on $3,000 a month, though St. Thomas gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, St. Thomas 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. Thomas wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.