Last update: Nov 2026

Cost of Living Comparison Between Toronto and St Thomas, U.S. Virgin Islands

For one person, living is cheaper in Toronto: $2,599 a month against $4,375 in St Thomas, rent and utilities included – about $21,300 less a year. Other living expenses account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
210

Cost of Living Index in St Thomas
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St Thomas Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

St Thomas

🇻🇮 U.S. Virgin Islands

$4,375

/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.

A single person spends $2,599 per month in Toronto vs $4,375 in St Thomas, rent included.

Toronto $2,599
St Thomas $4,375

A couple spends around $3,700 per month in Toronto vs $7,200 in St Thomas, rent included.

Toronto $3,700
St Thomas $7,200

A family of three spends $4,801 per month in Toronto vs $10.0K in St Thomas, rent included.

Toronto $4,801
St Thomas $10.0K

Toronto is about 41% cheaper than St Thomas, and outside of rent the biggest gap is in groceries.

Both Toronto and St Thomas sit above the global median – Toronto by 92%, St Thomas by 224%.

Meal at Budget Restaurant

$17.98 CA$25.20

$22.37 $22.37

-19.62%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$167 $167

-56.77%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$13.67 $13.67

-20.78%

Cappuccino

$4.34 CA$6.09

$5.86 $5.86

-25.94%

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

$2.16 CA$3.03

$4.11 $4.11

-47.45%

Water (0.33 liter bottle)

$1.66 CA$2.32

$3.40 $3.40

-51.18%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$4.94 $4.94

28.54%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$6.95 $6.95

5.61%

Milk (1 liter)

$2.57 CA$3.60

$2.83 $2.83

-9.19%

White Bread (500g)

$2.71 CA$3.79

$6.51 $6.51

-58.37%

Rice (white) (1kg)

$2.28 CA$3.19

$18.92 $18.92

-87.95%

Eggs

$3.60 CA$5.05

$8.96 $8.96

-59.82%

Local Cheese (1kg)

$8.94 CA$12.54

$11.53 $11.53

-22.46%

Chicken Fillets (1kg)

$11.19 CA$15.69

$28.41 $28.41

-60.61%

Beef Round Steak (1kg)

$15.23 CA$21.34

$39.70 $39.70

-61.64%

Apples (1kg)

$3.74 CA$5.25

$12.31 $12.31

-69.62%

Banana (1kg)

$1.23 CA$1.72

$10.80 $10.80

-88.61%

Oranges (1kg)

$3.58 CA$5.02

$12.27 $12.27

-70.82%

Tomato (1kg)

$4.25 CA$5.96

$20.18 $20.18

-78.94%

Potato (1kg)

$1.94 CA$2.72

$1.96 $1.96

-1.02%

Onion (1kg)

$1.67 CA$2.34

$8.78 $8.78

-80.98%

Lettuce (1 head)

$2.30 CA$3.22

$7.91 $7.91

-70.92%

Water (1.5 liter bottle)

$1.26 CA$1.77

$5.66 $5.66

-77.74%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

Wine (Bottle)

$14.25 CA$19.97

$24.58 $24.58

-42.03%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$6.07 $6.07

-57.50%

One-way Ticket (Public Transport)

$2.35 CA$3.30

$2.02 $2.02

16.34%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$60.7 $60.7

82.77%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$19.70 $19.70

-84.72%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$3.13 $3.13

-61.02%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

Gasoline (1 liter)

$1.23 CA$1.73

$1.40 $1.40

-12.14%

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

$27.0K CA$37.8K

$54.1K $54.1K

-50.13%

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

$21.8K CA$30.6K

$48.3K $48.3K

-54.81%

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

$121 CA$169

$451 $451

-73.21%

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

$33.10 CA$46.40

$101 $101

-67.12%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$153 $153

-67.83%

Gym Membership (Monthly)

$36.65 CA$51.4

$166 $166

-77.89%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

Cinema Ticket

$12.78 CA$17.91

$10.09 $10.09

26.66%

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

$754 CA$1,058

$1,502 $1,502

-49.76%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$22.4K $22.4K

50.30%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$115 $115

-56.12%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$149 $149

-72.14%

Sport Shoes (Adidas, Nike)

$101 CA$142

$199 $199

-49.17%

Men's Leather Business Shoes

$130 CA$183

$148 $148

-11.82%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,604 $1,604

-0.86%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$1,786 $1,786

-20.24%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$3,297 $3,297

-19.88%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$4,222 $4,222

-50.50%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

$4,832 $4,832

59.96%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

$10.6K $10.6K

-34.91%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$2,723 $2,723

33.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

9.45

-52.91%

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

Last update for Toronto: November 2, 2026

Last update for St Thomas: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

St Thomas

$1.8K 40.8% 25.4% $361

Groceries & Markets

Toronto

$345 13.3%

St Thomas

$961 * 22% 179% $616

Eating Out

Toronto

$290 11.2%

St Thomas

$359 8.2% 23.7% $69

Monthly Utilities & Internet

Toronto

$203 7.8%

St Thomas

$704 16.1% 247% $501

Clothing & Footwear

Toronto

$145 5.6%

St Thomas

$275 6.3% 88.8% $129

Getting Around

Toronto

$130 5%

St Thomas

$104 2.4% 19.6% $25

Sport & Entertainment

Toronto

$62 2.4%

St Thomas

$186 4.3% 199% $124

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

Cost Breakdown

A central one-bedroom costs $1,590 in Toronto versus $1,604 in St Thomas. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 33% higher in Toronto, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $72 in Toronto versus $167 in St Thomas. Monthly groceries follow the same trend: $345 vs $961 – making Toronto the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇻🇮 St Thomas

🕒 Local time

01:43 1:43 AM

02:43 2:43 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

20,000

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.635 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

On the map

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Highest

Between locations

Toronto St Thomas 3,120 km ≈ 4 h 30 min nonstop flight

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

Monthly costs with rent: $2,599 in Toronto, $4,375 in St Thomas – Toronto comes out roughly 41% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,899 per month in Toronto and $6,562 in St Thomas. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,590 in Toronto and $1,604 in St Thomas. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Public transport costs about 45% less in St Thomas. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $754 per month in Toronto and $1,502 in St Thomas. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,599 in Toronto and $4,375 in St Thomas. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. St Thomas has an edge in some lifestyle areas, with costs from $2,599 in Toronto to $4,375 in St Thomas. Climate, culture, job market, and personal taste all factor in.