Cost of Living Comparison Between Toronto and Stephenville Cost of Living Comparison Between Toronto and Stephenville

Monthly Cost of Living

Monthly costs for one person with rent: $2,811 in Toronto versus $2,390 in Stephenville.

Estimated couple costs with rent: $4,130 in Toronto versus $3,471 in Stephenville.

Monthly costs for a family of three with rent: $5,449 in Toronto versus $4,552 in Stephenville.

Living in Toronto is roughly 18% more expensive than Stephenville, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 110% above, Stephenville 78% above.

Meal at Budget Restaurant

$18.71 CA$26.02

$17.23 CA$23.96

8.59%

Three-Course Dinner for Two, Mid-Range

$81.9 CA$114

$70.6 CA$98.1

16.03%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.06

$10.83 CA$15.05

Cappuccino

$3.89 CA$5.41

$3.83 CA$5.33

1.57%

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

$2.22 CA$3.09

$2.05 CA$2.85

8.29%

Water (0.33 liter bottle)

$1.65 CA$2.29

$1.70 CA$2.36

-2.94%

Local Beer (0.5 liter draught)

$6.05 CA$8.41

$5.66 CA$7.88

6.89%

Imported Beer (0.33 liter bottle)

$6.58 CA$9.15

$5.96 CA$8.29

10.40%

Milk (1 liter)

$2.73 CA$3.79

$2.62 CA$3.64

4.20%

White Bread (500g)

$2.72 CA$3.78

$2.61 CA$3.63

4.21%

Rice (white) (1kg)

$3.54 CA$4.92

$3.50 CA$4.87

1.14%

Eggs

$3.50 CA$4.87

$3.56 CA$4.96

-1.69%

Local Cheese (1kg)

$13.53 CA$18.81

$10.98 CA$15.26

23.22%

Chicken Fillets (1kg)

$13.09 CA$18.20

$11.60 CA$16.13

12.84%

Beef Round Steak (1kg)

$16.96 CA$23.59

$14.45 CA$20.10

17.37%

Apples (1kg)

$4.16 CA$5.79

$4.09 CA$5.69

1.71%

Banana (1kg)

$1.18 CA$1.64

$1.43 CA$1.99

-17.48%

Oranges (1kg)

$3.25 CA$4.52

$3.72 CA$5.17

-12.63%

Tomato (1kg)

$4.12 CA$5.73

$3.83 CA$5.32

7.57%

Potato (1kg)

$2.50 CA$3.48

$2.46 CA$3.42

1.63%

Onion (1kg)

$2.88 CA$4.00

$2.47 CA$3.43

16.60%

Lettuce (1 head)

$2.35 CA$3.27

$4.50 CA$6.26

-47.78%

Water (1.5 liter bottle)

$2.00 CA$2.78

$1.76 CA$2.45

13.64%

Cigarettes 20 Pack (Marlboro, Camel)

$14.58 CA$20.28

$14.23 CA$19.79

2.46%

Wine (Bottle)

$14.18 CA$19.71

$11.39 CA$15.85

24.50%

Local Beer (0.5 liter bottle)

$2.80 CA$3.89

$2.91 CA$4.05

-3.78%

Imported Beer (0.33 liter bottle)

$3.25 CA$4.53

$3.07 CA$4.27

5.86%

One-way Ticket (Public Transport)

$2.40 CA$3.34

$2.42 CA$3.37

-0.83%

Public Transport Monthly Pass (Regular Price)

$114 CA$159

$63.5 CA$88.3

79.55%

Taxi Start (Normal Tariff)

$3.76 CA$5.22

$3.14 CA$4.37

19.75%

Taxi (Normal Tariff) (1km)

$1.41 CA$1.96

$1.48 CA$2.06

-4.73%

Taxi 1hour Waiting (Normal Tariff)

$25.53 CA$35.50

$26.21 CA$36.46

-2.59%

Gasoline (1 liter)

$1.10 CA$1.53

$1.11 CA$1.54

-0.90%

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

$25.2K CA$35.1K

$24.8K CA$34.5K

1.66%

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

$21.1K CA$29.3K

$20.9K CA$29.0K

0.97%

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

$120 CA$166

$141 CA$196

-15.02%

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

$37.54 CA$52.2

$43.50 CA$60.5

-13.70%

Internet (50+ Mbps, Unlimited Data)

$54.5 CA$75.8

$61.6 CA$85.7

-11.55%

Gym Membership (Monthly)

$55.5 CA$77.2

$41.56 CA$57.8

33.57%

Tennis Court (1 Hour on Weekend)

$21.15 CA$29.41

$36.59 CA$50.9

-42.20%

Cinema Ticket

$11.56 CA$16.07

$11.52 CA$16.02

0.35%

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

$1,129 CA$1,571

$748 CA$1,040

50.97%

International Primary School, 1 Child (Yearly)

$18.0K CA$25.0K

$11.8K CA$16.4K

52.25%

Jeans (Levis 501 Or Similar)

$56.9 CA$79.2

$53.8 CA$74.8

5.78%

Summer Dress (H&M, Zara, etc)

$39.96 CA$55.6

$39.80 CA$55.4

0.40%

Sport Shoes (Adidas, Nike)

$89.7 CA$125

$85.2 CA$118

5.27%

Men's Leather Business Shoes

$114 CA$159

$106 CA$148

7.34%

1-bedroom Apartment, City Center (Monthly)

$1,849 CA$2,572

$1,323 CA$1,840

39.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,560 CA$2,169

$1,167 CA$1,622

33.69%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,068

$1,999 CA$2,780

46.35%

3-bedroom Apartment, Outside City Center (Monthly)

$2,470 CA$3,435

$1,831 CA$2,546

34.93%

Buy Apartment in City Center (m2)

$9,085 CA$12.6K

$3,964 CA$5,512

129.20%

Buy Apartment Outside City Center (m2)

$7,036 CA$9,785

$4,022 CA$5,594

74.93%

Average Monthly Net Salary (After Tax)

$3,572 CA$4,967

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.46

-20.12%

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

Last update for Toronto: May 31, 2026

Last update for Stephenville: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,849 in Toronto and $1,323 in Stephenville. Housing cost is often the main lever when comparing two cities.

Dining out: $82.0 in Toronto vs $71.0 in Stephenville for a mid-range dinner for two. Groceries echo the gap at $396 vs $373 per month, with Stephenville cheaper across the board.

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 Stephenville: Cost of Living - Frequently Asked Questions

Stephenville wins on cost – living expenses run 18% lower than in Toronto. Housing and daily spending are where you'll feel the difference most, making Stephenville the obvious pick if budget is a priority.

You'd need roughly $4,216 in Toronto and $3,585 in Stephenville to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,849 in Toronto versus $1,323 in Stephenville. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,129 in Toronto versus $748 in Stephenville. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 6% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $2,390 in Stephenville versus $2,811 in Toronto, a $2,000 budget is realistic in Stephenville but tight or insufficient in Toronto. The gap between the two cities makes Stephenville 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 Stephenville gentler on the wallet – expenses run 18% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.