Last update: Oct 2026

Cost of Living Comparison Between Toronto and Stephenville

For one person, living is cheaper in Stephenville: $2,251 a month against $2,610 in Toronto, rent and utilities included – about $4,300 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Toronto
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Toronto Living Index
108

Cost of Living Index in Stephenville
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Stephenville Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Stephenville

🇨🇦 Canada

$2,251

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Stephenville

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

Monthly costs for one person with rent: $2,610 in Toronto versus $2,251 in Stephenville.

Toronto $2,610
Stephenville $2,251

Estimated couple costs with rent: $3,727 in Toronto versus $3,245 in Stephenville.

Toronto $3,727
Stephenville $3,245

Monthly costs for a family of three with rent: $4,844 in Toronto versus $4,239 in Stephenville.

Toronto $4,844
Stephenville $4,239

Living in Toronto is roughly 16% more expensive than in Stephenville, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 93% above, Stephenville 66% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$17.56 CA$24.82

0.17%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$65.2 CA$92.2

20.87%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.41 CA$14.72

3.07%

Cappuccino

$4.09 CA$5.78

$3.61 CA$5.10

13.30%

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

$2.10 CA$2.97

$1.94 CA$2.74

8.25%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.54 CA$2.18

11.69%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.38 CA$7.61

18.22%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$5.55 CA$7.84

27.57%

Milk (1 liter)

$2.54 CA$3.59

$2.38 CA$3.36

6.72%

White Bread (500g)

$2.72 CA$3.85

$2.53 CA$3.58

7.51%

Rice (white) (1kg)

$2.18 CA$3.09

$3.17 CA$4.49

-31.23%

Eggs

$3.63 CA$5.13

$3.46 CA$4.90

4.91%

Local Cheese (1kg)

$9.46 CA$13.37

$10.07 CA$14.24

-6.06%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.33 CA$16.02

1.85%

Beef Round Steak (1kg)

$14.37 CA$20.32

$14.47 CA$20.46

-0.69%

Apples (1kg)

$3.70 CA$5.23

$3.72 CA$5.26

-0.54%

Banana (1kg)

$1.19 CA$1.68

$1.27 CA$1.79

-6.30%

Oranges (1kg)

$3.46 CA$4.90

$3.57 CA$5.05

-3.08%

Tomato (1kg)

$4.22 CA$5.97

$3.66 CA$5.17

15.30%

Potato (1kg)

$1.79 CA$2.52

$2.53 CA$3.57

-29.25%

Onion (1kg)

$1.65 CA$2.33

$2.17 CA$3.06

-23.96%

Lettuce (1 head)

$2.20 CA$3.11

$4.13 CA$5.84

-46.73%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.62 CA$2.29

-22.22%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$14.10 CA$19.93

-0.92%

Wine (Bottle)

$14.20 CA$20.07

$10.70 CA$15.13

32.71%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.60 CA$3.68

-13.46%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.95 CA$4.16

-14.24%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$2.23 CA$3.15

4.04%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$61.5 CA$87.0

81.52%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$2.78 CA$3.94

10.07%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.47 CA$2.08

-17.01%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$23.36 CA$33.02

-7.15%

Gasoline (1 liter)

$1.21 CA$1.72

$1.15 CA$1.62

5.22%

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

$26.1K CA$37.0K

$27.8K CA$39.3K

-6.00%

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

$21.1K CA$29.9K

$19.1K CA$26.9K

10.84%

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

$120 CA$169

$136 CA$193

-12.33%

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

$32.21 CA$45.54

$37.91 CA$53.6

-15.04%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$53.1 CA$75.1

-8.02%

Gym Membership (Monthly)

$39.34 CA$55.6

$40.46 CA$57.2

-2.77%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$17.91 CA$25.32

31.66%

Cinema Ticket

$12.58 CA$17.79

$10.90 CA$15.41

15.41%

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

$832 CA$1,176

$754 CA$1,065

10.38%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$13.1K CA$18.6K

79.59%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$52.1 CA$73.6

0.42%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$37.28 CA$52.7

5.79%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$85.2 CA$120

16.18%

Men's Leather Business Shoes

$122 CA$172

$102 CA$145

19.09%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,221 CA$1,725

33.67%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,137 CA$1,607

27.42%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$1,971 CA$2,787

38.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,716 CA$2,426

24.10%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$4,180 CA$5,910

96.30%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$3,511 CA$4,964

94.75%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

4.66

-4.08%

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

Last update for Toronto: October 18, 2026

Last update for Stephenville: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Stephenville

$1.1K 50.5% 21.5% $312

Groceries & Markets

Toronto

$343 13.1%

Stephenville

$353 15.7% 2.9% $10

Eating Out

Toronto

$283 10.9%

Stephenville

$267 11.9% 5.7% $16

Monthly Utilities & Internet

Toronto

$201 7.7%

Stephenville

$227 10.1% 13.3% $27

Clothing & Footwear

Toronto

$141 5.4%

Stephenville

$125 5.5% 11.4% $16

Getting Around

Toronto

$130 5%

Stephenville

$81 3.6% 38.1% $50

Sport & Entertainment

Toronto

$65 2.5%

Stephenville

$62 2.8% 3.5% $2.2

Cost Breakdown

A one-bedroom apartment in the center runs $1,631 in Toronto and $1,221 in Stephenville. Housing cost is often the main lever when comparing two cities.

Dining out: $79.0 in Toronto vs $65.0 in Stephenville. Groceries flip the comparison at $343 vs $353, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Stephenville

🕒 Local time

01:42 1:42 AM

03:12 3:12 AM

1 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

6,600

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

On the map

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Between locations

Toronto Stephenville 1,690 km ≈ 2 h 30 min nonstop flight

From you

Toronto
Stephenville

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 Stephenville: Cost of Living - Frequently Asked Questions

Stephenville wins on cost – living expenses run 16% 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 $3,916 in Toronto and $3,377 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: $1,631 in Toronto versus $1,221 in Stephenville. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $832 in Toronto versus $754 in Stephenville. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Toronto pay roughly 3% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $2,251 in Stephenville versus $2,610 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 16% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.