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: $2,628 in Toronto versus $2,296 in Stephenville.

Estimated couple costs with rent: $3,848 in Toronto versus $3,360 in Stephenville.

Monthly costs for a family of three with rent: $5,067 in Toronto versus $4,425 in Stephenville.

Living in Toronto is roughly 14% more expensive than in Stephenville, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 91% above, Stephenville 67% above.

Meal at Budget Restaurant

$17.88 CA$24.75

$18.15 CA$25.12

-1.49%

Three-Course Dinner for Two, Mid-Range

$87.9 CA$122

$67.4 CA$93.3

30.33%

Fast Food Meal (McDonalds, etc)

$10.93 CA$15.13

$10.63 CA$14.71

2.82%

Cappuccino

$4.06 CA$5.62

$3.73 CA$5.16

8.85%

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

$2.18 CA$3.02

$1.88 CA$2.60

15.96%

Water (0.33 liter bottle)

$1.70 CA$2.35

$1.68 CA$2.32

1.19%

Local Beer (0.5 liter draught)

$6.69 CA$9.25

$4.82 CA$6.67

38.80%

Imported Beer (0.33 liter bottle)

$7.35 CA$10.16

$5.35 CA$7.41

37.38%

Milk (1 liter)

$2.78 CA$3.85

$2.58 CA$3.57

7.75%

White Bread (500g)

$2.89 CA$4.00

$2.66 CA$3.68

8.65%

Rice (white) (1kg)

$2.56 CA$3.55

$3.27 CA$4.52

-21.71%

Eggs

$3.79 CA$5.24

$3.40 CA$4.70

11.47%

Local Cheese (1kg)

$10.17 CA$14.07

$10.01 CA$13.85

1.60%

Chicken Fillets (1kg)

$11.95 CA$16.53

$11.53 CA$15.96

3.64%

Beef Round Steak (1kg)

$16.12 CA$22.31

$14.92 CA$20.65

8.04%

Apples (1kg)

$3.89 CA$5.39

Banana (1kg)

$1.27 CA$1.76

$1.38 CA$1.91

-7.97%

Oranges (1kg)

$3.88 CA$5.37

$3.65 CA$5.05

6.30%

Tomato (1kg)

$4.33 CA$5.99

$3.86 CA$5.34

12.18%

Potato (1kg)

$1.83 CA$2.53

$2.56 CA$3.54

-28.52%

Onion (1kg)

$1.50 CA$2.07

$2.26 CA$3.13

-33.63%

Lettuce (1 head)

$2.28 CA$3.15

$4.28 CA$5.92

-46.73%

Water (1.5 liter bottle)

$1.44 CA$1.99

$1.68 CA$2.32

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$14.20 CA$19.64

$14.55 CA$20.13

-2.41%

Wine (Bottle)

$14.24 CA$19.71

$11.02 CA$15.25

29.22%

Local Beer (0.5 liter bottle)

$2.25 CA$3.11

$2.65 CA$3.67

-15.09%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.50

$3.18 CA$4.40

-20.44%

One-way Ticket (Public Transport)

$2.47 CA$3.42

$2.48 CA$3.43

-0.40%

Public Transport Monthly Pass (Regular Price)

$112 CA$155

$59.6 CA$82.5

87.88%

Taxi Start (Normal Tariff)

$3.05 CA$4.22

$2.89 CA$3.99

5.54%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.71

$1.58 CA$2.19

-21.52%

Taxi 1hour Waiting (Normal Tariff)

$22.44 CA$31.05

$21.06 CA$29.15

6.55%

Gasoline (1 liter)

$1.24 CA$1.71

$1.13 CA$1.57

9.73%

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

$27.5K CA$38.1K

$27.5K CA$38.0K

0.09%

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

$21.1K CA$29.3K

$20.3K CA$28.1K

4.18%

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

$128 CA$177

$137 CA$189

-6.57%

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

$33.79 CA$46.75

$38.59 CA$53.4

-12.44%

Internet (50+ Mbps, Unlimited Data)

$49.25 CA$68.2

$57.3 CA$79.3

-14.08%

Gym Membership (Monthly)

$40.93 CA$56.6

$41.26 CA$57.1

-0.80%

Tennis Court (1 Hour on Weekend)

$24.62 CA$34.07

$18.50 CA$25.60

33.08%

Cinema Ticket

$13.16 CA$18.21

$11.66 CA$16.13

12.86%

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

$792 CA$1,097

$776 CA$1,074

2.11%

International Primary School, 1 Child (Yearly)

$24.1K CA$33.4K

$12.0K CA$16.6K

101.46%

Jeans (Levis 501 Or Similar)

$54.5 CA$75.4

$53.8 CA$74.4

1.41%

Summer Dress (H&M, Zara, etc)

$43.11 CA$59.7

$39.51 CA$54.7

9.11%

Sport Shoes (Adidas, Nike)

$102 CA$140

$85.0 CA$118

19.41%

Men's Leather Business Shoes

$123 CA$171

$102 CA$141

20.71%

1-bedroom Apartment, City Center (Monthly)

$1,653 CA$2,287

$1,279 CA$1,770

29.25%

1-bedroom Apartment, Outside City Center (Monthly)

$1,452 CA$2,009

$1,001 CA$1,386

44.96%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,728

$1,964 CA$2,717

37.22%

3-bedroom Apartment, Outside City Center (Monthly)

$2,149 CA$2,974

$1,772 CA$2,452

21.27%

Buy Apartment in City Center (m2)

$8,347 CA$11.6K

$4,933 CA$6,826

69.22%

Buy Apartment Outside City Center (m2)

$6,816 CA$9,431

$3,217 CA$4,451

111.87%

Average Monthly Net Salary (After Tax)

$3,614 CA$5,001

20-Year Fixed Mortgage Interest Rate (Annual %)

4.49

4.68

-4.06%

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

Last update for Toronto: August 30, 2026

Last update for Stephenville: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,653 in Toronto and $1,279 in Stephenville. Housing cost is often the main lever when comparing two cities.

Dining out: $88.0 in Toronto vs $67.0 in Stephenville for a mid-range dinner for two. Groceries echo the gap at $365 vs $364 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 14% 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 $3,942 in Toronto and $3,443 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: $1,653 in Toronto versus $1,279 in Stephenville. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $792 in Toronto versus $776 in Stephenville. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 0% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $2,296 in Stephenville versus $2,628 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 14% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.