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: $2,768 in Toronto versus $2,387 in Stephenville.

Estimated couple costs with rent: $4,066 in Toronto versus $3,456 in Stephenville.

Monthly costs for a family of three with rent: $5,364 in Toronto versus $4,525 in Stephenville.

Living in Toronto is roughly 16% more expensive than Stephenville, driven mainly by Getting Around.

Both cities are pricier than the global median: Toronto 106% above, Stephenville 77% above.

Meal at Budget Restaurant

$18.40 CA$25.20

$16.60 CA$22.75

10.84%

Three-Course Dinner for Two, Mid-Range

$81.3 CA$111

$70.6 CA$96.7

15.26%

Fast Food Meal (McDonalds, etc)

$10.92 CA$14.97

$10.97 CA$15.03

-0.46%

Cappuccino

$3.83 CA$5.25

$3.74 CA$5.13

2.41%

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

$2.19 CA$3.01

$1.99 CA$2.73

10.05%

Water (0.33 liter bottle)

$1.64 CA$2.25

$1.64 CA$2.24

Local Beer (0.5 liter draught)

$5.87 CA$8.05

$5.40 CA$7.39

8.70%

Imported Beer (0.33 liter bottle)

$6.74 CA$9.24

$5.72 CA$7.84

17.83%

Milk (1 liter)

$2.69 CA$3.68

$2.63 CA$3.60

2.28%

White Bread (500g)

$2.78 CA$3.81

$2.69 CA$3.68

3.35%

Rice (white) (1kg)

$3.51 CA$4.81

$3.53 CA$4.84

-0.57%

Eggs

$3.47 CA$4.76

$3.45 CA$4.72

0.58%

Local Cheese (1kg)

$13.25 CA$18.15

$11.34 CA$15.54

16.84%

Chicken Fillets (1kg)

$12.92 CA$17.70

$11.56 CA$15.83

11.76%

Beef Round Steak (1kg)

$16.38 CA$22.44

$14.61 CA$20.02

12.11%

Apples (1kg)

$4.03 CA$5.52

$4.04 CA$5.53

-0.25%

Banana (1kg)

$1.17 CA$1.61

$1.43 CA$1.96

-18.18%

Oranges (1kg)

$3.35 CA$4.59

$3.77 CA$5.17

-11.14%

Tomato (1kg)

$4.01 CA$5.50

$3.68 CA$5.04

8.97%

Potato (1kg)

$2.44 CA$3.34

$2.51 CA$3.43

-2.79%

Onion (1kg)

$2.84 CA$3.90

$2.58 CA$3.53

10.08%

Lettuce (1 head)

$2.39 CA$3.27

$4.36 CA$5.97

-45.18%

Water (1.5 liter bottle)

$1.98 CA$2.71

$1.77 CA$2.43

11.86%

Cigarettes 20 Pack (Marlboro, Camel)

$14.82 CA$20.31

$13.84 CA$18.96

7.08%

Wine (Bottle)

$14.37 CA$19.68

$11.09 CA$15.19

29.58%

Local Beer (0.5 liter bottle)

$2.77 CA$3.79

$2.83 CA$3.87

-2.12%

Imported Beer (0.33 liter bottle)

$3.30 CA$4.52

$3.08 CA$4.21

7.14%

One-way Ticket (Public Transport)

$2.45 CA$3.35

$2.41 CA$3.31

1.66%

Public Transport Monthly Pass (Regular Price)

$113 CA$155

$62.5 CA$85.6

81.70%

Taxi Start (Normal Tariff)

$3.61 CA$4.95

$3.19 CA$4.37

13.17%

Taxi (Normal Tariff) (1km)

$1.42 CA$1.94

$1.45 CA$1.98

-2.07%

Taxi 1hour Waiting (Normal Tariff)

$25.90 CA$35.48

$25.49 CA$34.92

1.61%

Gasoline (1 liter)

$1.10 CA$1.50

$1.13 CA$1.55

-2.65%

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

$25.5K CA$35.0K

$24.7K CA$33.9K

3.34%

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

$21.0K CA$28.7K

$20.5K CA$28.0K

2.49%

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

$119 CA$163

$141 CA$193

-15.86%

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

$37.69 CA$51.6

$42.98 CA$58.9

-12.31%

Internet (50+ Mbps, Unlimited Data)

$54.6 CA$74.7

$63.4 CA$86.8

-13.95%

Gym Membership (Monthly)

$57.3 CA$78.5

$41.24 CA$56.5

38.85%

Tennis Court (1 Hour on Weekend)

$20.68 CA$28.33

$36.38 CA$49.84

-43.16%

Cinema Ticket

$11.62 CA$15.92

$11.47 CA$15.71

1.31%

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

$1,118 CA$1,531

$735 CA$1,008

51.96%

International Primary School, 1 Child (Yearly)

$18.3K CA$25.0K

$12.0K CA$16.4K

52.73%

Jeans (Levis 501 Or Similar)

$57.3 CA$78.6

$54.9 CA$75.2

4.50%

Summer Dress (H&M, Zara, etc)

$39.80 CA$54.5

$39.40 CA$54.0

1.02%

Sport Shoes (Adidas, Nike)

$88.4 CA$121

$85.6 CA$117

3.32%

Men's Leather Business Shoes

$116 CA$159

$108 CA$148

7.32%

1-bedroom Apartment, City Center (Monthly)

$1,836 CA$2,516

$1,323 CA$1,813

38.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,550 CA$2,124

$1,156 CA$1,583

34.15%

3-bedroom Apartment, City Center (Monthly)

$2,991 CA$4,097

$2,055 CA$2,815

45.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,492 CA$3,415

$1,795 CA$2,459

38.87%

Buy Apartment in City Center (m2)

$8,566 CA$11.7K

$3,891 CA$5,331

120.14%

Buy Apartment Outside City Center (m2)

$6,905 CA$9,460

$3,530 CA$4,836

95.61%

Average Monthly Net Salary (After Tax)

$3,697 CA$5,064

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: April 13, 2026

Last update for Stephenville: April 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,836 in Toronto and $1,323 in Stephenville. Housing cost is often the main lever when comparing two cities.

Dining out: $81 in Toronto vs $71 in Stephenville for a mid-range dinner for two. Groceries echo the gap at $392 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 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 $4,153 in Toronto and $3,581 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: $1,836 in Toronto versus $1,323 in Stephenville. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,118 in Toronto versus $735 in Stephenville. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 5% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $2,387 in Stephenville versus $2,768 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.