Last update: Oct 2026

Cost of Living Comparison Between Toronto and Summerland

For one person, living is cheaper in Summerland: $2,079 a month against $2,589 in Toronto, rent and utilities included – about $6,100 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
107

Cost of Living Index in Summerland
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Summerland Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Summerland

🇨🇦 Canada

$2,079

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Summerland

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

A single person spends $2,589 per month in Toronto vs $2,079 in Summerland, rent included.

Toronto $2,589
Summerland $2,079

A couple spends around $3,710 per month in Toronto vs $3,092 in Summerland, rent included.

Toronto $3,710
Summerland $3,092

A family of three spends $4,831 per month in Toronto vs $4,106 in Summerland, rent included.

Toronto $4,831
Summerland $4,106

Toronto costs about 25% more than Summerland, and outside of rent the biggest gap is in eating out.

Both Toronto and Summerland sit above the global median – Toronto by 90%, Summerland by 53%.

Meal at Budget Restaurant

$17.60 CA$24.59

$10.89 CA$15.22

61.62%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$51.0 CA$71.2

52.72%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.79

$10.46 CA$14.62

1.24%

Cappuccino

$4.16 CA$5.81

$3.43 CA$4.79

21.28%

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

$2.04 CA$2.86

$1.86 CA$2.59

9.68%

Water (0.33 liter bottle)

$1.75 CA$2.45

$1.59 CA$2.22

10.06%

Local Beer (0.5 liter draught)

$6.58 CA$9.19

$6.18 CA$8.64

6.47%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.94

$5.79 CA$8.09

22.80%

Milk (1 liter)

$2.53 CA$3.54

$1.81 CA$2.53

39.78%

White Bread (500g)

$2.70 CA$3.78

$2.21 CA$3.09

22.17%

Rice (white) (1kg)

$2.24 CA$3.13

$4.25 CA$5.94

-47.29%

Eggs

$3.48 CA$4.87

$3.09 CA$4.32

12.62%

Local Cheese (1kg)

$9.38 CA$13.10

$12.71 CA$17.76

-26.20%

Chicken Fillets (1kg)

$11.60 CA$16.21

$18.32 CA$25.59

-36.68%

Beef Round Steak (1kg)

$14.68 CA$20.52

$18.86 CA$26.36

-22.16%

Apples (1kg)

$3.74 CA$5.23

$4.75 CA$6.64

-21.26%

Banana (1kg)

$1.22 CA$1.71

$1.08 CA$1.50

12.96%

Oranges (1kg)

$3.48 CA$4.86

$4.83 CA$6.75

-27.95%

Tomato (1kg)

$4.32 CA$6.04

$3.53 CA$4.93

22.38%

Potato (1kg)

$1.85 CA$2.59

$1.59 CA$2.22

16.35%

Onion (1kg)

$1.69 CA$2.36

$2.53 CA$3.54

-33.20%

Lettuce (1 head)

$2.23 CA$3.11

$2.65 CA$3.70

-15.85%

Water (1.5 liter bottle)

$1.28 CA$1.78

$1.90 CA$2.66

-32.63%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.62

$15.06 CA$21.04

-6.77%

Wine (Bottle)

$14.43 CA$20.16

$10.89 CA$15.22

32.51%

Local Beer (0.5 liter bottle)

$2.16 CA$3.01

$4.15 CA$5.79

-47.95%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.53

$3.85 CA$5.38

-34.55%

One-way Ticket (Public Transport)

$2.37 CA$3.31

$2.27 CA$3.17

4.41%

Public Transport Monthly Pass (Regular Price)

$112 CA$157

$62.9 CA$87.9

78.88%

Taxi Start (Normal Tariff)

$3.04 CA$4.25

$3.50 CA$4.89

-13.14%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.73

$1.46 CA$2.04

-15.07%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.51

$24.48 CA$34.20

-7.88%

Gasoline (1 liter)

$1.24 CA$1.74

$1.13 CA$1.58

9.73%

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

$26.9K CA$37.6K

$26.3K CA$36.8K

2.19%

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

$21.4K CA$29.9K

$18.9K CA$26.3K

13.45%

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

$125 CA$174

$115 CA$161

8.04%

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

$33.05 CA$46.19

$35.92 CA$50.2

-7.99%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.0

$55.3 CA$77.2

-13.21%

Gym Membership (Monthly)

$36.69 CA$51.3

$38.23 CA$53.4

-4.03%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.07

$20.50 CA$28.65

15.46%

Cinema Ticket

$13.08 CA$18.27

$7.20 CA$10.05

81.67%

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

$759 CA$1,060

$369 CA$516

105.44%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.2K

$8,494 CA$11.9K

179.99%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.8

$53.3 CA$74.5

0.43%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.5

$41.59 CA$58.1

-2.77%

Sport Shoes (Adidas, Nike)

$100 CA$140

$81.5 CA$114

23.27%

Men's Leather Business Shoes

$125 CA$175

$98.5 CA$138

27.14%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,277

$1,374 CA$1,919

18.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,978

$980 CA$1,370

44.40%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,765

$2,001 CA$2,796

34.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,936

$1,662 CA$2,322

26.45%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$4,037 CA$5,641

87.03%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,325

$3,657 CA$5,110

82.50%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,951

$3,460 CA$4,834

2.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.72

-5.72%

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

Last update for Toronto: October 26, 2026

Last update for Summerland: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Summerland

$980 47.2% 30.7% $435

Groceries & Markets

Toronto

$345 13.3%

Summerland

$417 20% 20.8% $72

Eating Out

Toronto

$285 11%

Summerland

$216 10.4% 24.2% $69

Monthly Utilities & Internet

Toronto

$206 7.9%

Summerland

$207 9.9% 0.4% $0.9

Clothing & Footwear

Toronto

$144 5.6%

Summerland

$124 6% 14% $20

Getting Around

Toronto

$131 5.1%

Summerland

$83 4% 36.9% $48

Sport & Entertainment

Toronto

$63 2.4%

Summerland

$53 2.5% 16.3% $10

Cost Breakdown

A central one-bedroom costs $1,630 in Toronto versus $1,374 in Summerland. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $78 in Toronto versus $51 in Summerland. Groceries tell a different story – $345 in Toronto vs $417 in Summerland – so Toronto wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Toronto

🇨🇦 Summerland

🕒 Local time

18:22 6:22 PM

16:22 4:22 PM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

11,000

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

Exchange rates and currency converter

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Between locations

Toronto Summerland 3,110 km ≈ 4 h 30 min nonstop flight

From you

Toronto
Summerland

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 Summerland: Cost of Living - Frequently Asked Questions

Yes – Toronto is pricier by about 25%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $3,883 per month in Toronto and $3,118 in Summerland. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Summerland, especially for central apartments: a one-bedroom in the center costs $1,374 there versus $1,630 in Toronto.

Monthly expenses with rent come to $2,589 in Toronto and $2,079 in Summerland. That makes Summerland about 20% cheaper.

Public transport costs about 44% less in Summerland. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Summerland, where all-in costs run around $2,079, than in Toronto at $2,589. In Summerland it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Summerland – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.