Cost of Living Comparison Between Toronto and Summerland Cost of Living Comparison Between Toronto and Summerland

Monthly Cost of Living

A single person spends $2,811 per month in Toronto vs $2,260 in Summerland, rent included.

A couple spends around $4,130 per month in Toronto vs $3,251 in Summerland, rent included.

A family of three spends $5,449 per month in Toronto vs $4,241 in Summerland, rent included.

Toronto costs about 24% more than Summerland, driven mainly by Eating Out.

Both Toronto and Summerland sit above the global median – Toronto by 110%, Summerland by 69%.

Meal at Budget Restaurant

$18.71 CA$26.02

$10.88 CA$15.13

71.97%

Three-Course Dinner for Two, Mid-Range

$81.9 CA$114

$58.1 CA$80.8

40.97%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.06

$9.35 CA$13.00

15.83%

Cappuccino

$3.89 CA$5.41

$3.59 CA$4.99

8.36%

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

$2.22 CA$3.09

$2.00 CA$2.78

11.00%

Water (0.33 liter bottle)

$1.65 CA$2.29

$1.43 CA$1.98

15.38%

Local Beer (0.5 liter draught)

$6.05 CA$8.41

$6.23 CA$8.66

-2.89%

Imported Beer (0.33 liter bottle)

$6.58 CA$9.15

$6.01 CA$8.35

9.48%

Milk (1 liter)

$2.73 CA$3.79

$2.38 CA$3.31

14.71%

White Bread (500g)

$2.72 CA$3.78

$2.76 CA$3.84

-1.45%

Rice (white) (1kg)

$3.54 CA$4.92

$4.65 CA$6.47

-23.87%

Eggs

$3.50 CA$4.87

$3.69 CA$5.13

-5.15%

Local Cheese (1kg)

$13.53 CA$18.81

$14.19 CA$19.74

-4.65%

Chicken Fillets (1kg)

$13.09 CA$18.20

$11.52 CA$16.02

13.63%

Beef Round Steak (1kg)

$16.96 CA$23.59

$19.69 CA$27.38

-13.86%

Apples (1kg)

$4.16 CA$5.79

$4.73 CA$6.58

-12.05%

Banana (1kg)

$1.18 CA$1.64

$1.14 CA$1.59

3.51%

Oranges (1kg)

$3.25 CA$4.52

$5.16 CA$7.17

-37.02%

Tomato (1kg)

$4.12 CA$5.73

$3.83 CA$5.32

7.57%

Potato (1kg)

$2.50 CA$3.48

$1.63 CA$2.27

53.37%

Onion (1kg)

$2.88 CA$4.00

$3.07 CA$4.27

-6.19%

Lettuce (1 head)

$2.35 CA$3.27

$2.71 CA$3.76

-13.28%

Water (1.5 liter bottle)

$2.00 CA$2.78

$2.16 CA$3.00

-7.41%

Cigarettes 20 Pack (Marlboro, Camel)

$14.58 CA$20.28

$16.55 CA$23.01

-11.90%

Wine (Bottle)

$14.18 CA$19.71

$11.05 CA$15.37

28.33%

Local Beer (0.5 liter bottle)

$2.80 CA$3.89

$4.14 CA$5.75

-32.37%

Imported Beer (0.33 liter bottle)

$3.25 CA$4.53

$3.82 CA$5.31

-14.92%

One-way Ticket (Public Transport)

$2.40 CA$3.34

$2.31 CA$3.21

3.90%

Public Transport Monthly Pass (Regular Price)

$114 CA$159

$63.7 CA$88.7

78.93%

Taxi Start (Normal Tariff)

$3.76 CA$5.22

$3.76 CA$5.23

Taxi (Normal Tariff) (1km)

$1.41 CA$1.96

$1.60 CA$2.22

-11.88%

Taxi 1hour Waiting (Normal Tariff)

$25.53 CA$35.50

$26.28 CA$36.55

-2.85%

Gasoline (1 liter)

$1.10 CA$1.53

$1.17 CA$1.63

-5.98%

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

$25.2K CA$35.1K

0.05%

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

$21.1K CA$29.3K

$19.2K CA$26.7K

9.77%

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

$120 CA$166

$116 CA$161

3.37%

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

$37.54 CA$52.2

$36.30 CA$50.5

3.42%

Internet (50+ Mbps, Unlimited Data)

$54.5 CA$75.8

$57.8 CA$80.4

-5.74%

Gym Membership (Monthly)

$55.5 CA$77.2

$42.57 CA$59.2

30.40%

Tennis Court (1 Hour on Weekend)

$21.15 CA$29.41

Cinema Ticket

$11.56 CA$16.07

$7.19 CA$10.00

60.78%

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

$1,129 CA$1,571

$539 CA$750

109.39%

International Primary School, 1 Child (Yearly)

$18.0K CA$25.0K

$8,076 CA$11.2K

122.55%

Jeans (Levis 501 Or Similar)

$56.9 CA$79.2

$47.12 CA$65.5

20.82%

Summer Dress (H&M, Zara, etc)

$39.96 CA$55.6

$35.93 CA$49.97

11.22%

Sport Shoes (Adidas, Nike)

$89.7 CA$125

$84.6 CA$118

5.96%

Men's Leather Business Shoes

$114 CA$159

$104 CA$145

9.49%

1-bedroom Apartment, City Center (Monthly)

$1,849 CA$2,572

$1,318 CA$1,833

40.33%

1-bedroom Apartment, Outside City Center (Monthly)

$1,560 CA$2,169

$1,186 CA$1,650

31.48%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,068

$2,020 CA$2,809

44.86%

3-bedroom Apartment, Outside City Center (Monthly)

$2,470 CA$3,435

$1,851 CA$2,574

33.46%

Buy Apartment in City Center (m2)

$9,085 CA$12.6K

$4,590 CA$6,383

97.94%

Buy Apartment Outside City Center (m2)

$7,036 CA$9,785

$3,472 CA$4,829

102.64%

Average Monthly Net Salary (After Tax)

$3,572 CA$4,967

$3,534 CA$4,915

1.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.86

-24.78%

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

Last update for Toronto: May 31, 2026

Last update for Summerland: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,849 in Toronto versus $1,318 in Summerland. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 1% higher in Toronto, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $82.0 in Toronto versus $58.0 in Summerland. Groceries tell a different story – $396 in Toronto vs $412 in Summerland – so Toronto wins on supermarket bills even if dining out costs more.

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 24%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $4,216 per month in Toronto and $3,390 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,811 in Toronto and $2,260 in Summerland. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 79% 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 $2,260, than in Toronto at $2,811. 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.

If budget matters most, go with Summerland. If higher salaries, better infrastructure, or specific career opportunities are the priority, Toronto makes more sense. Both are solid long-term options with distinct trade-offs.