Last update: Oct 2026

Cost of Living Comparison Between Toronto and Surat

For one person, living is cheaper in Surat: $806 a month against $2,530 in Toronto, rent and utilities included – about $20,700 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
39

Cost of Living Index in Surat
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Surat Living Index

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Toronto

🇨🇦 Canada

$2,530

/mo nomad

Surat

🇮🇳 India

$806

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Surat

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

Monthly costs for one person with rent: $2,530 in Toronto versus $806 in Surat.

Toronto $2,530
Surat $806

Estimated couple costs with rent: $3,646 in Toronto versus $826 in Surat.

Toronto $3,646
Surat $826

Monthly costs for a family of three with rent: $4,761 in Toronto versus $847 in Surat.

Toronto $4,761
Surat $847

Living in Toronto is roughly 214% more expensive than in Surat, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Toronto is 89% above, Surat is 40% below.

Meal at Budget Restaurant

$17.67 CA$25.19

$3.18 ₹307

455.66%

Three-Course Dinner for Two, Mid-Range

$77.4 CA$110

$10.40 ₹1,006

644.04%

Fast Food Meal (McDonalds, etc)

$10.47 CA$14.93

$3.14 ₹304

233.44%

Cappuccino

$4.08 CA$5.81

$1.83 ₹177

122.95%

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

$2.12 CA$3.02

$0.36 ₹34.38

488.89%

Water (0.33 liter bottle)

$1.76 CA$2.51

$0.15 ₹14.56

1073.33%

Local Beer (0.5 liter draught)

$6.17 CA$8.80

$2.92 ₹282

111.30%

Imported Beer (0.33 liter bottle)

$6.89 CA$9.82

$3.19 ₹309

115.99%

Milk (1 liter)

$2.43 CA$3.46

$0.73 ₹70.9

232.88%

White Bread (500g)

$2.75 CA$3.92

$0.47 ₹45.50

485.11%

Rice (white) (1kg)

$2.23 CA$3.18

$0.66 ₹63.5

237.88%

Eggs

$3.45 CA$4.91

$0.95 ₹91.5

263.16%

Local Cheese (1kg)

$8.93 CA$12.73

$4.34 ₹420

105.76%

Chicken Fillets (1kg)

$11.44 CA$16.31

$2.73 ₹265

319.05%

Beef Round Steak (1kg)

$14.61 CA$20.83

Apples (1kg)

$3.75 CA$5.34

$1.70 ₹164

120.59%

Banana (1kg)

$1.15 CA$1.64

$0.62 ₹59.6

85.48%

Oranges (1kg)

$3.55 CA$5.06

$0.80 ₹77.4

343.75%

Tomato (1kg)

$4.28 CA$6.10

$0.54 ₹52.2

692.59%

Potato (1kg)

$1.85 CA$2.63

$0.35 ₹33.56

428.57%

Onion (1kg)

$1.67 CA$2.38

$0.43 ₹41.73

288.37%

Lettuce (1 head)

$2.22 CA$3.16

$0.48 ₹46.59

362.50%

Water (1.5 liter bottle)

$1.21 CA$1.72

$0.30 ₹28.89

303.33%

Cigarettes 20 Pack (Marlboro, Camel)

$13.88 CA$19.78

$5.12 ₹495

171.09%

Wine (Bottle)

$14.25 CA$20.31

$7.60 ₹735

87.50%

Local Beer (0.5 liter bottle)

$2.20 CA$3.13

$1.86 ₹180

18.28%

Imported Beer (0.33 liter bottle)

$2.42 CA$3.45

$3.01 ₹291

-19.60%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.06 ₹586

One-way Ticket (Public Transport)

$2.42 CA$3.44

$0.22 ₹21.19

1000.00%

Public Transport Monthly Pass (Regular Price)

$111 CA$158

$5.27 ₹510

2001.33%

Taxi Start (Normal Tariff)

$2.90 CA$4.13

$0.59 ₹57.2

391.53%

Taxi (Normal Tariff) (1km)

$1.26 CA$1.80

$0.22 ₹21.32

472.73%

Taxi 1hour Waiting (Normal Tariff)

$22.03 CA$31.40

$1.07 ₹103

1958.88%

Gasoline (1 liter)

$1.22 CA$1.74

$1.13 ₹110

7.96%

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

$27.6K CA$39.4K

$12.1K ₹1.2M

127.42%

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

$19.8K CA$28.3K

$18.3K ₹1.8M

8.12%

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

$122 CA$174

$36.72 ₹3,554

231.92%

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

$32.03 CA$45.66

$3.64 ₹353

779.95%

Internet (50+ Mbps, Unlimited Data)

$47.92 CA$68.3

$7.44 ₹720

544.09%

Gym Membership (Monthly)

$38.90 CA$55.5

$18.59 ₹1,799

109.25%

Tennis Court (1 Hour on Weekend)

$23.24 CA$33.12

$5.16 ₹499

350.39%

Cinema Ticket

$12.61 CA$17.97

$2.88 ₹278

337.85%

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

$834 CA$1,189

$33.35 ₹3,227

2400.63%

International Primary School, 1 Child (Yearly)

$23.3K CA$33.3K

$891 ₹86.2K

2519.32%

Jeans (Levis 501 Or Similar)

$52.6 CA$75.0

$22.51 ₹2,179

133.67%

Summer Dress (H&M, Zara, etc)

$40.26 CA$57.4

$24.53 ₹2,374

64.13%

Sport Shoes (Adidas, Nike)

$96.2 CA$137

$40.90 ₹3,958

135.21%

Men's Leather Business Shoes

$123 CA$175

$32.42 ₹3,137

279.21%

1-bedroom Apartment, City Center (Monthly)

$1,598 CA$2,278

$216 ₹20.9K

639.36%

1-bedroom Apartment, Outside City Center (Monthly)

$1,435 CA$2,045

$499 ₹48.3K

187.67%

3-bedroom Apartment, City Center (Monthly)

$2,657 CA$3,787

$375 ₹36.3K

609.02%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 CA$2,988

$201 ₹19.5K

942.52%

Buy Apartment in City Center (m2)

$8,033 CA$11.5K

$660 ₹63.8K

1117.61%

Buy Apartment Outside City Center (m2)

$6,557 CA$9,347

$309 ₹29.9K

2023.12%

Average Monthly Net Salary (After Tax)

$3,743 CA$5,335

$313 ₹30.3K

1094.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

9.17

-51.25%

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

Last update for Toronto: October 4, 2026

Last update for Surat: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.4%

Surat

$499 61.3% 65.2% $936

Groceries & Markets

Toronto

$340 13.1%

Surat

$101 12.4% 70.3% $239

Eating Out

Toronto

$282 10.9%

Surat

$80 9.8% 71.7% $202

Monthly Utilities & Internet

Toronto

$202 7.8%

Surat

$48 5.9% 76.3% $154

Clothing & Footwear

Toronto

$140 5.4%

Surat

$54 6.7% 61.4% $86

Getting Around

Toronto

$130 5%

Surat

$7.8 1% 94% $122

Sport & Entertainment

Toronto

$64 2.5%

Surat

$24 3% 62% $40

Cost Breakdown

A one-bedroom apartment in the center runs $1,598 in Toronto and $216 in Surat. Housing cost is often the main lever when comparing two cities.

Toronto pays 1095% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $77.0 in Toronto vs $10.00 in Surat for a mid-range dinner for two. Groceries echo the gap at $340 vs $101 per month, with Surat cheaper across the board.

Good to know

🇨🇦 Toronto

🇮🇳 Surat

🕒 Local time

23:58 11:58 PM

09:28 9:28 AM

9 h 30 min ahead of Toronto

🌤 Weather

👥 Population

2,731,571

6,936,534

💱 Currency

Canadian Dollar CAD $

Indian Rupee INR ₹

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1,000 INR = 10.33 USD

1,000 INR = 9.21 EUR

Exchange rates and currency converter

INR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Surat 12,270 km ≈ 16 h nonstop flight

From you

Toronto
Surat

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 Surat: Cost of Living - Frequently Asked Questions

Surat is cheaper overall, especially in groceries, eating out, and clothing. The 214% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1095% higher in Toronto, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,598 in Toronto versus $216 in Surat. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $834 in Toronto versus $33.35 in Surat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 236% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

At $806 in Surat versus $2,530 in Toronto, a $1,500 budget is realistic in Surat but tight or insufficient in Toronto. The gap between the two cities makes Surat 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.

Safety-wise, Toronto and Surat are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Surat gentler on the wallet – expenses run 214% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.