Last update: Oct 2026

Cost of Living Comparison Between Toronto and Surrey, Canada

Name: Surrey
Address: Surrey, CA

For one person, living is cheaper in Surrey: $2,338 a month against $2,589 in Toronto, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
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Toronto Living Index
112

Cost of Living Index in Surrey
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Surrey Living Index

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Surrey

🇨🇦 Canada

$2,338

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Surrey

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

Monthly costs for one person with rent: $2,589 in Toronto versus $2,338 in Surrey.

Toronto $2,589
Surrey $2,338

Estimated couple costs with rent: $3,710 in Toronto versus $3,564 in Surrey.

Toronto $3,710
Surrey $3,564

Monthly costs for a family of three with rent: $4,831 in Toronto versus $4,791 in Surrey.

Toronto $4,831
Surrey $4,791

Living in Toronto is roughly 11% more expensive than in Surrey, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Toronto 90% above, Surrey 72% above.

Meal at Budget Restaurant

$17.60 CA$24.59

$18.11 CA$25.31

-2.82%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$57.5 CA$80.3

35.37%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.79

$10.06 CA$14.06

5.27%

Cappuccino

$4.16 CA$5.81

$3.52 CA$4.92

18.18%

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

$2.04 CA$2.86

$2.01 CA$2.81

1.49%

Water (0.33 liter bottle)

$1.75 CA$2.45

$1.50 CA$2.10

16.67%

Local Beer (0.5 liter draught)

$6.58 CA$9.19

$6.01 CA$8.40

9.48%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.94

$5.63 CA$7.87

26.29%

Milk (1 liter)

$2.53 CA$3.54

$2.47 CA$3.46

2.43%

White Bread (500g)

$2.70 CA$3.78

$2.10 CA$2.94

28.57%

Rice (white) (1kg)

$2.24 CA$3.13

$3.64 CA$5.09

-38.46%

Eggs

$3.48 CA$4.87

$3.22 CA$4.50

8.07%

Local Cheese (1kg)

$9.38 CA$13.10

$9.77 CA$13.65

-3.99%

Chicken Fillets (1kg)

$11.60 CA$16.21

$10.57 CA$14.78

9.74%

Beef Round Steak (1kg)

$14.68 CA$20.52

$20.34 CA$28.42

-27.83%

Apples (1kg)

$3.74 CA$5.23

$3.33 CA$4.65

12.31%

Banana (1kg)

$1.22 CA$1.71

$1.30 CA$1.82

-6.15%

Oranges (1kg)

$3.48 CA$4.86

$2.94 CA$4.10

18.37%

Tomato (1kg)

$4.32 CA$6.04

$3.02 CA$4.23

43.05%

Potato (1kg)

$1.85 CA$2.59

$2.59 CA$3.62

-28.57%

Onion (1kg)

$1.69 CA$2.36

$2.15 CA$3.01

-21.40%

Lettuce (1 head)

$2.23 CA$3.11

$2.00 CA$2.80

11.50%

Water (1.5 liter bottle)

$1.28 CA$1.78

$1.83 CA$2.56

-30.05%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.62

$14.11 CA$19.72

-0.50%

Wine (Bottle)

$14.43 CA$20.16

$14.20 CA$19.85

1.62%

Local Beer (0.5 liter bottle)

$2.16 CA$3.01

$2.45 CA$3.43

-11.84%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.53

$3.23 CA$4.51

-21.98%

One-way Ticket (Public Transport)

$2.37 CA$3.31

$2.55 CA$3.57

-7.06%

Public Transport Monthly Pass (Regular Price)

$112 CA$157

$110 CA$154

1.86%

Taxi Start (Normal Tariff)

$3.04 CA$4.25

$2.64 CA$3.69

15.15%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.73

$1.60 CA$2.23

-22.50%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.51

$28.02 CA$39.15

-19.52%

Gasoline (1 liter)

$1.24 CA$1.74

$1.38 CA$1.92

-10.14%

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

$26.9K CA$37.6K

$28.2K CA$39.3K

-4.46%

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

$21.4K CA$29.9K

$21.7K CA$30.3K

-1.48%

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

$125 CA$174

$187 CA$261

-33.17%

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

$33.05 CA$46.19

$37.14 CA$51.9

-11.01%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.0

$65.7 CA$91.9

-27.05%

Gym Membership (Monthly)

$36.69 CA$51.3

$31.83 CA$44.48

15.27%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.07

$25.35 CA$35.42

-6.63%

Cinema Ticket

$13.08 CA$18.27

$12.18 CA$17.02

7.39%

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

$759 CA$1,060

$668 CA$934

13.53%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.2K

$12.1K CA$16.9K

97.04%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.8

$55.0 CA$76.8

-2.60%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.5

$61.1 CA$85.4

-33.81%

Sport Shoes (Adidas, Nike)

$100 CA$140

$99.5 CA$139

1.00%

Men's Leather Business Shoes

$125 CA$175

$90.8 CA$127

37.98%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,277

$1,376 CA$1,923

18.46%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,978

$1,094 CA$1,528

29.46%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,765

$2,606 CA$3,641

3.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,936

$2,095 CA$2,927

0.29%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$6,631 CA$9,265

13.87%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,325

$5,166 CA$7,218

29.20%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,951

$3,156 CA$4,410

12.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.87

-8.62%

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

Last update for Toronto: October 26, 2026

Last update for Surrey: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Surrey

$1.1K 46.8% 22.8% $322

Groceries & Markets

Toronto

$345 13.3%

Surrey

$357 15.3% 3.5% $12

Eating Out

Toronto

$285 11%

Surrey

$273 11.7% 4.2% $12

Monthly Utilities & Internet

Toronto

$206 7.9%

Surrey

$289 12.4% 40.7% $84

Clothing & Footwear

Toronto

$144 5.6%

Surrey

$138 5.9% 4.2% $6

Getting Around

Toronto

$131 5.1%

Surrey

$131 5.6% 0.1% $0.1

Sport & Entertainment

Toronto

$63 2.4%

Surrey

$56 2.4% 10.6% $6.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,376 in Surrey. Housing cost is often the main lever when comparing two cities.

Toronto pays 12% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $57 in Surrey. Groceries flip the comparison at $345 vs $357, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Surrey

🕒 Local time

04:26 4:26 AM

02:26 2:26 AM

2 h behind Toronto

🌤 Weather

👥 Population

2,731,571

517,887

💱 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

On the map

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Between locations

Toronto Surrey 3,340 km ≈ 4 h 45 min nonstop flight

From you

Toronto
Surrey

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 Surrey: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,589 in Toronto and $2,338 in Surrey, so Surrey is about 10% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 12% 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: $1,630 in Toronto versus $1,376 in Surrey. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 3% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $2,589 per month in Toronto versus $2,338 in Surrey – Surrey is about 10% cheaper, which adds up to real savings over time.

Either city works on $3,000 a month, though Surrey gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Surrey is more practical. Housing and childcare are both notably cheaper than in Toronto, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – Surrey wins on affordability, Toronto on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.