Last update: Oct 2026

Cost of Living Comparison Between Toronto and Swabi

For one person, living is cheaper in Swabi: $522 a month against $2,561 in Toronto, rent and utilities included – about $24,500 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
Learn more

Toronto Living Index
25

Cost of Living Index in Swabi
Learn more

Swabi Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Swabi

🇵🇰 Pakistan

$522

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Swabi

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

A single person spends $2,561 per month in Toronto vs $522 in Swabi, rent included.

Toronto $2,561
Swabi $522

A couple spends around $3,694 per month in Toronto vs $796 in Swabi, rent included.

Toronto $3,694
Swabi $796

A family of three spends $4,826 per month in Toronto vs $1,070 in Swabi, rent included.

Toronto $4,826
Swabi $1,070

Toronto costs about 390% more than Swabi, and outside of rent the biggest gap is in groceries.

Toronto sits 90% above the global median, while Swabi is 61% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$17.18 CA$24.29

$3.57 PKR 988

381.23%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$23.34 PKR 6,459

225.49%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$5.33 PKR 1,474

97.75%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.71 PKR 1,028

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.89 PKR 1,908

Cappuccino

$4.02 CA$5.68

$2.68 PKR 743

50.00%

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

$2.12 CA$3.00

$0.36 PKR 98.3

488.89%

Water (0.33 liter bottle)

$1.75 CA$2.48

$0.21 PKR 58.1

733.33%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

Milk (1 liter)

$2.44 CA$3.45

$0.97 PKR 269

151.55%

White Bread (500g)

$2.68 CA$3.78

$0.72 PKR 199

272.22%

Rice (white) (1kg)

$2.24 CA$3.17

$1.31 PKR 362

70.99%

Eggs

$3.56 CA$5.03

$1.21 PKR 335

194.21%

Local Cheese (1kg)

$9.09 CA$12.85

$6.06 PKR 1,677

50.00%

Chicken Fillets (1kg)

$11.33 CA$16.01

$3.16 PKR 874

258.54%

Beef Round Steak (1kg)

$14.53 CA$20.55

$5.29 PKR 1,463

174.67%

Apples (1kg)

$3.62 CA$5.12

$1.33 PKR 369

172.18%

Banana (1kg)

$1.21 CA$1.72

$0.87 PKR 242

39.08%

Oranges (1kg)

$3.60 CA$5.09

$1.06 PKR 294

239.62%

Tomato (1kg)

$4.21 CA$5.96

$0.52 PKR 144

709.62%

Potato (1kg)

$1.79 CA$2.53

$0.29 PKR 81.2

517.24%

Onion (1kg)

$1.59 CA$2.25

$0.35 PKR 97.9

354.29%

Lettuce (1 head)

$2.27 CA$3.21

$0.28 PKR 77.0

710.71%

Water (1.5 liter bottle)

$1.25 CA$1.77

$0.39 PKR 109

220.51%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.79 PKR 497

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.20 PKR 333

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.33 PKR 646

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$2.37 PKR 656

483.12%

Wine (Bottle)

$14.27 CA$20.18

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

One-way Ticket (Public Transport)

$2.39 CA$3.38

$0.18 PKR 49.49

1227.78%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$9.78 PKR 2,707

1034.25%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$1.23 PKR 342

136.59%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.74 PKR 205

62.16%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$1.65 PKR 456

1195.76%

Gasoline (1 liter)

$1.21 CA$1.71

$1.33 PKR 369

-9.02%

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

$28.2K CA$39.8K

$21.6K PKR 6.0M

30.57%

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

$20.3K CA$28.6K

$24.0K PKR 6.6M

-15.63%

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

$120 CA$170

$104 PKR 28.8K

15.84%

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

$32.26 CA$45.60

$6.08 PKR 1,682

430.59%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$17.31 PKR 4,791

176.89%

Gym Membership (Monthly)

$38.48 CA$54.4

$13.38 PKR 3,704

187.59%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

$9.00 PKR 2,491

155.11%

Cinema Ticket

$12.38 CA$17.50

$4.23 PKR 1,171

192.67%

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

$830 CA$1,173

$74.5 PKR 20.6K

1014.18%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$1,031 PKR 285.4K

2139.20%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$26.58 PKR 7,356

90.78%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$34.97 PKR 9,679

14.44%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$97.9 PKR 27.1K

0.03%

Men's Leather Business Shoes

$121 CA$171

$41.24 PKR 11.4K

192.56%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$131 PKR 36.2K

1117.48%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$85.5 PKR 23.7K

1549.73%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$240 PKR 66.4K

1013.58%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$127 PKR 35.1K

1594.69%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$949 PKR 262.7K

737.24%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$514 PKR 142.4K

1171.64%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

13.08

-65.83%

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

Last update for Toronto: October 12, 2026

Last update for Swabi: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Swabi

$85 16.4% 93.9% $1.3K

Groceries & Markets

Toronto

$340 13.3%

Swabi

$103 19.7% 69.7% $237

Eating Out

Toronto

$278 10.9%

Swabi

$79 15.1% 71.6% $199

Monthly Utilities & Internet

Toronto

$201 7.8%

Swabi

$127 24.4% 36.5% $73

Clothing & Footwear

Toronto

$139 5.4%

Swabi

$90 17.3% 35.1% $49

Getting Around

Toronto

$129 5.1%

Swabi

$15 3% 88.1% $114

Sport & Entertainment

Toronto

$63 2.5%

Swabi

$22 4.2% 65.4% $41

Cost Breakdown

A central one-bedroom costs $1,592 in Toronto versus $131 in Swabi. 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 $76.0 in Toronto versus $23.00 in Swabi. Monthly groceries follow the same trend: $340 vs $103 – making Swabi the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇵🇰 Swabi

🕒 Local time

18:42 6:42 PM

03:42 3:42 AM

9 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

123,412

💱 Currency

Canadian Dollar CAD $

Pakistani Rupee PKR ₨

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 19, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

Pakistani Rupee exchange rates as of October 19, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Swabi 10,910 km ≈ 14 h nonstop flight

From you

Toronto
Swabi

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 Swabi: Cost of Living - Frequently Asked Questions

Toronto costs about 390% more than Swabi, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,841 per month in Toronto and $784 in Swabi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Swabi, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $830 per month in Toronto and $74.5 in Swabi. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 230% more in Toronto, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Swabi, where all-in costs run around $522, than in Toronto at $2,561. In Swabi it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Swabi – 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 Swabi. 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.