Last update: Oct 2026

Cost of Living Comparison Between Toronto and Temple, TX

For one person, living is cheaper in Temple, TX: $2,391 a month against $2,610 in Toronto, rent and utilities included – about $2,600 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Toronto
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Toronto Living Index
116

Cost of Living Index in Temple, TX
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Temple, TX Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Temple, TX

🇺🇸 United States

$2,391

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Temple, TX

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

A single person spends $2,610 per month in Toronto vs $2,391 in Temple, TX, rent included.

Toronto $2,610
Temple, TX $2,391

A couple spends around $3,727 per month in Toronto vs $3,282 in Temple, TX, rent included.

Toronto $3,727
Temple, TX $3,282

A family of three spends $4,844 per month in Toronto vs $4,174 in Temple, TX, rent included.

Toronto $4,844
Temple, TX $4,174

Toronto costs about 9% more than Temple, TX, and outside of rent the biggest gap is in transport.

Both Toronto and Temple, TX sit above the global median – Toronto by 93%, Temple, TX by 76%.

Meal at Budget Restaurant

$17.59 CA$24.87

$18.60 $18.60

-5.43%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$50.7 $50.7

55.59%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$8.78 $8.78

22.21%

Cappuccino

$4.09 CA$5.78

$4.97 $4.97

-17.71%

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

$2.10 CA$2.97

$2.79 $2.79

-24.73%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.69 $1.69

1.78%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$3.54 $3.54

79.66%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$4.03 $4.03

75.68%

Milk (1 liter)

$2.54 CA$3.59

$0.94 $0.94

170.21%

White Bread (500g)

$2.72 CA$3.85

$2.12 $2.12

28.30%

Rice (white) (1kg)

$2.18 CA$3.09

$4.12 $4.12

-47.09%

Eggs

$3.63 CA$5.13

$2.85 $2.85

27.37%

Local Cheese (1kg)

$9.46 CA$13.37

$8.81 $8.81

7.38%

Chicken Fillets (1kg)

$11.54 CA$16.32

$8.70 $8.70

32.64%

Beef Round Steak (1kg)

$14.37 CA$20.32

$15.42 $15.42

-6.81%

Apples (1kg)

$3.70 CA$5.23

$5.01 $5.01

-26.15%

Banana (1kg)

$1.19 CA$1.68

$1.55 $1.55

-23.23%

Oranges (1kg)

$3.46 CA$4.90

$4.15 $4.15

-16.63%

Tomato (1kg)

$4.22 CA$5.97

$3.65 $3.65

15.62%

Potato (1kg)

$1.79 CA$2.52

$2.15 $2.15

-16.74%

Onion (1kg)

$1.65 CA$2.33

$2.44 $2.44

-32.38%

Lettuce (1 head)

$2.20 CA$3.11

$1.60 $1.60

37.50%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.97 $1.97

-36.04%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$10.21 $10.21

36.83%

Wine (Bottle)

$14.20 CA$20.07

$9.15 $9.15

55.19%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.00 $2.00

12.50%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.43 $2.43

4.12%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.96 $1.96

18.37%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

$50.2 $50.2

122.50%

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$3.08 $3.08

-0.65%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.77 $1.77

-31.07%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$24.10 $24.10

-10.00%

Gasoline (1 liter)

$1.21 CA$1.72

$0.72 $0.72

68.06%

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

$26.1K CA$37.0K

$24.6K $24.6K

6.11%

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

$21.1K CA$29.9K

$25.0K $25.0K

-15.57%

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

$120 CA$169

$211 $211

-43.37%

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

$32.21 CA$45.54

$43.64 $43.64

-26.19%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$84.0 $84.0

-41.79%

Gym Membership (Monthly)

$39.34 CA$55.6

$17.57 $17.57

123.90%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$12.10 $12.10

3.97%

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

$832 CA$1,176

$1,901 $1,901

-56.24%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$27.7K $27.7K

-14.74%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$19.22 $19.22

172.01%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$49.07 $49.07

-19.63%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$86.7 $86.7

14.23%

Men's Leather Business Shoes

$122 CA$172

$83.7 $83.7

45.63%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,450 $1,450

12.48%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,236 $1,236

17.21%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,048 $2,048

33.63%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,769 $1,769

20.39%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$1,744 $1,744

370.57%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$1,710 $1,710

299.98%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$3,927 $3,927

-10.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.62

-32.48%

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

Last update for Toronto: October 18, 2026

Last update for Temple, TX: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Temple, TX

$1.2K 51.7% 14.7% $213

Groceries & Markets

Toronto

$343 13.1%

Temple, TX

$318 13.3% 7.1% $24

Eating Out

Toronto

$283 10.9%

Temple, TX

$278 11.7% 1.7% $4.7

Monthly Utilities & Internet

Toronto

$201 7.7%

Temple, TX

$339 14.2% 68.8% $138

Clothing & Footwear

Toronto

$141 5.4%

Temple, TX

$107 4.5% 23.7% $33

Getting Around

Toronto

$130 5%

Temple, TX

$70 2.9% 46.2% $60

Sport & Entertainment

Toronto

$65 2.5%

Temple, TX

$42 1.8% 35.2% $23

Cost Breakdown

A central one-bedroom costs $1,631 in Toronto versus $1,450 in Temple, TX. 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 12% higher in Temple, TX, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $79.0 in Toronto versus $51.0 in Temple, TX. Monthly groceries follow the same trend: $343 vs $318 – making Temple, TX the more affordable choice for daily food spending.

Good to know

🇨🇦 Toronto

🇺🇸 Temple, TX

🕒 Local time

14:27 2:27 PM

13:27 1:27 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

82,073

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto Temple, TX 2,110 km ≈ 3 h 15 min nonstop flight

From you

Toronto
Temple, TX

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 Temple, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,610 in Toronto, $2,391 in Temple, TX – roughly 9% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,916 per month in Toronto and $3,586 in Temple, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $79.0 in Toronto and $51.0 in Temple, TX. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,610 in Toronto and $2,391 in Temple, TX. That's a gap of about 9%.

A $3,000 monthly budget goes further in Temple, TX, where all-in costs run around $2,391, than in Toronto at $2,610. In Temple, TX it covers expenses comfortably, while in Toronto it requires careful planning or may not stretch far enough.

Families tend to lean toward Temple, TX – 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 Temple, TX. 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.