Last update: Oct 2026

Cost of Living Comparison Between Toronto and Tracy, CA

For one person, living is cheaper in Tracy, CA: $2,327 a month against $2,561 in Toronto, rent and utilities included – about $2,800 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
114

Cost of Living Index in Tracy, CA
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Tracy, CA Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Tracy, CA

🇺🇸 United States

$2,327

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Tracy, CA

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

Monthly costs for one person with rent: $2,561 in Toronto versus $2,327 in Tracy, CA.

Toronto $2,561
Tracy, CA $2,327

Estimated couple costs with rent: $3,694 in Toronto versus $2,585 in Tracy, CA.

Toronto $3,694
Tracy, CA $2,585

Monthly costs for a family of three with rent: $4,826 in Toronto versus $2,843 in Tracy, CA.

Toronto $4,826
Tracy, CA $2,843

Living in Toronto is roughly 10% more expensive than in Tracy, CA, and outside of rent the biggest gap is in clothing.

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

Meal at Budget Restaurant

$17.18 CA$24.29

$19.75 $19.75

-13.01%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$50.9 $50.9

49.28%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$10.10 $10.10

4.36%

Cappuccino

$4.02 CA$5.68

$4.52 $4.52

-11.06%

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

$2.12 CA$3.00

$3.12 $3.12

-32.05%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.81 $1.81

-3.31%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$6.10 $6.10

2.30%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$7.44 $7.44

-4.70%

Milk (1 liter)

$2.44 CA$3.45

$1.34 $1.34

82.09%

White Bread (500g)

$2.68 CA$3.78

$4.19 $4.19

-36.04%

Rice (white) (1kg)

$2.24 CA$3.17

$5.50 $5.50

-59.27%

Eggs

$3.56 CA$5.03

$3.42 $3.42

4.09%

Local Cheese (1kg)

$9.09 CA$12.85

$16.30 $16.30

-44.23%

Chicken Fillets (1kg)

$11.33 CA$16.01

$11.11 $11.11

1.98%

Beef Round Steak (1kg)

$14.53 CA$20.55

$15.47 $15.47

-6.08%

Apples (1kg)

$3.62 CA$5.12

$4.45 $4.45

-18.65%

Banana (1kg)

$1.21 CA$1.72

$2.26 $2.26

-46.46%

Oranges (1kg)

$3.60 CA$5.09

$4.36 $4.36

-17.43%

Tomato (1kg)

$4.21 CA$5.96

$4.36 $4.36

-3.44%

Potato (1kg)

$1.79 CA$2.53

$2.21 $2.21

-19.00%

Onion (1kg)

$1.59 CA$2.25

$3.23 $3.23

-50.77%

Lettuce (1 head)

$2.27 CA$3.21

$2.04 $2.04

11.27%

Water (1.5 liter bottle)

$1.25 CA$1.77

$2.01 $2.01

-37.81%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$11.91 $11.91

16.04%

Wine (Bottle)

$14.27 CA$20.18

$13.06 $13.06

9.26%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$2.10 $2.10

4.76%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$2.75 $2.75

-11.64%

One-way Ticket (Public Transport)

$2.39 CA$3.38

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$64.6 $64.6

71.64%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$2.44 $2.44

19.26%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$1.85 $1.85

-35.14%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$29.48 $29.48

-27.48%

Gasoline (1 liter)

$1.21 CA$1.71

$1.45 $1.45

-16.55%

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

$28.2K CA$39.8K

$37.3K $37.3K

-24.45%

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

$20.3K CA$28.6K

$25.8K $25.8K

-21.58%

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

$120 CA$170

$179 $179

-32.70%

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

$32.26 CA$45.60

$50.6 $50.6

-36.18%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$75.7 $75.7

-36.71%

Gym Membership (Monthly)

$38.48 CA$54.4

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$14.93 $14.93

-17.08%

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

$830 CA$1,173

$2,471 $2,471

-66.42%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$35.4K $35.4K

-34.80%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$71.4 $71.4

-28.98%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$72.0 $72.0

-44.39%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$95.8 $95.8

2.27%

Men's Leather Business Shoes

$121 CA$171

$233 $233

-48.21%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,775 $1,775

-10.29%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$991 $991

42.29%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$3,758 $3,758

111.45%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$5,739 $5,739

-35.06%

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 12, 2026

Last update for Tracy, CA: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Tracy, CA

$991 42.6% 29.7% $419

Groceries & Markets

Toronto

$340 13.3%

Tracy, CA

$404 17.4% 19% $65

Eating Out

Toronto

$278 10.9%

Tracy, CA

$308 13.2% 10.6% $29

Monthly Utilities & Internet

Toronto

$201 7.8%

Tracy, CA

$305 13.1% 52.1% $105

Clothing & Footwear

Toronto

$139 5.4%

Tracy, CA

$212 9.1% 52.6% $73

Getting Around

Toronto

$129 5.1%

Tracy, CA

$76 * 3.3% 41% $53

Sport & Entertainment

Toronto

$63 2.5%

Tracy, CA

$30 * 1.3% 52.8% $33

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $1,775 in Tracy, CA. Housing cost is often the main lever when comparing two cities.

Tracy, CA pays 54% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Toronto vs $51.0 in Tracy, CA. Groceries flip the comparison at $340 vs $404, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Tracy, CA

🕒 Local time

13:37 1:37 PM

10:37 10:37 AM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

98,337

💱 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 18, 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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Toronto Tracy, CA 3,570 km ≈ 5 h nonstop flight

From you

Toronto
Tracy, CA

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 Tracy, CA: Cost of Living - Frequently Asked Questions

Tracy, CA is cheaper overall, especially in transport and leisure. The 10% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 54% lower in Tracy, CA. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,592 in Toronto versus $1,775 in Tracy, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 19% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Tracy, CA – a meal for two runs $51.0 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Tracy, CA is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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.

Expats usually find Tracy, CA gentler on the wallet – expenses run 10% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.