Last update: Oct 2026

Cost of Living Comparison Between Toronto and Union City, TN

For one person, living is cheaper in Union City, TN: $1,653 a month against $2,610 in Toronto, rent and utilities included – about $11,500 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
80

Cost of Living Index in Union City, TN
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Union City, TN Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Union City, TN

🇺🇸 United States

$1,653

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Union City, TN

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 Union City, TN actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,610 in Toronto versus $1,653 in Union City, TN.

Toronto $2,610
Union City, TN $1,653

Estimated couple costs with rent: $3,727 in Toronto versus $2,486 in Union City, TN.

Toronto $3,727
Union City, TN $2,486

Monthly costs for a family of three with rent: $4,844 in Toronto versus $3,318 in Union City, TN.

Toronto $4,844
Union City, TN $3,318

Living in Toronto is roughly 58% more expensive than in Union City, TN, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 93% above, Union City, TN 22% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$9.87 $9.87

78.22%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$50.3 $50.3

56.61%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$6.95 $6.95

54.39%

Cappuccino

$4.09 CA$5.78

$3.11 $3.11

31.51%

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

$2.10 CA$2.97

$2.20 $2.20

-4.55%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.56 $1.56

10.26%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$3.90 $3.90

63.08%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$3.89 $3.89

82.01%

Milk (1 liter)

$2.54 CA$3.59

$0.92 $0.92

176.09%

White Bread (500g)

$2.72 CA$3.85

$2.38 $2.38

14.29%

Rice (white) (1kg)

$2.18 CA$3.09

$2.07 $2.07

5.31%

Eggs

$3.63 CA$5.13

$2.69 $2.69

34.94%

Local Cheese (1kg)

$9.46 CA$13.37

$7.88 $7.88

20.05%

Chicken Fillets (1kg)

$11.54 CA$16.32

$8.85 $8.85

30.40%

Beef Round Steak (1kg)

$14.37 CA$20.32

$18.69 $18.69

-23.11%

Apples (1kg)

$3.70 CA$5.23

$4.44 $4.44

-16.67%

Banana (1kg)

$1.19 CA$1.68

$1.26 $1.26

-5.56%

Oranges (1kg)

$3.46 CA$4.90

$2.70 $2.70

28.15%

Tomato (1kg)

$4.22 CA$5.97

$4.43 $4.43

-4.74%

Potato (1kg)

$1.79 CA$2.52

$2.19 $2.19

-18.26%

Onion (1kg)

$1.65 CA$2.33

$1.83 $1.83

-9.84%

Lettuce (1 head)

$2.20 CA$3.11

$1.77 $1.77

24.29%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.38 $1.38

-8.70%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$6.83 $6.83

104.54%

Wine (Bottle)

$14.20 CA$20.07

$13.97 $13.97

1.65%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.05 $2.05

9.76%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$1.84 $1.84

37.50%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.85 $1.85

25.41%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$4.85 $4.85

-36.91%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.52 $1.52

-19.74%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$21.16 $21.16

2.50%

Gasoline (1 liter)

$1.21 CA$1.72

$0.83 $0.83

45.78%

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

$26.1K CA$37.0K

$37.1K $37.1K

-29.49%

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

$21.1K CA$29.9K

$27.3K $27.3K

-22.56%

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

$120 CA$169

$228 $228

-47.56%

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

$32.21 CA$45.54

$33.13 $33.13

-2.78%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$75.2 $75.2

-34.97%

Gym Membership (Monthly)

$39.34 CA$55.6

$41.53 $41.53

-5.27%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

$7.06 $7.06

233.99%

Cinema Ticket

$12.58 CA$17.79

$14.82 $14.82

-15.11%

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

$832 CA$1,176

$1,465 $1,465

-43.21%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$30.8K $30.8K

-23.36%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$55.4 $55.4

-5.55%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$43.06 $43.06

-8.41%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$90.9 $90.9

8.93%

Men's Leather Business Shoes

$122 CA$172

$136 $136

-10.68%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$724 $724

125.27%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$585 $585

147.66%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$1,155 $1,155

136.87%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$1,099 $1,099

93.82%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,327 $2,327

252.68%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,591 $2,591

163.94%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$2,019 $2,019

74.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.55

-31.76%

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

Last update for Toronto: October 18, 2026

Last update for Union City, TN: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Union City, TN

$585 35.4% 59.6% $864

Groceries & Markets

Toronto

$343 13.1%

Union City, TN

$315 19% 8.3% $28

Eating Out

Toronto

$283 10.9%

Union City, TN

$179 10.9% 36.6% $104

Monthly Utilities & Internet

Toronto

$201 7.7%

Union City, TN

$336 20.4% 67.6% $136

Clothing & Footwear

Toronto

$141 5.4%

Union City, TN

$147 8.9% 4.2% $5.9

Getting Around

Toronto

$130 5%

Union City, TN

$20 * 1.2% 84.7% $110

Sport & Entertainment

Toronto

$65 2.5%

Union City, TN

$71 4.3% 10.3% $6.7

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 $1,631 in Toronto and $724 in Union City, TN. Housing cost is often the main lever when comparing two cities.

Toronto pays 74% 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: $79.0 in Toronto vs $50.0 in Union City, TN for a mid-range dinner for two. Groceries echo the gap at $343 vs $315 per month, with Union City, TN cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Union City, TN

🕒 Local time

10:45 10:45 AM

09:45 9:45 AM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

63,930

💱 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 22, 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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

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Between locations

Toronto Union City, TN 1,150 km ≈ 2 h nonstop flight

From you

Toronto
Union City, TN

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 Union City, TN: Cost of Living - Frequently Asked Questions

Union City, TN is cheaper overall, especially in groceries, eating out, and transport. The 58% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 74% 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: $1,631 in Toronto versus $724 in Union City, TN. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $832 in Toronto versus $1,465 in Union City, TN. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Union City, TN – a meal for two runs $50.0 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,653 in Union City, TN versus $2,610 in Toronto, a $3,000 budget is realistic in Union City, TN but tight or insufficient in Toronto. The gap between the two cities makes Union City, TN 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.

Expats usually find Union City, TN gentler on the wallet – expenses run 58% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.