Last update: Oct 2026

Cost of Living Comparison Between Toronto and Urbana, IL

For one person, living is cheaper in Urbana, IL: $1,871 a month against $2,610 in Toronto, rent and utilities included – about $8,900 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
91

Cost of Living Index in Urbana, IL
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Urbana, IL Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Urbana, IL

🇺🇸 United States

$1,871

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Urbana, IL

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

Monthly costs for one person with rent: $2,610 in Toronto versus $1,871 in Urbana, IL.

Toronto $2,610
Urbana, IL $1,871

Estimated couple costs with rent: $3,727 in Toronto versus $2,123 in Urbana, IL.

Toronto $3,727
Urbana, IL $2,123

Monthly costs for a family of three with rent: $4,844 in Toronto versus $2,374 in Urbana, IL.

Toronto $4,844
Urbana, IL $2,374

Living in Toronto is roughly 40% more expensive than in Urbana, IL, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 93% above, Urbana, IL 38% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$14.83 $14.83

18.61%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$59.0 $59.0

33.57%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$9.95 $9.95

7.84%

Cappuccino

$4.09 CA$5.78

$4.71 $4.71

-13.16%

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

$2.10 CA$2.97

$2.25 $2.25

-6.67%

Water (0.33 liter bottle)

$1.72 CA$2.43

$1.77 $1.77

-2.82%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.46 $5.46

16.48%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$5.65 $5.65

25.31%

Milk (1 liter)

$2.54 CA$3.59

$0.78 $0.78

225.64%

White Bread (500g)

$2.72 CA$3.85

$3.03 $3.03

-10.23%

Rice (white) (1kg)

$2.18 CA$3.09

$3.01 $3.01

-27.57%

Eggs

$3.63 CA$5.13

$3.82 $3.82

-4.97%

Local Cheese (1kg)

$9.46 CA$13.37

$12.23 $12.23

-22.65%

Chicken Fillets (1kg)

$11.54 CA$16.32

$8.95 $8.95

28.94%

Beef Round Steak (1kg)

$14.37 CA$20.32

$14.14 $14.14

1.63%

Apples (1kg)

$3.70 CA$5.23

$4.02 $4.02

-7.96%

Banana (1kg)

$1.19 CA$1.68

$1.63 $1.63

-26.99%

Oranges (1kg)

$3.46 CA$4.90

$3.18 $3.18

8.81%

Tomato (1kg)

$4.22 CA$5.97

$4.54 $4.54

-7.05%

Potato (1kg)

$1.79 CA$2.52

$2.23 $2.23

-19.73%

Onion (1kg)

$1.65 CA$2.33

$2.65 $2.65

-37.74%

Lettuce (1 head)

$2.20 CA$3.11

$2.30 $2.30

-4.35%

Water (1.5 liter bottle)

$1.26 CA$1.78

$1.37 $1.37

-8.03%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$12.21 $12.21

14.41%

Wine (Bottle)

$14.20 CA$20.07

$15.22 $15.22

-6.70%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.08 $2.08

8.17%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.51 $3.51

-27.92%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$0.99 $0.99

134.34%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$3.03 $3.03

0.99%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$0.59 $0.59

106.78%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$25.08 $25.08

-13.52%

Gasoline (1 liter)

$1.21 CA$1.72

$1.16 $1.16

4.31%

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

$26.1K CA$37.0K

$27.7K $27.7K

-5.60%

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

$21.1K CA$29.9K

$26.3K $26.3K

-19.66%

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

$120 CA$169

$242 $242

-50.49%

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

$32.21 CA$45.54

$44.28 $44.28

-27.26%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$60.7 $60.7

-19.47%

Gym Membership (Monthly)

$39.34 CA$55.6

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$13.14 $13.14

-4.26%

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

$832 CA$1,176

$1,003 $1,003

-17.09%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$20.4K $20.4K

16.01%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$48.69 $48.69

7.37%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$50.8 $50.8

-22.33%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$97.7 $97.7

1.32%

Men's Leather Business Shoes

$122 CA$172

$121 $121

1.16%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$866 $866

88.44%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$746 $746

94.26%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$1,774 $1,774

362.54%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$1,732 $1,732

294.87%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$6,774 $6,774

-48.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.82

-34.46%

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

Last update for Toronto: October 18, 2026

Last update for Urbana, IL: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Urbana, IL

$746 39.9% 48.5% $703

Groceries & Markets

Toronto

$343 13.1%

Urbana, IL

$340 18.2% 0.8% $2.9

Eating Out

Toronto

$283 10.9%

Urbana, IL

$260 13.9% 8.3% $24

Monthly Utilities & Internet

Toronto

$201 7.7%

Urbana, IL

$347 18.5% 72.7% $146

Clothing & Footwear

Toronto

$141 5.4%

Urbana, IL

$143 7.6% 1.6% $2.3

Getting Around

Toronto

$130 5%

Urbana, IL

$10 * 0.5% 92.4% $120

Sport & Entertainment

Toronto

$65 2.5%

Urbana, IL

$26 * 1.4% 59.3% $38

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 $866 in Urbana, IL. Housing cost is often the main lever when comparing two cities.

Urbana, IL pays 92% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $79.0 in Toronto vs $59.0 in Urbana, IL for a mid-range dinner for two. Groceries echo the gap at $343 vs $340 per month, with Urbana, IL cheaper across the board.

Good to know

🇨🇦 Toronto

🇺🇸 Urbana, IL

🕒 Local time

16:24 4:24 PM

15:24 3:24 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

41,250

💱 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 Urbana, IL 830 km ≈ 1 h 30 min nonstop flight

From you

Toronto
Urbana, IL

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 Urbana, IL: Cost of Living - Frequently Asked Questions

Urbana, IL is cheaper overall, especially in groceries, eating out, and transport. The 40% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 92% lower in Urbana, IL. 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: $1,631 in Toronto versus $866 in Urbana, IL. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $832 in Toronto versus $1,003 in Urbana, IL. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Urbana, IL – a meal for two runs $59.0 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,871 in Urbana, IL versus $2,610 in Toronto, a $2,000 budget is realistic in Urbana, IL but tight or insufficient in Toronto. The gap between the two cities makes Urbana, IL 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 Urbana, IL gentler on the wallet – expenses run 40% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.