Cost of Living Comparison Between Toronto and Waterloo Cost of Living Comparison Between Toronto and Waterloo

😐 Solo nomad: Toronto is 20.1% more expensive than Waterloo without rent, and 14.2% more expensive with rent.

😐 Family of 3: Toronto is 18.5% more expensive than Waterloo without rent, and 13.9% more expensive with rent.

Meal at Budget Restaurant

$18.44 CA$25.1

$14.98 CA$20.39

23.10%

Three-Course Dinner for Two, Mid-Range

$83.7 CA$114

$66.9 CA$91

25.09%

Fast Food Meal (McDonalds, etc)

$11.24 CA$15.3

$9.83 CA$13.38

14.34%

Cappuccino

$3.93 CA$5.34

$3.11 CA$4.24

26.37%

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

$2.15 CA$2.93

$1.57 CA$2.14

36.94%

Water (0.33 liter bottle)

$1.69 CA$2.3

$1.62 CA$2.21

4.32%

Local Beer (0.5 liter draught)

$5.95 CA$8.1

$5.55 CA$7.55

7.21%

Imported Beer (0.33 liter bottle)

$6.8 CA$9.25

$6.75 CA$9.18

0.74%

Milk (1 liter)

$2.71 CA$3.68

$2.16 CA$2.94

25.46%

White Bread (500g)

$2.72 CA$3.7

$2.23 CA$3.04

21.97%

Rice (white) (1kg)

$3.64 CA$4.96

$2.55 CA$3.47

42.75%

Eggs

$3.49 CA$4.75

$3.03 CA$4.12

15.18%

Local Cheese (1kg)

$13.31 CA$18.12

$8.23 CA$11.2

61.73%

Chicken Fillets (1kg)

$12.9 CA$17.56

$16.56 CA$22.54

-22.10%

Beef Round Steak (1kg)

$16.93 CA$23.05

$14.16 CA$19.27

19.56%

Apples (1kg)

$3.97 CA$5.41

$4.15 CA$5.65

-4.34%

Banana (1kg)

$1.13 CA$1.54

$1.18 CA$1.61

-4.24%

Oranges (1kg)

$3.39 CA$4.61

$3.22 CA$4.39

5.28%

Tomato (1kg)

$4.07 CA$5.54

$3.78 CA$5.14

7.67%

Potato (1kg)

$2.42 CA$3.29

$2.28 CA$3.1

6.14%

Onion (1kg)

$2.89 CA$3.93

$2.84 CA$3.87

1.76%

Lettuce (1 head)

$2.36 CA$3.21

$1.95 CA$2.65

21.03%

Water (1.5 liter bottle)

$1.98 CA$2.7

$1.61 CA$2.19

22.98%

Cigarettes 20 Pack (Marlboro, Camel)

$14.81 CA$20.16

$14.19 CA$19.32

4.37%

Wine (Bottle)

$12.68 CA$17.26

$10.91 CA$14.85

16.22%

Local Beer (0.5 liter bottle)

$2.77 CA$3.77

$2.49 CA$3.39

11.24%

Imported Beer (0.33 liter bottle)

$3.16 CA$4.3

$3.33 CA$4.54

-5.11%

One-way Ticket (Public Transport)

$2.53 CA$3.44

$2.79 CA$3.8

-9.32%

Public Transport Monthly Pass (Regular Price)

$116 CA$158

$69.5 CA$94.6

67.11%

Taxi Start (Normal Tariff)

$3.73 CA$5.08

$2.64 CA$3.6

41.29%

Taxi (Normal Tariff) (1km)

$1.34 CA$1.82

$1.68 CA$2.29

-20.24%

Taxi 1hour Waiting (Normal Tariff)

$26.03 CA$35.44

$29.07 CA$39.57

-10.46%

Gasoline (1 liter)

$1.15 CA$1.57

$1.16 CA$1.58

-0.86%

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

$24.9K CA$33.8K

$25.3K CA$34.4K

-1.69%

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

$21.1K CA$28.7K

$19.6K CA$26.7K

7.48%

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

$118 CA$160

$186 CA$254

-36.87%

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

$38.04 CA$51.8

$37.08 CA$50.5

2.59%

Internet (50+ Mbps, Unlimited Data)

$53.4 CA$72.7

$54 CA$73.5

-1.07%

Gym Membership (Monthly)

$57.2 CA$77.8

$39.11 CA$53.2

46.18%

Tennis Court (1 Hour on Weekend)

$20.67 CA$28.13

$15.74 CA$21.43

31.32%

Cinema Ticket

$11.92 CA$16.23

$12.04 CA$16.38

-1.00%

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

$1,155 CA$1,572

$566 CA$770

104.18%

International Primary School, 1 Child (Yearly)

$17.9K CA$24.4K

$10.2K CA$13.9K

75.60%

Jeans (Levis 501 Or Similar)

$58.6 CA$79.8

$53.2 CA$72.5

10.12%

Summer Dress (H&M, Zara, etc)

$39.24 CA$53.4

$25.85 CA$35.19

51.80%

Sport Shoes (Adidas, Nike)

$88.1 CA$120

$70.9 CA$96.5

24.32%

Men's Leather Business Shoes

$114 CA$155

$87.2 CA$119

30.83%

1-bedroom Apartment, City Center (Monthly)

$1,805 CA$2,456

$1,426 CA$1,941

26.56%

1-bedroom Apartment, Outside City Center (Monthly)

$1,522 CA$2,072

$1,251 CA$1,703

21.66%

3-bedroom Apartment, City Center (Monthly)

$2,963 CA$4,033

$2,344 CA$3,191

26.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,466 CA$3,357

$2,068 CA$2,815

19.25%

Buy Apartment in City Center (m2)

$8,787 CA$12K

$5,623 CA$7,654

56.28%

Buy Apartment Outside City Center (m2)

$7,087 CA$9,646

$4,343 CA$5,912

63.16%

Average Monthly Net Salary (After Tax)

$3,391 CA$4,616

$3,028 CA$4,122

11.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.71

-23.10%

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

Last update for Toronto: October 29, 2025

Last update for Waterloo: October 28, 2025

Similar cities

Austin, TX

🇺🇸 United States

Dubai

🇦🇪 United Arab Emirates

Singapore

🇸🇬 Singapore

Milan

🇮🇹 Italy

Melbourne

🇦🇺 Australia

Munich

🇩🇪 Germany

Vienna

🇦🇹 Austria

Sydney

🇦🇺 Australia