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

😐 Solo nomad: Toronto is 18.8% more expensive than Waterloo without rent, and 12.8% more expensive with rent.

😐 Family of 3: Toronto is 18.2% more expensive than Waterloo without rent, and 16.5% more expensive with rent.

Meal at Budget Restaurant

$18.97 CA$26.37

$14.60 CA$20.30

29.93%

Three-Course Dinner for Two, Mid-Range

$82.9 CA$115

$66.1 CA$91.9

25.32%

Fast Food Meal (McDonalds, etc)

$11.12 CA$15.45

$9.44 CA$13.12

17.80%

Cappuccino

$3.98 CA$5.54

$2.98 CA$4.15

33.56%

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

$2.11 CA$2.93

$1.56 CA$2.16

35.26%

Water (0.33 liter bottle)

$1.70 CA$2.37

$1.60 CA$2.22

6.25%

Local Beer (0.5 liter draught)

$5.84 CA$8.12

$5.49 CA$7.63

6.38%

Imported Beer (0.33 liter bottle)

$6.64 CA$9.23

$6.47 CA$8.99

2.63%

Milk (1 liter)

$2.80 CA$3.89

$2.24 CA$3.12

25.00%

White Bread (500g)

$2.87 CA$3.99

$2.35 CA$3.27

22.13%

Rice (white) (1kg)

$3.68 CA$5.12

$2.69 CA$3.74

36.80%

Eggs

$3.47 CA$4.82

$3.08 CA$4.28

12.66%

Local Cheese (1kg)

$13.62 CA$18.93

$8.27 CA$11.50

64.69%

Chicken Fillets (1kg)

$13.03 CA$18.11

$16.13 CA$22.42

-19.22%

Beef Round Steak (1kg)

$16.98 CA$23.60

$14.13 CA$19.64

20.17%

Apples (1kg)

$4.07 CA$5.65

$3.99 CA$5.54

2.01%

Banana (1kg)

$1.18 CA$1.64

$1.22 CA$1.70

-3.28%

Oranges (1kg)

$3.35 CA$4.65

$3.29 CA$4.57

1.82%

Tomato (1kg)

$3.98 CA$5.53

$3.66 CA$5.09

8.74%

Potato (1kg)

$2.42 CA$3.37

$2.38 CA$3.31

1.68%

Onion (1kg)

$2.90 CA$4.03

$2.72 CA$3.78

6.62%

Lettuce (1 head)

$2.45 CA$3.40

$1.93 CA$2.68

26.94%

Water (1.5 liter bottle)

$1.97 CA$2.75

$1.60 CA$2.22

23.12%

Cigarettes 20 Pack (Marlboro, Camel)

$14.49 CA$20.13

$14.09 CA$19.58

2.84%

Wine (Bottle)

$13.12 CA$18.23

$10.78 CA$14.99

21.71%

Local Beer (0.5 liter bottle)

$2.77 CA$3.86

$2.41 CA$3.36

14.94%

Imported Beer (0.33 liter bottle)

$3.28 CA$4.56

$3.29 CA$4.57

-0.30%

One-way Ticket (Public Transport)

$2.50 CA$3.48

$2.78 CA$3.87

-10.07%

Public Transport Monthly Pass (Regular Price)

$117 CA$162

$67.9 CA$94.4

71.80%

Taxi Start (Normal Tariff)

$3.78 CA$5.25

$2.62 CA$3.64

44.27%

Taxi (Normal Tariff) (1km)

$1.35 CA$1.88

$1.74 CA$2.42

-22.41%

Taxi 1hour Waiting (Normal Tariff)

$25.68 CA$35.70

$29.66 CA$41.23

-13.42%

Gasoline (1 liter)

$1.14 CA$1.59

$1.11 CA$1.54

2.70%

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

$25.1K CA$34.9K

-0.14%

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

$21.4K CA$29.8K

$20.0K CA$27.8K

6.99%

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

$120 CA$166

$181 CA$251

-33.82%

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

$36.86 CA$51.2

$37.07 CA$51.5

-0.57%

Internet (50+ Mbps, Unlimited Data)

$54.2 CA$75.4

$55.0 CA$76.5

-1.44%

Gym Membership (Monthly)

$56.5 CA$78.5

$39.04 CA$54.3

44.70%

Tennis Court (1 Hour on Weekend)

$21.02 CA$29.22

$15.23 CA$21.17

38.02%

Cinema Ticket

$11.59 CA$16.11

$11.91 CA$16.56

-2.69%

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

$1,134 CA$1,576

$562 CA$781

101.95%

International Primary School, 1 Child (Yearly)

$18.4K CA$25.6K

$10.2K CA$14.2K

80.28%

Jeans (Levis 501 Or Similar)

$57.0 CA$79.2

$53.2 CA$74.0

7.06%

Summer Dress (H&M, Zara, etc)

$38.93 CA$54.1

$25.92 CA$36.03

50.19%

Sport Shoes (Adidas, Nike)

$89.6 CA$124

$69.1 CA$96.1

29.58%

Men's Leather Business Shoes

$116 CA$161

$87.0 CA$121

33.47%

1-bedroom Apartment, City Center (Monthly)

$1,819 CA$2,528

$1,432 CA$1,990

27.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,529 CA$2,125

$1,285 CA$1,786

18.97%

3-bedroom Apartment, City Center (Monthly)

$2,993 CA$4,160

$2,346 CA$3,261

27.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,444 CA$3,397

$2,059 CA$2,862

18.69%

Buy Apartment in City Center (m2)

$8,696 CA$12.1K

$5,273 CA$7,329

64.92%

Buy Apartment Outside City Center (m2)

$6,744 CA$9,374

$5,012 CA$6,966

34.56%

Average Monthly Net Salary (After Tax)

$3,628 CA$5,043

$3,134 CA$4,357

15.74%

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: January 13, 2026

Last update for Waterloo: January 12, 2026

City Median Internet Speeds Comparison (Updated December 2025)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

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