Last update: Oct 2026

Cost of Living Comparison Between Toronto and Westminster, CA

For one person, living is cheaper in Westminster, CA: $2,479 a month against $2,610 in Toronto, rent and utilities included – about $1,600 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

126

Cost of Living Index in Toronto
Learn more

Toronto Living Index
129

Cost of Living Index in Westminster, CA
Learn more

Westminster, CA Living Index

Jump to prices

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Westminster, CA

🇺🇸 United States

$2,479

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Westminster, 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 Westminster, CA actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,610 in Toronto versus $2,479 in Westminster, CA.

Toronto $2,610
Westminster, CA $2,479

Estimated couple costs with rent: $3,727 in Toronto versus $3,908 in Westminster, CA.

Toronto $3,727
Westminster, CA $3,908

Monthly costs for a family of three with rent: $4,844 in Toronto versus $5,337 in Westminster, CA.

Toronto $4,844
Westminster, CA $5,337

Living in Toronto is roughly 5% more expensive than in Westminster, CA, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 93% above, Westminster, CA 83% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$25.14 $25.14

-30.03%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$77.0 $77.0

2.35%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$11.68 $11.68

-8.13%

Cappuccino

$4.09 CA$5.78

$5.53 $5.53

-26.04%

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

$2.10 CA$2.97

$2.77 $2.77

-24.19%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.05 $2.05

-16.10%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$7.37 $7.37

-13.70%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$9.43 $9.43

-24.92%

Milk (1 liter)

$2.54 CA$3.59

$1.18 $1.18

115.25%

White Bread (500g)

$2.72 CA$3.85

$5.20 $5.20

-47.69%

Rice (white) (1kg)

$2.18 CA$3.09

$4.25 $4.25

-48.71%

Eggs

$3.63 CA$5.13

$4.92 $4.92

-26.22%

Local Cheese (1kg)

$9.46 CA$13.37

$12.55 $12.55

-24.62%

Chicken Fillets (1kg)

$11.54 CA$16.32

$8.93 $8.93

29.23%

Beef Round Steak (1kg)

$14.37 CA$20.32

$13.82 $13.82

3.98%

Apples (1kg)

$3.70 CA$5.23

$4.87 $4.87

-24.02%

Banana (1kg)

$1.19 CA$1.68

$1.78 $1.78

-33.15%

Oranges (1kg)

$3.46 CA$4.90

$4.02 $4.02

-13.93%

Tomato (1kg)

$4.22 CA$5.97

$5.58 $5.58

-24.37%

Potato (1kg)

$1.79 CA$2.52

$3.57 $3.57

-49.86%

Onion (1kg)

$1.65 CA$2.33

$3.14 $3.14

-47.45%

Lettuce (1 head)

$2.20 CA$3.11

$2.17 $2.17

1.38%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.30 $2.30

-45.22%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$11.87 $11.87

17.69%

Wine (Bottle)

$14.20 CA$20.07

$15.10 $15.10

-5.96%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$1.69 $1.69

33.14%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.19 $3.19

-20.69%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.88 $1.88

23.40%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$4.38 $4.38

-30.14%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.91 $1.91

-36.13%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$35.29 $35.29

-38.54%

Gasoline (1 liter)

$1.21 CA$1.72

$1.59 $1.59

-23.90%

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

$26.1K CA$37.0K

$27.6K $27.6K

-5.34%

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

$21.1K CA$29.9K

$26.2K $26.2K

-19.50%

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

$120 CA$169

$212 $212

-43.50%

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

$32.21 CA$45.54

$71.2 $71.2

-54.74%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$69.3 $69.3

-29.46%

Gym Membership (Monthly)

$39.34 CA$55.6

$47.31 $47.31

-16.85%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$11.89 $11.89

5.80%

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

$832 CA$1,176

$1,192 $1,192

-30.24%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$42.5K $42.5K

-44.41%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$74.2 $74.2

-29.51%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$47.57 $47.57

-17.09%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$104 $104

-5.02%

Men's Leather Business Shoes

$122 CA$172

$103 $103

18.76%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,465 $1,465

11.37%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,108 $1,108

30.76%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,743 $2,743

-0.23%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,324 $2,324

-8.36%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,933 $2,933

179.81%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,679 $2,679

155.26%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$4,559 $4,559

-22.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.31

-29.16%

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

Last update for Toronto: October 18, 2026

Last update for Westminster, CA: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Westminster, CA

$1.1K 44.7% 23.5% $341

Groceries & Markets

Toronto

$343 13.1%

Westminster, CA

$402 16.2% 17.1% $59

Eating Out

Toronto

$283 10.9%

Westminster, CA

$377 15.2% 33.3% $94

Monthly Utilities & Internet

Toronto

$201 7.7%

Westminster, CA

$352 14.2% 75.5% $151

Clothing & Footwear

Toronto

$141 5.4%

Westminster, CA

$148 6% 5.1% $7.2

Getting Around

Toronto

$130 5%

Westminster, CA

$21 * 0.9% 83.5% $109

Sport & Entertainment

Toronto

$65 2.5%

Westminster, CA

$71 2.9% 10.2% $6.6

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 $1,465 in Westminster, CA. Housing cost is often the main lever when comparing two cities.

Westminster, CA pays 30% 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 $77.0 in Westminster, CA. Groceries flip the comparison at $343 vs $402, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 Westminster, CA

🕒 Local time

15:10 3:10 PM

12:10 12:10 PM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

110,945

💱 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

Lowest

Highest

Between locations

Toronto Westminster, CA 3,490 km ≈ 4 h 45 min nonstop flight

From you

Toronto
Westminster, 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 Westminster, CA: Cost of Living - Frequently Asked Questions

Westminster, CA is cheaper overall, especially in transport. The 5% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 30% lower in Westminster, 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: $1,631 in Toronto versus $1,465 in Westminster, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $832 in Toronto versus $1,192 in Westminster, CA. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Westminster, CA – a meal for two runs $77.0 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $3,000. Westminster, 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.

Safety-wise, Toronto and Westminster, CA are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Westminster, CA gentler on the wallet – expenses run 5% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.