Last update: Oct 2026

Cost of Living Comparison Between Toronto and Whitby, ON

For one person, living is cheaper in Toronto: $2,561 a month against $2,798 in Whitby, ON, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Whitby, ON outweigh lower spending on other living expenses.

125

Cost of Living Index in Toronto
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Toronto Living Index
136

Cost of Living Index in Whitby, ON
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Whitby, ON Living Index

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Toronto

🇨🇦 Canada

$2,561

/mo nomad

Whitby, ON

🇨🇦 Canada

$2,798

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Whitby, ON

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 Whitby, ON actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,561 in Toronto versus $2,798 in Whitby, ON.

Toronto $2,561
Whitby, ON $2,798

Estimated couple costs with rent: $3,694 in Toronto versus $3,805 in Whitby, ON.

Toronto $3,694
Whitby, ON $3,805

Monthly costs for a family of three with rent: $4,826 in Toronto versus $4,811 in Whitby, ON.

Toronto $4,826
Whitby, ON $4,811

Living in Toronto costs roughly 8% less than in Whitby, ON, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Toronto 90% above, Whitby, ON 107% above.

Meal at Budget Restaurant

$17.18 CA$24.29

$13.83 CA$19.55

24.22%

Three-Course Dinner for Two, Mid-Range

$76.0 CA$107

$67.7 CA$95.8

12.17%

Fast Food Meal (McDonalds, etc)

$10.54 CA$14.89

$8.29 CA$11.72

27.14%

Cappuccino

$4.02 CA$5.68

$3.50 CA$4.94

14.86%

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

$2.12 CA$3.00

$1.95 CA$2.75

8.72%

Water (0.33 liter bottle)

$1.75 CA$2.48

$1.42 CA$2.01

23.24%

Local Beer (0.5 liter draught)

$6.24 CA$8.83

$5.74 CA$8.11

8.71%

Imported Beer (0.33 liter bottle)

$7.09 CA$10.02

$6.36 CA$9.00

11.48%

Milk (1 liter)

$2.44 CA$3.45

$2.62 CA$3.71

-6.87%

White Bread (500g)

$2.68 CA$3.78

$2.77 CA$3.92

-3.25%

Rice (white) (1kg)

$2.24 CA$3.17

$4.14 CA$5.85

-45.89%

Eggs

$3.56 CA$5.03

$4.26 CA$6.02

-16.43%

Local Cheese (1kg)

$9.09 CA$12.85

$9.06 CA$12.81

0.33%

Chicken Fillets (1kg)

$11.33 CA$16.01

$10.57 CA$14.94

7.19%

Beef Round Steak (1kg)

$14.53 CA$20.55

$13.36 CA$18.88

8.76%

Apples (1kg)

$3.62 CA$5.12

$4.13 CA$5.84

-12.35%

Banana (1kg)

$1.21 CA$1.72

$1.83 CA$2.58

-33.88%

Oranges (1kg)

$3.60 CA$5.09

$3.44 CA$4.86

4.65%

Tomato (1kg)

$4.21 CA$5.96

$3.64 CA$5.15

15.66%

Potato (1kg)

$1.79 CA$2.53

$3.35 CA$4.73

-46.57%

Onion (1kg)

$1.59 CA$2.25

$3.08 CA$4.35

-48.38%

Lettuce (1 head)

$2.27 CA$3.21

$2.23 CA$3.15

1.79%

Water (1.5 liter bottle)

$1.25 CA$1.77

$1.68 CA$2.37

-25.60%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 CA$19.53

$14.16 CA$20.02

-2.40%

Wine (Bottle)

$14.27 CA$20.18

$12.49 CA$17.66

14.25%

Local Beer (0.5 liter bottle)

$2.20 CA$3.10

$3.51 CA$4.97

-37.32%

Imported Beer (0.33 liter bottle)

$2.43 CA$3.44

$3.53 CA$4.99

-31.16%

One-way Ticket (Public Transport)

$2.39 CA$3.38

$5.45 CA$7.70

-56.15%

Public Transport Monthly Pass (Regular Price)

$111 CA$157

$83.6 CA$118

32.66%

Taxi Start (Normal Tariff)

$2.91 CA$4.12

$3.57 CA$5.05

-18.49%

Taxi (Normal Tariff) (1km)

$1.20 CA$1.69

$0.72 CA$1.01

66.67%

Taxi 1hour Waiting (Normal Tariff)

$21.38 CA$30.23

$17.30 CA$24.46

23.58%

Gasoline (1 liter)

$1.21 CA$1.71

$1.15 CA$1.63

5.22%

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

$28.2K CA$39.8K

$27.3K CA$38.6K

3.18%

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

$20.3K CA$28.6K

$19.0K CA$26.8K

6.70%

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

$120 CA$170

$137 CA$194

-12.10%

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

$32.26 CA$45.60

$36.74 CA$51.9

-12.19%

Internet (50+ Mbps, Unlimited Data)

$47.93 CA$67.8

$53.5 CA$75.7

-10.44%

Gym Membership (Monthly)

$38.48 CA$54.4

$47.35 CA$66.9

-18.73%

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$12.38 CA$17.50

$9.01 CA$12.74

37.40%

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

$830 CA$1,173

$1,016 CA$1,436

-18.31%

International Primary School, 1 Child (Yearly)

$23.1K CA$32.6K

$17.0K CA$24.0K

36.12%

Jeans (Levis 501 Or Similar)

$50.7 CA$71.7

$56.3 CA$79.6

-9.91%

Summer Dress (H&M, Zara, etc)

$40.02 CA$56.6

$56.0 CA$79.2

-28.52%

Sport Shoes (Adidas, Nike)

$98.0 CA$139

$103 CA$145

-4.64%

Men's Leather Business Shoes

$121 CA$171

$130 CA$184

-7.44%

1-bedroom Apartment, City Center (Monthly)

$1,592 CA$2,251

$1,761 CA$2,489

-9.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,410 CA$1,994

$1,639 CA$2,318

-13.97%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

$2,273 CA$3,213

17.47%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

$2,195 CA$3,104

-1.99%

Buy Apartment in City Center (m2)

$7,945 CA$11.2K

$7,419 CA$10.5K

7.09%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

$5,002 CA$7,071

30.80%

Average Monthly Net Salary (After Tax)

$3,727 CA$5,269

$3,051 CA$4,313

22.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

5.39

-17.07%

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

Last update for Toronto: October 12, 2026

Last update for Whitby, ON: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.1%

Whitby, ON

$1.6K 58.6% 16.2% $229

Groceries & Markets

Toronto

$340 13.3%

Whitby, ON

$366 13.1% 7.8% $26

Eating Out

Toronto

$278 10.9%

Whitby, ON

$232 8.3% 16.5% $46

Monthly Utilities & Internet

Toronto

$201 7.8%

Whitby, ON

$227 8.1% 13.3% $27

Clothing & Footwear

Toronto

$139 5.4%

Whitby, ON

$155 5.6% 11.6% $16

Getting Around

Toronto

$129 5.1%

Whitby, ON

$113 4% 13% $17

Sport & Entertainment

Toronto

$63 2.5%

Whitby, ON

$65 2.3% 3.4% $2.1

Cost Breakdown

A one-bedroom apartment in the center runs $1,592 in Toronto and $1,761 in Whitby, ON. Housing cost is often the main lever when comparing two cities.

Toronto pays 22% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Toronto vs $68.0 in Whitby, ON. Groceries flip the comparison at $340 vs $366, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇨🇦 Whitby, ON

🕒 Local time

21:19 9:19 PM

Same time as Toronto

🌤 Weather

👥 Population

2,731,571

128,377

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

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Toronto Whitby, ON 43 km

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Toronto
Whitby, ON

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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 Whitby, ON: Cost of Living - Frequently Asked Questions

Toronto is cheaper overall, especially in groceries, clothing, and utilities. The 9% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 22% 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: $1,592 in Toronto versus $1,761 in Whitby, ON. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 8% higher in Whitby, ON. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Toronto – a meal for two runs $76.0 versus $68.0 in Whitby, ON. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Toronto 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.

Expats usually find Toronto gentler on the wallet – expenses run 9% less than in Whitby, ON. Beyond cost, consider language, visa policies, and how big the international community is in each city.