Cost of Living Comparison Between Toronto and Whitby, ON Cost of Living Comparison Between Toronto and Whitby, ON

Monthly Cost of Living

Monthly costs for one person with rent: $2,811 in Toronto versus $3,003 in Whitby, ON.

Estimated couple costs with rent: $4,130 in Toronto versus $3,956 in Whitby, ON.

Monthly costs for a family of three with rent: $5,449 in Toronto versus $4,910 in Whitby, ON.

Living in Toronto costs roughly 6% less than in Whitby, ON, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Toronto 110% above, Whitby, ON 124% above.

Meal at Budget Restaurant

$18.71 CA$25.99

$15.91 CA$22.11

17.60%

Three-Course Dinner for Two, Mid-Range

$81.9 CA$114

$73.8 CA$102

10.97%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.04

$10.10 CA$14.04

7.23%

Cappuccino

$3.89 CA$5.40

$3.57 CA$4.96

8.96%

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

$2.22 CA$3.09

$2.01 CA$2.80

10.45%

Water (0.33 liter bottle)

$1.65 CA$2.29

$1.55 CA$2.15

6.45%

Local Beer (0.5 liter draught)

$6.05 CA$8.41

$6.02 CA$8.36

0.50%

Imported Beer (0.33 liter bottle)

$6.58 CA$9.15

$6.39 CA$8.87

2.97%

Milk (1 liter)

$2.73 CA$3.79

$2.50 CA$3.48

9.20%

White Bread (500g)

$2.72 CA$3.77

$2.61 CA$3.62

4.21%

Rice (white) (1kg)

$3.54 CA$4.91

$4.51 CA$6.26

-21.51%

Eggs

$3.50 CA$4.86

$3.50 CA$4.87

Local Cheese (1kg)

$13.53 CA$18.80

$12.09 CA$16.80

11.91%

Chicken Fillets (1kg)

$13.09 CA$18.19

$9.28 CA$12.89

41.06%

Beef Round Steak (1kg)

$16.96 CA$23.57

$9.05 CA$12.58

87.40%

Apples (1kg)

$4.16 CA$5.78

$3.59 CA$4.98

15.88%

Banana (1kg)

$1.18 CA$1.64

$2.08 CA$2.88

-43.27%

Oranges (1kg)

$3.25 CA$4.51

$3.81 CA$5.29

-14.70%

Tomato (1kg)

$4.12 CA$5.72

$4.90 CA$6.81

-15.92%

Potato (1kg)

$2.50 CA$3.48

$4.36 CA$6.05

-42.66%

Onion (1kg)

$2.88 CA$4.00

$3.35 CA$4.66

-14.03%

Lettuce (1 head)

$2.35 CA$3.26

$2.86 CA$3.97

-17.83%

Water (1.5 liter bottle)

$2.00 CA$2.78

$1.44 CA$2.00

38.89%

Cigarettes 20 Pack (Marlboro, Camel)

$14.58 CA$20.26

$14.47 CA$20.11

0.76%

Wine (Bottle)

$14.18 CA$19.70

$12.57 CA$17.46

12.81%

Local Beer (0.5 liter bottle)

$2.80 CA$3.89

$3.09 CA$4.30

-9.39%

Imported Beer (0.33 liter bottle)

$3.25 CA$4.52

$2.89 CA$4.02

12.46%

One-way Ticket (Public Transport)

$2.40 CA$3.33

$2.87 CA$3.98

-16.38%

Public Transport Monthly Pass (Regular Price)

$114 CA$158

$87.2 CA$121

30.85%

Taxi Start (Normal Tariff)

$3.76 CA$5.22

$3.07 CA$4.27

22.48%

Taxi (Normal Tariff) (1km)

$1.41 CA$1.96

$2.82 CA$3.92

-50.00%

Taxi 1hour Waiting (Normal Tariff)

$25.53 CA$35.47

$21.89 CA$30.42

16.63%

Gasoline (1 liter)

$1.10 CA$1.53

$1.15 CA$1.60

-4.35%

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

$25.2K CA$35.1K

$24.5K CA$34.1K

2.98%

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

$21.1K CA$29.3K

$22.9K CA$31.9K

-8.10%

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

$120 CA$166

$141 CA$196

-15.15%

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

$37.54 CA$52.2

$54.4 CA$75.5

-30.93%

Internet (50+ Mbps, Unlimited Data)

$54.5 CA$75.7

$63.2 CA$87.8

-13.75%

Gym Membership (Monthly)

$55.5 CA$77.1

$37.30 CA$51.8

48.82%

Tennis Court (1 Hour on Weekend)

$21.15 CA$29.39

Cinema Ticket

$11.56 CA$16.06

$9.54 CA$13.26

21.17%

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

$1,129 CA$1,569

$1,086 CA$1,508

4.03%

International Primary School, 1 Child (Yearly)

$18.0K CA$25.0K

$18.5K CA$25.7K

-2.76%

Jeans (Levis 501 Or Similar)

$56.9 CA$79.1

$60.0 CA$83.3

-5.05%

Summer Dress (H&M, Zara, etc)

$39.96 CA$55.5

$58.6 CA$81.4

-31.77%

Sport Shoes (Adidas, Nike)

$89.7 CA$125

$79.9 CA$111

12.24%

Men's Leather Business Shoes

$114 CA$159

$156 CA$217

-26.70%

1-bedroom Apartment, City Center (Monthly)

$1,849 CA$2,570

$1,868 CA$2,595

-0.98%

1-bedroom Apartment, Outside City Center (Monthly)

$1,560 CA$2,167

$1,844 CA$2,563

-15.44%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,065

$2,418 CA$3,360

20.97%

3-bedroom Apartment, Outside City Center (Monthly)

$2,470 CA$3,432

$2,296 CA$3,190

7.57%

Buy Apartment in City Center (m2)

$9,085 CA$12.6K

$7,807 CA$10.8K

16.37%

Buy Apartment Outside City Center (m2)

$7,036 CA$9,775

$5,068 CA$7,041

38.83%

Average Monthly Net Salary (After Tax)

$3,572 CA$4,963

$3,136 CA$4,357

13.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.16

6.4

-19.38%

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

Last update for Toronto: May 31, 2026

Last update for Whitby, ON: May 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,849 in Toronto and $1,868 in Whitby, ON. Housing cost is often the main lever when comparing two cities.

Toronto pays 14% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $82.0 in Toronto vs $74.0 in Whitby, ON for a mid-range dinner for two. Groceries echo the gap at $396 vs $358 per month, with Whitby, ON cheaper across the board.

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 Clothing & Footwear, Monthly Utilities & Internet. The 7% gap adds up to real monthly savings that compound significantly over time.

Toronto pays 14% more on average, 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: $1,849 in Toronto versus $1,868 in Whitby, ON. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Whitby, ON pay roughly 11% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Toronto – a meal for two runs $82.0 versus $74.0 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 7% less than in Whitby, ON. Beyond cost, consider language, visa policies, and how big the international community is in each city.