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: $2,788 in Toronto versus $3,065 in Whitby, ON.

Estimated couple costs with rent: $4,110 in Toronto versus $4,025 in Whitby, ON.

Monthly costs for a family of three with rent: $5,432 in Toronto versus $4,985 in Whitby, ON.

Living in Toronto costs roughly 9% less than in Whitby, ON, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Toronto 109% above, Whitby, ON 129% above.

Meal at Budget Restaurant

$18.51 CA$25.96

$15.94 CA$22.35

16.12%

Three-Course Dinner for Two, Mid-Range

$83.8 CA$118

$74.2 CA$104

12.91%

Fast Food Meal (McDonalds, etc)

$10.97 CA$15.38

$10.48 CA$14.69

4.68%

Cappuccino

$3.99 CA$5.59

$3.46 CA$4.86

15.32%

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

$2.11 CA$2.96

$2.12 CA$2.97

-0.47%

Water (0.33 liter bottle)

$1.69 CA$2.37

$1.63 CA$2.29

3.68%

Local Beer (0.5 liter draught)

$5.92 CA$8.30

$5.84 CA$8.19

1.37%

Imported Beer (0.33 liter bottle)

$6.48 CA$9.08

$6.16 CA$8.64

5.19%

Milk (1 liter)

$2.71 CA$3.80

$2.58 CA$3.61

5.04%

White Bread (500g)

$2.85 CA$4.00

$2.62 CA$3.68

8.78%

Rice (white) (1kg)

$3.56 CA$4.99

$4.35 CA$6.10

-18.16%

Eggs

$3.54 CA$4.96

$3.55 CA$4.98

-0.28%

Local Cheese (1kg)

$13.26 CA$18.59

$12.23 CA$17.15

8.42%

Chicken Fillets (1kg)

$13.05 CA$18.29

$9.28 CA$13.01

40.63%

Beef Round Steak (1kg)

$16.77 CA$23.51

$8.63 CA$12.10

94.32%

Apples (1kg)

$4.11 CA$5.77

$3.63 CA$5.09

13.22%

Banana (1kg)

$1.14 CA$1.60

$2.12 CA$2.97

-46.23%

Oranges (1kg)

$3.40 CA$4.76

$3.98 CA$5.59

-14.57%

Tomato (1kg)

$4.02 CA$5.64

$4.89 CA$6.86

-17.79%

Potato (1kg)

$2.43 CA$3.41

$4.41 CA$6.18

-44.90%

Onion (1kg)

$2.94 CA$4.12

$3.26 CA$4.57

-9.82%

Lettuce (1 head)

$2.47 CA$3.47

$2.98 CA$4.17

-17.11%

Water (1.5 liter bottle)

$1.92 CA$2.69

$1.48 CA$2.08

29.73%

Cigarettes 20 Pack (Marlboro, Camel)

$14.99 CA$21.01

$14.95 CA$20.96

0.27%

Wine (Bottle)

$14.34 CA$20.10

$12.34 CA$17.30

16.21%

Local Beer (0.5 liter bottle)

$2.71 CA$3.80

$3.06 CA$4.29

-11.44%

Imported Beer (0.33 liter bottle)

$3.12 CA$4.38

$2.89 CA$4.05

7.96%

One-way Ticket (Public Transport)

$2.45 CA$3.44

$2.90 CA$4.06

-15.52%

Public Transport Monthly Pass (Regular Price)

$113 CA$158

$87.1 CA$122

29.56%

Taxi Start (Normal Tariff)

$3.63 CA$5.08

$3.08 CA$4.32

17.86%

Taxi (Normal Tariff) (1km)

$1.34 CA$1.88

$2.76 CA$3.88

-51.45%

Taxi 1hour Waiting (Normal Tariff)

$25.55 CA$35.82

$21.68 CA$30.40

17.85%

Gasoline (1 liter)

$1.11 CA$1.55

$1.12 CA$1.57

-0.89%

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

$25.3K CA$35.4K

$24.2K CA$33.9K

4.45%

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

$21.8K CA$30.5K

$22.9K CA$32.1K

-4.81%

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

$117 CA$164

$141 CA$197

-17.11%

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

$37.60 CA$52.7

$54.7 CA$76.7

-31.22%

Internet (50+ Mbps, Unlimited Data)

$53.7 CA$75.3

$63.8 CA$89.5

-15.87%

Gym Membership (Monthly)

$57.1 CA$80.1

$37.52 CA$52.6

52.19%

Tennis Court (1 Hour on Weekend)

$20.86 CA$29.24

Cinema Ticket

$11.56 CA$16.20

$9.59 CA$13.44

20.54%

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

$1,125 CA$1,577

$1,104 CA$1,547

1.94%

International Primary School, 1 Child (Yearly)

$18.4K CA$25.9K

$18.3K CA$25.6K

1.01%

Jeans (Levis 501 Or Similar)

$57.3 CA$80.4

$60.6 CA$84.9

-5.33%

Summer Dress (H&M, Zara, etc)

$39.05 CA$54.8

$57.3 CA$80.3

-31.84%

Sport Shoes (Adidas, Nike)

$87.6 CA$123

$77.9 CA$109

12.47%

Men's Leather Business Shoes

$114 CA$159

$157 CA$221

-27.85%

1-bedroom Apartment, City Center (Monthly)

$1,842 CA$2,582

$1,858 CA$2,604

-0.86%

1-bedroom Apartment, Outside City Center (Monthly)

$1,531 CA$2,146

$1,814 CA$2,543

-15.60%

3-bedroom Apartment, City Center (Monthly)

$2,925 CA$4,101

$2,440 CA$3,421

19.88%

3-bedroom Apartment, Outside City Center (Monthly)

$2,502 CA$3,508

$2,285 CA$3,203

9.53%

Buy Apartment in City Center (m2)

$8,725 CA$12.2K

$7,557 CA$10.6K

15.46%

Buy Apartment Outside City Center (m2)

$6,867 CA$9,628

$4,907 CA$6,879

39.95%

Average Monthly Net Salary (After Tax)

$3,454 CA$4,842

$3,054 CA$4,281

13.10%

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: July 11, 2026

Last update for Whitby, ON: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,842 in Toronto and $1,858 in Whitby, ON. Housing cost is often the main lever when comparing two cities.

Toronto pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $84.0 in Toronto vs $74.0 in Whitby, ON for a mid-range dinner for two. Groceries echo the gap at $395 vs $359 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 10% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 13% 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: $1,842 in Toronto versus $1,858 in Whitby, ON. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Whitby, ON pay roughly 10% 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 $84.0 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 10% less than in Whitby, ON. Beyond cost, consider language, visa policies, and how big the international community is in each city.