Last update: Nov 2026

Cost of Living Comparison Between Toronto and Yarmouth

For one person, living is cheaper in Yarmouth: $2,224 a month against $2,599 in Toronto, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
106

Cost of Living Index in Yarmouth
Learn more

Yarmouth Living Index

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Toronto

🇨🇦 Canada

$2,599

/mo nomad

Yarmouth

🇨🇦 Canada

$2,224

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in Yarmouth

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

Monthly costs for one person with rent: $2,599 in Toronto versus $2,224 in Yarmouth.

Toronto $2,599
Yarmouth $2,224

Estimated couple costs with rent: $3,700 in Toronto versus $2,961 in Yarmouth.

Toronto $3,700
Yarmouth $2,961

Monthly costs for a family of three with rent: $4,801 in Toronto versus $3,699 in Yarmouth.

Toronto $4,801
Yarmouth $3,699

Living in Toronto is roughly 17% more expensive than in Yarmouth, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Toronto 92% above, Yarmouth 64% above.

Meal at Budget Restaurant

$17.98 CA$25.20

$17.75 CA$24.89

1.30%

Three-Course Dinner for Two, Mid-Range

$72.3 CA$101

$64.1 CA$89.8

12.82%

Fast Food Meal (McDonalds, etc)

$10.83 CA$15.18

$10.74 CA$15.06

0.84%

Cappuccino

$4.34 CA$6.09

$3.94 CA$5.52

10.15%

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

$2.16 CA$3.03

$2.23 CA$3.12

-3.14%

Water (0.33 liter bottle)

$1.66 CA$2.32

$1.76 CA$2.47

-5.68%

Local Beer (0.5 liter draught)

$6.35 CA$8.90

$5.60 CA$7.84

13.39%

Imported Beer (0.33 liter bottle)

$7.34 CA$10.29

$5.85 CA$8.20

25.47%

Milk (1 liter)

$2.57 CA$3.60

$1.87 CA$2.62

37.43%

White Bread (500g)

$2.71 CA$3.79

$2.52 CA$3.53

7.54%

Rice (white) (1kg)

$2.28 CA$3.19

$3.60 CA$5.04

-36.67%

Eggs

$3.60 CA$5.05

Local Cheese (1kg)

$8.94 CA$12.54

$9.04 CA$12.67

-1.11%

Chicken Fillets (1kg)

$11.19 CA$15.69

$11.74 CA$16.46

-4.68%

Beef Round Steak (1kg)

$15.23 CA$21.34

$7.67 CA$10.75

98.57%

Apples (1kg)

$3.74 CA$5.25

$3.22 CA$4.51

16.15%

Banana (1kg)

$1.23 CA$1.72

$1.68 CA$2.36

-26.79%

Oranges (1kg)

$3.58 CA$5.02

Tomato (1kg)

$4.25 CA$5.96

$2.70 CA$3.79

57.41%

Potato (1kg)

$1.94 CA$2.72

$2.40 CA$3.36

-19.17%

Onion (1kg)

$1.67 CA$2.34

$1.83 CA$2.56

-8.74%

Lettuce (1 head)

$2.30 CA$3.22

$2.62 CA$3.67

-12.21%

Water (1.5 liter bottle)

$1.26 CA$1.77

$1.65 CA$2.31

-23.64%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.90

$15.66 CA$21.95

-9.39%

Wine (Bottle)

$14.25 CA$19.97

$16.68 CA$23.38

-14.57%

Local Beer (0.5 liter bottle)

$2.28 CA$3.20

$3.43 CA$4.81

-33.53%

Imported Beer (0.33 liter bottle)

$2.58 CA$3.62

$3.36 CA$4.71

-23.21%

One-way Ticket (Public Transport)

$2.35 CA$3.30

$1.63 CA$2.29

44.17%

Public Transport Monthly Pass (Regular Price)

$111 CA$156

$48.04 CA$67.3

131.02%

Taxi Start (Normal Tariff)

$3.01 CA$4.22

$3.16 CA$4.42

-4.75%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.71

$1.27 CA$1.77

-3.94%

Taxi 1hour Waiting (Normal Tariff)

$21.82 CA$30.59

$14.84 CA$20.80

47.04%

Gasoline (1 liter)

$1.23 CA$1.73

$1.20 CA$1.69

2.50%

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

$27.0K CA$37.8K

$24.9K CA$34.9K

8.31%

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

$21.8K CA$30.6K

-0.02%

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

$121 CA$169

$147 CA$206

-17.94%

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

$33.10 CA$46.40

$42.83 CA$60.0

-22.72%

Internet (50+ Mbps, Unlimited Data)

$49.09 CA$68.8

$68.1 CA$95.5

-27.93%

Gym Membership (Monthly)

$36.65 CA$51.4

$57.8 CA$81.0

-36.57%

Tennis Court (1 Hour on Weekend)

$25.01 CA$35.06

$15.05 CA$21.10

66.18%

Cinema Ticket

$12.78 CA$17.91

$9.97 CA$13.97

28.18%

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

$754 CA$1,058

$883 CA$1,238

-14.58%

International Primary School, 1 Child (Yearly)

$33.7K CA$47.2K

$16.9K CA$23.7K

98.90%

Jeans (Levis 501 Or Similar)

$50.4 CA$70.6

$45.24 CA$63.4

11.38%

Summer Dress (H&M, Zara, etc)

$41.43 CA$58.1

$33.80 CA$47.38

22.57%

Sport Shoes (Adidas, Nike)

$101 CA$142

$97.9 CA$137

3.38%

Men's Leather Business Shoes

$130 CA$183

$107 CA$150

21.69%

1-bedroom Apartment, City Center (Monthly)

$1,590 CA$2,228

$1,160 CA$1,626

37.07%

1-bedroom Apartment, Outside City Center (Monthly)

$1,424 CA$1,996

$1,085 CA$1,521

31.25%

3-bedroom Apartment, City Center (Monthly)

$2,641 CA$3,702

$1,919 CA$2,690

37.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 CA$2,930

$1,191 CA$1,669

75.51%

Buy Apartment in City Center (m2)

$7,730 CA$10.8K

$1,429 CA$2,003

441.08%

Buy Apartment Outside City Center (m2)

$6,892 CA$9,661

$1,294 CA$1,814

432.46%

Average Monthly Net Salary (After Tax)

$3,623 CA$5,078

$2,630 CA$3,686

37.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

4.91

-9.37%

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

Last update for Toronto: November 2, 2026

Last update for Yarmouth: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.8%

Yarmouth

$1.1K 48.8% 23.8% $339

Groceries & Markets

Toronto

$345 13.3%

Yarmouth

$334 15% 3.2% $11

Eating Out

Toronto

$290 11.2%

Yarmouth

$277 12.5% 4.5% $13

Monthly Utilities & Internet

Toronto

$203 7.8%

Yarmouth

$258 11.6% 27.2% $55

Clothing & Footwear

Toronto

$145 5.6%

Yarmouth

$128 5.8% 12.2% $18

Getting Around

Toronto

$130 5%

Yarmouth

$64 2.9% 50.5% $65

Sport & Entertainment

Toronto

$62 2.4%

Yarmouth

$78 3.5% 25% $16

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Toronto and $1,160 in Yarmouth. Housing cost is often the main lever when comparing two cities.

Toronto pays 38% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $72 in Toronto vs $64 in Yarmouth for a mid-range dinner for two. Groceries echo the gap at $345 vs $334 per month, with Yarmouth cheaper across the board.

Good to know

🇨🇦 Toronto

🇨🇦 Yarmouth

🕒 Local time

08:37 8:37 AM

09:37 9:37 AM

1 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

6,500

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

1 CAD = 0.713 USD

1 CAD = 0.635 EUR

Exchange rates and currency converter

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Between locations

Toronto Yarmouth 1,060 km ≈ 1 h 45 min nonstop flight

From you

Toronto
Yarmouth

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 Yarmouth: Cost of Living - Frequently Asked Questions

Yarmouth is about 14% cheaper overall, especially in transport, clothing, and eating out. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 38% 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: $1,590 in Toronto versus $1,160 in Yarmouth. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 3% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Yarmouth – a meal for two runs $64 versus $72 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Yarmouth is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Expats usually find Yarmouth gentler on the wallet – expenses run 14% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.