Last update: Oct 2026

Cost of Living Comparison Between Tortola and Montreal

For one person, living is cheaper in Montreal: $2,067 a month against $2,450 in Tortola, rent and utilities included – about $4,600 less a year. Rent and utilities account for most of the difference.

100

Cost of Living Index in Montreal
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Montreal Living Index

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Tortola

🇻🇬 British Virgin Islands

$2,450

/mo nomad

Montreal

🇨🇦 Canada

$2,067

/mo nomad

Monthly Cost of Living

How much you'll spend in Tortola and in Montreal

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Tortola and in Montreal actually costs, broken down by who's living it.

A single person spends $2,450 per month in Tortola vs $2,067 in Montreal, rent included.

Tortola $2,450
Montreal $2,067

A couple spends around $4,150 per month in Tortola vs $3,179 in Montreal, rent included.

Tortola $4,150
Montreal $3,179

A family of three spends $5,850 per month in Tortola vs $4,291 in Montreal, rent included.

Tortola $5,850
Montreal $4,291

Tortola costs about 19% more than Montreal, and outside of rent the biggest gap is in groceries.

Both Tortola and Montreal sit above the global median – Tortola by 81%, Montreal by 53%.

Meal at Budget Restaurant

$21.84 $21.84

$18.89 CA$26.48

15.62%

Three-Course Dinner for Two, Mid-Range

$82.2 $82.2

$72.6 CA$102

13.23%

Fast Food Meal (McDonalds, etc)

$14.95 $14.95

$10.79 CA$15.13

38.55%

Cappuccino

$8.04 $8.04

$3.98 CA$5.58

102.01%

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

$1.85 $1.85

$2.02 CA$2.83

-8.42%

Water (0.33 liter bottle)

$1.36 $1.36

$1.63 CA$2.29

-16.56%

Local Beer (0.5 liter draught)

$3.89 $3.89

$6.32 CA$8.86

-38.45%

Imported Beer (0.33 liter bottle)

$4.95 $4.95

$7.06 CA$9.90

-29.89%

Milk (1 liter)

$2.93 $2.93

$2.33 CA$3.27

25.75%

White Bread (500g)

$4.55 $4.55

$3.25 CA$4.55

40.00%

Rice (white) (1kg)

$6.97 $6.97

$3.26 CA$4.58

113.80%

Eggs

$7.22 $7.22

$3.48 CA$4.87

107.47%

Local Cheese (1kg)

$12.88 $12.88

$13.73 CA$19.25

-6.19%

Chicken Fillets (1kg)

$12.86 $12.86

$11.48 CA$16.09

12.02%

Beef Round Steak (1kg)

$19.74 $19.74

$14.26 CA$19.99

38.43%

Apples (1kg)

$2.00 $2.00

$3.52 CA$4.94

-43.18%

Banana (1kg)

$3.98 $3.98

$1.46 CA$2.04

172.60%

Oranges (1kg)

$2.06 $2.06

$3.41 CA$4.78

-39.59%

Tomato (1kg)

$7.47 $7.47

$3.20 CA$4.49

133.44%

Potato (1kg)

$6.16 $6.16

$1.94 CA$2.71

217.53%

Onion (1kg)

$5.09 $5.09

$1.78 CA$2.50

185.96%

Lettuce (1 head)

$11.85 $11.85

$2.52 CA$3.53

370.24%

Water (1.5 liter bottle)

$1.58 CA$2.22

Cigarettes 20 Pack (Marlboro, Camel)

$4.93 $4.93

$11.51 CA$16.13

-57.17%

Wine (Bottle)

$11.16 $11.16

$10.57 CA$14.82

5.58%

Local Beer (0.5 liter bottle)

$3.95 $3.95

$2.35 CA$3.29

68.09%

Imported Beer (0.33 liter bottle)

$2.90 CA$4.06

One-way Ticket (Public Transport)

$2.61 CA$3.66

Public Transport Monthly Pass (Regular Price)

$78.5 CA$110

Taxi Start (Normal Tariff)

$3.17 CA$4.45

Taxi (Normal Tariff) (1km)

$1.49 CA$2.09

Taxi 1hour Waiting (Normal Tariff)

$33.49 CA$46.94

Gasoline (1 liter)

$1.36 CA$1.91

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

$28.0K CA$39.3K

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

$21.1K CA$29.6K

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

$98.7 $98.7

$77.6 CA$109

27.18%

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

$102 $102

$35.63 CA$49.94

185.35%

Internet (50+ Mbps, Unlimited Data)

$99.1 $99.1

$43.73 CA$61.3

126.53%

Gym Membership (Monthly)

$30.07 CA$42.16

Tennis Court (1 Hour on Weekend)

$19.97 CA$27.99

Cinema Ticket

$19.62 $19.62

$11.27 CA$15.80

74.09%

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

$522 CA$732

International Primary School, 1 Child (Yearly)

$17.8K CA$24.9K

Jeans (Levis 501 Or Similar)

$59.0 CA$82.7

Summer Dress (H&M, Zara, etc)

$39.01 CA$54.7

Sport Shoes (Adidas, Nike)

$99.8 CA$140

Men's Leather Business Shoes

$110 CA$154

1-bedroom Apartment, City Center (Monthly)

$1,403 $1,403

$1,298 CA$1,820

8.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,262 $1,262

$970 CA$1,360

30.05%

3-bedroom Apartment, City Center (Monthly)

$3,283 $3,283

$2,323 CA$3,257

41.33%

3-bedroom Apartment, Outside City Center (Monthly)

$3,099 $3,099

$1,689 CA$2,368

83.45%

Buy Apartment in City Center (m2)

$5,004 CA$7,014

Buy Apartment Outside City Center (m2)

$10.9K $10.9K

$3,736 CA$5,237

193.04%

Average Monthly Net Salary (After Tax)

$1,619 $1,619

$2,943 CA$4,125

-44.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.51

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

Last update for Tortola: October 31, 2026

Last update for Montreal: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Tortola

–

Montreal

$970 47%

Groceries & Markets

Tortola

–

Montreal

$357 17.3%

Eating Out

Tortola

–

Montreal

$292 14.1%

Monthly Utilities & Internet

Tortola

–

Montreal

$157 7.6%

Clothing & Footwear

Tortola

–

Montreal

$138 6.7%

Getting Around

Tortola

–

Montreal

$100 4.8%

Sport & Entertainment

Tortola

–

Montreal

$53 2.6%

Cost Breakdown

A central one-bedroom costs $1,403 in Tortola versus $1,298 in Montreal. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 82% higher in Montreal, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $82 in Tortola versus $73 in Montreal. Monthly groceries follow the same trend: $491 vs $357 – making Montreal the more affordable choice for daily food spending.

Good to know

🇻🇬 Tortola

🇨🇦 Montreal

🕒 Local time

17:21 5:21 PM

16:21 4:21 PM

1 h behind Tortola

🌤 Weather

👥 Population

8,449

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.895 EUR

1 CAD = 0.713 USD

1 CAD = 0.638 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.895 EUR).

Canadian Dollar exchange rates as of November 6, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.57 CAD (1 CAD = 0.638 EUR).

CAD to USD in detail →

On the map

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Between locations

Tortola Montreal 3,120 km ≈ 4 h 30 min nonstop flight

From you

Tortola
Montreal

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

Tortola vs Montreal: Cost of Living - Frequently Asked Questions

Tortola costs about 19% more than Montreal, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,675 per month in Tortola and $3,100 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,403 in Tortola and $1,298 in Montreal. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Monthly expenses with rent come to $2,450 in Tortola and $2,067 in Montreal. That makes Montreal about 16% cheaper.

Groceries cost about 38% more in Tortola, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $2,450 in Tortola and $2,067 in Montreal. You’ll need shared housing and careful budgeting no matter which city you pick.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.