Last update: Oct 2026

Cost of Living Comparison Between Tracy, CA and Toronto

For one person, living is cheaper in Tracy, CA: $2,327 a month against $2,561 in Toronto, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Toronto outweigh lower spending on other living expenses.

114

Cost of Living Index in Tracy, CA
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Tracy, CA Living Index
125

Cost of Living Index in Toronto
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Toronto Living Index

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Tracy, CA

🇺🇸 United States

$2,327

/mo nomad

Toronto

🇨🇦 Canada

$2,561

/mo nomad

Monthly Cost of Living

How much you'll spend in Tracy, CA and in Toronto

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

Monthly costs for one person with rent: $2,327 in Tracy, CA versus $2,561 in Toronto.

Tracy, CA $2,327
Toronto $2,561

Estimated couple costs with rent: $2,585 in Tracy, CA versus $3,694 in Toronto.

Tracy, CA $2,585
Toronto $3,694

Monthly costs for a family of three with rent: $2,843 in Tracy, CA versus $4,826 in Toronto.

Tracy, CA $2,843
Toronto $4,826

Living in Tracy, CA costs roughly 9% less than in Toronto, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Tracy, CA 72% above, Toronto 90% above.

Meal at Budget Restaurant

$19.75 $19.75

$17.18 CA$24.29

14.96%

Three-Course Dinner for Two, Mid-Range

$50.9 $50.9

$76.0 CA$107

-33.01%

Fast Food Meal (McDonalds, etc)

$10.10 $10.10

$10.54 CA$14.89

-4.17%

Cappuccino

$4.52 $4.52

$4.02 CA$5.68

12.44%

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

$3.12 $3.12

$2.12 CA$3.00

47.17%

Water (0.33 liter bottle)

$1.81 $1.81

$1.75 CA$2.48

3.43%

Local Beer (0.5 liter draught)

$6.10 $6.10

$6.24 CA$8.83

-2.24%

Imported Beer (0.33 liter bottle)

$7.44 $7.44

$7.09 CA$10.02

4.94%

Milk (1 liter)

$1.34 $1.34

$2.44 CA$3.45

-45.08%

White Bread (500g)

$4.19 $4.19

$2.68 CA$3.78

56.34%

Rice (white) (1kg)

$5.50 $5.50

$2.24 CA$3.17

145.54%

Eggs

$3.42 $3.42

$3.56 CA$5.03

-3.93%

Local Cheese (1kg)

$16.30 $16.30

$9.09 CA$12.85

79.32%

Chicken Fillets (1kg)

$11.11 $11.11

$11.33 CA$16.01

-1.94%

Beef Round Steak (1kg)

$15.47 $15.47

$14.53 CA$20.55

6.47%

Apples (1kg)

$4.45 $4.45

$3.62 CA$5.12

22.93%

Banana (1kg)

$2.26 $2.26

$1.21 CA$1.72

86.78%

Oranges (1kg)

$4.36 $4.36

$3.60 CA$5.09

21.11%

Tomato (1kg)

$4.36 $4.36

$4.21 CA$5.96

3.56%

Potato (1kg)

$2.21 $2.21

$1.79 CA$2.53

23.46%

Onion (1kg)

$3.23 $3.23

$1.59 CA$2.25

103.14%

Lettuce (1 head)

$2.04 $2.04

$2.27 CA$3.21

-10.13%

Water (1.5 liter bottle)

$2.01 $2.01

$1.25 CA$1.77

60.80%

Cigarettes 20 Pack (Marlboro, Camel)

$11.91 $11.91

$13.82 CA$19.53

-13.82%

Wine (Bottle)

$13.06 $13.06

$14.27 CA$20.18

-8.48%

Local Beer (0.5 liter bottle)

$2.10 $2.10

$2.20 CA$3.10

-4.55%

Imported Beer (0.33 liter bottle)

$2.75 $2.75

$2.43 CA$3.44

13.17%

One-way Ticket (Public Transport)

$2.39 CA$3.38

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$111 CA$157

-41.74%

Taxi Start (Normal Tariff)

$2.44 $2.44

$2.91 CA$4.12

-16.15%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$1.20 CA$1.69

54.17%

Taxi 1hour Waiting (Normal Tariff)

$29.48 $29.48

$21.38 CA$30.23

37.89%

Gasoline (1 liter)

$1.45 $1.45

$1.21 CA$1.71

19.83%

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

$37.3K $37.3K

$28.2K CA$39.8K

32.36%

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

$25.8K $25.8K

$20.3K CA$28.6K

27.52%

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

$179 $179

$120 CA$170

48.59%

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

$50.6 $50.6

$32.26 CA$45.60

56.70%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$47.93 CA$67.8

58.00%

Gym Membership (Monthly)

$38.48 CA$54.4

Tennis Court (1 Hour on Weekend)

$22.96 CA$32.46

Cinema Ticket

$14.93 $14.93

$12.38 CA$17.50

20.60%

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

$2,471 $2,471

$830 CA$1,173

197.76%

International Primary School, 1 Child (Yearly)

$35.4K $35.4K

$23.1K CA$32.6K

53.38%

Jeans (Levis 501 Or Similar)

$71.4 $71.4

$50.7 CA$71.7

40.80%

Summer Dress (H&M, Zara, etc)

$72.0 $72.0

$40.02 CA$56.6

79.84%

Sport Shoes (Adidas, Nike)

$95.8 $95.8

$98.0 CA$139

-2.21%

Men's Leather Business Shoes

$233 $233

$121 CA$171

93.07%

1-bedroom Apartment, City Center (Monthly)

$1,775 $1,775

$1,592 CA$2,251

11.47%

1-bedroom Apartment, Outside City Center (Monthly)

$991 $991

$1,410 CA$1,994

-29.72%

3-bedroom Apartment, City Center (Monthly)

$2,670 CA$3,775

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CA$3,042

Buy Apartment in City Center (m2)

$3,758 $3,758

$7,945 CA$11.2K

-52.71%

Buy Apartment Outside City Center (m2)

$6,542 CA$9,249

Average Monthly Net Salary (After Tax)

$5,739 $5,739

$3,727 CA$5,269

53.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

4.47

48.10%

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

Last update for Tracy, CA: October 12, 2026

Last update for Toronto: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tracy, CA

$991 42.6%

Toronto

$1.4K 55.1% 42.3% $419

Groceries & Markets

Tracy, CA

$404 17.4%

Toronto

$340 13.3% 16% $65

Eating Out

Tracy, CA

$308 13.2%

Toronto

$278 10.9% 9.6% $29

Monthly Utilities & Internet

Tracy, CA

$305 13.1%

Toronto

$201 7.8% 34.3% $105

Clothing & Footwear

Tracy, CA

$212 9.1%

Toronto

$139 5.4% 34.5% $73

Getting Around

Tracy, CA

$76 * 3.3%

Toronto

$129 5.1% 69.6% $53

Sport & Entertainment

Tracy, CA

$30 * 1.3%

Toronto

$63 2.5% 112% $33

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,775 in Tracy, CA and $1,592 in Toronto. Housing cost is often the main lever when comparing two cities.

Tracy, CA pays 54% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $51.0 in Tracy, CA vs $76.0 in Toronto. Groceries flip the comparison at $404 vs $340, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Tracy, CA

🇨🇦 Toronto

🕒 Local time

09:01 9:01 AM

12:01 12:01 PM

3 h ahead of Tracy, CA

🌤 Weather

👥 Population

98,337

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 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 October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 18, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

On the map

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Between locations

Tracy, CA Toronto 3,570 km ≈ 5 h nonstop flight

From you

Tracy, CA
Toronto

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

Tracy, CA vs Toronto: Cost of Living - Frequently Asked Questions

Tracy, CA is cheaper overall, especially in transport and leisure. The 10% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 54% higher in Tracy, CA, 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: $1,775 in Tracy, CA versus $1,592 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 19% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Tracy, CA – a meal for two runs $51.0 versus $76.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Tracy, CA 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 Tracy, CA gentler on the wallet – expenses run 10% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.