Last update: Oct 2026

Cost of Living Comparison Between Urbana, IL and Toronto

For one person, living is cheaper in Urbana, IL: $1,871 a month against $2,610 in Toronto, rent and utilities included – about $8,900 less a year. Rent and utilities account for most of the difference.

91

Cost of Living Index in Urbana, IL
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Urbana, IL Living Index
126

Cost of Living Index in Toronto
Learn more

Toronto Living Index

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Urbana, IL

🇺🇸 United States

$1,871

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

How much you'll spend in Urbana, IL 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 Urbana, IL and in Toronto actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,871 in Urbana, IL versus $2,610 in Toronto.

Urbana, IL $1,871
Toronto $2,610

Estimated couple costs with rent: $2,123 in Urbana, IL versus $3,727 in Toronto.

Urbana, IL $2,123
Toronto $3,727

Monthly costs for a family of three with rent: $2,374 in Urbana, IL versus $4,844 in Toronto.

Urbana, IL $2,374
Toronto $4,844

Living in Urbana, IL costs roughly 28% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Urbana, IL 38% above, Toronto 93% above.

Meal at Budget Restaurant

$14.83 $14.83

$17.59 CA$24.87

-15.69%

Three-Course Dinner for Two, Mid-Range

$59.0 $59.0

$78.8 CA$111

-25.13%

Fast Food Meal (McDonalds, etc)

$9.95 $9.95

$10.73 CA$15.16

-7.27%

Cappuccino

$4.71 $4.71

$4.09 CA$5.78

15.16%

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

$2.25 $2.25

$2.10 CA$2.97

7.14%

Water (0.33 liter bottle)

$1.77 $1.77

$1.72 CA$2.43

2.91%

Local Beer (0.5 liter draught)

$5.46 $5.46

$6.36 CA$8.99

-14.15%

Imported Beer (0.33 liter bottle)

$5.65 $5.65

$7.08 CA$10.01

-20.20%

Milk (1 liter)

$0.78 $0.78

$2.54 CA$3.59

-69.29%

White Bread (500g)

$3.03 $3.03

$2.72 CA$3.85

11.40%

Rice (white) (1kg)

$3.01 $3.01

$2.18 CA$3.09

38.07%

Eggs

$3.82 $3.82

$3.63 CA$5.13

5.23%

Local Cheese (1kg)

$12.23 $12.23

$9.46 CA$13.37

29.28%

Chicken Fillets (1kg)

$8.95 $8.95

$11.54 CA$16.32

-22.44%

Beef Round Steak (1kg)

$14.14 $14.14

$14.37 CA$20.32

-1.60%

Apples (1kg)

$4.02 $4.02

$3.70 CA$5.23

8.65%

Banana (1kg)

$1.63 $1.63

$1.19 CA$1.68

36.97%

Oranges (1kg)

$3.18 $3.18

$3.46 CA$4.90

-8.09%

Tomato (1kg)

$4.54 $4.54

$4.22 CA$5.97

7.58%

Potato (1kg)

$2.23 $2.23

$1.79 CA$2.52

24.58%

Onion (1kg)

$2.65 $2.65

$1.65 CA$2.33

60.61%

Lettuce (1 head)

$2.30 $2.30

$2.20 CA$3.11

4.55%

Water (1.5 liter bottle)

$1.37 $1.37

$1.26 CA$1.78

8.73%

Cigarettes 20 Pack (Marlboro, Camel)

$12.21 $12.21

$13.97 CA$19.75

-12.60%

Wine (Bottle)

$15.22 $15.22

$14.20 CA$20.07

7.18%

Local Beer (0.5 liter bottle)

$2.08 $2.08

$2.25 CA$3.18

-7.56%

Imported Beer (0.33 liter bottle)

$3.51 $3.51

$2.53 CA$3.58

38.74%

One-way Ticket (Public Transport)

$0.99 $0.99

$2.32 CA$3.28

-57.33%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.03 $3.03

$3.06 CA$4.33

-0.98%

Taxi (Normal Tariff) (1km)

$0.59 $0.59

$1.22 CA$1.72

-51.64%

Taxi 1hour Waiting (Normal Tariff)

$25.08 $25.08

$21.69 CA$30.66

15.63%

Gasoline (1 liter)

$1.16 $1.16

$1.21 CA$1.72

-4.13%

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

$27.7K $27.7K

$26.1K CA$37.0K

5.93%

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

$26.3K $26.3K

$21.1K CA$29.9K

24.47%

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

$242 $242

$120 CA$169

102.00%

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

$44.28 $44.28

$32.21 CA$45.54

37.47%

Internet (50+ Mbps, Unlimited Data)

$60.7 $60.7

$48.88 CA$69.1

24.18%

Gym Membership (Monthly)

$39.34 CA$55.6

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$13.14 $13.14

$12.58 CA$17.79

4.45%

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

$1,003 $1,003

$832 CA$1,176

20.61%

International Primary School, 1 Child (Yearly)

$20.4K $20.4K

$23.6K CA$33.4K

-13.80%

Jeans (Levis 501 Or Similar)

$48.69 $48.69

$52.3 CA$73.9

-6.87%

Summer Dress (H&M, Zara, etc)

$50.8 $50.8

$39.44 CA$55.8

28.75%

Sport Shoes (Adidas, Nike)

$97.7 $97.7

$99.0 CA$140

-1.30%

Men's Leather Business Shoes

$121 $121

$122 CA$172

-1.15%

1-bedroom Apartment, City Center (Monthly)

$866 $866

$1,631 CA$2,306

-46.93%

1-bedroom Apartment, Outside City Center (Monthly)

$746 $746

$1,448 CA$2,048

-48.52%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

Buy Apartment in City Center (m2)

$1,774 $1,774

$8,206 CA$11.6K

-78.38%

Buy Apartment Outside City Center (m2)

$1,732 $1,732

$6,838 CA$9,666

-74.67%

Average Monthly Net Salary (After Tax)

$6,774 $6,774

$3,520 CA$4,976

92.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

4.47

52.57%

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

Last update for Urbana, IL: October 19, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Urbana, IL

$746 39.9%

Toronto

$1.4K 55.5% 94.3% $703

Monthly Utilities & Internet

Urbana, IL

$347 18.5%

Toronto

$201 7.7% 42.1% $146

Groceries & Markets

Urbana, IL

$340 18.2%

Toronto

$343 13.1% 0.9% $2.9

Eating Out

Urbana, IL

$260 13.9%

Toronto

$283 10.9% 9.1% $24

Clothing & Footwear

Urbana, IL

$143 7.6%

Toronto

$141 5.4% 1.6% $2.3

Sport & Entertainment

Urbana, IL

$26 * 1.4%

Toronto

$65 2.5% 145% $38

Getting Around

Urbana, IL

$10 * 0.5%

Toronto

$130 5% 1207% $120

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 $866 in Urbana, IL and $1,631 in Toronto. Housing cost is often the main lever when comparing two cities.

Urbana, IL pays 92% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $59.0 in Urbana, IL vs $79.0 in Toronto for a mid-range dinner for two. Groceries echo the gap at $340 vs $343 per month, with Urbana, IL cheaper across the board.

Good to know

🇺🇸 Urbana, IL

🇨🇦 Toronto

🕒 Local time

13:48 1:48 PM

14:48 2:48 PM

1 h ahead of Urbana, IL

🌤 Weather

👥 Population

41,250

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 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 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

Urbana, IL Toronto 830 km ≈ 1 h 30 min nonstop flight

From you

Urbana, IL
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

Urbana, IL vs Toronto: Cost of Living - Frequently Asked Questions

Urbana, IL is cheaper overall, especially in groceries, eating out, and leisure. The 40% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 92% higher in Urbana, IL, 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: $866 in Urbana, IL versus $1,631 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,003 in Urbana, IL versus $832 in Toronto. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Urbana, IL – a meal for two runs $59.0 versus $79.0 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,871 in Urbana, IL versus $2,610 in Toronto, a $2,000 budget is realistic in Urbana, IL but tight or insufficient in Toronto. The gap between the two cities makes Urbana, IL the clear choice for anyone on this budget.

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 Urbana, IL gentler on the wallet – expenses run 40% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.