Cost of Living Comparison Between Waterloo and Toronto Cost of Living Comparison Between Waterloo and Toronto

🙂 Solo nomad: Waterloo is 15.8% cheaper than Toronto without rent, and 11.4% cheaper with rent.

🙂 Family of 3: Waterloo is 15.4% cheaper than Toronto without rent, and 14.1% cheaper with rent.

Meal at Budget Restaurant

$14.60 CA$20.30

$18.97 CA$26.37

-23.04%

Three-Course Dinner for Two, Mid-Range

$66.1 CA$91.9

$82.9 CA$115

-20.20%

Fast Food Meal (McDonalds, etc)

$9.44 CA$13.12

$11.12 CA$15.45

-15.11%

Cappuccino

$2.98 CA$4.15

$3.98 CA$5.54

-25.13%

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

$1.56 CA$2.16

$2.11 CA$2.93

-26.07%

Water (0.33 liter bottle)

$1.60 CA$2.22

$1.70 CA$2.37

-5.88%

Local Beer (0.5 liter draught)

$5.49 CA$7.63

$5.84 CA$8.12

-5.99%

Imported Beer (0.33 liter bottle)

$6.47 CA$8.99

$6.64 CA$9.23

-2.56%

Milk (1 liter)

$2.24 CA$3.12

$2.80 CA$3.89

-20.00%

White Bread (500g)

$2.35 CA$3.27

$2.87 CA$3.99

-18.12%

Rice (white) (1kg)

$2.69 CA$3.74

$3.68 CA$5.12

-26.90%

Eggs

$3.08 CA$4.28

$3.47 CA$4.82

-11.24%

Local Cheese (1kg)

$8.27 CA$11.50

$13.62 CA$18.93

-39.28%

Chicken Fillets (1kg)

$16.13 CA$22.42

$13.03 CA$18.11

23.79%

Beef Round Steak (1kg)

$14.13 CA$19.64

$16.98 CA$23.60

-16.78%

Apples (1kg)

$3.99 CA$5.54

$4.07 CA$5.65

-1.97%

Banana (1kg)

$1.22 CA$1.70

$1.18 CA$1.64

3.39%

Oranges (1kg)

$3.29 CA$4.57

$3.35 CA$4.65

-1.79%

Tomato (1kg)

$3.66 CA$5.09

$3.98 CA$5.53

-8.04%

Potato (1kg)

$2.38 CA$3.31

$2.42 CA$3.37

-1.65%

Onion (1kg)

$2.72 CA$3.78

$2.90 CA$4.03

-6.21%

Lettuce (1 head)

$1.93 CA$2.68

$2.45 CA$3.40

-21.22%

Water (1.5 liter bottle)

$1.60 CA$2.22

$1.97 CA$2.75

-18.78%

Cigarettes 20 Pack (Marlboro, Camel)

$14.09 CA$19.58

$14.49 CA$20.13

-2.76%

Wine (Bottle)

$10.78 CA$14.99

$13.12 CA$18.23

-17.84%

Local Beer (0.5 liter bottle)

$2.41 CA$3.36

$2.77 CA$3.86

-13.00%

Imported Beer (0.33 liter bottle)

$3.29 CA$4.57

$3.28 CA$4.56

0.30%

One-way Ticket (Public Transport)

$2.78 CA$3.87

$2.50 CA$3.48

11.20%

Public Transport Monthly Pass (Regular Price)

$67.9 CA$94.4

$117 CA$162

-41.79%

Taxi Start (Normal Tariff)

$2.62 CA$3.64

$3.78 CA$5.25

-30.69%

Taxi (Normal Tariff) (1km)

$1.74 CA$2.42

$1.35 CA$1.88

28.89%

Taxi 1hour Waiting (Normal Tariff)

$29.66 CA$41.23

$25.68 CA$35.70

15.50%

Gasoline (1 liter)

$1.11 CA$1.54

$1.14 CA$1.59

-2.63%

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

$25.1K CA$34.9K

0.14%

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

$20.0K CA$27.8K

$21.4K CA$29.8K

-6.53%

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

$181 CA$251

$120 CA$166

51.11%

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

$37.07 CA$51.5

$36.86 CA$51.2

0.57%

Internet (50+ Mbps, Unlimited Data)

$55.0 CA$76.5

$54.2 CA$75.4

1.46%

Gym Membership (Monthly)

$39.04 CA$54.3

$56.5 CA$78.5

-30.89%

Tennis Court (1 Hour on Weekend)

$15.23 CA$21.17

$21.02 CA$29.22

-27.55%

Cinema Ticket

$11.91 CA$16.56

$11.59 CA$16.11

2.76%

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

$562 CA$781

$1,134 CA$1,576

-50.48%

International Primary School, 1 Child (Yearly)

$10.2K CA$14.2K

$18.4K CA$25.6K

-44.53%

Jeans (Levis 501 Or Similar)

$53.2 CA$74.0

$57.0 CA$79.2

-6.60%

Summer Dress (H&M, Zara, etc)

$25.92 CA$36.03

$38.93 CA$54.1

-33.42%

Sport Shoes (Adidas, Nike)

$69.1 CA$96.1

$89.6 CA$124

-22.83%

Men's Leather Business Shoes

$87.0 CA$121

$116 CA$161

-25.08%

1-bedroom Apartment, City Center (Monthly)

$1,432 CA$1,990

$1,819 CA$2,528

-21.27%

1-bedroom Apartment, Outside City Center (Monthly)

$1,285 CA$1,786

$1,529 CA$2,125

-15.95%

3-bedroom Apartment, City Center (Monthly)

$2,346 CA$3,261

$2,993 CA$4,160

-21.60%

3-bedroom Apartment, Outside City Center (Monthly)

$2,059 CA$2,862

$2,444 CA$3,397

-15.75%

Buy Apartment in City Center (m2)

$5,273 CA$7,329

$8,696 CA$12.1K

-39.37%

Buy Apartment Outside City Center (m2)

$5,012 CA$6,966

$6,744 CA$9,374

-25.68%

Average Monthly Net Salary (After Tax)

$3,134 CA$4,357

$3,628 CA$5,043

-13.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.71

5.16

30.04%

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

Last update for Waterloo: January 12, 2026

Last update for Toronto: January 13, 2026

City Median Internet Speeds Comparison (Updated December 2025)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

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