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

🙂 Solo nomad: Waterloo is 16.8% cheaper than Toronto without rent, and 12.5% cheaper with rent.

🙂 Family of 3: Waterloo is 15.6% cheaper than Toronto without rent, and 12.2% cheaper with rent.

Meal at Budget Restaurant

$14.98 CA$20.39

$18.44 CA$25.1

-18.76%

Three-Course Dinner for Two, Mid-Range

$66.9 CA$91

$83.7 CA$114

-20.06%

Fast Food Meal (McDonalds, etc)

$9.83 CA$13.38

$11.24 CA$15.3

-12.54%

Cappuccino

$3.11 CA$4.24

$3.93 CA$5.34

-20.87%

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

$1.57 CA$2.14

$2.15 CA$2.93

-26.98%

Water (0.33 liter bottle)

$1.62 CA$2.21

$1.69 CA$2.3

-4.14%

Local Beer (0.5 liter draught)

$5.55 CA$7.55

$5.95 CA$8.1

-6.72%

Imported Beer (0.33 liter bottle)

$6.75 CA$9.18

$6.8 CA$9.25

-0.74%

Milk (1 liter)

$2.16 CA$2.94

$2.71 CA$3.68

-20.30%

White Bread (500g)

$2.23 CA$3.04

$2.72 CA$3.7

-18.01%

Rice (white) (1kg)

$2.55 CA$3.47

$3.64 CA$4.96

-29.95%

Eggs

$3.03 CA$4.12

$3.49 CA$4.75

-13.18%

Local Cheese (1kg)

$8.23 CA$11.2

$13.31 CA$18.12

-38.17%

Chicken Fillets (1kg)

$16.56 CA$22.54

$12.9 CA$17.56

28.37%

Beef Round Steak (1kg)

$14.16 CA$19.27

$16.93 CA$23.05

-16.36%

Apples (1kg)

$4.15 CA$5.65

$3.97 CA$5.41

4.53%

Banana (1kg)

$1.18 CA$1.61

$1.13 CA$1.54

4.42%

Oranges (1kg)

$3.22 CA$4.39

$3.39 CA$4.61

-5.01%

Tomato (1kg)

$3.78 CA$5.14

$4.07 CA$5.54

-7.13%

Potato (1kg)

$2.28 CA$3.1

$2.42 CA$3.29

-5.79%

Onion (1kg)

$2.84 CA$3.87

$2.89 CA$3.93

-1.73%

Lettuce (1 head)

$1.95 CA$2.65

$2.36 CA$3.21

-17.37%

Water (1.5 liter bottle)

$1.61 CA$2.19

$1.98 CA$2.7

-18.69%

Cigarettes 20 Pack (Marlboro, Camel)

$14.19 CA$19.32

$14.81 CA$20.16

-4.19%

Wine (Bottle)

$10.91 CA$14.85

$12.68 CA$17.26

-13.96%

Local Beer (0.5 liter bottle)

$2.49 CA$3.39

$2.77 CA$3.77

-10.11%

Imported Beer (0.33 liter bottle)

$3.33 CA$4.54

$3.16 CA$4.3

5.38%

One-way Ticket (Public Transport)

$2.79 CA$3.8

$2.53 CA$3.44

10.28%

Public Transport Monthly Pass (Regular Price)

$69.5 CA$94.6

$116 CA$158

-40.16%

Taxi Start (Normal Tariff)

$2.64 CA$3.6

$3.73 CA$5.08

-29.22%

Taxi (Normal Tariff) (1km)

$1.68 CA$2.29

$1.34 CA$1.82

25.37%

Taxi 1hour Waiting (Normal Tariff)

$29.07 CA$39.57

$26.03 CA$35.44

11.68%

Gasoline (1 liter)

$1.16 CA$1.58

$1.15 CA$1.57

0.87%

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

$25.3K CA$34.4K

$24.9K CA$33.8K

1.72%

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

$19.6K CA$26.7K

$21.1K CA$28.7K

-6.96%

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

$186 CA$254

$118 CA$160

58.39%

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

$37.08 CA$50.5

$38.04 CA$51.8

-2.52%

Internet (50+ Mbps, Unlimited Data)

$54 CA$73.5

$53.4 CA$72.7

1.09%

Gym Membership (Monthly)

$39.11 CA$53.2

$57.2 CA$77.8

-31.59%

Tennis Court (1 Hour on Weekend)

$15.74 CA$21.43

$20.67 CA$28.13

-23.85%

Cinema Ticket

$12.04 CA$16.38

$11.92 CA$16.23

1.01%

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

$566 CA$770

$1,155 CA$1,572

-51.02%

International Primary School, 1 Child (Yearly)

$10.2K CA$13.9K

$17.9K CA$24.4K

-43.05%

Jeans (Levis 501 Or Similar)

$53.2 CA$72.5

$58.6 CA$79.8

-9.19%

Summer Dress (H&M, Zara, etc)

$25.85 CA$35.19

$39.24 CA$53.4

-34.12%

Sport Shoes (Adidas, Nike)

$70.9 CA$96.5

$88.1 CA$120

-19.56%

Men's Leather Business Shoes

$87.2 CA$119

$114 CA$155

-23.56%

1-bedroom Apartment, City Center (Monthly)

$1,426 CA$1,941

$1,805 CA$2,456

-20.99%

1-bedroom Apartment, Outside City Center (Monthly)

$1,251 CA$1,703

$1,522 CA$2,072

-17.81%

3-bedroom Apartment, City Center (Monthly)

$2,344 CA$3,191

$2,963 CA$4,033

-20.88%

3-bedroom Apartment, Outside City Center (Monthly)

$2,068 CA$2,815

$2,466 CA$3,357

-16.14%

Buy Apartment in City Center (m2)

$5,623 CA$7,654

$8,787 CA$12K

-36.01%

Buy Apartment Outside City Center (m2)

$4,343 CA$5,912

$7,087 CA$9,646

-38.71%

Average Monthly Net Salary (After Tax)

$3,028 CA$4,122

$3,391 CA$4,616

-10.71%

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: October 28, 2025

Last update for Toronto: October 29, 2025

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