Last update: Oct 2026

Cost of Living Comparison Between Waterloo, Canada and Yuma, AZ

For one person, living is cheaper in Yuma, AZ: $2,122 a month against $2,234 in Waterloo, rent and utilities included – about $1,300 less a year. Higher rent and utilities in Waterloo outweigh lower spending on other living expenses.

107

Cost of Living Index in Waterloo
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Waterloo Living Index
102

Cost of Living Index in Yuma, AZ
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Yuma, AZ Living Index

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Waterloo

🇨🇦 Canada

$2,234

/mo nomad

Yuma, AZ

🇺🇸 United States

$2,122

/mo nomad

Monthly Cost of Living

How much you'll spend in Waterloo and in Yuma, AZ

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

A single person spends $2,234 per month in Waterloo vs $2,122 in Yuma, AZ, rent included.

Waterloo $2,234
Yuma, AZ $2,122

A couple spends around $3,295 per month in Waterloo vs $3,110 in Yuma, AZ, rent included.

Waterloo $3,295
Yuma, AZ $3,110

A family of three spends $4,356 per month in Waterloo vs $4,098 in Yuma, AZ, rent included.

Waterloo $4,356
Yuma, AZ $4,098

Waterloo costs about 5% more than Yuma, AZ, and outside of rent the biggest gap is in transport.

Both Waterloo and Yuma, AZ sit above the global median – Waterloo by 64%, Yuma, AZ by 56%.

Meal at Budget Restaurant

$17.55 CA$24.63

$13.25 $13.25

32.45%

Three-Course Dinner for Two, Mid-Range

$57.2 CA$80.3

$44.14 $44.14

29.61%

Fast Food Meal (McDonalds, etc)

$10.71 CA$15.04

$9.24 $9.24

15.91%

Cappuccino

$3.18 CA$4.47

$5.61 $5.61

-43.32%

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

$1.95 CA$2.74

$3.06 $3.06

-36.27%

Water (0.33 liter bottle)

$1.24 CA$1.73

$2.44 $2.44

-49.18%

Local Beer (0.5 liter draught)

$5.13 CA$7.20

$5.55 $5.55

-7.57%

Imported Beer (0.33 liter bottle)

$5.76 CA$8.09

$5.64 $5.64

2.13%

Milk (1 liter)

$2.04 CA$2.86

$0.79 $0.79

158.23%

White Bread (500g)

$2.49 CA$3.50

$3.85 $3.85

-35.32%

Rice (white) (1kg)

$2.47 CA$3.46

$3.32 $3.32

-25.60%

Eggs

$2.92 CA$4.10

$3.72 $3.72

-21.51%

Local Cheese (1kg)

$11.35 CA$15.93

$9.21 $9.21

23.24%

Chicken Fillets (1kg)

$15.00 CA$21.05

$9.93 $9.93

51.06%

Beef Round Steak (1kg)

$16.02 CA$22.49

$14.94 $14.94

7.23%

Apples (1kg)

$3.46 CA$4.85

$5.45 $5.45

-36.51%

Banana (1kg)

$1.29 CA$1.82

$1.81 $1.81

-28.73%

Oranges (1kg)

$3.19 CA$4.48

$4.20 $4.20

-24.05%

Tomato (1kg)

$3.42 CA$4.80

$2.74 $2.74

24.82%

Potato (1kg)

$1.39 CA$1.95

$3.33 $3.33

-58.26%

Onion (1kg)

$1.92 CA$2.70

$3.13 $3.13

-38.66%

Lettuce (1 head)

$1.66 CA$2.33

$1.42 $1.42

16.90%

Water (1.5 liter bottle)

$1.22 CA$1.71

$1.60 $1.60

-23.75%

Cigarettes 20 Pack (Marlboro, Camel)

$12.80 CA$17.96

$11.01 $11.01

16.26%

Wine (Bottle)

$9.80 CA$13.75

$14.04 $14.04

-30.20%

Local Beer (0.5 liter bottle)

$2.61 CA$3.66

$1.71 $1.71

52.63%

Imported Beer (0.33 liter bottle)

$2.69 CA$3.78

$3.01 $3.01

-10.63%

One-way Ticket (Public Transport)

$2.88 CA$4.04

$1.94 $1.94

48.45%

Public Transport Monthly Pass (Regular Price)

$75.6 CA$106

$47.24 $47.24

60.08%

Taxi Start (Normal Tariff)

$2.47 CA$3.46

$2.77 $2.77

-10.83%

Taxi (Normal Tariff) (1km)

$1.81 CA$2.55

$1.40 $1.40

29.29%

Taxi 1hour Waiting (Normal Tariff)

$28.17 CA$39.54

$32.85 $32.85

-14.25%

Gasoline (1 liter)

$1.19 CA$1.68

$1.10 $1.10

8.18%

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

$26.9K CA$37.8K

$24.1K $24.1K

11.86%

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

$20.6K CA$28.9K

$24.9K $24.9K

-17.27%

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

$147 CA$206

$221 $221

-33.81%

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

$27.82 CA$39.04

$53.4 $53.4

-47.90%

Internet (50+ Mbps, Unlimited Data)

$42.76 CA$60.0

$67.3 $67.3

-36.44%

Gym Membership (Monthly)

$33.77 CA$47.40

$33.62 $33.62

0.45%

Tennis Court (1 Hour on Weekend)

$19.23 CA$26.98

$14.95 $14.95

28.63%

Cinema Ticket

$10.90 CA$15.29

$10.87 $10.87

0.28%

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

$444 CA$623

$999 $999

-55.55%

International Primary School, 1 Child (Yearly)

$15.7K CA$22.0K

$23.4K $23.4K

-32.99%

Jeans (Levis 501 Or Similar)

$64.4 CA$90.4

$53.4 $53.4

20.75%

Summer Dress (H&M, Zara, etc)

$32.79 CA$46.02

$46.76 $46.76

-29.88%

Sport Shoes (Adidas, Nike)

$81.9 CA$115

$71.8 $71.8

14.06%

Men's Leather Business Shoes

$76.6 CA$108

$71.5 $71.5

7.13%

1-bedroom Apartment, City Center (Monthly)

$1,443 CA$2,025

$1,006 $1,006

43.35%

1-bedroom Apartment, Outside City Center (Monthly)

$1,141 CA$1,601

$939 $939

21.50%

3-bedroom Apartment, City Center (Monthly)

$2,161 CA$3,032

$1,745 $1,745

23.82%

3-bedroom Apartment, Outside City Center (Monthly)

$1,905 CA$2,673

$1,655 $1,655

15.08%

Buy Apartment in City Center (m2)

$5,280 CA$7,410

$2,441 $2,441

116.30%

Buy Apartment Outside City Center (m2)

$4,609 CA$6,469

$2,449 $2,449

88.23%

Average Monthly Net Salary (After Tax)

$3,129 CA$4,391

$3,678 $3,678

-14.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.22

6.63

-21.27%

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

Last update for Waterloo: October 27, 2026

Last update for Yuma, AZ: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Waterloo

$1.1K 51.1%

Yuma, AZ

$939 44.3% 17.7% $202

Groceries & Markets

Waterloo

$346 15.5%

Yuma, AZ

$349 16.5% 0.8% $2.7

Eating Out

Waterloo

$261 11.7%

Yuma, AZ

$262 12.4% 0.5% $1.4

Monthly Utilities & Internet

Waterloo

$217 9.7%

Yuma, AZ

$342 16.1% 57.5% $125

Clothing & Footwear

Waterloo

$115 5.2%

Yuma, AZ

$110 5.2% 4.8% $5.5

Getting Around

Waterloo

$99 4.4%

Yuma, AZ

$65 3.1% 34.4% $34

Sport & Entertainment

Waterloo

$56 2.5%

Yuma, AZ

$55 2.6% 0.4% $0.2

Cost Breakdown

A central one-bedroom costs $1,443 in Waterloo versus $1,006 in Yuma, AZ. 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 18% higher in Yuma, AZ, 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 $57 in Waterloo versus $44 in Yuma, AZ. Groceries tell a different story – $346 in Waterloo vs $349 in Yuma, AZ – so Waterloo wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Waterloo

🇺🇸 Yuma, AZ

🕒 Local time

13:41 1:41 PM

10:41 10:41 AM

3 h behind Waterloo

🌤 Weather

👥 Population

121,436

93,064

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

1 USD = 0.898 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 EUR).

United States Dollar exchange rates as of October 28, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Waterloo Yuma, AZ 3,190 km ≈ 4 h 30 min nonstop flight

From you

Waterloo
Yuma, AZ

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

Waterloo vs Yuma, AZ: Cost of Living - Frequently Asked Questions

Yes – Waterloo is pricier by about 5%, and outside of rent the gap shows up most in transport.

For a comfortable life, plan on about $3,352 per month in Waterloo and $3,183 in Yuma, AZ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Yuma, AZ, especially for central apartments: a one-bedroom in the center costs $1,006 there versus $1,443 in Waterloo.

A mid-range dinner for two costs $57 in Waterloo and $44 in Yuma, AZ. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Public transport costs about 38% less in Yuma, AZ. For daily commuters, that gap adds up to noticeable savings over a year.

$3,000 covers both cities comfortably – all-in costs are $2,234 in Waterloo and $2,122 in Yuma, AZ, leaving budget for savings and extras in both cases.