Last update: Oct 2026

Cost of Living Comparison Between Whitby, ON and Montreal

For one person, living is cheaper in Montreal: $2,064 a month against $2,856 in Whitby, ON, rent and utilities included – about $9,500 less a year. Rent and utilities account for most of the difference.

138

Cost of Living Index in Whitby, ON
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Whitby, ON Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Whitby, ON

🇨🇦 Canada

$2,856

/mo nomad

Montreal

🇨🇦 Canada

$2,064

/mo nomad

Monthly Cost of Living

How much you'll spend in Whitby, ON and in Montreal

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

A single person spends $2,856 per month in Whitby, ON vs $2,064 in Montreal, rent included.

Whitby, ON $2,856
Montreal $2,064

A couple spends around $3,892 per month in Whitby, ON vs $3,156 in Montreal, rent included.

Whitby, ON $3,892
Montreal $3,156

A family of three spends $4,928 per month in Whitby, ON vs $4,247 in Montreal, rent included.

Whitby, ON $4,928
Montreal $4,247

Whitby, ON costs about 38% more than Montreal, and outside of rent the biggest gap is in groceries.

Both Whitby, ON and Montreal sit above the global median – Whitby, ON by 110%, Montreal by 52%.

Meal at Budget Restaurant

$14.00 CA$19.57

$18.98 CA$26.53

-26.24%

Three-Course Dinner for Two, Mid-Range

$71.9 CA$100

$73.0 CA$102

-1.49%

Fast Food Meal (McDonalds, etc)

$8.57 CA$11.98

$10.88 CA$15.20

-21.23%

Cappuccino

$3.52 CA$4.92

$3.81 CA$5.33

-7.61%

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

$2.11 CA$2.95

$1.94 CA$2.71

8.76%

Water (0.33 liter bottle)

$1.39 CA$1.95

$1.58 CA$2.21

-12.03%

Local Beer (0.5 liter draught)

$5.79 CA$8.09

$6.37 CA$8.90

-9.11%

Imported Beer (0.33 liter bottle)

$6.44 CA$9.00

$7.26 CA$10.15

-11.29%

Milk (1 liter)

$2.58 CA$3.61

$2.23 CA$3.11

15.70%

White Bread (500g)

$2.82 CA$3.94

$3.17 CA$4.44

-11.04%

Rice (white) (1kg)

$4.24 CA$5.92

$3.31 CA$4.62

28.10%

Eggs

$4.34 CA$6.07

$3.63 CA$5.07

19.56%

Local Cheese (1kg)

$10.12 CA$14.14

$13.16 CA$18.39

-23.10%

Chicken Fillets (1kg)

$11.89 CA$16.62

$11.56 CA$16.15

2.85%

Beef Round Steak (1kg)

$16.40 CA$22.92

$13.71 CA$19.16

19.62%

Apples (1kg)

$4.32 CA$6.04

$3.29 CA$4.60

31.31%

Banana (1kg)

$1.85 CA$2.58

$1.46 CA$2.04

26.71%

Oranges (1kg)

$3.13 CA$4.37

$3.37 CA$4.71

-7.12%

Tomato (1kg)

$3.74 CA$5.22

$3.15 CA$4.40

18.73%

Potato (1kg)

$3.46 CA$4.83

$1.89 CA$2.64

83.07%

Onion (1kg)

$2.73 CA$3.81

$1.79 CA$2.51

52.51%

Lettuce (1 head)

$2.25 CA$3.15

$2.47 CA$3.45

-8.91%

Water (1.5 liter bottle)

$1.74 CA$2.43

$1.58 CA$2.21

10.13%

Cigarettes 20 Pack (Marlboro, Camel)

$14.46 CA$20.21

$11.28 CA$15.77

28.19%

Wine (Bottle)

$12.70 CA$17.74

$10.49 CA$14.66

21.07%

Local Beer (0.5 liter bottle)

$3.59 CA$5.01

$2.34 CA$3.26

53.42%

Imported Beer (0.33 liter bottle)

$3.49 CA$4.88

$2.91 CA$4.07

19.93%

One-way Ticket (Public Transport)

$5.50 CA$7.68

$2.61 CA$3.65

110.73%

Public Transport Monthly Pass (Regular Price)

$85.9 CA$120

$79.1 CA$111

8.52%

Taxi Start (Normal Tariff)

$3.60 CA$5.04

$3.26 CA$4.56

10.43%

Taxi (Normal Tariff) (1km)

$0.73 CA$1.03

$1.44 CA$2.01

-49.31%

Taxi 1hour Waiting (Normal Tariff)

$18.02 CA$25.17

$33.43 CA$46.71

-46.10%

Gasoline (1 liter)

$1.15 CA$1.61

$1.33 CA$1.86

-13.53%

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

$28.2K CA$39.5K

$28.6K CA$40.0K

-1.37%

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

$21.7K CA$30.4K

$21.1K CA$29.5K

3.04%

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

$139 CA$194

$80.1 CA$112

73.21%

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

$38.42 CA$53.7

$34.30 CA$47.93

12.01%

Internet (50+ Mbps, Unlimited Data)

$53.2 CA$74.3

$42.85 CA$59.9

24.15%

Gym Membership (Monthly)

$47.76 CA$66.7

$31.14 CA$43.52

53.37%

Tennis Court (1 Hour on Weekend)

$19.41 CA$27.12

Cinema Ticket

$9.78 CA$13.66

$11.23 CA$15.69

-12.91%

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

$907 CA$1,267

$525 CA$734

72.72%

International Primary School, 1 Child (Yearly)

$16.7K CA$23.3K

$16.3K CA$22.8K

2.12%

Jeans (Levis 501 Or Similar)

$57.9 CA$80.9

$58.0 CA$81.0

-0.19%

Summer Dress (H&M, Zara, etc)

$57.6 CA$80.4

$38.11 CA$53.3

51.04%

Sport Shoes (Adidas, Nike)

$107 CA$149

$93.4 CA$131

14.47%

Men's Leather Business Shoes

$131 CA$183

$110 CA$154

18.90%

1-bedroom Apartment, City Center (Monthly)

$1,773 CA$2,478

$1,285 CA$1,796

38.00%

1-bedroom Apartment, Outside City Center (Monthly)

$1,661 CA$2,320

$977 CA$1,365

70.02%

3-bedroom Apartment, City Center (Monthly)

$2,343 CA$3,274

$2,271 CA$3,173

3.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,212 CA$3,091

$1,665 CA$2,326

32.85%

Buy Apartment in City Center (m2)

$7,548 CA$10.5K

$5,139 CA$7,181

46.88%

Buy Apartment Outside City Center (m2)

$5,092 CA$7,115

$3,834 CA$5,358

32.79%

Average Monthly Net Salary (After Tax)

$3,128 CA$4,371

$3,002 CA$4,195

4.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.26

4.48

17.41%

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

Last update for Whitby, ON: October 26, 2026

Last update for Montreal: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Whitby, ON

$1.7K 58.2%

Montreal

$977 47.3% 41.2% $684

Groceries & Markets

Whitby, ON

$387 13.6%

Montreal

$351 17% 9.3% $36

Eating Out

Whitby, ON

$236 8.3%

Montreal

$291 14.1% 23.3% $55

Monthly Utilities & Internet

Whitby, ON

$230 8.1%

Montreal

$157 7.6% 31.7% $73

Clothing & Footwear

Whitby, ON

$159 5.6%

Montreal

$135 6.5% 15.2% $24

Getting Around

Whitby, ON

$115 4%

Montreal

$100 4.9% 13.1% $15

Sport & Entertainment

Whitby, ON

$67 2.4%

Montreal

$54 2.6% 20.4% $14

Cost Breakdown

A central one-bedroom costs $1,773 in Whitby, ON versus $1,285 in Montreal. 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 4% higher in Whitby, ON, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $72 in Whitby, ON versus $73 in Montreal. Groceries tell a different story – $387 in Whitby, ON vs $351 in Montreal – so Montreal wins on supermarket bills even if dining out costs more.

Good to know

🇨🇦 Whitby, ON

🇨🇦 Montreal

🕒 Local time

09:42 9:42 AM

Same time as Whitby, ON

🌤 Weather

👥 Population

128,377

1,762,949

💱 Currency

Canadian Dollar CAD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

Exchange rates and currency converter

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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

Whitby, ON vs Montreal: Cost of Living - Frequently Asked Questions

Whitby, ON costs about 38% more than Montreal, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,283 per month in Whitby, ON and $3,096 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montreal, especially for central apartments: a one-bedroom in the center costs $1,285 there versus $1,773 in Whitby, ON.

Public transport costs about 8% less in Montreal. For daily commuters, that gap adds up to noticeable savings over a year.

Groceries cost about 10% more in Whitby, ON, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $2,856 in Whitby, ON and $2,064 in Montreal. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Montreal – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Montreal. If higher salaries or specific career opportunities are the priority, Whitby, ON makes more sense. Both are solid long-term options with distinct trade-offs.