Cost of Living Comparison Between Whitby, ON and Montreal Cost of Living Comparison Between Whitby, ON and Montreal

Monthly Cost of Living

A single person spends $3,037 per month in Whitby, ON vs $2,046 in Montreal, rent included.

A couple spends around $4,005 per month in Whitby, ON vs $3,169 in Montreal, rent included.

A family of three spends $4,973 per month in Whitby, ON vs $4,292 in Montreal, rent included.

Whitby, ON costs about 48% more than Montreal, driven mainly by Monthly Utilities & Internet.

Both Whitby, ON and Montreal sit above the global median – Whitby, ON by 128%, Montreal by 54%.

Meal at Budget Restaurant

$15.90 CA$22.26

$16.35 CA$22.89

-2.75%

Three-Course Dinner for Two, Mid-Range

$72.6 CA$102

$73.4 CA$103

-1.13%

Fast Food Meal (McDonalds, etc)

$10.35 CA$14.48

$11.11 CA$15.56

-6.84%

Cappuccino

$3.48 CA$4.88

$3.81 CA$5.33

-8.66%

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

$2.03 CA$2.84

$2.06 CA$2.89

-1.46%

Water (0.33 liter bottle)

$1.63 CA$2.28

$1.45 CA$2.03

12.41%

Local Beer (0.5 liter draught)

$6.00 CA$8.39

$6.01 CA$8.42

-0.17%

Imported Beer (0.33 liter bottle)

$6.20 CA$8.68

$6.51 CA$9.12

-4.76%

Milk (1 liter)

$2.60 CA$3.64

$2.32 CA$3.24

12.07%

White Bread (500g)

$2.64 CA$3.70

$3.22 CA$4.51

-18.01%

Rice (white) (1kg)

$4.45 CA$6.22

$3.79 CA$5.31

17.41%

Eggs

$3.40 CA$4.75

$3.30 CA$4.62

3.03%

Local Cheese (1kg)

$12.44 CA$17.41

$16.14 CA$22.59

-22.92%

Chicken Fillets (1kg)

$8.92 CA$12.48

$11.50 CA$16.10

-22.43%

Beef Round Steak (1kg)

$8.62 CA$12.06

$15.69 CA$21.96

-45.06%

Apples (1kg)

$3.60 CA$5.03

$3.68 CA$5.14

-2.17%

Banana (1kg)

$2.07 CA$2.90

$1.63 CA$2.27

26.99%

Oranges (1kg)

$4.01 CA$5.61

$4.06 CA$5.69

-1.23%

Tomato (1kg)

$4.89 CA$6.84

$4.29 CA$6.00

13.99%

Potato (1kg)

$4.40 CA$6.15

$2.64 CA$3.70

66.67%

Onion (1kg)

$3.29 CA$4.61

$2.67 CA$3.74

23.22%

Lettuce (1 head)

$2.86 CA$4.01

$2.19 CA$3.06

30.59%

Water (1.5 liter bottle)

$1.51 CA$2.11

$1.72 CA$2.41

-12.21%

Cigarettes 20 Pack (Marlboro, Camel)

$14.45 CA$20.23

$13.17 CA$18.44

9.72%

Wine (Bottle)

$12.66 CA$17.71

$10.66 CA$14.93

18.76%

Local Beer (0.5 liter bottle)

$3.09 CA$4.32

$3.08 CA$4.31

0.32%

Imported Beer (0.33 liter bottle)

$3.03 CA$4.24

$3.56 CA$4.98

-14.89%

One-way Ticket (Public Transport)

$3.00 CA$4.21

$2.80 CA$3.91

7.14%

Public Transport Monthly Pass (Regular Price)

$89.2 CA$125

$73.5 CA$103

21.35%

Taxi Start (Normal Tariff)

$3.07 CA$4.29

$3.62 CA$5.07

-15.19%

Taxi (Normal Tariff) (1km)

$2.86 CA$4.01

$1.38 CA$1.93

107.25%

Taxi 1hour Waiting (Normal Tariff)

$22.25 CA$31.14

$33.30 CA$46.60

-33.18%

Gasoline (1 liter)

$1.16 CA$1.62

$1.17 CA$1.64

-0.85%

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

$24.7K CA$34.6K

$25.2K CA$35.3K

-2.14%

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

$22.1K CA$30.9K

$22.0K CA$30.8K

0.44%

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

$137 CA$191

$73.9 CA$103

85.20%

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

$54.8 CA$76.7

$35.79 CA$50.1

53.06%

Internet (50+ Mbps, Unlimited Data)

$65.1 CA$91.1

$43.99 CA$61.6

47.94%

Gym Membership (Monthly)

$37.53 CA$52.5

$42.72 CA$59.8

-12.15%

Tennis Court (1 Hour on Weekend)

$16.95 CA$23.72

Cinema Ticket

$9.58 CA$13.40

$11.00 CA$15.40

-12.91%

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

$1,101 CA$1,541

$608 CA$851

81.17%

International Primary School, 1 Child (Yearly)

$18.8K CA$26.3K

$5,898 CA$8,254

218.18%

Jeans (Levis 501 Or Similar)

$59.4 CA$83.1

$61.1 CA$85.5

-2.83%

Summer Dress (H&M, Zara, etc)

$59.4 CA$83.2

$44.70 CA$62.6

32.98%

Sport Shoes (Adidas, Nike)

$77.8 CA$109

$103 CA$144

-24.27%

Men's Leather Business Shoes

$156 CA$218

$121 CA$170

28.48%

1-bedroom Apartment, City Center (Monthly)

$1,842 CA$2,579

$1,186 CA$1,660

55.32%

1-bedroom Apartment, Outside City Center (Monthly)

$1,863 CA$2,608

$949 CA$1,328

96.43%

3-bedroom Apartment, City Center (Monthly)

$2,410 CA$3,373

$2,076 CA$2,905

16.09%

3-bedroom Apartment, Outside City Center (Monthly)

$2,320 CA$3,247

$1,581 CA$2,213

46.71%

Buy Apartment in City Center (m2)

$7,575 CA$10.6K

$5,063 CA$7,086

49.60%

Buy Apartment Outside City Center (m2)

$5,058 CA$7,079

$3,826 CA$5,355

32.20%

Average Monthly Net Salary (After Tax)

$3,067 CA$4,292

$2,904 CA$4,065

5.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.4

5.01

27.74%

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

Last update for Whitby, ON: June 15, 2026

Last update for Montreal: June 13, 2026

Cost Breakdown

A central one-bedroom costs $1,842 in Whitby, ON versus $1,186 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 6% 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 $73.0 in Whitby, ON versus $73.0 in Montreal. Monthly groceries follow the same trend: $359 vs $389 – making Whitby, ON the more affordable choice for daily food spending.

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 48% more than Montreal, with the gap driven mainly by Monthly Utilities & Internet. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,556 per month in Whitby, ON and $3,070 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Interestingly, groceries are about 8% cheaper in Whitby, ON – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $73.0 in Whitby, ON and $73.0 in Montreal. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Montreal, where all-in costs run around $2,046, than in Whitby, ON at $3,037. In Montreal it covers expenses comfortably, while in Whitby, ON it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Montreal costs $2,046 versus $3,037 in Whitby, ON. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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