Cost of Living in Toronto, 🇨🇦 Canada - For Locals, Nomads, and Tourists

Researched Updated Oct 25, 2026 Last changed Oct 31, 2026 About costs

Cost breakdown

Digital nomad: short-term stay (1-3 months). Furnished Airbnb or coliving near center, coworking, eating out ~3x/day, travel health insurance.

Expat: long-term resident (1+ years). Renting apartment in center, mix of cooking and dining out, local health insurance, settled lifestyle.

Family: middle-class 4-person family. 2-3 bedroom in suburbs, groceries for 4, international school, car/transport, family health plan.

Local: budget-conscious local resident. Renting outside center, cooking at home, public transport, local phone plan.

Tourist: short-stay visitor (1-14 days). Hotel/Airbnb nightly, all meals at restaurants, taxis, sightseeing.

CategoryCost

Housing 1 6 15 $1,943 $1,600 $2,129 $1,255 $155

Utilities 37 24 — $121 $247 $85 —

Internet & Mobile 4 21 $74 $74 $100 $74 $2

Groceries 13 14 $85 $283 $791 $247 $8

Transportation 3 16 17 $158 $283 $565 $122 $25

Dining Out 26 27 38 $1,166 $283 $424 $141 $74

Leisure Activities 18 19 20 $80 $66 $4,313 $43 $25

Health Insurance 7 $63 $57 $170 — $2

Visa & Legal Fees 8 $5 $0 $1 — $1

Total $3,574 $2,767 $8,740 $1,967 $292

Itemized prices

Local prices converted to the selected currency.

Housing

Apartment (1 bedroom) 1 2 $1,482.97 $1,201 – $1,978 per month

Coworking Space 5 $211.25 per month

Airbnb (1 month) 6 1 $1,942.91 $1,335 – $1,996 per month

Coliving Space 1 $671.19 per month

Food & Dining

Coffee 25 $4.26 per cup

Beer 30 15 $5.65 per pint

Meal (Inexpensive) 27 26 $17.30 per meal

Fast Food Combo 28 15 $10.83 per meal

Apples 13 14 $4.57 per kg

Bread 13 14 $2.56 per loaf

Milk 13 14 $2.28 per liter

Rice 13 14 $3.44 per kg

Chicken Fillets 13 14 $10.18 per kg

Beef 13 14 $11.83 per kg

Wine (Mid-range) 29 15 $12.72 per bottle

Meal (Mid-range, 2 people) 38 39 $78.40 per meal

Water (1.5L bottle) 15 13 $1.52 per bottle

Transportation

Taxi Start 16 17 $3.00 per trip

Taxi per km 16 17 $1.24 per km

Monthly Transport Pass 3 $101.03 per month

Gasoline 22 $1.14 per liter

Ride-hailing (5km) 16 17 $9.19 per trip

Scooter Rental 35 23 $19.80 per month

Services

Mobile Plan 4 $24.73 per month

Internet (60 Mbps+) 21 15 $49.46 per month

Gym Membership 18 15 $42.85 per month

Tennis Court (Weekend) 36 $23.46 per hour

SIM Card (Tourist, prepaid) 4 $24.73 one-time

Entertainment

Cinema Ticket 19 15 $13.70 per ticket

Clothing

Jeans 31 15 $53.29 per pair

Summer Dress 32 15 $32.22 per dress

Running Shoes 33 15 $79.48 per pair

Personal Care

Haircut 10 $31.78 per visit

Laundry 12 $0.70 per kg

Healthcare

Doctor Visit (GP) 9 11 $49.46 per visit

Pharmacy (basic meds) 34 15 $10.60 per purchase

About these costs

Method: Researched
Last updated: Oct 25, 2026
Last changed: Oct 31, 2026
Exchange rate: 1 USD = 1.4154 CAD on Oct 16, 2026

Checked against the sources below and compared with similar cities. Numbers in the list point to these sources.

Compared with Calgary, Montreal, Vancouver, Hanoi, London, New York

Zumper Toronto 1-bedroom median CAD 2,099; rooms CAD 950 (Oct 2026)Listings
PadMapper Toronto rental listing hubListings
TTC adult 12-month pass CAD 143/month; single fare CAD 3.30Official
Chatr prepaid CAD 35/month 30 GB with auto-pay (country prep)Official
TCC Canada Toronto full-time hot desk CAD 299/monthListings
Furnished 1BR North York CAD 2,250/monthListings
SafetyWing Essential USD 62.72 per 4 weeksOfficial
eTA fee CAD 7Official
Uninsured walk-in basic visit CAD 70Official
Barberhood Liberty Village haircut from CAD 45Listings
SanoMed uninsured visit minimum CAD 70Official
Soda Laundry self-serve CAD 6 wash + CAD 3 dry per 20 lb loadOfficial
StatCan Table 18-10-0245-01 Canada retail food prices (Aug 2026)Official
StatCan average retail food prices open dataOfficial
Livingcost Toronto dining, taxi, gym, cinema, utilities cross-check (Jun 2026)Index
Toronto Municipal Code Ch. 546 Appendix A taxicab tariffOfficial
City of Toronto — street-hail taxis must use meter from CAD 4.25Official
GoodLife Essential membership from CAD 27.99 biweekly (plus tax)Official
Cineplex Tuesday general admission up to CAD 6.50 onlineOfficial
Toronto French School tuition to CAD 35,380/year (2025–26 band)Official
Rogers Xfinity Starter 100 promo CAD 70/month (Ontario)Secondary
Ontario retail gasoline ~CAD 1.61/L Oct 2026Index
Bird unlock and per-minute pricingOfficial
Numbeo Toronto cross-check rents, utilities, intl school (Oct 2026)Index
Hound House Toronto latte from CAD 5.00 (Queen West)Listings
Tropical Joe's Toronto counter plates CAD 14.50–17.25 (Sep 2025 menu)Listings
Emmer Toronto counter lunch sandwiches CAD 14.75–22.50Listings
Wendy's Canada combo prices (Dave's Single Combo from CAD 13.10)Listings
LCBO Viewpointe Cabernet Merlot 750 mL CAD 13.35Listings
LCBO Molson Canadian beer listing (retail pack pricing)Listings
Old Navy men’s straight jeans CAD 29.99 sale (reg. CAD 49.99)Listings
Old Navy women’s fit-and-flare dress CAD 44.99Listings
Old Navy men’s sneakers typically CAD 39.99–59.99Listings
Shoppers Drug Mart Advil 24-count OTC listingListings
Bird Canada unlock CAD 1.15 + CAD 0.42/min (Ontario pilot tariff)Official
Toronto Municipal Code Ch. 441 — L'Amoreaux tennis non-member winter CAD 21.92/hr non-primeOfficial
Toronto Hydro residential electricity delivery and regulatory charges (2026)Official
Aloette Toronto mains CAD 22–38; prix fixe lunch CAD 25–30Listings
Black+Blue Toronto group lunch menus CAD 48–59 per guestOfficial

Change history

Oct 31, 2026
- Method Generated Researched
- Airbnb (1 month) 3498.95 1942.91
- Apartment (1 bedroom) 2150.4 1482.97
- Apples 4.74 4.57
- Beef 17.49 11.83
- Beer 8.38 5.65
40 more changes
- Bread 3.1 2.56
- Chicken Fillets 13.49 10.18
- Cinema Ticket 13.49 13.7
- Coffee 4.19 4.26
- Coliving Space 1385 671.19
- Coworking Space 400.92 211.25
- Dining Out local 182.24, nomad 1348.55, expat 437.37, family 656.05, tourist 80.18 local 141.3, nomad 1165.73, expat 282.72, family 423.91, tourist 74.19
- Doctor Visit (GP) 87.47 49.46
- Fast Food Combo 12.03 10.83
- Gasoline 1.3 1.14
- Groceries local 328.03, nomad 182.24, expat 473.82, family 1020.53, tourist 0 local 247.28, nomad 84.78, expat 282.72, family 791.3, tourist 8.48
- Gym Membership 54.67 42.85
- Haircut 40.09 31.78
- Health Insurance local 0, nomad 65.61, expat 80.18, family 255.13, tourist 3.64 local 0, nomad 62.72, expat 56.52, family 169.56, tourist 2.09
- Housing local 1530.79, nomad 2770, expat 2004.61, family 3061.58, tourist 174.95 local 1255, nomad 1942.91, expat 1599.96, family 2129.02, tourist 155.43
- Internet & Mobile local 83.83, nomad 69.25, expat 109.34, family 174.95, tourist 5.83 local 74.33, family 100.32, tourist 1.77
- Internet (60 Mbps+) 69.25 49.46
- Jeans 80.18 53.29
- Laundry 6.2 0.7
- Leisure Activities local 109.34, nomad 400.92, expat 291.58, family 546.71, tourist 32.8 local 42.85, nomad 80.01, expat 66.31, family 4312.66, tourist 24.73
- Meal (Inexpensive) 20.41 17.3
- Meal (Mid-range, 2 people) 98.41 78.4
- Milk 4.52 2.28
- Mobile Plan 54.67 24.73
- Monthly Transport Pass 120.28 101.03
- Pharmacy (basic meds) 13.12 10.6
- Rice 4.01 3.44
- Ride-hailing (5km) 16.04 9.19
- Running Shoes 105.7 79.48
- SIM Card (Tourist, prepaid) 32.8 24.73
- Scooter Rental 8.75 19.8
- Summer Dress 47.38 32.22
- Taxi Start 3.64 3
- Taxi per km 1.6 1.24
- Tennis Court (Weekend) 25.51 23.46
- Transportation local 113.72, nomad 160.37, family 473.82, tourist 25.51 local 122.37, nomad 157.55, expat 282.72, family 564.52, tourist 24.73
- Utilities local 120.28, nomad 0, expat 138.5, family 233.26, tourist 0 local 84.78, nomad 0, expat 121.49, family 247.28, tourist 0
- Visa & Legal Fees local 0, nomad 72.89, expat 36.45, family 72.89 local 0, nomad 4.95, expat 0.41, family 0.82, tourist 0.83
- Water (1.5L bottle) 2.15 1.52
- Wine (Mid-range) 16.04 12.72
Beer, Summer Dress, Jeans, Running Shoes, Wine (Mid-range), Fast Food Combo, Pharmacy (basic meds) moved to LCBO, Old Navy, Wendy's PriceListo, and Shoppers listings (no estimate notes; ≤8 estimate cap) (lcbo.com, oldnavy.gapcanada.ca, ca.pricelisto.com, shoppersdrugmart.ca)

Toronto cost of living