Cost Of Living in Ottawa 2025

Average monthly spending for singles, couples, students, and families in Ottawa

Whether you're living in Ottawa or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Expenditure to Income Ratio in Ottawa

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Ottawa is 87% This means that on average, people spend around 87% of their income for living. According to the distribution table, 19% of the population spend approximately 60% to 70% of their income every month.

Individual
79%
Spending-Income-Ratio

---

70%

89%

Couple
85%
Spending-Income-Ratio

---

75%

95%

Family
90%
Spending-Income-Ratio

---

80%

100%

Emergency Funds

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents whether they have an emergency fund and the answers were as follows.

Yes78%

No22%

Based on the survey, 22% of the people living in Ottawa said that they don't have an emergency fund while 78% said that they do.

Singles

The average monthly expense for a single person living in Ottawa is 5,100 CAD. Expenses can range from 720 CAD at the minimum level to 56,000 CAD at the highest end.

Couples

The average monthly spending of couples in Ottawa is 7,400 CAD. Expenditure can range from 1,100 CAD to 68,000 CAD per month.

Families

The average cost of living for families in Ottawa is 8,600 CAD per month. Families spend anywhere from 1,700 CAD to 86,000 CAD.

Students

The average monthly expenditure for students in Ottawa is 3,600 CAD. Students spend from 560 CAD to 40,000 CAD per month.

How do people spend their money in Ottawa?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

People living in Ottawa typically spend from 17% to 36% of their total monthly expenditure on housing with 28% being the average. The average spend on housing is 1,700 CAD with expenditure ranging from 170 CAD to 25,000 CAD. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utility expenditure like electricity, water, and gas in Ottawa ranges from 3% to 10% of total expenses with 6% being the average. The average monthly cost of utilities is 260 CAD with 26 CAD and 3,900 CAD being the upper and lower limits.

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 54 CAD to 8,100 CAD on commuting with 540 CAD being the norm for most people in one month. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 4% or as high as 13%.

The average outlay on groceries in a month in Ottawa is 1,300 CAD. The cost of groceries can range between 130 CAD to 20,000 CAD. People spend on average about 26% on food and groceries with upper and lower bounds of 18% and 32% respectively.

People in Ottawa allocate 3% to 11% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 8%. The range of medical expenses range from 35 CAD to 5,300 CAD with 350 CAD being the norm.

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 21 CAD to 3,200 CAD with 210 CAD being the average. Speaking of percentages, that equates to 3% to 10% of total expenses with an average of 6% for most residents.

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 320 CAD per month with 32 CAD being the minimum spent amount and 4,800 CAD being the maximum.

Debt, loans, and mortgages in Ottawa

Percentage of people who are in debt

According to the survey, 25% of the people in Ottawa have some kind of debt, loan, mortgage, or credit card payments while 75% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Ottawa

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 26% of the people's monthly income in Ottawa goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 2% of the debtors in Ottawa pay 60%+ of their income as debt settlement while 10% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 10% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 12% dedicated 30% to 40% of income for same. Things are looking brighter for 16% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Ottawa

14% of debtors in Ottawa confirm that real estate mortgages constitutes the main part of their outstanding debt while 24% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 24% of people and personal loans rose at 35%. Lastly, student loans are the main source of debt for 3% of debtors in Ottawa.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.

Loan Affordability Index in Ottawa

Besides measuring the loan-to-income ratio, we asked residents how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Financial goals of people in Ottawa

In an attempt to understand the economic situation in Ottawa, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.

Around 6% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 30% said their number one priority is to pay off high-interest debt or loans and improve credit. 7% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 9% reported that their priority is saving for the tuition fees and education costs of their children while 16% choose to buy a home or pay off existing mortgage before other things. 9% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 12% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 8% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Saving Challenges in Ottawa

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Ottawa. Listed below are the answers given by the survey participants.

Around 7% of the people said that their salary is too low to accommodate a portion for savings while 10% said that the high cost of living leaves little room for savings. 19% of the residents said that they are burdened with debt and find it challenging to save money. 10% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 9% blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 7% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 16% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 10% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 4% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Typical saving choices for people in Ottawa

Where do people choose to put their savings?

Retirement, pension plans, and life after work in Ottawa

What does the retirement lifestyle look like in Ottawa and how much retirement savings are required?

Retirement age

The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.

Retirement Income Distribution

We asked residents about their retirement income sources and below are the results.

Retirement Monthly Expenses in Ottawa

Low-cost alternatives in Ottawa

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options62%

Few low-cost options38%

Based on the survey, 62% of the people living in Ottawa have no problem finding low-cost alternatives to support a frugal lifestyle while 38% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Food Prices, Dining Expenses, and Grocery Costs in Ottawa

Prices and cost of goods and services in Ottawa

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

7.3 CAD

15 CAD

24 CAD

MINIMUM

AVERAGE

MAXIMUM

$5.4

$11

$18

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Ottawa is approximatly 15 CAD with meal cost ranging from 7.3 CAD to 24 CAD. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

25 CAD

37 CAD

75 CAD

MINIMUM

AVERAGE

MAXIMUM

$18

$28

$55

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 25 CAD and 75 CAD with 37 CAD being the average price of a plate for one person at a regular restaurant in Ottawa.

Fine dining meal for one price

49 CAD

73 CAD

290 CAD

MINIMUM

AVERAGE

MAXIMUM

$36

$54

$220

The price range of a meal at fine-dining restaurant is 49 CAD to 290 CAD with the average cost being 73 CAD for one person. This is what you would expect to pay a top-tier diner in Ottawa.

Beverage prices, cappuccino, latte etc..

6.2 CAD

9.9 CAD

15 CAD

MINIMUM

AVERAGE

MAXIMUM

$4.6

$7.3

$11

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Ottawa is around 9.9 CAD. Price ranges between 6.2 CAD and 15 CAD depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

5 CAD

6 CAD

7.5 CAD

MINIMUM

AVERAGE

MAXIMUM

$3.7

$4.4

$5.5

The average price of a large bottle of milk in Ottawa is 6 CAD. The maximum what you would pay for milk is 7.5 CAD and the minimum being 5 CAD depending on the brand of milk and other properties.

12 eggs price

3.7 CAD

4.9 CAD

7.3 CAD

MINIMUM

AVERAGE

MAXIMUM

$2.7

$3.6

$5.4

A dozen eggs costs around 4.9 CAD on average with 3.7 CAD and 7.3 CAD being the lower and upper limits respectively.

Fresh whole chicken price

8.5 CAD

11 CAD

16 CAD

MINIMUM

AVERAGE

MAXIMUM

$6.3

$8.1

$11

The price range of a fresh whole chicken in Ottawa is between 8.5 CAD and 16 CAD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 11 CAD.

Pack of beef price

10 CAD

15 CAD

31 CAD

MINIMUM

AVERAGE

MAXIMUM

$7.5

$11

$22

The price of a regular pack of beef or meat is around 15 CAD. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

3.9 CAD

5.3 CAD

7.6 CAD

MINIMUM

AVERAGE

MAXIMUM

$2.9

$3.9

$5.6

A bag of rice in Ottawa costs around 5.3 CAD on average with prices rangeing between 3.9 CAD and 7.6 CAD depending on the brand and quality.

Bag of tomatos price

1.5 CAD

2 CAD

3.7 CAD

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.4

$2.7

A bag of tomatoes costs anywhere from 1.5 CAD to 3.7 CAD. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

2.6 CAD

3.5 CAD

5.7 CAD

MINIMUM

AVERAGE

MAXIMUM

$1.9

$2.5

$4.2

A bag of apples costs 3.5 CAD on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Ottawa is around 27%. This means that people spend 27% of their income on grocery and basic household items. The expenditure can range from 18% to 33% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 770 CAD per month on grocery and food with expenditure fluctuating between 110 CAD and 8,600 CAD depending on location and the type of person. The average cost of food and groceries for a couple is around 980 CAD per month. That number can be get as low as 150 CAD or a high as 9,000 CAD. Families' spending on grocery ranges from 290 CAD to 14,000 CAD with the location, income, and size of the family being the most determinite factors.

Financial Literacy in

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy75%

We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 25% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 75% said that they know about the general principles of personal finance from sources other than their own experience.

Difficulty in Budgeting and Financial Planning

We wanted to understand whether residents of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 21% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 79% said that they have everything under control.

Struggles with finance21%

Easily manages finances79%

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

• 50% for needs and financial obligations

  This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

• 30% for wants and discretionary spending

  This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

• 20% for savings and emergency fund

  This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

How much money can you save in Ottawa every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.

What percentage of people in Ottawa manage to save money from their income every month?

Almost 73% of the surveyed people in Ottawa said that they can save some money at the end of each month while 27% said that aren't saving anything.

Percentage of people saving money by population group in Ottawa

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 14% to 36% of their monthly income is what they can allocate to their savings, with 24% being the average. The amount of money that people can save is approximately 2,400 CAD on average with savings ranging from 240 CAD to 36,000 CAD.

78% of surveyed singles reported some of their income going to savings while 74% of couples said the same. 67% of families confirmed their ability to save money.

How much money do people actually save in Ottawa?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 17% to 38% of their monthly income to savings, with 28% being the average for most singles. The average amount of money that singles are able to save is 2,100 CAD with 240 CAD and 24,000 CAD being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 15% to 37% of their monthly income, with 26% being the average for most couples. The average amount of money that couples can save is 3,100 CAD with 480 CAD and 29,000 CAD being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Ottawa can save anywhere between 13% to 32% of their monthly income, with 21% being the average for most families. The average amount of money that families can put aside is 3,600 CAD with 720 CAD and 36,000 CAD being the minimum and maximum respectively.

Affordable living in Ottawa

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Ottawa?

Around 80% of surveyed residents think that living in Ottawa is affordable with proper budgeting while 20% reported that it is just too expensive and not affordable even with frugality and thriftness.

Housing costs, accommodation, and housing affordability in Ottawa

Rent Cost in Ottawa

Monthly Rent Prices

Studio apartment monthly rent cost

660 CAD

980 CAD

2,600 CAD

MINIMUM

AVERAGE

MAXIMUM

$480

$720

$1,900

1-bedroom apartment monthly rent cost

1,000 CAD

1,600 CAD

4,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$730

$1,200

$2,900

2-bedroom apartment monthly rent cost

1,300 CAD

2,000 CAD

5,400 CAD

MINIMUM

AVERAGE

MAXIMUM

$990

$1,500

$4,000

3-bedroom apartment monthly rent cost

1,600 CAD

2,700 CAD

7,400 CAD

MINIMUM

AVERAGE

MAXIMUM

$1,200

$2,000

$5,500

Furnished apartment monthly rent cost

3,200 CAD

8,000 CAD

16,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$2,300

$5,900

$12,000

Townhouse monthly rent cost

2,600 CAD

3,900 CAD

11,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$1,900

$2,900

$8,300

House monthly rent cost

3,200 CAD

8,000 CAD

16,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$2,400

$5,900

$12,000

Villa monthly rent cost

3,900 CAD

9,800 CAD

16,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$2,900

$7,200

$12,000

The monthly rental cost of a studio apartment in Ottawa ranges between 660 CAD and 2,600 CAD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,000 CAD to 4,000 CAD. Two-bedroom rentals rate ranges between 1,300 CAD and 5,400 CAD per month. The monthly rental for a three-bedroom apartment ranges from 1,600 CAD to 7,400 CAD. The average rent of a townhouse in Ottawa is around 3,900 CAD while house rental costs can be as high as 8,000 CAD per month. Finally, if you want to rent a villa, expect to pay anywhere from 3,900 CAD to 16,000 CAD per month.

Apartment and house prices in Ottawa

Cost of buying a property

Studio apartment price

130,000 CAD

200,000 CAD

400,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$99,000

$150,000

$300,000

1-bedroom apartment price

160,000 CAD

270,000 CAD

1M CAD

MINIMUM

AVERAGE

MAXIMUM

$120,000

$200,000

$750,000

2-bedroom apartment price

260,000 CAD

790,000 CAD

1.6M CAD

MINIMUM

AVERAGE

MAXIMUM

$190,000

$580,000

$1.2M

3-bedroom apartment price

890,000 CAD

1.3M CAD

4M CAD

MINIMUM

AVERAGE

MAXIMUM

$650,000

$980,000

$2.9M

Townhouse price

1.2M CAD

2.7M CAD

10M CAD

MINIMUM

AVERAGE

MAXIMUM

$850,000

$2M

$7.4M

House price

1.4M CAD

8.2M CAD

12M CAD

MINIMUM

AVERAGE

MAXIMUM

$1M

$6M

$8.6M

Villa price

1.6M CAD

9.1M CAD

14M CAD

MINIMUM

AVERAGE

MAXIMUM

$1.2M

$6.7M

$10M

The average price of a studio apartment in Ottawa can range from 130,000 CAD to 400,000 CAD depending on location. One bedroom cost can be anywhere from 160,000 CAD to 1M CAD. A villa can cost you 9.1M CAD on average with prices ranging from 1.6M CAD to 14M CAD.

House / apartment prices to income ratio

Property prices in Ottawa can be x159 to x260 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x159 multiples of the average monthly salary in Ottawa.

Rent to income ratio

The average rent-to-income ratio in Ottawa is around 37%. This means that people pay 37% of their income for rent. Those figures can range from 26% to 48% depending on the salary, location, and type of property.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Ottawa

Energy, electricity, water, gas, internet, and mobile cost in Ottawa

Utility Bill Cost / Electricity + Water + Gas / Individual

40 CAD

280 CAD

3,100 CAD

MINIMUM

AVERAGE

MAXIMUM

$30

$210

$2,300

Utility Bill Cost / Electricity + Water + Gas / Couple

42 CAD

310 CAD

3,500 CAD

MINIMUM

AVERAGE

MAXIMUM

$31

$220

$2,500

Utility Bill Cost / Electricity + Water + Gas / Family

78 CAD

390 CAD

3,900 CAD

MINIMUM

AVERAGE

MAXIMUM

$58

$290

$2,900

Internet and cable cost

38 CAD

75 CAD

100 CAD

MINIMUM

AVERAGE

MAXIMUM

$28

$55

$74

Mobile phone bill and charges

27 CAD

45 CAD

140 CAD

MINIMUM

AVERAGE

MAXIMUM

$20

$33

$99

The average monthly expenditure for individuals on electricty, water, and gas in Ottawa ranges between 40 CAD and 3,100 CAD with average being 280 CAD, meanwhile the expenditure of couples is slightly higher at 310 CAD with 42 CAD and 3,500 CAD being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 390 CAD. The cost of internet and WiFi is unchanged among the three groups and ranges from 38 CAD to 100 CAD with 75 CAD being the average internet bill. Finally, the average monthly mobile charges is around 45 CAD but can range between 27 CAD and 140 CAD depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Ottawa is around 5.4%. This means that people pay 5.4% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.2% to 9.8% depending on salary and location.

Cost of living comparison by city

#1 Richmond

The average cost of living in Richmond is 3,400 CAD, which is 40% less than the country average. Richmond is ranked first in Canada in terms of expendenture and cost of living.

#2 Regina

The average cost of living in Regina is 3,500 CAD, which is 40% less than the country average. Regina is ranked second in Canada in terms of expendenture and cost of living.

#3 Saskatoon

The average cost of living in Saskatoon is 3,700 CAD, which is 40% less than the country average. Saskatoon is ranked third in Canada in terms of expendenture and cost of living.

#4 Gatineau

The average cost of living in Gatineau is 3,800 CAD, which is 40% less than the country average. Gatineau is ranked fourth in Canada in terms of expendenture and cost of living.

#5 Windsor

The average cost of living in Windsor is 3,900 CAD, which is 40% less than the country average. Windsor is ranked fifth in Canada in terms of expendenture and cost of living.

#6 Vaughan

The average cost of living in Vaughan is 4,000 CAD, which is 20% less than the country average. Vaughan is ranked sixth in Canada in terms of expendenture and cost of living.

#7 Halifax

The average cost of living in Halifax is 4,200 CAD, which is 20% less than the country average. Halifax is ranked seventh in Canada in terms of expendenture and cost of living.

#8 Markham

The average cost of living in Markham is 4,300 CAD, which is 20% less than the country average. Markham is ranked eighth in Canada in terms of expendenture and cost of living.

#9 Kitchener

The average cost of living in Kitchener is 4,500 CAD, which is 20% less than the country average. Kitchener is ranked ninth in Canada in terms of expendenture and cost of living.

#10 Surrey

The average cost of living in Surrey is 4,600 CAD, which is 20% less than the country average. Surrey is ranked tenth in Canada in terms of expendenture and cost of living.

#11 Brampton

The average cost of living in Brampton is 4,800 CAD, which is 20% less than the country average. Brampton is ranked eleventh in Canada in terms of expendenture and cost of living.

#12 Hamilton

The average cost of living in Hamilton is 4,900 CAD, which is 20% less than the country average. Hamilton is ranked twelfth in Canada in terms of expendenture and cost of living.

#13 Quebec

The average cost of living in Quebec is 5,100 CAD, which is same as the country average. Quebec is ranked thirteenth in Canada in terms of expendenture and cost of living.

#14 Winnipeg

The average cost of living in Winnipeg is 5,200 CAD, which is same as the country average. Winnipeg is ranked fourteenth in Canada in terms of expendenture and cost of living.

#15 Mississauga

The average cost of living in Mississauga is 5,400 CAD, which is same as the country average. Mississauga is ranked fifteenth in Canada in terms of expendenture and cost of living.

#16 Ottawa

The average cost of living in Ottawa is 5,600 CAD, which is same as the country average. Ottawa is ranked sixteenth in Canada in terms of expendenture and cost of living.

#17 Edmonton

The average cost of living in Edmonton is 5,700 CAD, which is same as the country average. Edmonton is ranked seventeenth in Canada in terms of expendenture and cost of living.

#18 Calgary

The average cost of living in Calgary is 5,900 CAD, which is same as the country average. Calgary is ranked eighteenth in Canada in terms of expendenture and cost of living.

#19 Vancouver

The average cost of living in Vancouver is 6,100 CAD, which is 20% more than the country average. Vancouver is ranked nineteenth in Canada in terms of expendenture and cost of living.

#20 Montreal

The average cost of living in Montreal is 6,300 CAD, which is 20% more than the country average. Montreal is ranked twentyth in Canada in terms of expendenture and cost of living.

#21 Toronto

The average cost of living in Toronto is 6,400 CAD, which is 20% more than the country average. Toronto is ranked twenty-onth in Canada in terms of expendenture and cost of living.