Cost Of Living in Toronto 2025

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

Whether you're living in Toronto 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.

Affordable living in Toronto

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Toronto?

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

Singles

The average monthly expense for a single person living in Toronto is 5,900 CAD. Expenses can range from 850 CAD at the minimum level to 66,000 CAD at the highest end.

Couples

The average monthly spending of couples in Toronto is 8,800 CAD. Expenditure can range from 1,300 CAD to 81,000 CAD per month.

Families

The average cost of living for families in Toronto is 10,000 CAD per month. Families spend anywhere from 2,100 CAD to 100,000 CAD.

Students

The average monthly expenditure for students in Toronto is 4,100 CAD. Students spend from 640 CAD to 46,000 CAD per month.

How do people spend their money in Toronto?

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

People living in Toronto typically spend from 16% to 35% of their total monthly expenditure on housing with 27% being the average. The average spend on housing is 1,900 CAD with expenditure ranging from 190 CAD to 29,000 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 Toronto ranges from 3% to 10% of total expenses with 6% being the average. The average monthly cost of utilities is 290 CAD with 29 CAD and 4,300 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 61 CAD to 9,200 CAD on commuting with 610 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 Toronto is 1,500 CAD. The cost of groceries can range between 150 CAD to 23,000 CAD. People spend on average about 26% on food and groceries with upper and lower bounds of 18% and 32% respectively.

People in Toronto 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 37 CAD to 5,600 CAD with 370 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 24 CAD to 3,600 CAD with 240 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 360 CAD per month with 36 CAD being the minimum spent amount and 5,400 CAD being the maximum.

Expenditure to Income Ratio in Toronto

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 Toronto is 93% This means that on average, people spend around 93% of their income for living. According to the distribution table, 18% of the population spend approximately 60% to 70% of their income every month.

Individual
86%
Spending-Income-Ratio

---

76%

96%

Couple
93%
Spending-Income-Ratio

---

82%

100%

Family
95%
Spending-Income-Ratio

---

85%

110%

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%

Saving Challenges in Toronto

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Toronto. 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. 17% 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 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Retirement, pension plans, and life after work in Toronto

What does the retirement lifestyle look like in Toronto 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 Toronto

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

Financial goals of people in Toronto

In an attempt to understand the economic situation in Toronto, 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 32% 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 11% 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.

Low-cost alternatives in Toronto

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 Toronto 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.

How much money can you save in Toronto 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 Toronto manage to save money from their income every month?

Almost 77% of the surveyed people in Toronto said that they can save some money at the end of each month while 23% said that aren't saving anything.

Percentage of people saving money by population group in Toronto

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 15% to 39% of their monthly income is what they can allocate to their savings, with 26% being the average. The amount of money that people can save is approximately 2,900 CAD on average with savings ranging from 290 CAD to 43,000 CAD.

82% of surveyed singles reported some of their income going to savings while 80% of couples said the same. 71% of families confirmed their ability to save money.

How much money do people actually save in Toronto?

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 19% to 41% of their monthly income to savings, with 31% being the average for most singles. The average amount of money that singles are able to save is 2,500 CAD with 280 CAD and 28,000 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 17% to 41% of their monthly income, with 29% being the average for most couples. The average amount of money that couples can save is 3,700 CAD with 570 CAD and 34,000 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 Toronto can save anywhere between 13% to 34% of their monthly income, with 22% being the average for most families. The average amount of money that families can put aside is 4,300 CAD with 870 CAD and 43,000 CAD being the minimum and maximum respectively.

Typical saving choices for people in Toronto

Where do people choose to put their savings?

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 Toronto said that they don't have an emergency fund while 78% said that they do.

Debt, loans, and mortgages in Toronto

Percentage of people who are in debt

According to the survey, 25% of the people in Toronto 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 Toronto

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 Toronto goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Toronto pay 60%+ of their income as debt settlement while 11% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 11% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 13% 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 Toronto

14% of debtors in Toronto 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 23% of people and personal loans rose at 36%. Lastly, student loans are the main source of debt for 3% of debtors in Toronto.

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 Toronto

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.

Monthly costs and expenses of energy and basic utilities in Toronto

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

Utility Bill Cost / Electricity + Water + Gas / Individual

44 CAD

310 CAD

3,400 CAD

MINIMUM

AVERAGE

MAXIMUM

$32

$230

$2,500

Utility Bill Cost / Electricity + Water + Gas / Couple

46 CAD

330 CAD

3,800 CAD

MINIMUM

AVERAGE

MAXIMUM

$34

$250

$2,800

Utility Bill Cost / Electricity + Water + Gas / Family

86 CAD

430 CAD

4,300 CAD

MINIMUM

AVERAGE

MAXIMUM

$63

$320

$3,200

Internet and cable cost

41 CAD

83 CAD

110 CAD

MINIMUM

AVERAGE

MAXIMUM

$31

$61

$81

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 Toronto ranges between 44 CAD and 3,400 CAD with average being 310 CAD, meanwhile the expenditure of couples is slightly higher at 330 CAD with 46 CAD and 3,800 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 430 CAD. The cost of internet and WiFi is unchanged among the three groups and ranges from 41 CAD to 110 CAD with 83 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 Toronto is around 5.9%. This means that people pay 5.9% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.4% to 11% depending on salary and location.

Housing costs, accommodation, and housing affordability in Toronto

Rent Cost in Toronto

Monthly Rent Prices

Studio apartment monthly rent cost

760 CAD

1,100 CAD

3,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$560

$840

$2,200

1-bedroom apartment monthly rent cost

1,200 CAD

1,900 CAD

4,700 CAD

MINIMUM

AVERAGE

MAXIMUM

$860

$1,400

$3,400

2-bedroom apartment monthly rent cost

1,600 CAD

2,400 CAD

6,400 CAD

MINIMUM

AVERAGE

MAXIMUM

$1,200

$1,800

$4,700

3-bedroom apartment monthly rent cost

2,000 CAD

3,300 CAD

8,900 CAD

MINIMUM

AVERAGE

MAXIMUM

$1,400

$2,400

$6,600

Furnished apartment monthly rent cost

3,700 CAD

9,300 CAD

19,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$2,700

$6,900

$14,000

Townhouse monthly rent cost

3,100 CAD

4,600 CAD

13,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$2,200

$3,400

$9,600

House monthly rent cost

3,800 CAD

9,400 CAD

19,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$2,800

$6,900

$14,000

Villa monthly rent cost

4,600 CAD

11,000 CAD

18,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$3,400

$8,400

$13,000

The monthly rental cost of a studio apartment in Toronto ranges between 760 CAD and 3,000 CAD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,200 CAD to 4,700 CAD. Two-bedroom rentals rate ranges between 1,600 CAD and 6,400 CAD per month. The monthly rental for a three-bedroom apartment ranges from 2,000 CAD to 8,900 CAD. The average rent of a townhouse in Toronto is around 4,600 CAD while house rental costs can be as high as 9,400 CAD per month. Finally, if you want to rent a villa, expect to pay anywhere from 4,600 CAD to 18,000 CAD per month.

Apartment and house prices in Toronto

Cost of buying a property

Studio apartment price

160,000 CAD

240,000 CAD

480,000 CAD

MINIMUM

AVERAGE

MAXIMUM

$120,000

$180,000

$350,000

1-bedroom apartment price

200,000 CAD

330,000 CAD

1.2M CAD

MINIMUM

AVERAGE

MAXIMUM

$140,000

$240,000

$900,000

2-bedroom apartment price

300,000 CAD

910,000 CAD

1.8M CAD

MINIMUM

AVERAGE

MAXIMUM

$220,000

$670,000

$1.3M

3-bedroom apartment price

1M CAD

1.6M CAD

4.7M CAD

MINIMUM

AVERAGE

MAXIMUM

$760,000

$1.1M

$3.4M

Townhouse price

1.4M CAD

3.2M CAD

12M CAD

MINIMUM

AVERAGE

MAXIMUM

$1M

$2.4M

$8.8M

House price

1.6M CAD

9.8M CAD

14M CAD

MINIMUM

AVERAGE

MAXIMUM

$1.2M

$7.2M

$10M

Villa price

2M CAD

11M CAD

16M CAD

MINIMUM

AVERAGE

MAXIMUM

$1.4M

$8M

$12M

The average price of a studio apartment in Toronto can range from 160,000 CAD to 480,000 CAD depending on location. One bedroom cost can be anywhere from 200,000 CAD to 1.2M CAD. A villa can cost you 11M CAD on average with prices ranging from 2M CAD to 16M CAD.

House / apartment prices to income ratio

Property prices in Toronto can be x185 to x301 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x185 multiples of the average monthly salary in Toronto.

Rent to income ratio

The average rent-to-income ratio in Toronto is around 41%. This means that people pay 41% of their income for rent. Those figures can range from 29% to 53% 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.

Food Prices, Dining Expenses, and Grocery Costs in Toronto

Prices and cost of goods and services in Toronto

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

Fast food combo meal price

7.9 CAD

16 CAD

26 CAD

MINIMUM

AVERAGE

MAXIMUM

$5.8

$12

$19

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Toronto is approximatly 16 CAD with meal cost ranging from 7.9 CAD to 26 CAD. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

28 CAD

41 CAD

83 CAD

MINIMUM

AVERAGE

MAXIMUM

$20

$30

$61

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 28 CAD and 83 CAD with 41 CAD being the average price of a plate for one person at a regular restaurant in Toronto.

Fine dining meal for one price

53 CAD

79 CAD

320 CAD

MINIMUM

AVERAGE

MAXIMUM

$39

$58

$230

The price range of a meal at fine-dining restaurant is 53 CAD to 320 CAD with the average cost being 79 CAD for one person. This is what you would expect to pay a top-tier diner in Toronto.

Beverage prices, cappuccino, latte etc..

6.8 CAD

11 CAD

16 CAD

MINIMUM

AVERAGE

MAXIMUM

$5

$8

$12

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Toronto is around 11 CAD. Price ranges between 6.8 CAD and 16 CAD depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

5.5 CAD

6.6 CAD

8.3 CAD

MINIMUM

AVERAGE

MAXIMUM

$4

$4.9

$6.1

The average price of a large bottle of milk in Toronto is 6.6 CAD. The maximum what you would pay for milk is 8.3 CAD and the minimum being 5.5 CAD depending on the brand of milk and other properties.

12 eggs price

3.9 CAD

5.2 CAD

7.9 CAD

MINIMUM

AVERAGE

MAXIMUM

$2.9

$3.9

$5.8

A dozen eggs costs around 5.2 CAD on average with 3.9 CAD and 7.9 CAD being the lower and upper limits respectively.

Fresh whole chicken price

9.4 CAD

12 CAD

17 CAD

MINIMUM

AVERAGE

MAXIMUM

$6.9

$9

$13

The price range of a fresh whole chicken in Toronto is between 9.4 CAD and 17 CAD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 12 CAD.

Pack of beef price

11 CAD

17 CAD

34 CAD

MINIMUM

AVERAGE

MAXIMUM

$8.4

$13

$25

The price of a regular pack of beef or meat is around 17 CAD. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

4.2 CAD

5.7 CAD

8.1 CAD

MINIMUM

AVERAGE

MAXIMUM

$3.1

$4.2

$5.9

A bag of rice in Toronto costs around 5.7 CAD on average with prices rangeing between 4.2 CAD and 8.1 CAD depending on the brand and quality.

Bag of tomatos price

1.6 CAD

2.1 CAD

4 CAD

MINIMUM

AVERAGE

MAXIMUM

$1.2

$1.6

$2.9

A bag of tomatoes costs anywhere from 1.6 CAD to 4 CAD. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

2.9 CAD

3.8 CAD

6.2 CAD

MINIMUM

AVERAGE

MAXIMUM

$2.1

$2.8

$4.6

A bag of apples costs 3.8 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 Toronto is around 29%. This means that people spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 36% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 860 CAD per month on grocery and food with expenditure fluctuating between 120 CAD and 9,600 CAD depending on location and the type of person. The average cost of food and groceries for a couple is around 1,100 CAD per month. That number can be get as low as 170 CAD or a high as 10,000 CAD. Families' spending on grocery ranges from 320 CAD to 16,000 CAD with the location, income, and size of the family being the most determinite factors.

Cost of living comparison by city

#1 Richmond

The average cost of living in Richmond is 3,400 CAD, which is 50% 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 50% 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 50% 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 50% 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 50% 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 33% 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 33% 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 33% 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 33% 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 33% 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 33% 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 33% 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 17% less than 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 17% less than 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 17% less than 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 17% less than 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 17% less than 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 17% less than 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 same as 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 same as 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 same as the country average. Toronto is ranked twenty-onth in Canada in terms of expendenture and cost of living.