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harmonybudget

Canada · 2025

Cost of living in Canada, city by city

Average rent, groceries, transit, and utilities for every city we track — each with a single Cost of Living Score so you can see where a Canadian paycheque stretches furthest. Higher score = more affordable.

1
Quebec CityQC
$1,986/mo essentials · Affordable
76
/ 100
2
St. John'sNL
$1,973/mo essentials · Affordable
76
/ 100
3
SaskatoonSK
$2,034/mo essentials · Affordable
73
/ 100
4
WinnipegMB
$2,092/mo essentials · Affordable
70
/ 100
5
EdmontonAB
$2,160/mo essentials · Affordable
67
/ 100
6
MontrealQC
$2,345/mo essentials · Around average
58
/ 100
7
CalgaryAB
$2,475/mo essentials · Around average
51
/ 100
8
HalifaxNS
$2,612/mo essentials · Around average
44
/ 100
9
OttawaON
$2,670/mo essentials · Around average
41
/ 100
10
SurreyBC
$2,999/mo essentials · Pricey
25
/ 100
11
TorontoON
$3,246/mo essentials · Very pricey
12
/ 100
12
VancouverBC
$3,364/mo essentials · Very pricey
7
/ 100

Wherever you live, keep more of what you earn.

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Figures are typical city-level estimates for a one-person household — rent from CMHC and Rentals.ca, groceries from Canada’s Food Price Report, transit from local authority fares, and utilities from provincial boards — not a personal budget, and they shift over time. Want your own number? Take the Cost of Living Score assessment.