San FranciscovsToronto
Overall
💰-28.6%
San Francisco is 28.6%cheaper
Rent
🏠-36.4%
Housing is 36.4% lower
Dining
🍽️-28.6%
Restaurants 28.6% cheaper
Groceries
🛒-28.6%
Food shopping 28.6% less
Comparing the cost of living between San Francisco, United States and Toronto, Canada reveals significant insights for anyone considering relocation or travel in 2025. Our comprehensive analysis shows that San Francisco is more affordable than Toronto by approximately 28.6%. This comparison covers essential living expenses including housing, food, transportation, and utilities, providing you with a complete picture of what to expect financially in each city.
Key Cost Differences
Housing costs in San Francisco are higher than in Toronto by 57%. A one-bedroom apartment in San Francisco's city center costs around $3,800, while the same in Toronto is approximately CA$2,400.
Dining out in San Francisco is notably more expensive compared to Toronto. An inexpensive restaurant meal costs $22 in San Francisco versus CA$20 in Toronto.
Public transportation in San Francisco is more affordable, with monthly passes at $98 compared to CA$156 in Toronto.
Purchasing power in San Francisco is notably stronger, meaning residents can afford more goods and services with their local salaries compared to Toronto.
Grocery shopping in San Francisco is more expensive by approximately 40%. Basic items like milk, bread, and eggs show higher prices across the board.
Monthly Budget Breakdown
When breaking down monthly expenses, a single person in San Francisco can expect to spend approximately $778 per month (excluding rent), while in Toronto, the same lifestyle would cost around CA$739. For families, these figures increase significantly, with a family of four requiring about $2,724 monthly in San Francisco versus CA$2,588 in Toronto. These estimates include groceries, dining out, transportation, utilities, and entertainment, providing a realistic picture of day-to-day living costs in each city.
Detailed Cost Comparison
🏠 Housing Costs (Monthly Rent)
🍽️ Food & Dining
🛒 Groceries
🚌 Transportation
💡 Utilities & Internet
Tips for Moving Between Cities
For those considering a move from Toronto to San Francisco, the cost savings can be substantial, particularly in housing and daily expenses. However, it's important to factor in salary differences and job opportunities. Conversely, moving from San Francisco to Toronto requires careful financial planning. Consider negotiating salary adjustments that reflect the higher cost of living, and research neighborhoods outside the city center for more affordable housing options while maintaining reasonable commute times.
Quality of Life Indices
San Francisco
Toronto
Frequently Asked Questions
Is San Francisco more expensive than Toronto?
No, San Francisco is approximately 28.6% cheaper than Toronto. You'll find significant savings in housing, food, and transportation costs.
How much salary do I need in San Francisco compared to Toronto?
To maintain the same standard of living, you would need approximately 78% of your Toronto salary when living in San Francisco. For example, if you earn $50,000 in Toronto, you'd need about $38,889 in San Francisco for a comparable lifestyle.
What are the biggest cost differences between San Francisco and Toronto?
The most significant cost difference is in housing. Rent prices differ by approximately 57%, making it a major factor in your budget planning. Transportation and utilities show notable variations between the two cities.
Which city is better for expats and digital nomads?
San Francisco offers better purchasing power, making it more attractive for those earning in strong currencies. However, San Francisco provides lower living costs, which benefits budget-conscious travelers. Consider San Francisco if you prioritize earning potential, or Toronto for affordability.
What's a reasonable monthly budget for San Francisco vs Toronto?
In San Francisco, a single person needs approximately $3,578 per month (including rent), while a family of four requires about $7,724. In Toronto, these figures are CA$2,639 for singles and CA$5,588 for families. These estimates include housing, food, transportation, and basic entertainment.
The cost of living comparison between San Francisco and Toronto in 2025 shows significant differences across various expense categories. Whether you're planning a relocation for work, considering retirement options, or simply curious about living costs, understanding these differences is crucial for making informed financial decisions.
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Find out how much you need to earn in Toronto to maintain your lifestyle from San Francisco
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