TorontovsSan Francisco
Overall
💰+40.0%
Toronto is 40.0%more expensive
Rent
🏠+57.1%
Housing is 57.1% higher
Dining
🍽️+40.0%
Restaurants 40.0% pricier
Groceries
🛒+40.0%
Food shopping 40.0% more
Comparing the cost of living between Toronto, Canada and San Francisco, United States reveals significant insights for anyone considering relocation or travel in 2025. Our comprehensive analysis shows that Toronto is more expensive than San Francisco by approximately 40.0%. 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 Toronto are lower than in San Francisco by 36%. A one-bedroom apartment in Toronto's city center costs around CA$2,400, while the same in San Francisco is approximately $3,800.
Dining out in Toronto offers significant savings compared to San Francisco. An inexpensive restaurant meal costs CA$20 in Toronto versus $22 in San Francisco.
Public transportation in Toronto is more expensive, with monthly passes at CA$156 compared to $98 in San Francisco.
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 Toronto is more affordable by approximately 29%. Basic items like milk, bread, and eggs show lower prices across the board.
Monthly Budget Breakdown
When breaking down monthly expenses, a single person in Toronto can expect to spend approximately CA$739 per month (excluding rent), while in San Francisco, the same lifestyle would cost around $778. For families, these figures increase significantly, with a family of four requiring about CA$2,588 monthly in Toronto versus $2,724 in San Francisco. 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
Toronto
San Francisco
Frequently Asked Questions
Is Toronto more expensive than San Francisco?
Yes, Toronto is approximately 40.0% more expensive than San Francisco overall. The biggest differences are in housing and restaurant prices.
How much salary do I need in Toronto compared to San Francisco?
To maintain the same standard of living, you would need approximately 1.4x of your San Francisco salary when living in Toronto. For example, if you earn $50,000 in San Francisco, you'd need about $70,000 in Toronto for a comparable lifestyle.
What are the biggest cost differences between Toronto and San Francisco?
The most significant cost difference is in housing. Rent prices differ by approximately 36%, 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 Toronto if you prioritize cultural experiences, or San Francisco for better value.
What's a reasonable monthly budget for Toronto vs San Francisco?
In Toronto, a single person needs approximately CA$2,639 per month (including rent), while a family of four requires about CA$5,588. In San Francisco, these figures are $3,578 for singles and $7,724 for families. These estimates include housing, food, transportation, and basic entertainment.
The cost of living comparison between Toronto and San Francisco 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 San Francisco to maintain your lifestyle from Toronto
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