Living expenses can vary depending on the city and province you choose, thus it’s essential to understand the cost of living before moving. This guide provides an overview of living expenses, breaking down the main categories of expenses to help you plan your budget effectively.
Expense 1
Accommodation
Housing is often the largest expense, with costs varying significantly between cities and provinces. In major cities like Toronto and Vancouver, renting or buying a home can be quite expensive, with rent for a one-bedroom apartment ranging from C$1,500 to C$2,500 per month. To reduce this expense to under C$1,000 per month, consider living in a student residence where possible, sharing accommodation with friends, or renting a single room.
It’s important to note that most rental properties in Canada are unfurnished, so you will need to budget for furniture and other household essentials. To save money, consider buying second-hand items from thrift stores, online marketplaces like Kijiji or Facebook Marketplace, or attending local garage sales. Many students sell their furniture and other belongings at low prices when they leave at the end of the academic year.
Cost of living calculator
Wondering how much you will need to live comfortably? Use Numbeo, the world’s largest cost of living database, to estimate your expenses and compare cities.
Expense 2
Utilities
Utility bills, including electricity, heating, cooling, water, and garbage, typically range from C$80 to C$200 per month. Utility costs can be higher in larger cities due to increased demand and infrastructure expenses. Sometimes these bills are included in the monthly rent, so be sure to consider this when searching for accommodation.
Expense 3
Internet and mobile
Internet and mobile service prices can be relatively high compared to other countries. Internet costs typically range from C$40 to C$100 per month, depending on the speed and provider. Mobile phone plans can vary widely, with prices ranging from C$30 to C$100 per month, depending on the amount of data and additional features. Take advantage of special offers from low-cost operators, bundle services, or opt for prepaid, 4G-only plans, as these options can sometimes help reduce costs.
Expense 4
Transportation
Transportation costs depend on whether you use public transit or own a vehicle. Public transit passes range from C$70 to C$150 per month, depending on the city. In some cases, transit passes are included at a significant discount in tuition fees for students. If you own a car, you’ll need to factor in fuel, insurance, and maintenance, which can add up to C$500 to C$800 per month.
Expense 5
Groceries
Grocery costs can vary depending on where you shop and the city you live in. On average, a single person’s monthly grocery bill ranges from C$300 to C$600 per month. To save money, consider shopping at low-cost grocery chains like No Frills, FreshCo, or Food Basics. Avoid grocery delivery services as they often come with additional fees and higher prices. Meal plans can also be an economical choice for students, as many colleges offer plans that include a set number of meals per week or a certain dollar amount to spend at campus dining facilities.
Expense 6
Dining out
Eating out can add a significant amount to your monthly expenses. Dining out twice a month at a mid-range restaurant can add up to C$150 per month. Taxes are added to your bill, and tipping is customary in Canada, with a standard tip ranging from 15% to 20% of the total amount. Avoid food delivery services when possible, as these often include higher menu prices compared to dining in, along with delivery fees and tips for the delivery person.
Expense 7
Entertainment
Entertainment options range from movie nights and parties to concerts and cultural festivals. Going out twice a month to the cinema or parties can cost from C$50 to C$100 per month, depending on the location, type of event, and whether you purchase snacks and drinks. Consider exploring free or low-cost options available through your college or university. Many student unions organize events that are either free or heavily discounted for students. Local communities also often organize free outdoor concerts, art shows, festivals, and volunteer opportunities that can be both enjoyable and rewarding.
Expense 8
Sports and recreation
Engaging in sports and recreational activities is a great way to stay active and meet new people. Many colleges and universities include sports fees as part of their tuition, providing access to campus facilities such as gyms, swimming pools, and sports courts. Using these facilities can be a cost-effective way to stay fit. If you prefer a private gym, membership fees range from C$30 to C$70 per month, depending on the location and amenities offered. Consider using Facebook groups and community boards to find free or low-cost sports and fitness activities.
Expense 9
Winter clothing
When living in Canada, especially in regions with harsh winters, proper clothing is essential. Winter outerwear, including coats, boots, and accessories like gloves and hats, can be expensive. High-quality winter coats can cost anywhere from C$200 to C$500, while insulated boots can range from C$100 to C$300. These prices can add up quickly, especially if you’re purchasing items for the first time. Take advantage of seasonal sales, such as Black Friday, Boxing Day, or end-of-season clearance events, to purchase winter clothing at a discount.
