The monthly cost of living for a single person in Canada typically ranges from $2,500 to $4,500, while a family of four may need $5,000 to $8,000, depending on location and lifestyle.
1. Housing Costs
Housing is typically the largest expense for newcomers, with costs varying significantly based on the city, province, and type of accommodation.
General Rent Estimates
- Large Cities (Toronto, Vancouver): $2,000–$3,500 for a one-bedroom; $2,800–$4,500 for a two-bedroom
- Mid-Sized Cities (Montreal, Calgary, Halifax): $1,500–$2,500 for a one-bedroom; $2,000–$3,200 for a two-bedroom
- Smaller Cities & Rural Areas: $1,000–$1,800 for a one-bedroom; $1,500–$2,500 for a two-bedroom
Additional Housing Costs
- Utilities (electricity, heating, water): $100–$250 per month
- Internet & phone: $80–$150 per month
- Renter’s insurance: $20–$50 per month
Budget Tip: Renting in suburban areas or opting for shared housing can help reduce costs.
2. Grocery Expenses
The cost of groceries depends on location and shopping habits. Large cities generally have higher prices, while shopping at discount stores and buying in bulk can help save money.
Estimated Monthly Grocery Costs (Per Person)
- Single adult: $300–$600
- Couple: $600–$1,000
- Family of four: $1,200–$1,800
Common Grocery Prices (Average Estimates)
- Milk (4L): $5–$7
- Bread (loaf): $3–$5
- Chicken (1 kg): $12–$18
- Eggs (dozen): $4–$7
- Rice (5 kg): $15–$22
- Apples (1 kg): $5–$8
Budget Tip: Shopping at discount grocery chains and using price-matching apps can lower grocery bills.
3. Transportation Costs
Transportation costs depend on whether an immigrant relies on public transit or owns a vehicle.
Public Transportation (Monthly Passes)
- Major Cities (Toronto, Vancouver, Montreal): $100–$180
- Mid-Sized Cities (Calgary, Winnipeg, Halifax): $80–$150
Owning a Car (Monthly Costs)
- Car payments: $300–$700 (if financing)
- Gas: $150–$350
- Insurance: $100–$250
- Maintenance: $50–$150
Budget Tip: Public transit is often more affordable in urban centers, while car ownership is necessary in suburban and rural areas.
4. Childcare Costs
Childcare costs vary depending on the province, type of care, and available government subsidies.
Average Monthly Childcare Costs (Per Child)
- Infant (0–18 months): $1,000–$2,000
- Toddler (18 months–3 years): $800–$1,500
- Preschool (3–5 years): $600–$1,200
Affordable Childcare Options
- Canada-wide Early Learning and Child Care Plan (CWELCC): Reduces daycare fees in participating provinces.
- Subsidized daycare programs (availability varies by province).
- Before- and after-school care programs (more affordable than full-time daycare).
Additional Expenses to Consider
- Health Insurance (if not covered by provincial healthcare): $75–$200 per month
- Entertainment & Dining Out: $150–$500 per month
- Clothing & Personal Items: $100–$300 per month
