International Cost of Living Calculators

2020 International cost of living and hardship / quality of living data for 780 global locations.

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Canada, All Areas

Canada, All Areas

Cost of living in Canada, prices and what it is like to live for an Expat, quality of life / hardship, and compare cost of living for Expatriates as at October 2020.

What is it like to live in Canada?

Climate: The climate varies from temperate in the south to subarctic and arctic in the north.

Language: The official languages are English and French. All government documents and information services are available in both. English remains the dominant language in every province except Québec. There is also a sizeable francophone community in New Brunswick, which is the country's sole officially bilingual province. Canadian French is different from European French, but they are mutually intelligible. Given Canada's multicultural population, many other languages are spoken in the major cities, especially Arabic, Chinese, Hindi, Japanese, Russian, Polish, Portuguese and Spanish.

Religion: Christianity.

Economy: The economy of Canada is one of the world's wealthiest, with a high per-capita income, and it is a member of the Organisation for Economic Co-operation and Development (OECD) and the G8. It is one of the world's top ten trading nations.

Inflation: 0.5% for Canada as at September 2020.

Money: The currency of Canada is the Canadian Dollar (CAD). Banking is on a par with the rest of Western Europe and North America.

Tax: In Canada is based on the current Federal personal income tax rates only which are progressive up to 33%. In addition to Federal income tax, an individual who resides in, or has earned income in, any Province or Territory is also subject to Provincial or Territorial income tax. For Xpatulator Hypothetical Tax purposes we have used an average Provincial / Territorial income tax rate of 16.9%. The combined maximum progressive Xpatulator Hypothetical Tax rate is therefore 49.9% based on Federal (33%) + Provincial / Territorial Taxes (16.9%).

Population: 37.7 Million (2020 est.)

Expat Life: Business is conducted in a similar way to that of the US, UK and Australia. Canadians will generally invite you to call them by their first names. Expatriate dress code is generally conservative, suits are the norm. Women hold positions at the highest levels. The safety risk for expatriates in Canada is low. Risks include petty street crime mainly in low income neighbourhoods of major cities, as well as of terrorism.

Health Care: Health care facilities are good, however the cost of treatment can be very expensive for expatriates if you don’t meet provincial residency requirements for health care. The Coronavirus COVID-19 total reported cases for Canada as at 22 October 2020 is 206,360, with 9,829 deaths. The rate of deaths per 1 million population is 260.

Canada covers all areas within the country other than Calgary, Edmonton, Montreal, Ottawa, Toronto, and Vancouver.

Cost Of Living

What is the cost of living in Canada?

The cost of living for expatriates in Canada as at October 2020 is high in comparison to other places in the world, with an overall Cost of Living Index (COLI), for all 13 basket groups, of 79.27 (New York =100). We have collected prices for the same items, world wide, based on Expat spending norms, in or closest to the location, and converted them to $USD so that we can compare the cost of 13 different baskets in 780 global locations. For each basket, compared to New York, the equivalent cost in Canada is as follows:

1) Alcohol and/or Tobacco: Cost is high for items such as beer, spirits, wine and tobacco related products such as cigarettes. A basket costing USD$1,000 in New York costs USD$940. Average price in a store for a midrange bottle of wine is USD$15.35, domestic/local beer (500ml) USD$2.86, imported/international beer (330ml) USD$3.58 and a pack of 20 cigarettes is USD$14.44.

2) Clothing: Cost is average for items such as business, casual and children's clothing and footwear. A basket costing USD$1,000 in New York costs USD$940. Average price for an international brand of mens jeans is USD$47, a quality international brand of running shoes USD$75, mens leather shoes suitable for office wear USD$93 while a medium size international summer dress from a global chain store is USD$34.

3) Communication: Cost is high for various communication costs such as home telephone rental, internet subscription, mobile service provider tariff and data costs. A basket costing USD$200 in New York costs USD$272. Average price for a monthly standard plan internet subscription is USD$56, while the benchmark mobile tariff is USD$0.26 per minute.

4) Education: Cost is low for items such as creche / pre-school fees, primary school fees, high school fees and tertiary study fees. A basket costing USD$30,000 in New York costs USD$17700. Average annual private international school fee (excluding extras) USD$11,469 for Primary School, and USD$12,763 for High School.

5) Furniture & Appliances: Cost is average for items such as dining table and chairs, home entertainment, kitchen appliances, and sofas. A basket costing USD$2,500 in New York costs USD$1850. Average price for a 6kg front loader Washing Machine is USD$663, and USD$569 for a 46+'' LED UHD TV.

6) Groceries: Cost is high for items such as consumables, cleaning products, dairy, fresh fruit & vegetables, general food products, snacks, soft drinks. A basket costing USD$1,000 in New York costs USD$900. Average grocery prices in a major international retail store for 1 kg apples is USD$3.89, 1 kg oranges USD$3.81, 1 head lettuce USD$2.42, 1 kg potatos USD$2.73, 1 kg boneless, skinless, chicken breast USD$12.74, 1 kg cheddar cheese USD$12.27, 1 dozen large eggs USD$3.28, 500g loaf white bread USD$2.81, 1 L full cream milk USD$2.38, and 1.5 L water USD$2.16.

7) Healthcare: Cost is average for general heath care, doctor visits, hospital stays, non-prescription medicine, and medical insurance. A basket costing USD$1,000 in New York costs USD$580. Average healthcare cost for a private practice Doctor visit for an uninsured patient is USD$47, and a private hospital stay per day including nursing care, medications, diagnostic tests, food, and related costs is USD$1,448.

8) Household Accommodation: Cost is average for items such as apartment rent, house rent, property purchase, mortgage rate, and utilities. A basket costing USD$5,000 in New York costs USD$2800. Average expatriate house / apartment rent for a secure upmarket unfurnished apartment (3 bedrooms) is USD$2,628 in a central location, and USD$1,898 in a suburban location, per month, excluding utilities.

9) Miscellaneous: Cost is high for items such as dry cleaning, linen, magazines, newspapers, office supplies, and postage stamps. A basket costing USD$500 in New York costs USD$415. Average price for dry cleaning (1 mens 2 pc suit) is USD$8.10, while an international newspaper is USD$2.49.

10) Personal Care: Cost is very high for items such as cosmetics, hair care, and toiletries. A basket costing USD$500 in New York costs USD$450. Average cost for a mens haircut and blow dry is USD$36, while a womens hair colour, cut and blow dry - medium length is USD$181.

11) Recreation & Culture: Cost is high for items such as books, cinema, sport and theatre tickets. A basket costing USD$500 in New York costs USD$440. Average price for a latest release international cinema ticket (average of on and off peak where applicable) for one adult is USD$13.48, and an international fitness, recreation or sports club membership cost for one adult is USD$48 per month.

12) Restaurants Meals Out and Hotels: Cost is average for items such as hotel daily room rates, meals and beverages in a restaurant, and take away food and beverages. A basket costing USD$1,000 in New York costs USD$760. Average cappuccino price (regular, medium) is USD$4.10, coke/pepsi (330ml) USD$2.16, burger meal (international franchise or similar) USD$9.62, and a mid-range international restaurant meal for 2 USD$67.38.

13) Transport: Cost is high for items such as fuel (petrol/gasoline), car hire, public transport, vehicle purchase and maintenance. A basket costing USD$1,000 in New York costs USD$1060. Average average price over the last year for highest available octane petrol / gasoline (1L) is USD$0.87, while the benchmark car sedan purchase price including taxes/duties for a compact / small / economy vehicle (1.4 L) is USD$18,956.

How does the cost of living in Canada compare?

Canada is 9.4% more expensive than USA for groceries, -13.7% cheaper for household costs than UK, and 122.9% more expensive for transport costs than India.

What is the quality of life / hardship in Canada?

Canada is ranked as a minimal hardship location.The hardship premium for Canada for an expat from Australia, is for example 0%, i.e. host location (Canada) premium of 10% minus home (Australia) location premium of 10%.

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