Durham vs Toronto
Cost of Living Comparison · 2026
Durham
Toronto
The Verdict
The cost gap between these cities is 8.6%, with Toronto being the more affordable option. A $75,000 income in Durham has equivalent purchasing power to $69,059 in Toronto.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Durham has the same purchasing power as $69,059 in Toronto.
Conversely, $75,000 in Toronto equals $81,452 in Durham.
Living in Durham vs Toronto
Housing Costs
Durham's housing index of 104 is lower Toronto's 132, translating to median home prices of $340,000 vs $615,000. The $275,000 difference in home prices means roughly $17,880 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Durham compared to $1,825/mo in Toronto, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 100 in Durham and 88 in Toronto. A household spending the national average of $475/month on groceries would pay approximately $475/month in Durham vs $418/month in Toronto. Toronto offers a meaningful advantage on everyday food costs, saving roughly $684/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 93 in Durham and 85 in Toronto. Monthly utility bills average approximately $372 in Durham vs $340 in Toronto. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 108 in Durham and 72 in Toronto. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 36-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $57,738 in Durham and $55,000 in Toronto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,166 and $59,140 respectively. Toronto residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,347/month to housing in Durham vs $1,283/month in Toronto. In Durham, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Toronto, median rent of $1,825/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Healthcare, where the gap is 36 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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