Sacramento vs Toronto
Cost of Living Comparison · 2026
Sacramento
Toronto
The Verdict
The cost gap between these cities is 37.6%, with Toronto being the more affordable option. A $75,000 income in Sacramento has equivalent purchasing power to $54,492 in Toronto.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Sacramento has the same purchasing power as $54,492 in Toronto.
Conversely, $75,000 in Toronto equals $103,226 in Sacramento.
Living in Sacramento vs Toronto
Housing Costs
Sacramento's housing index of 163 is higher Toronto's 132, translating to median home prices of $450,000 vs $615,000. The $165,000 difference in home prices means roughly $10,728 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,700/mo in Sacramento compared to $1,825/mo in Toronto, a monthly difference of $125.
Grocery & Food Costs
Grocery expenses index at 104 in Sacramento and 88 in Toronto. A household spending the national average of $475/month on groceries would pay approximately $494/month in Sacramento vs $418/month in Toronto. Toronto offers a meaningful advantage on everyday food costs, saving roughly $912/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 108 in Sacramento and 85 in Toronto. Monthly utility bills average approximately $432 in Sacramento vs $340 in Toronto. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 106 in Sacramento and 72 in Toronto. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 34-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $64,660 in Sacramento and $55,000 in Toronto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $50,516 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 $1,509/month to housing in Sacramento vs $1,283/month in Toronto. In Sacramento, median rent of $1,700/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 34 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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