San Francisco vs Toronto
Cost of Living Comparison · 2026 Data
San Francisco
Toronto
💡 The Verdict
Toronto is 40% cheaper than San Francisco overall. A $75,000 salary in San Francisco is equivalent to $45,000 in Toronto.
Category-by-Category Breakdown
Index values for San Francisco (left) vs Toronto (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in San Francisco versus Toronto. Differences shown from San Francisco perspective.
| Item | San Francisco | Toronto | Difference |
|---|---|---|---|
| 1-Bed Rent | $2,370/mo | $1,170/mo | +$1200.00 |
| 2-Bed Rent | $3,400/mo | $1,590/mo | +$1810.00 |
| 3-Bed Rent | $4,530/mo | $2,060/mo | +$2470.00 |
| Bread (loaf) | $3.13 | $3.12 | +$0.01 |
| Milk (gallon) | $4.60 | $4.21 | +$0.39 |
| Eggs (dozen) | $3.50 | $3.24 | +$0.26 |
| Coffee (latte) | $6.26 | $6.02 | +$0.24 |
| Gas (gallon) | $3.66 | $3.41 | +$0.25 |
| Restaurant Meal | $26.09 | $18.25 | +$7.84 |
💰 Salary Equivalence
A $75,000 salary in San Francisco has the same purchasing power as $45,000 in Toronto.
Conversely, $75,000 in Toronto equals $125,000 in San Francisco.
Reading These Numbers: San Francisco (190) vs Toronto (114)
San Francisco at 190 is 90% above the US average, while Toronto at 114 is 14% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In San Francisco, the composite index of 190 reflects a weighted calculation where housing carries the most influence at 327, followed by groceries (112), utilities (126), transportation (113), and healthcare (113). Housing is the primary cost driver here.
For renters: With median rents of $3,400/mo in San Francisco and $1,590/mo in Toronto, the annual rent difference is approximately $21,720.0. Over a 5-year period, that compounds to $108,600.0 in savings by choosing the more affordable city.
For homebuyers: The $843,000.0 difference in median home prices between San Francisco and Toronto translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: San Francisco vs Toronto
Choosing between San Francisco and Toronto involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
When weighing San Francisco against Toronto, think beyond the composite index. Your personal savings rate, retirement timeline, and family size all influence which cost categories dominate your budget. Someone spending sixty percent of income on housing and childcare will experience these two cities very differently than a single renter whose largest variable expense is dining out. Model your own spending breakdown against the category indices above for the most realistic comparison.