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Toronto, Canada: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Toronto | Digital Nomad Exchange
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Toronto

William Russell
William Russell
William Russell
William Russell

By Betsy Burlingame

Last updated on Apr 06, 2024

Summary: The approximate population of Toronto, Canada is 2.93 million people. People often describe Toronto as a vibrant, multicultural city with a great quality of life. Expats love the diversity of the city, the abundance of cultural activities, and the great food scene. The weather in Toronto is generally mild, with temperatures ranging from an average low of -2°F in January to an average high of 82°F in July. The average cost of living in Toronto for an expat is estimated to be around $2,500 USD per month. The cost of a one bedroom apartment in Toronto is estimated to be around $1,500 USD per month, while a two bedroom apartment is estimated to be around $2,000 USD per month.

What do I need to know about living in Toronto?

When we asked people what advice they would give someone preparing to move to Toronto, they said:

"Before retiring in Toronto, expats should research the cost of living in the city, as it is one of the most expensive cities in the country. They should also familiarize themselves with the Canadian healthcare system, as it is publicly funded and provides universal coverage. Additionally, expats should research the different neighborhoods in Toronto to find the one that best suits their needs. It is also important to research the different visa requirements for expats, as well as the tax implications of living in Canada. Finally, expats should take the time to explore the city and get to know the culture and people of Toronto," explained one expat living in Toronto, Canada.

"I have a relocation company in Toronto helping primarily corporate clients and their families from all over the world with all aspects of their move to Toronto. I also work with an affiliate who has assistants working across Canada. Together we can assist with government cards and forms, school admissions, home finding, city orientation and more. This is a great city, full of cultural resources, picturesque, loads of opportunities and very accepting of all cultures. We are one of the most multicultural cities in the world!!! Language training is abundant, public transportation, continuing education are all available at a reasonable cost. The cost of housing and the overall cost of living is high. In order for me to assist you, you must have your employment in place as there are not many people who will rent to you without this. Once you are working here legally you can get your medical coverage (OHIP) as well. I can direct you to the appropriate immigration lawyers, international movers, etc. as part of my service. Please feel free to drop me a line with your questions here: [email protected] or visit my site at www.gtarelocation.com for more information," said one expat in Toronto.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What do I need to know before moving to Toronto?

When we asked people what advice they would give someone preparing to move to Toronto, they said:

"Toronto is a vibrant and diverse city with a lot to offer expats. Before moving to Toronto, it is important to research the cost of living, as it is one of the most expensive cities in Canada. It is also important to familiarize yourself with the local culture and customs, as Toronto is a multicultural city. Additionally, it is important to research the job market and the availability of housing in the city. Finally, it is important to obtain the necessary visas and permits before moving to Toronto," explained one expat living in Toronto, Canada.

How do I find a place to live in Toronto?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"When looking for a place to live in Toronto, it is important to consider your budget, desired location, and the type of housing you are looking for. Start by researching different neighbourhoods in Toronto to find one that fits your needs. You can also use online resources such as Craigslist, Kijiji, and PadMapper to search for rental listings. Additionally, you can contact a real estate agent to help you find a place to live. Once you have narrowed down your search, you can visit the properties in person to get a better feel for the area and decide if it is the right fit for you," said one expat in Toronto.

What is a typical expat home or apartment like in Toronto?

"Expat homes and apartments in Toronto are typically modern and spacious, with plenty of natural light and open floor plans. Many of the apartments are located in the downtown core, close to amenities such as restaurants, shops, and entertainment. Expats can also find homes and apartments in the suburbs, which offer more space and a quieter atmosphere. Most homes and apartments come with modern appliances and amenities, such as air conditioning, in-suite laundry, and high-speed internet," said one expat in Toronto.

What is the average cost of housing in Toronto?

If you are thinking about moving to Toronto, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Toronto is quite high. Prices for homes in the city have been steadily increasing over the past few years, with the average cost of a detached home in the city now exceeding $1 million. Renting is also expensive, with the average cost of a one-bedroom apartment in the city centre costing around $2,000 per month," remarked one expat who made the move to Toronto.

How do I meet people in Toronto?

When we asked people living in Toronto about club and activities where newcomers can meet others, they responded:

"Expats in Toronto can join a variety of clubs and activities to meet people and make friends. Popular activities include joining a sports team, taking a language class, or attending a meetup group. Expats can also meet people by attending local events such as festivals, concerts, and art shows. Additionally, many expats find it helpful to join online forums and social media groups related to their interests. Finally, expats can also meet people by simply exploring the city and talking to locals," remarked one expat living in Toronto, Canada.

"We have great biking trails across the city, and tennis courts are abundant in many of our public parks. There are a few newcomers clubs that can be joined for a small fee and can be selected based on the area you choose to live in. We love our pets and many people have dogs that they also like to walk with their friends and neighbours. Continuing education in an area of interest through many of our colleges like George Brown, Sheridan, Centennial and Seneca are also a great way to meet people," wrote one member in Toronto.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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What should I bring when moving to Toronto?

People living in Toronto were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Toronto, it is important to pack warm clothing, as the winters can be quite cold. It is also a good idea to bring a raincoat and umbrella, as the city experiences a lot of rain. Additionally, it is important to bring a valid passport and other necessary documents. It is also a good idea to bring a few items to make your new home feel more comfortable, such as pictures, books, and other personal items. Finally, it is important to bring any necessary medications and toiletries," remarked one expat who made the move to Toronto.

Where should I setup a bank account in Toronto?

We asked expats in Toronto what banks they use and there advice about banking. They advised:

"Before retiring in Toronto, expats should research the cost of living in the city, as it is one of the most expensive cities in the country. They should also familiarize themselves with the Canadian healthcare system, as it is publicly funded and provides universal coverage. Additionally, expats should research the different neighborhoods in Toronto to find the one that best suits their needs and budget. It is also important to research the local job market, as Toronto is a major hub for many industries. Finally, expats should consider the climate in Toronto, as it can be quite cold in the winter months," wrote one member in Toronto.

Will I be able to find a job in Toronto?

When we asked people about industries and career opportunities in Toronto, they reponded:

"In the Greater Toronto Area: IT, telecommunications, marketing, manufacturing, automotive industry, finance, tourism, arts and entertainment, etc," said one expat who made the move to Toronto.

"Foreigners often have jobs in Toronto in a variety of industries, such as hospitality, retail, technology, finance, and healthcare. They may also work in professional services, such as accounting, consulting, and legal services. Additionally, many foreigners find employment in the education sector, teaching English as a second language or working as professors at universities. Other popular job opportunities for foreigners include working in the arts, media, and entertainment industries," explained one expat living in Toronto, Canada.

What is life like in Toronto?

When we asked people living in Toronto what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Toronto is vibrant and exciting. The city is a hub for culture, art, and entertainment, and offers a wide variety of activities and attractions for visitors. The city is also home to a diverse population, making it easy for expats and digital nomads to find a community of like-minded people. The cost of living in Toronto is relatively affordable, and the city is well-connected with public transportation, making it easy to get around. Additionally, Toronto is a great place to work remotely, with plenty of co-working spaces, cafes, and other places to work. All in all, Toronto is an ideal destination for expats and digital nomads looking for a vibrant and exciting place to live and work," remarked one expat living in Toronto, Canada.

"Career is top priority followed by family time which can consist of outings, socializing with others and taking the kids for after school activities like swimming, playing in the parks, joining sports teams. We like to cook at home and entertain at home as well. Everyone in Toronto loves either Hockey, Basketball, Baseball or all of the above. We are proud of our sports teams. In the summer the waterfront has a lot to offer both residence and tourists with arts, cultures, fairs and events for the whole family. Many like to go out to the country on the weekends when the weather permits. Norther Ontario is a beautiful part of the world," wrote one member in Toronto.

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What do expats in Toronto appreciate most about the local culture?

"Expats in Toronto appreciate the city's diverse culture, with a variety of ethnicities and backgrounds represented. They also enjoy the city's vibrant art and music scenes, with a wide range of galleries, theatres, and music venues. Toronto is also known for its excellent food, with a variety of cuisines from around the world available. The city is also known for its friendly people, who are welcoming and open to newcomers. Finally, expats appreciate the city's excellent public transportation system, which makes it easy to get around," wrote one member in Toronto.

"Opportunities to have a more global perspective, to improve English, to serve the community on a higher scale than before," remarked one expat who made the move to Toronto.

What do expats find most challenging?

"There is a big cultural difference between China and Canada. Inititally I found hard to be fully aware of the difference, then it came the challenges to express it accurately. During the time, I did not have social network and had a hard time to build one. The situation put a lot of stress on my work and life," said one expat in Toronto.

"Expats in Toronto often find the local culture to be quite different from what they are used to. Many find the pace of life to be much faster than what they are accustomed to, and the cost of living can be quite high. Additionally, the weather can be quite unpredictable, with extreme temperatures in both summer and winter. Furthermore, the city is quite multicultural, and many expats find it difficult to adjust to the different customs and languages. Finally, the city can be quite crowded, and traffic can be a challenge to navigate," said one expat who made the move to Toronto.

Is there a lot of crime in Toronto?

We asked people if there is a lot of crime. They answered:

"Toronto is a relatively safe city. While it may have higher property crime rates than most other Canadian cities, reports by Statistics Canada show that violent crime rates in Toronto have been decreasing in recent years and remain below the Canadian average," remarked one expat living in Toronto, Canada.

Is there a lot of diversity? Are people in Toronto accepting of differences?

"Toronto is one of the most culturally diverse cities in the world. We are not just a tolerant city we are an inclusive city. All religions and cultures are welcome as long as they are peaceful, do not impose their belief on others and practice in the same inclusive and welcoming manner," remarked one expat living in Toronto, Canada.

"Yes, Toronto is a very diverse city. It is home to people from all over the world, representing a variety of cultures, religions, and backgrounds. People in Toronto are generally accepting of differences and strive to create an inclusive and welcoming environment for everyone," wrote one member in Toronto.

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Connect

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Click connect to have our partner contact you via e-mail and/or phone.

SJB GlobalSJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
Connect

Click connect to have our partner contact you via e-mail and/or phone.

What are the schools in Toronto like?

"The Toronto French School (TFS) is one of the best international schools in Toronto. It is a bilingual school offering a French immersion program from Junior Kindergarten to Grade 12. TFS is committed to providing a high-quality education that is both challenging and nurturing. The school offers a wide range of academic and extracurricular activities, including sports, music, and art. The International School of Toronto (IST) is another excellent international school in Toronto. It is a private, co-educational day school offering an international curriculum for students from Kindergarten to Grade 12. IST provides a rigorous academic program that is designed to prepare students for success in university and beyond. The school also offers a wide range of extracurricular activities, including sports, music, and art. The Toronto International Academy (TIA) is a bilingual school offering a French immersion program from Kindergarten to Grade 12. TIA is committed to providing a high-quality education that is both challenging and nurturing. The school offers a wide range of academic and extracurricular activities, including sports, music, and art. The Toronto District School Board (TDSB) is the largest school board in Canada and offers a wide range of educational programs for students from Kindergarten to Grade 12. The TDSB offers a variety of programs, including French immersion, International Baccalaureate, and Advanced Placement. The TDSB also offers a wide range of extracurricular activities, including sports, music, and art," wrote an expat with kids at in Toronto.

What are the pros and cons of living in Toronto?

Expats, digital nomads and retirees living in Toronto responded:

"Expats and digital nomads living in Toronto often appreciate the city's vibrant culture, diverse population, and excellent public transportation system. They also enjoy the city's many parks, restaurants, and entertainment options. On the other hand, some expats and digital nomads may find the cost of living in Toronto to be quite high, and the city's weather can be unpredictable," remarked one expat in Toronto.

SJB GlobalSJB Global
Connect

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Click connect to have our partner contact you via e-mail and/or phone.

SJB GlobalSJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
Connect

Click connect to have our partner contact you via e-mail and/or phone.

What type of social life can someone expect in Toronto?

When we asked expats and global nomads about their social experiences in Toronto, they replied:

"Expats, retirees and digital nomads living in Toronto typically have an active social life. There are many opportunities to meet people from all over the world, as well as locals, through various activities such as attending cultural events, joining local clubs and organizations, and participating in outdoor activities. Toronto is also home to a vibrant nightlife, with plenty of bars, clubs, and restaurants to explore. Additionally, there are many online communities and meetups that provide a great way to connect with like-minded people," wrote one expat living in Toronto.

"Toronto is a vibrant city with a diverse and lively social scene. There are plenty of bars, clubs, and restaurants to explore, as well as a variety of cultural events and activities to take part in. From art galleries and music festivals to sports games and theatre performances, there is something for everyone in Toronto. The city is also home to a thriving nightlife, with a wide range of bars, clubs, and lounges to choose from. Whether you're looking for a casual night out or a more upscale experience, Toronto has something for everyone," mentioned one expat inToronto.

What advice to expats in Toronto have about housing?

"When looking for housing in Toronto, it is important to research the area thoroughly and consider the cost of living in the neighbourhood. It is also important to consider the commute to work and other amenities such as grocery stores, parks, and public transportation. It is also recommended to look for a place that is close to family and friends, as well as a place that is safe and secure. Additionally, it is important to be aware of the rental laws in Toronto, as they can vary from other cities. Finally, it is important to be aware of the cost of utilities and other services when renting a place in Toronto," said one expat.

What are medical services in Toronto like?

When we asked expats and global nomads about the quality of medical care in Toronto, they replied:

"Toronto offers a wide range of medical services to its residents. The city is home to a number of hospitals, clinics, and medical centers that provide comprehensive care for a variety of medical needs. Patients can access primary care services, such as family medicine, internal medicine, and pediatrics, as well as specialized care in areas such as cardiology, oncology, and neurology. Toronto also has a number of walk-in clinics and urgent care centers that provide quick access to medical care for minor illnesses and injuries. Additionally, Toronto is home to a number of research hospitals and medical centers that are dedicated to advancing medical knowledge and providing the latest treatments and technologies," said an expat in Toronto.

Are healthcare and health insurance expensive in Toronto?

"Healthcare and health insurance in Toronto can be expensive. The cost of health insurance depends on the type of coverage and the provider. Generally, the cost of health insurance is higher than the cost of healthcare, as it covers a wider range of services. Additionally, the cost of healthcare in Toronto can vary depending on the type of care needed and the provider. In general, the cost of healthcare in Toronto is higher than in other parts of Canada," said one expat.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

Is the cost of living in Toronto high?

We asked people about the cost of living in Toronto, they wrote:

"The cost of living in Toronto is generally considered to be high. The rental price for a nice 1 bedroom apartment in Toronto, Canada is typically around $1,800 USD per month, while a nice 2 bedroom apartment is usually around $2,400 USD per month. Eating dinner at a moderately priced restaurant in Toronto, Canada can cost around $20 USD per person," commented one expat living in Toronto, Canada.

What are the visa & residency requirements in Toronto?

"In order to visit or live in Toronto, one must obtain a visa or residency permit. The process of applying for a visa involves submitting an application to the Canadian Embassy or Consulate in the applicant's home country. The application must include proof of identity, proof of financial support, and a valid passport. Depending on the type of visa, additional documents may be required. The process of applying for residency in Toronto, Canada involves submitting an application to Immigration, Refugees and Citizenship Canada (IRCC). The application must include proof of identity, proof of financial support, and a valid passport. Depending on the type of residency permit, additional documents may be required. The application must also include a detailed explanation of why the applicant wishes to live in Canada. Once the application is approved, the applicant will receive a permanent resident card," said one expat.

Why do people move to Toronto?

When we asked people why foreigners move to Toronto, they responded:

"Toronto is an attractive destination for expats due to its vibrant culture, diverse population, and excellent quality of life. The city offers a wide range of job opportunities, excellent public transportation, and a safe and secure environment. Toronto is also home to a variety of cultural attractions, including world-class museums, galleries, and theatres. Additionally, the city is known for its excellent educational institutions, making it an ideal place for expats to pursue their studies. With its diverse and welcoming atmosphere, Toronto is an ideal destination for expats looking to start a new life in Canada," said one expat living in Toronto.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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Help others in Canada by answering questions about the challenges and adventures of living in Canada.

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