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Many students dream of studying in Canada. The country has world-renowned teaching facilities and universities, an open immigration system, metropolitan cities, and scenic landscapes. Altogether, it’s a great choice for international students.
Studying in Canada is not as expensive as studying in other countries, like the U.S. or U.K. However it is still a big investment. International students pay between $1,800-20,000 CAD per year to attend a Canadian university or college.
But, what’s the cost of living in Canada? Canada is a big country and prices vary by region. Nevertheless, the EduCanada government website estimates the average cost of living for foreign students is about $12,000 CAD a year.
In this guide, we outline how much students across Canada pay for things like rent, transportation, entertainment, and food – and look into some hidden costs that everyone should keep in mind.
Here is our student guide on the cost of living in Canada:
When you’re studying in Canada, you can choose between living on-campus or off-campus. Living on-campus is a great opportunity to socialize with other students and make friends. Most institutions also give students on-campus the option to buy a meal plan. But, keep in mind that many universities and colleges prioritize first-year students for on-campus housing.
You might also decide to rent an apartment or room off-campus instead. There are lots of housing options in neighborhoods close to universities and colleges – and these are often advertised specifically for students.
To give you an idea about how much accommodation will cost, we take a look at some popular Canadian study destinations. Keep in mind, off-campus housing prices might fluctuate because of the pandemic.
At the University of Toronto, on-campus housing for eight months ranges from about $6500- $20,500 CAD, depending on the room and meal-plan. A one-bedroom apartment in Toronto costs about $2,100 CAD/month on average.
At the University of British Columbia in Vancouver, a room and meal-plan will cost you between $10,700-$13,850 CAD for two terms. A one-bedroom apartment in the city center costs $2,050 CAD/month on average.
At McGill University in Montreal, a single room for 1st-year undergraduate students costs between about $9,700-$12,700 CAD/academic year, without a meal plan. A one-bedroom apartment costs 1,300 CAD/month on average.
At Dalhousie University in Halifax, a single room costs between $8,130-$9,450 CAD/academic year with a meal plan. A one-bedroom apartment costs about $1,400 CAD/month on average.
At the University of Waterloo, a single room in a traditional-style dorm costs between about $6,700-$7,000 CAD for the fall and winter term, not including a mandatory meal-plan. A one-bedroom apartment costs about $1,500 CAD/month on average.
If you don’t have a meal plan and live off-campus, you must include grocery shopping in your budget. Of course, food prices are different across the country and depend on where you decide to shop.
Let’s take a quick look at how much essential items may cost in Canada’s largest city, Toronto:
Milk (about $3 CAD)
Rice, 1kg (about $3.50 CAD)
Apples, 1kg (about $4 CAD)
Red meat, 1kg (about $16 CAD)
12 eggs (about $3.50 CAD)
According to the City of Toronto’s Nutritious Food Basket Calculator, a male aged 19-30 must spend a minimum of $65.50/week to buy healthy food. A female the same age living in Toronto must spend about $51 CAD/week to buy healthy food.
How much is the average cost of transportation in Canada? Many international students rely on public transportation to get around. And oftentimes, transport costs are included in tuition fees – giving you unlimited access to the city’s whole transportation system.
But in some cities – like Toronto and Montreal – you can buy your own pass at a reduced fare. In Montreal, a student pass costs $53 CAD/month. In Toronto, which is a much more expensive city, a pass costs $128 CAD/month.
Outside of larger cities, it can also be useful to have a car, especially if you are used to driving at home. But, keep in mind this can cost a lot extra. To get an idea of how much it costs to drive a car in Canada, check out this driving costs calculator by the Canadian Automobile Association (CAA).
Canada offers many cultural and outdoor activities for you to enjoy. You can find world-class music festivals, skiing and snowboarding, and giant sporting events like basketball, hockey, and baseball games.
Of course, you will also still get to enjoy many things you did at home. Here are a few things you might like to do in Canada, along with how much each costs:
Visit a renowned museum (many offer free evenings, and entrance for young people or students)
Meet a friend for coffee ($1.76 CAD at coffee chain Tim Hortons)
Rent skates and go ice-skating outdoors (about $10 CAD)
Watch a movie in theaters (about $15 CAD)
Eat dinner at a casual restaurant (about $15-25 CAD)
Canada has a publicly-funded health system. However, each province and territory administers its own healthcare. Whether or not you can receive publicly-funded medical coverage will depend on where you are in Canada.
If you don’t qualify for public healthcare, your institution might require you to enroll in a specific insurance plan or find your own private coverage. You should check with your institutions about exactly what coverage you need to study safety in Canada.
Lots of hidden costs arise when studying abroad, and there are a few things students in Canada should keep in mind.
For one, it is expensive to own a cellphone in Canada. In fact, cell phone bills in Canada are among the highest in the world. Canadians pay $101 CAD/month, on average, for a cellphone plan.
You will also need to buy warm winter clothing – including a jacket, boots, socks, gloves, hat, and scarf. You can expect to pay about $300-$400 CAD for these items brand new. However, thrift stores might also carry winter clothing for much cheaper.
Finally, you shouldn’t forget about Canadian sales taxes. Taxes in Canada are higher than many places in the world and range from about 12%-15%.
At PTE Academic, we want to help you achieve your Canadian study dreams. Book your PTE Academic test today – wherever you are in the world.
Check exam fees and find the closest test center to you now.
The Summarize Group Discussion task is one of the most comprehensive speaking challenges in PTE Academic. It tests your ability to listen actively, take effective notes, and deliver a coherent summary that captures multiple perspectives.
Understanding how to approach this task strategically can significantly boost your speaking score.
The "Respond to a Situation" task in the Speaking section of PTE Academic tests your ability to handle real-world university scenarios using appropriate language. This task simulates everyday campus interactions, requiring you to respond naturally and effectively to common situations you might encounter as a student.
Knowing your English level helps you pick the right course, get visas, and make strong applications for work or school. In short: proficiency levels are standard descriptions of what you can do in reading, listening, speaking, and writing.
You can check your level with trusted online tests or official exams like PTE Academic or PTE Core, which give scores based on global standards. Below, we explain how levels are defined, how they’re tested, how to estimate your current ability, and what different goals usually need, so you can plan your next step with confidence.
Language proficiency levels show how well you can read, listen, speak, and write. These levels follow shared standards so schools, employers, and governments around the world can easily understand your skills.
The most common system is the Common European Framework of Reference for Languages (CEFR), which rates language ability from beginner (A1) to highly advanced (C2). A recent overview explains CEFR’s role as a standard for designing tests and interpreting scores across countries and programs and notes ongoing efforts to keep it up to date for modern assessments.
Pearson’s Global Scale of English (GSE) provides a more granular 10–90 scale that also aligns to CEFR tiers. This makes it easier to see fine-grained progress and map scores to CEFR bands.
Typical CEFR levels at a glance:
A1: Understand and use everyday expressions; introduce yourself; ask and answer simple questions
A2: Handle routine tasks; describe immediate needs and simple aspects of daily life
B1: Understand main points of clear standard input; produce simple connected text; manage travel or work situations
B2: Interact with fluency on familiar topics; write clear, detailed text; follow lectures with some support
C1: Use English flexibly and effectively in academic and professional contexts; understand demanding texts
C2: Understand virtually everything heard or read; summarize information coherently; express nuanced ideas precisely
Common uses:
A1-A2: Mainly used for basic immigration visas, family reunification, entry-level work or training programs, and integration courses where simple everyday communication is sufficient.
B1–B2: Many vocational programs, initial professional roles, and some visa pathways
B2–C1: Most undergraduate admissions and professional certifications
C1–C2: Postgraduate study, specialized professions, and roles requiring complex communication
Proficiency is measured across four core skills:
Reading:Understanding texts, identifying main ideas and details, and interpreting vocabulary in context
Listening : Following speech at natural speed, recognizing key information, and inferring meaning
Speaking: Producing clear, organized speech; using accurate grammar, vocabulary, and pronunciation
Writing: Composing well-structured texts suited to purpose and audience; demonstrating control of grammar and cohesion
The scoring for most English language tests is measured against the CEFR. For The scores for PTE Academic (for studying and work) and PTE Core (for general use and migration), align to CEFR with scoring between 10 and 90. Learn more about PTE scoring alignment.
Build a reliable picture by mixing official tests with quick checks and reflective habits:
Take a recognized practice test: Use an official Pearson PTE Scored Practice materials Test
or other reputable online assessments to estimate your CEFR level and identify strengths and gaps
Practice with PTE-style items: Work through sample reading tasks (e.g., fill-in-the-blanks), listening summaries, and short spoken responses to simulate real test conditions.
Use self-analysis prompts that match the CEFR level you are aiming for: For example, ask, “Can I follow a university lecture?”, “Can I write a formal email with clear structure?”, “Can I explain a process or opinion for 60–90 seconds?”
Requirements vary, but many universities, colleges, professional bodies, and visa authorities set minimum thresholds around B1–C1, or the equivalent GSE score range of 43-84 for PTE Academic and PTE Core. . Some UK family and settlement visas require A1 or A2 level. Always confirm details with the program or government authority.
Typical requirement ranges (illustrative):
University / College admission:
Undergraduate: Often B2; competitive programs may prefer C1
Postgraduate: Commonly C1
Professional certification:
General professional registration: Frequently B2–C1
Visa/migration pathways:
Skilled migration: Typically B1–B2+ equivalents; some routes require higher levels depending on occupation
Family visas: Often A1-A2.
For Canadian migration scenarios, explore PTE Core requirements and pathways here.
For UK migration, consider PTE UK visa SELT tests.
For many learners, English isn't just the goal; it’s the way to get degrees, licenses, and international jobs. Universities and employers look at test scores to decide who to admit or hire. Once students are in university or at work, success depends on great communication (reading, listening, speaking, and writing) skills, whether it's doing research or talking to clients.
Research indicates that higher English proficiency supports academic performance and integration for international students, improving classroom participation and social engagement. In the workplace, clear communication underpins teamwork, safety, and advancement, making ongoing skill development a career investment, not just a test goal.
Target all four skills with short, consistent practice:
Daily core routine (20–40 minutes):
Listening: Listen to 2–3 minutes of a podcast or lecture; note new phrases
Speaking: Answer one daily Q&A aloud (60–90 seconds) on familiar topics
Reading: Skim a news article; summarize the main idea in two sentences
Writing: Draft a short email or 120–150 word paragraph; focus on structure and linking words
Quick wins:
Grammar and vocabulary: Do 10 fill-in-the-blank or sentence completion items; build a personal word bank with examples
Reading for context: Underline signal words (however, therefore) and infer meaning of three unknown words from context
Listening focus: Practice identifying the overarching meaning first, then the key details and numbers
Feedback loop: Swap writing with a friend or use self-scoring checklists; act on one improvement point per day
To prepare for your English exam, practice with practice tests that are similar to your actual test and check the scoring guidelines to make sure your answers meet the expectations. If you aren't sure where to start take our 'Which test is right for me?' tool. You can also read our article 'How to pick an English test that works for you'.
Practice short answers to everyday prompts like “What did you do today?” and “What do you like to eat?” to build fluency and reduce hesitation.
Use clarifiers such as “Could you repeat that more slowly?” or “Do you mean…?” to confirm meaning and keep the conversation clear.
Do fill-in-the-blanks, sentence completion, and synonym/antonym matching to reinforce patterns and expand word choice.
Study common task types (reading comprehension, short writing, gap-fill, brief speaking responses) and practice them under timed conditions to build accuracy and pacing. You can also try practice tests to get used to the format of a specific test, like PTE.
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