Student guide: What is the cost of living in Canada?

PTE Author
PTE Author
Image - woman on hill in Canada - 800px w
Reading time: 6 minutes

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: 

Accommodation costs by city  

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. 

Toronto  

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.  

Vancouver 

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.  

Montreal 

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. 

Halifax 

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.  

Waterloo 

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.  

Food costs  

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.  

Transportation costs in Canada 

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).  

Entertainment costs 

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)

Insurance costs 

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.  

Hidden costs 

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%.

Infographic- Student guide: What is the cost of living in Canada?

Feeling ready to go to Canada? 

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.

Related Content

  • [Asset] On test day during the test - 800 x 451 - for article use
    Busting the myths about English test centers
    By PTE Author
    Reading time: 5 mins

    By: Dan Doyle, Vice President, Assessments & Certifications, Pearson English Language Learning

    Every day, English tests help decide whether someone can start a new life abroad.

    For those taking a language test as part of a visa or migration process, the stakes couldn’t be higher. These are moments that decide futures, whether it’s studying at university, reuniting with family, or landing a first job overseas. That’s why, for tests like PTE Academic and PTE Core, test centers offer a secure, accurate, and trusted experience that governments can rely upon.

    But a few myths still persist, so let’s set the record straight.

    Myth one: “Test centers aren’t that secure”

    Reality: a test center environment provides security that starts before the test begins:

    • Biometric ID checks. Every test taker must show valid ID (like a passport) and confirm their identity with photos, palm-vein scans, and digital signatures.

    • Physical security checks. Trained staff check clothing and personal items before entry, stopping hidden notes or unauthorised materials from getting in.

    Once the test has begun, test centers combine secure-by-design exams with digital and human supervision to create a secure, fair environment:

    • Unique exams. Every PTE test is different. No two test takers get the same questions, and proctors can’t access the content.

    • Secure systems. The test runs on software and hardware fully controlled by Pearson, so it can’t be tampered with.

    • Multiple cameras, full visibility. Test centers use wide-angle CCTV to monitor the entire room.

    • Proctors in the room. Trained staff can spot hidden notes, off-screen help, and respond to anything suspicious straight away.

    Myth two: “Test centers rely on human proctors”

    Reality: human proctors play a key role, but they’re just one piece of what makes test centers secure.

    Test centers provide multiple types of security and supervision, all managed by the testing body — not the student — making them the most secure testing environment.

    As well as cameras, test centers can provide identity verification, physical checks, and in-person supervision needed for a high-stakes test.

    This real-time, multi-layered monitoring means if anything suspicious is flagged, a full investigation can be carried out centrally by Pearson, using CCTV footage, audio, AI checks, and human review.

    Myth three: “Test centers can’t detect cheating afterwards”

    Reality: Pearson carefully analyses every single test result using a combination of AI and trained human experts.

    After the test is completed, it goes through fraud analytics to identify unusual patterns or behaviours. If anything looks suspicious, the result is placed on hold and reviewed in detail by our security experts before it’s released.

    A quick summary: how test centers support high-stakes English testing

    • Biometric checks to confirm identity

    • Physical security checks to ensure no materials enter the test

    • Randomised computer-based test content for every candidate

    • Multiple cameras and full-room visibility

    • Real-time supervision by trained staff

    • AI and human experts working together to spot unusual patterns

    • A consistent environment and equipment for all test takers

    These measures make sure that every candidate has the same opportunity to succeed, and every institution can rely on the result. Behind every test is someone with a dream of a new life abroad, and PTE has the great privilege of helping them get there.

    Want to know more?

    Take a look at our latest PTE security whitepaper.

  • Flinders Street Station Melbourne
    Where to live in Australia: your guide to relocating Down Under
    By PTE Author

    Endless beaches, world-class coffee, and… spiders the size of dinner plates (?) — Australia really does have it all! Thinking about making the move to the Land Down Under? Well, grab your sunscreen and let's explore the best places to call home in Australia.

    Melbourne: the hipster haven

    If laneway cafes, vibrant street art, and sipping artisanal coffee while wearing all black are your thing, Melbourne is your Southern Hemisphere soulmate.

    Consistently ranked as one of the world’s most liveable cities, Melbourne’s thriving arts and music scenes, paired with endless brunch spots serving smashed avo on toast, keep the vibe electric.

    With its unpredictable weather and famous tram network, Melbourne is a quirky yet sophisticated hub that never goes out of style.

    Sydney: the showstopper

    Sydney dazzles with its iconic Opera House and Harbour Bridge, but there’s so much more to this multicultural metropolis.

    From the golden sands of Bondi Beach to bustling neighborhoods like Newtown and Surry Hills, Sydney combines natural beauty with urban excitement. A magnet for international students and professionals, the city boasts fantastic job opportunities and a lively social scene.

    Just prepare for housing prices that might rival your love for flat whites – but the unbeatable lifestyle makes it worth every cent.

    Brisbane: the sunny sweetheart

    Brisbane is a laid-back city that deserves more love. With over 300 days of sunshine each year, it’s a paradise for those who prefer a more relaxed pace without sacrificing big-city perks.

    The South Bank precinct offers riverside dining, cultural attractions, and a man-made beach, while nearby adventures like Moreton Island and the Gold Coast are just a short trip away.

    Perth: the isolated gem

    Perth may be one of the most isolated major cities in the world, but it’s worth the extra travel time for the quality of life.

    With pristine beaches, sunny weather, and a booming economy, this Western Australian city has it all. Weekend wine tastings in the Swan Valley or trips to the quokka-filled Rottnest Island are local favorites.

    Plus, with world-class universities and a vibrant arts scene, Perth proves that being far from everything can be a blessing in disguise.

    The Gold Coast: the eternal summer

    If you dream of an endless summer filled with surfing, sunshine, and stunning beaches, the Gold Coast will be your ultimate playground.

    Known for its laid-back spirit, you’ll find a booming food scene, thrilling theme parks, and lush hinterlands perfect for hiking, as well as the famous 3 km-long “Surfers Paradise”.

    The Gold Coast offers a year-round vacation vibe without compromising on modern conveniences.

    Adelaide: the festival city

    Adelaide may be quieter than some of its bigger siblings, but don’t underestimate its charm.

    Known as the “Festival City,” Adelaide comes alive with events like the Adelaide Fringe and WOMADelaide. Its surrounding wine regions, including the Barossa Valley, are world-class, and the city’s low cost of living is a bonus.

    Whether you’re enjoying fresh produce at the Adelaide Central Market or swimming with dolphins off the coast, Adelaide combines culture, nature, and affordability into one appealing package.

    Canberra: the sophisticated sister

    Often overshadowed by Sydney and Melbourne, Australia’s capital city quietly holds its own with top-tier universities, abundant job opportunities, and a clean, green aesthetic.

    Canberra’s museums, galleries, and parks make it a cultural treasure trove, while its thriving food scene keeps locals happy. Sure, there are plenty of roundabouts, but that just adds to the city’s unique charm.

    With a focus on education, career growth, and quality of life, Canberra is a sophisticated choice for those who value stability and style.

    Relocating to Australia

    Moving to Australia isn’t just about picking a city—it’s about embracing a lifestyle that offers both opportunity and belonging. When we talked to people who’d made the move, 90% of respondents report that they feel welcome in Australia and 81% say they have access to opportunities that aren’t available in their home countries.

    If you’re planning to make the move Down Under, we’re here to make sure you have a worry-free start. PTE Academic is accepted by 100% of Australian universities and colleges, and it’s valid for all migration visas.

    It’s the faster, fairer, simpler test that opens the door to your Australian adventure — no matter which city you choose to call home.

  • women-laughing-in-snow
    Where to live in Canada: your ultimate guide to finding your perfect slice of the Great White North
    By PTE Author

    Looking to make the land of mountains and maple syrup your home? From bustling cities to charming small towns, Canada offers something for everyone. Whether you’re planning to study in one of Canada’s top universities or you’re a skilled worker looking to build your career, here’s our guide to finding the perfect place to call home.

    The big players: Canada's metropolitan powerhouses

    Moving to Canada doesn’t mean choosing between city life and nature. Many of Canada’s major cities have stunning views right on their doorstep. You’ll pay more for living in Canada’s biggest cities, but you’ll also enjoy a thriving international community and endless things to do.

    Toronto: foodie heaven

    The capital of Ontario is home to the postcard-famous CN Tower and more food options than you can count. Toronto is perfect for career-focused individuals who love a fast-paced lifestyle.

    It’s also where you’ll find the top university in the country Toronto University.

    Vancouver: nature meets city chic

    Nestled between mountains and the Pacific Ocean, Vancouver is a dream for nature lovers who crave urban sophistication.

    This West Coast gem offers endless outdoor adventures, from skiing Grouse Mountain to kayaking in English Bay, all just minutes from downtown.

    The city’s diverse neighborhoods buzz with cultural flair, boasting a thriving arts scene, world-class dining, and bustling markets Granville Island.

    Montreal: bilingual beauty

    Craving croissants and culture? Montreal's got you covered! This bilingual city offers the perfect blend of Old World charm and New World opportunities.

    The rent is surprisingly reasonable (by big city standards), and the poutine is a must-try for any foodie.

    For the budget-conscious: hidden gems

    Canada’s not just about the big three — there are many beautiful places just a step or two off the beaten path that can help you save money while building your new life in Canada. Keep in mind that the further north you go, the colder it will get!

    Halifax: ocean views without big bills

    Over in eastern Canada, this Atlantic port city offers a perfect blend of history, culture, and natural beauty. Stroll along the bustling Halifax Waterfront, where historic warehouses have been transformed into shops, cafes, and galleries. Fresh seafood is a local specialty, with countless restaurants serving up everything from lobster rolls to fish tacos.

    Warm summers call for a visit to Chocolate Lake Beach or a ferry ride to explore picturesque Dartmouth. With friendly locals, excellent universities, and a laid-back vibe, Halifax is a seaside haven that won’t break the bank.

    Winnipeg: an arty escape

    At the meeting point of the Red and Assiniboine rivers, Winnipeg shines as the vibrant capital of Manitoba.

    This prairie city punches well above its weight in culture, with events like the Winnipeg Folk Festival and the Royal Winnipeg Ballet keeping locals entertained year-round, while the Exchange District’s stunning architecture houses buzzing cafes, art studios, and theatres.

    Winter doesn’t dampen the spirit here — it’s embraced with outdoor skating trails and the enchanting Festival du Voyageur. With nearly 800,000 resilient residents and an affordable cost of living, Winnipeg offers both creativity and community to those willing to brave its long winters.

    For the career-focused: cities of opportunity

    From oil workers to healthcare professionals, there are many opportunities to further your career in Canada. Good news for professionals looking to relocate to Canada: PTE Core is now accepted for all economic migration visas, making your journey to Canada smoother than a frozen lake in January! Take a look at these career-friendly cities.

    Calgary: where oil money meets mountain air

    In the heart of Alberta, Calgary is a booming city where opportunity meets outdoor adventure. With a thriving energy sector powering its economy, this city attracts professionals seeking lucrative careers.

    On weekends, trade your desk for the Rocky Mountains, just an hour’s drive away, offering hiking in the summer and skiing in the winter. The Calgary Stampede brings cowboy vibes, while its modern downtown and craft breweries keep it contemporary.

    And here’s the cherry on top: no provincial sales tax means your hard-earned dollars go even further.

    Ottawa: government jobs and gorgeous falls

    As Canada’s capital, Ottawa combines political prominence with a charming, laid-back vibe. Jobs in federal government and high-tech industries ensure stability and competitive salaries.

    History buffs will love Parliament Hill, while nature lovers can take in stunning views at nearby waterfalls or bike along the scenic Ottawa River Pathway. Winter transforms the iconic Rideau Canal into the world’s largest skating rink, perfect for a commute on blades.

    With bilingual culture, excellent schools, and lush green spaces, it’s easy to see why Ottawa consistently ranks as one of the best places to live in Canada.

    For the culture vultures: cities with a creative side

    Quebec City: culture & croissants

    Quebec City brings a slice of Europe to Canada with its cobblestone streets, centuries-old French architecture, and a vibrant cultural scene. The Old Town, a UNESCO World Heritage site, is a picturesque maze of charming shops, cafes, and bistros where you can savor fresh croissants and classic poutine.

    Festivals like Carnaval de Québec keep the city buzzing, while local art galleries and theaters celebrate its Francophone heritage. Brushing up on your French will make it easier to enjoy the warm, welcoming community and embrace the city’s distinct identity, making Quebec City a top pick for lovers of culture and history.

    Victoria: British vibes with Pacific views

    Victoria, British Columbia’s capital, blends Old World charm with laid-back West Coast flair. This picturesque city is rich in culture, offering everything from afternoon tea at the historic Empress Hotel to world-class museums and galleries.

    Its stunning harbor is a hub for whale-watching tours, while Beacon Hill Park’s gardens and trails provide a serene escape. Foodies will love the farm-to-table restaurants, craft breweries, and seafood straight from the Pacific.

    Moving to Canada

    Whether you’re in search of a top student experience or the perfect place to build a career, Canada has a spot you can call home. Wherever you choose, remember to embrace the local culture, buy a good winter coat, and never, ever say you prefer American beer!

    Ready to make the move? PTE is the stress-free way to start your Canadian adventure.

    With PTE Academic accepted by 98% of Canadian universities and PTE Core accepted for all economic migration visas.

    Find out why PTE is the faster, fairer, simpler choice for your move to Canada.