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

PTE Author
PTE Author
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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.

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    • An official transcript  

    • A degree or diploma  

    After you’ve got one of these, you need to apply for a PGWP within 180 days.  

    Instructions for exactly how to apply depending on whether you’re applying from inside or outside Canada. You can find the step-by-step instructions on the Government of Canada website – including an official guide and a document checklist.  

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    It costs $255 CAD to apply for a PGWP. Processing times differ, but it can take up to 73 days to be approved on average. However, the good news is that many graduates can work while they’re waiting on a decision.  

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    Check out our blog: How to choose international student accommodation in the UK.

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    Canada’s famous coffee chain, Tim Hortons, is by far the most prevalent coffee shop in the country. There are more than 5000 Tim Hortons restaurants worldwide (and the big majority of them are in Canada!). 

    3. Snow Removal/landscaping 

    What you could make: $20 CAD/hour on average across Canada 

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    4. Sales assistant  

    What you could make: $17 CAD/hour on average across Canada 

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    What you could make: $12.20 CAD/hour on average across Canada 

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    6. Tour guide  

    What you could make: $15.50 CAD/hour on average across Canada 

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    7. Dog walker  

    What you could make: $13 CAD/hour on average across Canada 

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    8. Teaching assistant  

    What you could make: $25.15 CAD/hour on average across Canada 

    Being a teaching assistant is a popular job for university students in Canada - especially since it’s a position that gives you professional experience in your industry. As a teaching assistant you’ll help with lectures, marking, and support students in their studies, and professors usually require you to be a graduate student or have experience in the course.   

    9. Residence advisor 

    What you could make: about $7500-$9000 CAD/2 semesters  

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    10. The National Research Council Student Employment Program  

    What you could make: $563-$1274 CAD/week (when working full time) 

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    How many hours can I work? 

    If you are a full-time student at a designated learning institution, you can work up to 20 hours each week off-campus during the semester. Then, during scheduled breaks (like during summer vacation) you can work full time. Unlike in the UK, you can also be self-employed as an international student in Canada.  

    You might be interested in our blog: How to apply for a Canadian student visa 

    Where should I look for work?  

    There are plenty of websites that can help you look for work in Canada. The Government of Canada’s Job Bank is designed specifically for people aged 15-30 to look for both full-time and part-time jobs. There are also websites like IndeedWorkopolis, and Monster.  

    Overall, there are many job opportunities for international students in Canada. And after you graduate, you can also apply for a Canadian post-graduation work permit – which may allow you to stay in Canada to work for up to three years.  

    Read more about Canada’s post-graduation work permit our blog, and learn more about how PTE Academic can help you succeed in Canada today.