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

  • Image- student at class 800px
    Reviewing Test Performance
    By PTE Author
    Reading time: 2 minutes

    If you have completed PTE Academic, you would know by now that it is scored against the Global Scale of English and that you need to practice many skills for each part of the test: Speaking & Writing, Reading, and Listening.

    After completing PTE Academic you will receive an email notification that your results are available online. Typically within 2 days. Learn how to access your Score Report.

    What does my Score Report mean?

    When you receive your Score Report it will show you your overall score, which is based on your performance across all test items. Your communicative skills that are measured are listening, reading, speaking and writing.

    This is an example of what your Score Report may look like.

    The enabling skills are those skills that are required to fulfill the question types in the test. It’s important to know what each of these skills refers to.

    Grammar

    Correct use of language with respect to word form and word order at the sentence level.

    Oral Fluency

    Smooth, effortless and natural-paced delivery of speech.

    Pronunciation

    Production of speech sounds in a way that is easily understandable to most regular speakers of the language. Regional or national varieties of English pronunciation are considered correct to the degree that they are easily understandable to most regular speakers of the language.

    Spelling

    Writing of words according to the spelling rules of the language. All national variations are considered correct, but one spelling convention should be used consistently in a given response.

    Vocabulary

    Appropriate choice of words used to express meaning, as well as lexical range.

    Written Discourse

    Correct and communicatively efficient production of written language at a textual level. Written discourse skills are represented in the structure of a written text, its internal coherence, logical development, and the range of linguistic resources used to express meaning precisely.

    How do I identify my areas of weakness?

    From the visual graph on your Score Report, you will be able to see areas you need to improve on. You should aim to develop your core (enabling) skills required across all areas of the test.

    The following resources will help you develop your enabling skills:

    How can I improve in each part of the test?

    It’s also worth focusing on particular parts of the test or questions you think you had trouble with. The following articles may help you improve your skills across questions:

    If you don’t already have one, it’s recommended to work with an English teacher to work through areas that may need improvement.

    Good luck!

  • Image- A guy with headphones and laptop
    Listening: Self-Improvement Part 1
    By PTE Author
    Reading time: 3 minutes

    After working through the strategies to improve your English listening skills, you can work on specific areas of the test. In this part, you will need to apply a number of listening and writing skills.

    Below are improvement tips on the question types that combine writing and listening skills.

    Summarize Spoken Text

    In the Summarize Spoken Text questions you will be scored on content, form, grammar, vocabulary, and spelling.

    Content and Form

    Make sure you write a good, clear summary of all the key points in the text and also condense the most important supporting points.

    In this question, you will not be given the context of the recording before it starts. Make sure to listen carefully from the start to help understand the context and the information given.

    Some helpful tips for the content and form, to maximize your score are:

    • Take notes on your Erasable Noteboard Booklet or in the response box on the screen

    • Do not try to write down sentences (you will not have enough time)

    • Use symbols and abbreviations in your notes

    • Write down key points and their relationships with others

    • Start with an overview sentence to introduce your summary

    • Use cohesive devices to link the information as you write

    • Try to write between 50 and 70 words

    Overall, make sure you summarize the text in your own words as this will show that you have understood the purpose of the text. If you do not write in your own words, you will score zero for content.

    If you write less than 40 or more than 100 words, you will score zero.

    Grammar

    It is important that grammar is correct as you will be tested on sentence structure, punctuation and capitalization.

    Try not to be too ambitious with your grammar to avoid making mistakes. Try to use grammatical structures you feel comfortable with.

    In this question type you should:

    • Communicate meaning clearly and concisely

    • Use complex sentences where possible to score more points

    • Write sentences between 18 and 30 words – long sentences are hard to control grammar

    • Check your response for common errors before submitting

    Vocabulary and Spelling

    You will score points if you use the correct and appropriate vocabulary in the Summarize Spoken Text question type. Use words from the recording if you use them appropriately, however, try to use synonyms to replace words already used.

    You will also need to make sure to spell every word correctly to receive maximum points. Try to type as carefully as possible during this question. If you can not remember how to spell a word, guess as it is better to include the word than leave it out, even if it is incorrect.

    Don’t forget to use the space bar to show the end of each word.

    Write from Dictation

    Another question that tests both listening and writing is the Write from Dictation question type.

    In this question type, you will need to write the words in the correct order with the correct spelling in order to score points.

    Before the recording starts, place your cursor in the response box and get ready to type as soon as you hear the recording. Make sure to reproduce what you hear exactly as you heard it as the recording will only be played once.

    Remember to start the sentence with a capital letter and end it with a full stop (period).

    Type as you hear it and when finished, check for any mistakes. Always make sure that to read over your answer before clicking next.

    Continue improving your listening skills by reading our Listening: Self-Improvement Part 2 article.

  • Image- A guy with headphone 1080px
    Listening: Core English Skills Part 1
    By PTE Author
    Reading time: 3 minutes

    The last part of PTE Academic, Part 3: Listening, requires a large combination of core skills.

    The very first skill you will need to develop involves how you listen (listening methods).

    Below, is information on different types of listening and where you may need to use them during PTE Academic.

    Listening Methods

    Predicting

    One of the listening methods you will need to develop is predicting. Before listening, most people will have some idea about what they are going to listen to and prepare themselves for it. They predict.

    It helps to think about the recordings before you hear it spoken, it helps you listen more effectively.

    This listening method will help during Select Missing Word questions as the topic of the text you listen to is given in the instructions. It will also help in the Re-tell Lecture questions as the image will give you an idea of the general context of the listening text.

    Listening for Gist

    Listening for ‘gist’ will allow you to understand the general meaning of a text quickly. When someone is talking, listen in a general way and think about what the speaker is trying to communicate and how they might feel about the topic based on their tone of voice.

    When practicing, try to listen for the gist before listening for a second time more intensively for specific information.

    This reading method will help in the Multiple-choice, Choose Multiple Answer and Multiple-choice, Choose Single Answer questions. Remember in PTE Academic you can not replay the listening track.

    Listen for Specific Information

    You will also need to be able to listen effectively to find specific information. This is more detailed listening and is often used when you need to answer comprehension questions. You first need to understand what information you are looking for in the text.

    When practicing, if you listen to a text that does not have questions write some yourself. Questions that may help could be:

    • What happened?

    • When did it happen?

    • Where did it happen?

    • Why did it happen? Or, why did it happen in this way, and not another way?

    While listening for specific information, you should listen for synonyms and paraphrasing to match the meaning of the text with the meaning of the questions.  This is because you will not hear the exact words in the question.

    Listening to Infer Meaning

    At times you can understand what the speakers are saying by inferring meaning, as the information is not always stated by the speakers.

    To infer meaning, you need to listen for clues in the text or use general knowledge to guess the meaning of what the speakers are saying. Do this by working out the relationship between the speakers, the tone of voice or the words they use.

    You may need to use this listening method in the Multiple-choice, Choose Multiple Answer and Multiple-choice, Choose Single Answer questions.

    In addition to listening methods, you will also need to understand how words are pronounced on their own and together in a sentence. Read more about pronunciation in Part 2 of Core English Skills.

    Want more prep ideas?

    Explore Smart Prep, which combines all our practice materials in one place, so it's easier for you to stay on track with your PTE preparation.

    • Smart Prep is a clear path to test day, guiding you through the official paid and free resources available for your test

    • It can be accessed whether you’ve booked a test or not – just create, or sign in to your myPTE account

    • Preparation materials include guided practice tests, introductory videos, video courses and test tips.

    Ready to get started?