Living in Toronto

Toronto, Canada, about 2,794,356 people. What you would earn and keep, the climate month by month, and every open figure we hold, each with its source, period and licence.

Weigh Toronto against other cities, with your own numbers

Key facts

• Toronto has about 2,794,356 residents (GeoNames).
• On a gross salary of CA$94,000 a year, an employee in Toronto takes home about CA$70,011 a year (CA$5,834 a month) after income tax and employee contributions, an effective rate of 25.5% (Canada 2026 rules). Ontario: surtax, tax reduction and Health Premium included; no LIFT credit or Ontario Trillium Benefit.
• A one-bedroom home in Toronto rents for about CA$1,761 a month (metro area figure; CMHC Rental Market Survey: average rents (Statistics Canada table 34-10-0133-01), Canada Mortgage and Housing Corporation, 2025-10).
• In Toronto the average daily high (air temperature in the shade) peaks at 26.2 °C in July and the average daily low falls to −7.4 °C in February (Historical weather (ERA5 reanalysis), Open-Meteo, 2021-2025).
• Toronto has about 46 nice days a year, days that are dry, mostly clear and feel 18 to 30 °C on average from 8 am to 8 pm, most of them in August (12) (Historical weather (ERA5 reanalysis), Open-Meteo, 2021-2025).
• Between 2021 and 2025 the air in Toronto reached 35.9 °C at its hottest and −25.1 °C at its coldest (Historical weather (ERA5 reanalysis), Open-Meteo).
• It rains or snows (at least 1 mm) on about 126 days a year in Toronto (Historical weather (ERA5 reanalysis), Open-Meteo, 2021-2025).
• The shortest day in Toronto lasts 8 h 55 min and the longest 15 h 27 min (computed from latitude).
• Fine dust (PM2.5) in Toronto averages 9.4 µg/m³ a year, 1.9 times the WHO guideline of 5 µg/m³ (WHO Ambient Air Quality Database v8.0 (2026), World Health Organization, 2023).
• Everyday prices in Canada sit at 90.2 on an index where the United States is 100 (World Development Indicators, World Bank, 2025).
• Life expectancy at birth in Canada is 82.1 years (World Development Indicators, World Bank, 2024).
• Canada records 1.98 intentional homicides per 100,000 people a year (World Development Indicators, World Bank, 2023).
• Only citizens of Canada can live and work in Toronto without a visa or permit; everyone else needs one.

What you would take home

Employee, single, wages only: federal tax with basic, CPP/EI and employment credits, CPP or QPP, EI, QPIP, plus provincial tax for Ontario, British Columbia and Quebec. Rules for 2026. Sources: CRA: tax rates and income brackets 2026, CRA: indexation adjustment for personal income tax amounts, CRA: CPP contribution rates, maximums and exemptions, CRA: second additional CPP (CPP2) rates and maximums, CRA: EI premium rates and maximums, CRA: T4127 payroll deductions formulas, 122nd edition (January 2026).

• An RRSP contribution set as your pension share is deducted within this year's room; no union dues, GST/HST credit, Canada Workers Benefit or other refundable credits.
• One employer for the whole year: contributions stop at the yearly maximums.
• Ontario: surtax, tax reduction and Health Premium included; no LIFT credit or Ontario Trillium Benefit.

A month in Toronto

Assumed: one person, €60,000 gross a year, renting a one-bedroom home, and everyday spending of €1,200 a month in Lisbon scaled by each country's price level. These are the app's defaults; change any of them there.

Who can live and work here freely

• Citizens of Canada.
• Everyone else needs a visa or permit.

Climate

Daylight is computed from latitude: the shortest day lasts 8 h 55 min, the longest 15 h 27 min.

Every figure

No open figure yet for: your childcare cost, health insurance premium, public swimming pools (official), green urban areas (official), commuting by public transport, commute time, monthly transit pass, road deaths, born abroad, walking or cycling to work. A country-wide figure is marked as such where it stands in for the city.

Compare Toronto with

• Toronto vs Austin
• Toronto vs Boston
• Toronto vs Chicago
• Toronto vs Miami
• Toronto vs Montreal
• Toronto vs New York
• Toronto vs Vancouver

Elsewhere

Sources we link to but do not copy, because their licences forbid it.

• Numbeo: cost of living in Toronto
• WeatherSpark: year-round weather in Toronto
• Wikipedia: Toronto

Credits

• Borgo contributors, from the statutes cited in each figure's note (CC BY 4.0)
• Unicode CLDR territory information. Copyright © 1991-2026 Unicode, Inc. Used under the Unicode License v3 (https://www.unicode.org/license.txt) (Unicode License v3)
• Source: Canada Mortgage and Housing Corporation (CMHC), Rental Market Survey, average rents, October 2025, via Statistics Canada table 34-10-0133-01. This information is reproduced and distributed on an "as is" basis with the permission of CMHC. Redistributed under CMHC's Licence Agreement for the Use of Data: anyone receiving these figures agrees to be bound by its terms. Not covered by Borgo's CC BY 4.0 licence. (CMHC Licence Agreement for the Use of Data)
• Borgo contributors, from the statutes cited in each figure's note (CC BY 4.0)
• Founders Running Club communities list (facts of presence and links only) (No licence from the publisher: only facts of presence are stored)
• Places, coordinates, populations and time zones from GeoNames (geonames.org), CC BY 4.0 (CC BY 4.0)
• GHS-UCDB R2024A, European Commission, Joint Research Centre, CC BY 4.0, doi:10.2905/1a338be6-7eaf-480c-9664-3a8ade88cbcd; Borgo derives the distance from the centre to the urban centre's edge Shores and lakes from Natural Earth (public domain) decide which directions lead on to land. (CC BY 4.0)
• Counts of GitHub profiles by stated location, from GitHub's public user search (counts only, no profile data) (No data licence from the publisher: only total counts are stored, no record about anyone, as its terms allow public, non-personal information in openly published research)
• Borgo contributors, from the labour codes cited in each figure's note (CC BY 4.0)
• Source: Meteostat (meteostat.net) and its data providers (dev.meteostat.net/providers), CC BY 4.0 (CC BY 4.0)
• The M-Lab NDT Data Set, 2023-01-01–2023-12-31. https://measurementlab.net/tests/ndt (CC0 1.0 (public domain dedication))
• Public holidays from Nager.Date (date.nager.at), MIT License, Copyright (c) Nager (MIT License)
• Made with Natural Earth (public domain) (Public domain (dedicated by the publisher))
• OECD (2026), Net childcare costs, OECD Tax-Benefit Models, https://www.oecd.org/en/data/indicators/net-childcare-costs.html Reusers must cite the OECD as above and pass this acknowledgement requirement on to anyone they share the data with. (OECD terms for data: any use, with the OECD citation passed on)
• OECD (2026), OECD Family Database, PF2.1 Parental leave systems, https://www.oecd.org/en/data/datasets/oecd-family-database.html Reusers must cite the OECD as above and pass this acknowledgement requirement on to anyone they share the data with. (OECD terms for data: any use, with the OECD citation passed on)
• OECD (2026), OECD Well-being Database (How's Life?), https://www.oecd.org/en/data/datasets/well-being-database.html Reusers must cite the OECD as above and pass this acknowledgement requirement on to anyone they share the data with. (OECD terms for data: any use, with the OECD citation passed on)
• Weather data by Open-Meteo.com (https://open-meteo.com/), CC BY 4.0 Contains modified Copernicus Climate Change Service information 2021-2025. Neither the European Commission nor ECMWF is responsible for any use that may be made of the Copernicus information or data it contains. (CC BY 4.0)
• OpenAlex (openalex.org), CC0 (CC0 1.0 (public domain dedication))
• © OpenStreetMap contributors, ODbL 1.0 (https://www.openstreetmap.org/copyright) (Open Database License 1.0)
• © OpenStreetMap contributors, ODbL 1.0 (https://www.openstreetmap.org/copyright) (Open Database License 1.0)
• Airports from OurAirports (ourairports.com), public domain (Public domain (dedicated by the publisher))
• Borgo contributors, from official election results and ParlGov party positions (Döring, Huber and Manow, ParlGov 2024 release, CC0) (CC BY 4.0)
• Research Organization Registry (ror.org), CC0 (CC0 1.0 (public domain dedication))
• Terrain Tiles on AWS Open Data (Mapzen, a Linux Foundation project): SRTM and GMTED2010 terrain data courtesy of the U.S. Geological Survey; ETOPO1, U.S. National Oceanic and Atmospheric Administration; Canada terrain data contains information licensed under the Open Government Licence – Canada (Terrain Tiles source terms: public domain (USGS, NOAA) and Open Government Licence – Canada, with attribution)
• World Health Organization, WHO Ambient Air Quality Database (Version 8.0), 2026, accessed 2026-10-27; data provided by the national and regional agencies named in each value's note WHO does not endorse Borgo, its use of these data, or any city ranking built from them. Values are as published by WHO; WHO advises against using the database to rank cities or compare countries directly, because monitoring differs between places. (WHO terms and conditions for data compilations)
• World Bank, World Development Indicators, CC BY 4.0 (underlying sources named in each figure's note: ICP, IMF, UNODC, UN Population Division, WHO, ILO, UNESCO Institute for Statistics) (CC BY 4.0)
• World Bank, Worldwide Governance Indicators, Control of Corruption estimate, CC BY 4.0 (CC BY 4.0)

Cite this page

Borgo, “Living in Toronto”, https://borgo.abcastor.com/city/toronto-ca/, figures as of 2026-11-05. Please also name the original source of any figure you use; each is listed above with its licence. Data: toronto-ca.json.