Cost of Living Comparison: Canada vs United States in 2025
24 April 2025
Thinking about relocating to North America? Whether you’re choosing between the U.S. or Canada for work, study, or family, understanding the cost of living is key to making the right decision.
In this 2025 comparison, we break down the essential categories — from housing and healthcare to groceries and taxes — to help you decide which country offers the best value for your lifestyle.
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1. Housing Costs
| Type | Canada (avg.) | United States (avg.) |
|---|---|---|
| 1-Bedroom Apartment (City Center) | $1,750 CAD | $1,700 USD |
| 3-Bedroom Apartment (Outside City) | $2,300 CAD | $2,400 USD |
Insight:
Canada’s rental prices are on par with mid-tier U.S. cities, but major cities like Toronto and Vancouver are now nearly as expensive as New York or San Francisco.
✅ Tip: Housing is generally more affordable in mid-sized Canadian cities like Calgary or Halifax.
2. Groceries & Daily Essentials
| Item | Canada | United States |
|---|---|---|
| Milk (1L) | $2.50 CAD | $1.20 USD |
| Bread (loaf) | $3.20 CAD | $2.50 USD |
| Eggs (12) | $4.00 CAD | $2.80 USD |
| Monthly groceries (1 adult) | ~$400 CAD | ~$300 USD |
Insight:
Groceries are generally 10–20% cheaper in the U.S., especially in suburban areas.
3. Taxes
- Canada: Higher income taxes, but includes universal healthcare.
- USA: Lower income taxes in many states, but you’ll likely need private health insurance.
| Category | Canada | United States |
|---|---|---|
| Income Tax (avg.) | 20–33% | 10–30% (plus state taxes) |
| Sales Tax | 5–15% (varies by province) | 0–10% (varies by state) |
Insight:
You may pay more upfront in Canada, but you get more government-provided services (especially healthcare and education subsidies).
4. Healthcare
- Canada: Free at point of service for residents; no co-pays or deductibles.
- USA: Heavily privatized, with average monthly premiums around $500–$600 USD for individuals.
Insight:
Healthcare is significantly more affordable in Canada — but wait times for specialists can be longer.
5. Transportation
| Category | Canada | United States |
|---|---|---|
| Gasoline (per liter) | $1.70 CAD | $1.10 USD |
| Monthly Transit Pass | $100–$130 CAD | $70–$120 USD |
Insight:
Gas and car ownership are cheaper in the U.S., but public transport systems are often more developed in major Canadian cities.
Which Is More Affordable in 2025?
If you’re moving for affordable healthcare, a social safety net, and a clean environment, Canada is a strong choice.
If you’re looking for cheaper day-to-day living, lower taxes, and diverse city options, the U.S. may be more suitable — especially in lower-cost states.
Need Help Planning Your Move?
Whether you’re relocating to Canada or the U.S., our expert immigration consultants at Simard & Associates can help you compare your options and navigate the visa process with ease.
Why You Should Choose Simard & Associates as Your Immigration Lawyer?
At Simard & Associates, we bring expertise, dedication, and a personalized approach to every immigration case. With a proven track record of success, we guide you through the complexities of immigration law with confidence and care. Our team is committed to providing tailored solutions, ensuring your application process is smooth, efficient, and stress-free. Whether you’re pursuing residency, citizenship, or visas, Simard & Associates is your trusted partner for achieving your immigration goals.
For more details & questions, Kindly contact us and one of our Immigration Consultant & Immigration Lawyers will respond to you.
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Simard & Associates helps clients apply for citizenship and residence under the applicable programs. To schedule an initial free consultation, get in touch with us.
