Toronto vs Montreal, 2026

The short answer

Montreal is cheaper to rent in, to buy in and to put a young child in daycare. Toronto has less police-reported crime, a milder winter and a much bigger job market, though Montreal's unemployment rate is lower. Property tax on the same assessment comes out close, and Montreal's depends on the borough. Each card shows the number behind the call.

1. Cheaper rent

   Montreal

   A two-bedroom in a purpose-built apartment rented for an average of $1,346 a month in the Montreal metro area in October 2025, against $2,046 in Toronto's.^1,2 Listings this spring showed a wider gap: $1,820 against $2,650 in the second quarter of 2026.^3,4

   $700Less a month for a two-bedroom, Oct. 2025
2. Cheaper homes

   Montreal

   The median condo sold for $476,500 on the Island of Montreal in September 2026 and the median condo apartment for $535,000 in the City of Toronto. The gap is far wider for houses.^5,6

   $58,500Lower median condo price (our calculation)
3. Cheaper daycare

   Montreal

   A subsidized daycare space costs $9.65 a day in Quebec in 2026. Ontario caps fees in enrolled programs at $22 a day.^7,8

   $3,223Less a year per child, 261 days (our calculation)
4. Lower crime

   Toronto

   Toronto's Crime Severity Index was 54.99 in 2025 and Montreal's 61.29. Both sit below Canada's 75.01.⁹

   54.99Crime Severity Index, vs 61.29 in Montreal
5. Milder winter

   Toronto

   January averages −5.0°C at Toronto Pearson and −9.2°C at Montreal's airport. Montreal gets 216.6 cm of snow in a typical year, Toronto 114.5 cm.^10,11

   4.2°CMilder January average (our calculation)
6. Jobs: split

   Montreal for the rate, Toronto for the size

   Unemployment averaged 6.3% in Montreal and 6.8% in Toronto over June to August 2026.¹² Toronto-region employers had 89,210 vacant jobs in the second quarter of 2026, against 33,470 in the Montréal region.¹³

   6.3%Montreal unemployment, vs 6.8% in Toronto

Toronto vs Montreal: the full scorecard

Twenty-three measures, newest data we could find for each. Most figures cover the metro area, the city plus the suburbs around it, because that is how Statistics Canada and CMHC report. Home prices cover the City of Toronto and the Island of Montreal, and property tax covers each city itself. On a phone, swipe the table sideways.

Metro area means Statistics Canada's census metropolitan area. Rents are CMHC's survey of purpose-built apartments (what tenants pay) and Statistics Canada's experimental listing data (what new tenants are asked). Home prices are medians from TRREB and QPAREB, which are industry bodies; the two boards group houses differently. Property tax uses Toronto's 2026 total residential rate and Montreal's 2026 city-wide average rate for buildings with five or fewer dwellings, plus the 2026-2027 Quebec school tax. Toronto's transit figure is the most an adult pays in a month under fare capping. Wages are averages offered in job ads, not wages paid. Climate figures are 30-year normals at each city's main airport. Differences in the Edge column are our calculations.

Monthly cost gap: how much more Toronto costs

Toronto minus Montreal, dollars a month. Daycare uses 261 weekdays a year at each province's regulated fee, divided by 12. Property tax is our calculation for a home assessed at $600,000 in both cities, divided by 12.

• Two-bedroom asking rentQ2 2026 listings+$830
• Two-bedroom average rentCMHC, Oct. 2025+$700
• Daycare, one childregulated fee+$269
• Adult transitfare cap vs pass+$45
• Property tax$600,000 assessment+$18

0$200$400$600$800

Toronto vs Montreal population

Toronto is the bigger city by either count. Statistics Canada estimated 7,108,874 people in the Toronto metro area on July 1, 2025, and 4,597,837 in Montreal's, a gap of 2,511,037.¹⁴ Inside city limits, the City of Toronto had 3,271,830 people and the City of Montreal 1,915,366.¹⁵ More than half the people in each metro live outside the central city: 54% in Toronto's and 58% in Montreal's (our calculation).

Growth has stalled in Toronto. Statistics Canada said the Toronto metro "saw virtually no change in its population (-992; -0.0%)" in the year to July 1, 2025, and lost a net 64,794 people to the rest of Ontario. The Montreal metro grew 0.5%.¹⁶ Since July 1, 2021, the Toronto metro has grown 9.8% and Montreal's 6.2%, by our calculation from the same estimates.¹⁴

Cost of living in Toronto vs Montreal

Renting

Montreal is cheaper at every apartment size in CMHC's October 2025 survey of purpose-built rentals. A one-bedroom averaged $1,131 in the Montreal metro and $1,761 in Toronto's. A two-bedroom averaged $1,346 and $2,046. Across all sizes the averages were $1,290 and $1,913.^1,2 Inside the cities the picture is the same: a two-bedroom averaged $2,055 in the City of Toronto and $1,361 on the Island of Montreal.^1,2

Vacancy rates were close, 3.0% in Toronto and 2.9% in Montreal, and both rose from a year earlier, when they stood at 2.5% and 2.1%.^1,2

Those CMHC figures average what all tenants pay, including people on older leases. If you're moving, current listings matter more. Statistics Canada put the average two-bedroom asking rent at $2,650 in Toronto in the second quarter of 2026, against $2,160 paid by sitting tenants.³ In Montreal, listings asked $1,820 and sitting tenants paid $1,360.⁴ Montreal's asking rent fell 5.2% in a year.³ Statistics Canada says the gap between asking and paid rent comes from "existing lease agreements signed in the past that are subject to price controls in some provinces," and calls these listing figures experimental.³

Set against local income, 12 months of two-bedroom asking rent equals 31.0% of the 2023 median census-family income in Toronto and 20.3% in Montreal (our calculation; the income figures are the latest from tax data).^4,17

Buying

Both real estate boards publish median sale prices each month. In September 2026, the median price for all home types sold in the City of Toronto was $810,000, according to the Toronto Regional Real Estate Board. A detached house had a median of $1,200,000 and a condo apartment $535,000.⁶ Across the board's whole area, prices were falling: TRREB said its MLS® Home Price Index composite benchmark was "down by 4.7 per cent year-over-year."²⁶

On the Island of Montreal, the Quebec Professional Association of Real Estate Brokers reported a median of $779,000 for a single-family home, $476,500 for a condo and $930,000 for a plex of two to five units. For the whole Montreal metro area, the medians were $635,000 for a single-family home and $430,000 for a condo.⁵

The condo gap between the two central cities is modest, $58,500. The house gap is about $421,000, but read it as rough: TRREB reports detached houses separately from semis and row houses, while QPAREB puts all of them in one single-family category.^6,5

Property tax

Toronto's 2026 total residential rate is 0.767311% of assessed value: 0.605295% for the city, 0.153% for Ontario's education tax and 0.009016% for the City Building Fund.¹⁹ Montreal sets a rate for each of its 19 boroughs. For buildings with five or fewer dwellings, the 2026 rate averages $0.6566 per $100 of value across the city, from $0.6229 in Ville-Marie to $0.7403 in Anjou.^20,27 Montreal owners also pay a separate school tax: $0.07899 per $100 for 2026-2027, after an exemption on the first $25,000.²¹

On a home assessed at $600,000 in each city, the 2026 bill would be $4,603.87 in Toronto. In Montreal it would be about $4,394 at the city-wide average rate, including $454 of school tax, and from about $4,192 to $4,896 depending on the borough (our calculations; the school tax figure assumes the provincial adjustment to the assessed value is 1.00).^19,20,21

The same assessment does not mean the same house. Ontario has not reassessed property since 2016: MPAC says assessments for the 2026 tax year "will continue to be based on fully phased-in January 1, 2016 current values."²⁸ Montreal filed a new assessment roll on Sept. 10, 2025, with values up 11.3% on average.²⁰ A Toronto home assessed at $600,000 would therefore sell for more than a Montreal home with the same assessment. Each city's own example bill: Toronto's average home, assessed at $692,140, pays about $5,311.¹⁹ Montreal's average residence, valued at $791,135, pays $5,197 in municipal tax in 2026, up $188 or 3.8%, plus school tax.²⁰

Daycare

Quebec's subsidized daycare costs parents a reduced contribution of $9.65 a day in 2026, indexed each Jan. 1. Non-subsidized centres "set their own rates," which the province says are "generally higher than the reduced contribution."⁷ In Ontario, programs enrolled in the federal-provincial child care system have capped fees at $22 a day since Jan. 1, 2025, which the province says brought the average to $19 a day. "If your licensed child care provider is not enrolled, your fees will not be reduced."⁸

Over 261 weekdays, a full year of care would cost $2,518.65 in a subsidized Quebec space and up to $5,742 in an Ontario program at the cap, a difference of $3,223.35 per child (our calculation). Neither figure tells you how long the wait for a space is.

Everyday prices

Prices rose faster in Montreal: 3.0% in the year to August 2026, against 2.1% in Toronto, by our calculation from Statistics Canada's consumer price index. The gap came mostly from housing costs. The shelter index rose 3.4% in Montreal and slipped 0.5% in Toronto.²⁵ The index tracks change over time inside each city. It can't tell you which city is cheaper.

Jobs and pay in Toronto and Montreal

Toronto's job market is far bigger. Over June to August 2026, 3,777,400 people worked in the Toronto metro and 2,434,800 in Montreal's. Montreal did better on the rates: unemployment was 6.3% against Toronto's 6.8%, and the employment rate, the share of people 15 and older with a job, was 63.3% against 61.9%.¹²

Toronto has closed much of the gap. A year earlier, over June to August 2025, unemployment was 8.8% in Toronto and 6.7% in Montreal.¹² Across all of 2025, the averages were 8.6% and 6.4%.²⁹

We found no Statistics Canada table of average wages paid by city. The closest is the wage employers offer in job ads. In the second quarter of 2026 it averaged $31.55 an hour in the Toronto economic region and $31.45 in the Montréal region. Toronto-region employers were trying to fill 89,210 jobs and Montréal-region employers 33,470, with similar vacancy rates of 2.5% and 2.6%.¹³

The income figures point both ways. Tax data put the median total income of census families at $107,640 in Montreal and $102,570 in Toronto in 2023. That figure is before tax and includes government transfers; the median family received $13,540 in transfers in Montreal and $6,840 in Toronto.¹⁷ Statistics Canada's Canadian Income Survey shows the reverse for 2024 after tax: a median of $117,900 for Toronto economic families and $107,100 for Montreal's.¹⁸ The two sources count families in different ways, and the survey's city estimates carry a margin of error.

None of these city-wide figures tells you much about demand for your own work. Job Bank, the federal job site, publishes wages and outlooks by occupation for each region.³⁰

Crime and safety

Statistics Canada's Crime Severity Index measures "both crime volume relative to the population and the relative severity of all police-reported crimes."³¹ In 2025 Toronto's index was 54.99 and Montreal's 61.29, against 75.01 for Canada. For violent crime alone, the index was 71.57 in Toronto and 92.04 in Montreal, against 97.19 nationally.⁹

Crime Severity Index, 2025

Police-reported crime weighted by seriousness, metro areas. Green bars are below Canada's index for the same measure.

• TorontoOverall · Canada 75.0154.99
• MontrealOverall · Canada 75.0161.29
• TorontoViolent · Canada 97.1971.57
• MontrealViolent · Canada 97.1992.04

0255075100

Both indexes fell in 2025: Toronto's by 7.5% from 59.43, Montreal's by 4.9% from 64.43 (our calculations).⁹ One number for a whole metro area hides big differences between neighbourhoods. Before you sign a lease, look up the area with the local police service.

Weather: Montreal's colder, snowier winter

Montreal's winters are colder and snowier. Environment and Climate Change Canada's 1991-2020 normals put the January daily average at −5.0°C at Toronto Pearson and −9.2°C at Montréal-Trudeau. The daily high stays at or below 0°C on 49.5 days a year in Toronto and 72.8 in Montreal.^10,11

Montreal gets 102 cm more snow in a typical year, 216.6 cm against 114.5 cm, and more rain and snow overall, 1,040.9 mm against 806.8 mm. Summers are close: July averages 22.1°C in Toronto and 21.7°C in Montreal. Toronto has more hot days, with 17.2 a year above 30°C against 10.6.^10,11 Both stations are at airports outside downtown.

Getting around

Toronto has swapped its adult monthly pass for a monthly fare cap. The TTC stopped selling the adult monthly pass on Aug. 31, 2026. Now, once you pay 47 fares in a calendar month with the same card, "the rest of your trips on the TTC in that calendar month are free."²³ At the $3.30 adult PRESTO fare, the most an adult pays is $155.10 a month (our calculation). The Adult 12-Month Pass, which needs a 12-month commitment, costs $143 a month.²²

In Montreal, the STM's adult monthly pass for Zone A, the Island of Montreal, costs $110. A single trip costs $3.75. Trips to and from the métro stations in Laval and Longueuil need an All Modes AB fare instead.²⁴

The two metros commuted in much the same way in the 2021 census. Public transit was the main way to work for 15.6% of commuters in the Toronto metro and 15.3% in Montreal's, and a car, truck or van for 76.0% and 75.6%. More Montrealers walked or cycled, 7.5% against 5.7%. Average commutes took 29.8 minutes in Toronto and 27.0 in Montreal (our calculations of the shares).³² The census ran in May 2021, when "millions of Canadians continued to work from home," so read those numbers as a snapshot of an odd year.³³

Language: French in Quebec

The Quebec government states that "French is not only the sole official language of Québec, but also the common language of the Québec nation." Under the Charter of the French Language, the province says, "the civil administration shall provide its services exclusively in French" since June 1, 2023, "unless it is authorized to use another language and chooses to do so."³⁴

There are exceptions. One matters to movers: a public body "may communicate in another language, in addition to French, to provide services to help immigrants integrate into Québec society during the first six months following their arrival in Québec." People who dealt with a body only in English before May 13, 2021, can keep doing so on that file.³⁴ These rules cover the civil administration; the Charter sets separate rules for workplaces, which this page does not cover. The data here can't tell you how much French a given job in Montreal will need.

Car insurance in Toronto vs Montreal

The two provinces insure drivers in different ways. In Quebec, the SAAQ's public plan pays for injury or death in a traffic accident on a no-fault basis, "regardless of who is responsible." In return, people can't sue the driver who caused the accident. Owners must still buy private civil liability coverage of at least $50,000 for property damage they cause to others.³⁵

Ontario has no public injury plan. Injury coverage comes through the policy you buy from a private insurer: since July 1, 2026, the medical, rehabilitation and attendant care benefits "remain mandatory, while all other accident benefits coverage will be optional."³⁶ The province's regulator, FSRA, put the average annual premium at $2,810 in the Greater Toronto Area and $2,164 across Ontario as of October 2025.³⁷ We found no comparable official average for Montreal, so we can't say which city's drivers pay more. Our guides to car insurance in Toronto and the best car insurance in Ontario compare insurers' rates and complaint records.

Things to do

This page sticks to costs and official statistics. For attractions, prices and how to reach them by transit, see our guides to things to do in Toronto and things to do in Montreal.

Living in Montreal vs Toronto: which city suits you

The numbers point different ways for different people. Match them to the costs that weigh most in your own budget.

• You rent and want the lowest bill: Montreal. A two-bedroom costs about $700 a month less in CMHC's survey and $830 less in current listings. Vacancy rates are about the same.^1,2,3,4
• You want to buy: Montreal, by a lot for houses. The median single-family home on the Island of Montreal sold for $779,000 in September 2026; the median detached house in the City of Toronto for $1,200,000. On condos the gap narrows to $58,500.^5,6
• You have a child under 5: Montreal. A regulated space costs $9.65 a day in Quebec against up to $22 in Ontario, about $3,223 less a year (our calculation). Check waiting lists before you count on a spot.^7,8
• Crime is your main worry: Toronto. Its violent crime index was 22% lower than Montreal's in 2025, 71.57 against 92.04 (our calculation of the gap).⁹
• You dread the cold: Toronto. January is 4.2°C milder at the airport, with about 23 fewer days below freezing and 102 cm less snow.^10,11
• You need government services in English: Toronto. Quebec's civil administration serves people in French by default, with exceptions such as a newcomer's first six months.³⁴
• You're job hunting: it depends on the field. Toronto-region employers were trying to fill 89,210 jobs and Montréal-region employers 33,470; Montreal had the lower unemployment rate, 6.3% against 6.8%. Check Job Bank for your occupation.^13,12,30

Before you move

• Price real listings. Search two-bedroom listings in the neighbourhoods you'd consider and set them against the asking rents above, $2,650 in Toronto and $1,820 in Montreal.^3,4
• Run the tax math on the home you want. In Toronto, multiply the assessed value by 0.767311%. In Montreal, look up the borough's 2026 rate and add school tax.^19,27,21
• Add daycare to the budget early. Ask providers whether they are subsidized in Quebec or enrolled in Ontario's $22-a-day system; if not, the reduced fees don't apply.^7,8
• Get insurance quotes for the new address. In Ontario, the GTA average premium runs $646 above the provincial average (our calculation). In Quebec, ask what the private policy covers, since injuries fall under the SAAQ.^37,35
• Check the neighbourhood, not the metro. The Crime Severity Index covers each whole metro. Look up the blocks you're considering with the local police service.

Before you trust other comparisons

Many Toronto vs Montreal comparisons mix figures that don't line up. Check four things before you rely on one.

• Check the area. A Montreal metro median, $635,000 for a single-family home, set against a City of Toronto price makes the gap look bigger than it is between the two central cities. The Island of Montreal median was $779,000.⁵
• Check which rent. CMHC's averages include long-time tenants. Listing prices show what a newcomer pays, and in both cities they ran about $460 to $490 above what sitting tenants paid this spring (our calculation).^3,4
• Check the assessment year. Ontario property assessments still use 2016 values. Comparing tax rates alone makes Toronto look more expensive than its bills on real homes.^28,19
• A price index is not a price level. Toronto's consumer price index (171.7 in August 2026) is higher than Montreal's (169.8), but each measures change since 2002 in its own city. A higher index doesn't mean higher prices.²⁵

Common questions

How we did this

We chose measures that change what a move costs or how daily life feels, and took each from the agency that collects it: Statistics Canada for population, jobs, income, prices, commuting and crime; CMHC for rents and vacancies; the City of Toronto, the Ville de Montréal, MPAC and the CGTSIM for property and school tax; the Ontario and Quebec governments for daycare fees and language rules; Environment and Climate Change Canada for climate normals; the TTC and STM for fares; and FSRA and the SAAQ for car insurance. Home prices come from TRREB and QPAREB, which are industry bodies. We downloaded the Statistics Canada tables in full and checked every quote against the saved page or PDF on Oct. 6 and 7, 2026.

Where agencies report the metro area, we used the metro area. For home prices we used the City of Toronto and the Island of Montreal, the closest matching areas both boards publish. Montreal's property tax rates come from Table 60 of the city's 2026 budget, for the residual subcategory (buildings with five or fewer dwellings); the city-wide figure is the city's own average across boroughs. Everything labelled "our calculation" is simple arithmetic on the cited figures: differences, shares, tax bills from assessed value times the 2026 rate, and daycare costs over 261 weekdays, the count Ontario uses. Consumer price changes are August 2026 over August 2025 from the published indexes.

We left some things out on purpose. We found no official average car insurance premium for Montreal. Water, electricity and garbage charges are billed in different ways in the two cities, so we did not compare them. This page uses no Reddit or other social media posts.

No city, real estate board or insurer paid for this page, and it has no affiliate links. We will update it when new rent, jobs, crime or price data come out, and log each change below.

Sources

Show all 37 sourcesHide sources

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34. Gouvernement du Québec. "Use of a language other than French by the civil administration." Updated Oct. 5, 2026; viewed Oct. 7, 2026. www.quebec.ca/en/culture/langue-francaise/portrait-francais-quebec/a-propos-francais/use-other-language
35. Société de l'assurance automobile du Québec (SAAQ). "Québec's Public Automobile Insurance Plan in Brief." Viewed Oct. 7, 2026. saaq.gouv.qc.ca/en/traffic-accident/public-automobile-insurance-plan/in-brief
36. Financial Services Regulatory Authority of Ontario (FSRA). "Changes in Statutory Accident Benefits coverage in Ontario on July 1, 2026." Viewed Oct. 6, 2026. www.fsrao.ca/industry/auto-insurance/changes-statutory-accident-benefits-coverage-ontario-july-1-2026
37. Financial Services Regulatory Authority of Ontario (FSRA). "Your average premium." Viewed Oct. 7, 2026 (figures as of October 2025). www.fsrao.ca/consumers/auto-insurance/understanding-auto-insurance-rates/your-average-premium

Update log

• Oct. 7, 2026, 3:56 a.m. ETFirst published. Jobs data to August 2026, home prices to September 2026, rents to the second quarter of 2026, crime data for 2025.

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