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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure Most Expensive Cities In Canada In 2025 Written by creditcardGenius Team   updated on Mar 11, 2025 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. While the Canadian housing crisis has dominated recent headlines, housing isn’t the only factor in determining the most expensive city. Food, transportation, household operations, and recreation are all important parts of life – and your budget. In the interest of saving you money, we’ve compared them all and compiled a list of the most expensive cities in Canada. The #1 most expensive city in Canada probably isn’t a surprise: it’s Vancouver. Key Takeaways The most expensive place to live in Canada is Vancouver, where the cost of living is about 45% higher than the national average. The most expensive province in Canada is British Columbia, where the average detached home costs 42% higher than the rest of the nation. Toronto has the most expensive housing, Iqaluit the most expensive food, and Vancouver has the most expensive transportation. In this article Show table of contents Why are some cities so expensive? Northern Territories British Columbia Ontario Prairies Atlantic Québec Methodology Bonus: bottom 5 FAQ Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . Why are some cities so expensive? According to Statistics Canada, the 5 biggest contributing factors to cost of living are housing , food , transportation , household operations , and recreation . In 2021, the average Canadian spent: 31.4% of their budget on housing , including rent and mortgage payments 15.4% of their budget on food , including food purchased from stores and restaurants 15% of their budget on transportation , including leasing and purchasing vehicles; insurance premiums, gasoline, and repairs and maintenance 8.3% of their budget on household operations , including communications, childcare, and home services 6.3% of their budget on recreation , including most non-essential consumer goods, recreational vehicles, and travel The same year, each Canadian spent about $21,106 on housing, $10,305 on food, and $10,099 on transportation. Together, these 5 factors account for over 75% of our living expenses – and they’ve only been going up. The Consumer Price Index (CPI), which tracks inflation, reported an overall average increase of 1.9% in 2024, with housing costs rising by 4.5%, and transportation by 3.4%. Gasoline alone cost 8.6% more in January 2025 than it did the year prior. We tend to associate a higher cost of living with high-population centres, but this isn’t always the case. After comparing the 18 most-populous towns and cities across 6 regions, we discovered the 10 most expensive places to live in Canada : Overall rank City Region Housing rank Food rank Transportation rank 1 Vancouver B.C. 2 9 1 2 Victoria B.C. 5 4 3 3 Iqaluit Northern Territories 6 1 14 4 Toronto Ontario 1 15 10 5 Yellowknife Northern Territories 3 2 16 6 Kelowna B.C. 8 3 6 7 Calgary Prairies 4 13 5 8 Ottawa-Gatineau Ontario 11 10 7 9 Halifax Atlantic 12 6 4 10 Kitchener-Cambridge-Waterloo Ontario 10 12 9 We cover each city’s statistics in detail below and examine what makes them so pricey, moving from the most to the least expensive region in Canada. An "✖️" marks a cost above the national average; a “✔️” marks one below. Most expensive cities in the Northern Territories Photo by Rigo Olvera Iqaluit, NU Population (2021): 7,429 Cost of living (2025): 43% above national average, 2% above territorial average Average cost to own (2021): $2,820 per month Average rent (2021): $1,550 per month Average pay for childcare workers (2025): $32.59 per hour One of the most expensive places to live in Canada is also the smallest: Iqaluit . Between Nunavut, the Northwest Territories, and the Yukon, the cost of living is over 30% higher than the national average. As you can imagine, the problem isn’t a high population, it’s shipping. Iqaluit has the highest food prices of any other provincial or territorial capital in Canada, standing 68% higher than the intercity average. The high cost of shipping affects everything from housing materials to labour, making it all the more frustrating we found so few statistics on the cost of living in the north. Yellowknife, NT Population (2021): 16,220 Cost of living (2025): 35% above national average, -1% below territorial average Average house price (2025): $780,650 Average rent (2021): $1,804 per month As in Iqaluit, the high cost of shipping makes life in Yellowknife that much more expensive. Per Statistics Canada, it takes a family in Yellowknife over 20% more income to meet their basic needs than if they lived in Vancouver. Whitehorse, YT Population (2021): 26,405 Cost of living (2025): 20% above national average, 2% above territorial average Average house price (2025): $780,650 Average rent (2021): $1,428 per month Whitehorse is perhaps the most affordable city in Canada’s northern territories, with yearly car insurance premiums averaging just $889, according to one source. Although it costs a lot to ship goods to Whitehorse, the Yukon Anti-Poverty Coalition estimates the cost of food in the territory’s capital to be at least 10% lower than in surrounding towns. Most expensive cities in B.C. Photo by James Wheeler Vancouver, BC Population (2021): 2,270,780 Cost of living (2025): 45% above national average, 36% above provincial average Average house price (2025): $1,173,000 Average rent (2021): $1,624 per month Average price of gasoline (January 2025): 193.7 cents per litre Nobody will be surprised to learn the most expensive place to live in Canada is the Greater Vancouver area . Combining runaway housing prices with rising car insurance premiums, it costs a lot to secure a spot in Vancouver, where land is in short supply. On the plus side, Vancouver’s density means there’s plenty of competition for food and services, which helps keep costs low. Because it’s a major shipping hub, goods and people can easily travel to and from the Terminal City by road, rail, water, and air – just expect to pay a lot for the convenience. Victoria, BC Population (2021): 346,740 Cost of living (2025): 21% above national average, 14% above national average Average house price (2025): $870,100 Average rent (2021): $1,452 per month It may not be cheap, but living in Victoria is certainly pretty – residents grew and registered over 38 billion flowers in the 2024 Greater Victoria Flower Count. Like Vancouver, the city’s housing prices are badly affected by the dwindling amount of land; the average price to rent a 2-bedroom unit in 2022 was $1,669 per month . Kelowna, BC Population (2021): 191,500 Cost of living (2025): 14% above national average, 8% above provincial average Average cost to own (2021): $1,556 per month Average rent (2021): $1,542 per month Besides the high cost of living, there’s another reason to think twice before settling in Kelowna – according to our data, it ranks as the 6th most dangerous city in Canada . The city suffered 494.3 break-ins per 100,000 residents in 2023, which can drive up the cost of car and home insurance. Most expensive cities in Ontario Photo by Roberto Nickson Toronto, ON Population (2021): 5,237,170 Cost of living (2025): 30% above national average, 24% above provincial average Average house price (2025): $1,070,100 Average rent (2021): $1,618 per month Average car insurance premiums (2024): $2,295 per year A 6-figure salary is nearly a must-have to live in the Big 6ix – a whopping 30.5% of Toronto residents spend 30% or more of their income on shelter. For comparison, only 15.8% of folks do the same in Sault Ste. Marie, which is one of the cheapest places to live in Ontario . Instead of adding yet another theory on the state of Toronto’s housing market to the pile, we’ll end with a silver lining. Thanks to its strong job market, public transit, and healthcare system, Toronto remains one of the best places to live in Canada . Ottawa, ON Population (2021): 1,236,965 Cost of living (2025): 22% above national average, 16% above provincial average Average house price (2025): $649,900 Average rent (2021): $1,296 per month Like Toronto, Ottawa is a magnet for Canadians seeking employment, education, and culture. When these demands meet a low supply of housing, affordable transit, and liveable wages, the result is a high cost of living. Kitchener-Cambridge-Waterloo, ON Population (2021): 477,255 Cost of living (2025): 15% above national average, 9% above provincial average Average house price (2025): $730,000 Average rent (2021): $1,352 per month From 2013 to 2023, the price of a single-family home in Kitchener-Waterloo grew by 159%. Demand surged during the pandemic as remote workers fled Toronto – but now that workers are returning to the office, housing costs may soon return to normal. Most expensive cities in the Prairies Photo by Lisa Simpson Calgary, AB Population (2021): 1,207,615 Cost of living (2025): 16% above national average, 13% above provincial average Average house price (2025): $573,100 Average rent (2021): $1,416 per month Average car insurance premiums (2024): $3,182 per year Although gas is cheap in Calgary , car insurance sure isn’t. The Insurance Bureau of Canada reports Alberta’s legal costs are the highest in the country, while the cost of repairing vehicles and the rate of vehicles stolen stand at second place. In every other category on this list (except housing), Calgary doesn’t even rank among the top 10. You may just want to trade your car for a bike when you move to the jewel of the prairies. Edmonton, AB Population (2021): 1,154,295 Cost of living (2025): 7% above national average, 3% above provincial average Average house price (2025): $412,200 Average rent (2021): $1,328 per month At the risk of sounding repetitive, Edmonton ’s two biggest expenses are housing and transportation. What’s surprising is the cost of communicating across the Prairies – the average monthly price for cable, mobile, internet, and landline services combined in Alberta is 60% higher than in the Yukon. Winnipeg, MB Population (2021): 693,555 Cost of living (2025): 5% above national average, 10% above provincial average Average house price (2025): $363,200 Average rent (2021): $1,140 per month Although Winnipeg is the third-most expensive city in the Prairies, there’s a large gap between it and its Albertan counterparts. Winnipeggers enjoy the benefits of cheap gas and car insurance, with yearly premiums averaging just $1,381 in 2024. Most expensive cities in the Atlantic Halifax, NS Population (2021): 396,355 Cost of living (2025): 6% above national average, 12% above provincial average Average house price (2025): $550,500 Average rent (2021): $1,246 per month Average car insurance premiums (2024): $2,490 per year The Canadian Consumer Price Index (CPI) measures inflation by comparing the present-day prices of various items to what they were in 2002. In 2002, the CPI for food in the Atlantic provinces was 100; in 2024 it averaged 196.58 . In other words, food prices nearly doubled in the last 22 years. In Halifax , food isn’t the only thing Canadians are struggling to afford. Although the Atlantic provinces have fewer people, they have the highest rate of car accident-related fatalities per 100,000 residents in Canada, which raises car insurance premiums. Fredericton, NB Population (2021): 91,585 Cost of living (2025): 2% above national average, 12% above provincial average Average house price (2025): $338,800 Average rent (2021): $1,057 per month Like the northern territories, the Atlantic provinces struggle to import food and gas at affordable prices. In January 2025, the average price of gas was 180.7 cents per litre in Fredericton – 17.3 cents higher than in Calgary! Saint John, NB Population (2021): 110,405 Cost of living (2025): 3% below national average, 7% above provincial average Average house price (2025): $338,600 Average rent (2021): $862 per month The price of gas in the Atlantic drives up shipping costs for food as well as fun. To help gauge the cost of recreation – which includes most non-essential consumer goods, like toys and electronics – we compared shipping costs for every city on this list. The cost to ship a 1kg shoebox from the nearest Amazon warehouse in Montreal to Fredericton via Canada Post is $24.39. For comparison, it takes just $17.72 to ship a package to Vancouver from the warehouse on the city outskirts. Most expensive cities in Québec Photo by Céline Chamiot-Poncet Montreal, QC Population (2021): 3,570,000 Cost of living (2025): 15% above national average, 23% above provincial average Average house price (2025): $549,900 Average rent (2021): $981 per month Average pay for childcare workers (2025): $30.02 Québec has one of the lowest costs of living, making Montreal the cheapest city with a population over 1 million in Canada. Although the food CPI in Montreal reached 189.5 in 2024, the large number and diversity of grocery stores helps keep costs low. For example, in January 2025, a kilogram of ground beef would set you back by $14.03 in Vancouver and $12.51 in Montreal. A pound of potatoes cost $4.71 ; in Halifax, the same spuds cost $5.64 . Québec, QC Population (2021): 346,740 Cost of living (2025): 2% above national average, 9% above provincial average Average house price (2025): $384,100 Average rent (2021): $904 per month Given the current Canadian housing crisis, Québec’s rock-bottom real estate prices have become the topic of much speculation and envy. Proposed theories include lower land development charges, a greater proportion of medium-density housing, and the efficiency of the Tribunal Administratif du Logement (TAL) in balancing tenant and landlord rights. The only thing that’s clear is it costs less to live in Canada’s only Francophone province. That said, some critics warn that Québeckers are also more likely to make lower incomes and live in smaller, older units. Trois-Rivières, QC Population (2021): 346,740 Cost of living (2025): 5% below national average, 2% above provincial average Average house price (2025): $387,546 Average rent (2021): $672 per month Although it’s not as big as housing, recreation still plays a large role in the Canadian budget, as well as quality of life. In 2023, more Canadians used SkyScanner to search for flights to the Turks and Caicos Islands than any other vacation destination. A round-trip for one starts at a mere $464 for folks in Trois-Rivières – an absolute steal compared to the fare from Iqaluit, which starts at $2,104 ! Methodology To measure affordability, we compared 3 – 7 indicators for housing, food, transportation, household operations, and recreation in the 3 most-populated census metropolitan areas, agglomerations, and subdivisions in each province/region. From most to least used, we sourced data from: Statistics Canada Canadian Real Estate Association (CREA) The Economic Research Institute (ERI) Indeed Where data was missing (especially in the northern territories), we used reports from various sources, including the Insurance Corporation of British Columbia, the Canadian Radio-Television and Telecommunications Commission, and Canada Post. Each town or city received points in each category based on how highly it ranked against its neighbours. We then weighted the scores according to the category’s importance to the average Canadian budget: 31.4% for housing, 15.4% for food, 15% for transportation, 8.3% for household operations, and 6.3% for recreation, with general cost of living (as calculated by the ERI) making up the remaining 23.6%. Bonus: the bottom 5 in 5 categories While useful, the average Canadian budget doesn’t reflect every Canadian’s personal taste. If housing, food, transportation, household operations, or recreation matters more to you than every other category, here are the cities to avoid. Most expensive housing: Toronto, ON The rising cost of housing in Toronto is a windfall for some and a major source of stress for most. Homeowners around Canada now value their homes at much higher prices than they did almost a decade ago. Rank City Average monthly shelter cost (2021) Households spending 30% or more of income on shelter (2021) Average rent for a 2-bedroom unit (2022) 1 Toronto $1,936 30.5% $1,779 2 Vancouver $1,844 29.8% $2,002 3 Yellowknife $2,120 15.8% N/A 4 Calgary $1,688 22.5% $1,466 5 Victoria $1,574 26% $1,699 * Owner-estimated Most expensive food: Iqaluit, NU Although Iqaluit has the most expensive food of any city on this list, its average food CPI (which measures the inflation of prices since 2002) is lower than most. In other words, high food prices have been a problem in the north for quite some time. Rank City Average annual food CPI (2024) Price of food compared to inter-city average (2019) 1 Iqaluit 138 +68% 2 Yellowknife 182.2 +13% 3 Kelowna 182.5 N/A 4 Victoria 182.5 N/A 5 Whitehorse 109.9 +12% Most expensive transportation: Vancouver, BC Experts say high taxes, a lack of local refineries, and a strict requirement for greener fuel drive up gas prices along the West Coast. A recent fire at the PBF Energy Martinez refinery in San Francisco means prices in Vancouver and Victoria are likely even higher now than what you see below. Rank City Average price of gas (January 2025) Average car insurance premiums (2024) 1 Vancouver 193.7 cents per litre $1,841 per year 2 Victoria 187.4 cents per litre $1,775 per year 3 Fredericton 180.7 cents per litre $2,002 per year 4 Halifax 175.4 cents per litre $2,490 per year 5 Kelowna 177.6 cents per litre $1,413 per year Most expensive household operations: Iqaluit, NU Whether because of a robust union or labour shortage, it costs more to hire workers in some towns and cities than others. The average hourly rates for skilled trade workers in each city gives us an idea of how expensive it is to run a household in one city versus another. Rank City Average hourly wage for electricians* (2025) Average hourly wage for plumbers* (2025) Average hourly wage for childcare providers* (2025) 1 Iqaluit $48.14 $43.33 $32.59 2 Québec $46.37 $40.55 $26.43 3 Whitehorse $40.85 $43.44 $23.94 4 Kitchener-Cambridge-Waterloo $39.97 $37.50 $30.62 5 Vancouver $39.25 $38.08 $23.08 * Per listings for local job openings Most expensive recreation: Iqaluit, NU On one hand, you’ll probably always enjoy a white Christmas if you live in Iqaluit. On the other, you’re likely to spend far more on gifts for the holidays. Rank City Round-trip cost for one passenger to the Turks & Caicos Islands (2025) Cost to ship a 1kg shoebox from the nearest Amazon warehouse (2025) 1 Iqaluit $2,104 $31.47 2 Whitehorse $1,157 $27.56 3 Yellowknife $1,231 $27.56 4 Fredericton $711 $24.39 5 Halifax $656 $24.39 FAQ Where is housing most expensive in Canada? Although Vancouver and Toronto’s housing markets are infamously expensive, according to Statistics Canada, the highest monthly average shelter cost belonged to Yellowknife, NT, in 2021. Which Canadian city has the highest rent? Data collected by the Canada Mortgage and Housing Corporation (CMHC) in 2022 shows Vancouver has the highest rents in Canada – but if you factor in the northern territories, it’s probably Yellowknife. Which city in Canada has a high cost of living? According to the Economic Research Institute (ERI), the cities with the highest cost of living compared to the national average are Vancouver, Iqaluit, Yellowknife, Toronto, and Ottawa-Gatineau. Where is the most liveable city in Canada? Thanks to its beauty, safety, and affordability, Québec City might well be the best place to live in Canada . If you don’t speak French, Ottawa and Guelph, ON, are strong contenders. What is the cheapest province in Canada? A recent study by Westland Insurance found Newfoundland & Labrador to be the cheapest province in Canada, but the Economic Research Institute gives the title to New Brunswick. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. 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Post Comment Showing 2 comments richardo September 11, 2023 id thought homer prices in Halifax are more in the 275 thousand range and that it was 20th in costs of living not 6th Reply Claire May 23, 2023 Hi for #10 you may have made a typo with the median household income- "Median household income – $501,000" Reply Hot Credit Card Deals See details Get even more cash back with exclusive offers only available on the GeniusCash app Apply Now Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Ends Dec 31, 2025   GC:  $125 Apply Now Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now Exclusive Offer: Up to $480 cash back in the first year + Roadside Assistance + $150 GeniusCash Ends Dec 31, 2025   GC:  $150 Apply Now Up to 50,000 bonus points + No foreign exchange fees + $100 GeniusCash Ends Dec 31, 2025   GC:  $100 Apply Now Get $120 bonus cash back + no annual fee + $120 GeniusCash Ends Dec 31, 2025   GC:  $120 See all November deals Our Original Research Study: How Much Is Your Credit Card Insurance Worth? 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