City comparison

🇺🇸 San Francisco vs 🇨🇦 Toronto

Side-by-side comparison of cost of living, taxes, and quality of life for expats.

Quick verdict

More affordable

Toronto

20% cheaper overall

Higher quality of life

Toronto

7.5/10 vs 8.5/10

Cost of living comparison

Category	🇺🇸 San Francisco	🇨🇦 Toronto
Rent (1-bed, center)	€3,143	€1,413
Rent (1-bed, suburb)	€2,386	€1,252
Groceries (single)	€389	€371
Transport pass	€78	€96
Restaurant (2 people)	€104	€74
Monthly budget (moderate)	€4,200	€2,700

Quality of life

Metric	🇺🇸 San Francisco	🇨🇦 Toronto
Overall	7.5/10	8.5/10
Safety	6.5/10	8.5/10
Healthcare	8.5/10	8.5/10
Education	8.5/10	8.5/10
Expat Community	8.5/10	9/10
English Proficiency	10/10	9.5/10

Tax & practical info

🇺🇸

San Francisco

United States

Tax regime

California progressive to 13.3%

Climate

Cool Mediterranean

Nomad visa

–

Effective tax rate

30–34%

Avg. salary

€120,000–€200,000

Full San Francisco guide →

🇨🇦

Toronto

Canada

Tax regime

Progressive tax up to 53.5% (federal + provincial)

Climate

Humid continental

Nomad visa

–

Effective tax rate

27–32%

Avg. salary

€65,000–€95,000

Full Toronto guide →

Crunch the numbers

Use our calculators to compare your actual take-home pay and monthly budget.

Compare cost of living →Net salary in the United States →Net salary in Canada →Budget calculator →

These figures are indicative and based on public datasets. They are not the opinion of a tax lawyer. Consult a tax lawyer, a chartered accountant or a licensed financial professional before making relocation or employment decisions.

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