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Montréal

Cost of living, housing, groceries, transportation and more.

Cost data reviewed 24 Sep 2026FX snapshot 25 Sep 2026 UTC
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Rent · 1BR non-prime
C$1,600
Monthly planning midpoint
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Groceries
C$480
Monthly planning midpoint
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Public transit
C$110
Monthly planning midpoint
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Eating out
C$220
Monthly planning midpoint

What the numbers suggest

The model midpoint for one person in Montréal is C$2,870. At the modeled component midpoint, rent represents roughly 57% of the six-category basket, food about 25%, and public transit about 4%.

This page shows a planning range rather than one “correct” household cost. Actual spending changes with neighbourhood, lease terms, consumption and lifestyle.

What is included

The headline includes rent, utilities/connectivity, groceries, eating out, public transit and household/personal essentials. Healthcare, childcare, car ownership, taxes, savings and discretionary lifestyle spending are separate.

Core monthly cost breakdown

6 of six core planning components for Montréal have captured numeric calibration evidence: 2 direct component observations and 4 broad calibrations. Broad calibration can come from household or per-person spending evidence and is not the same as a direct category measurement. The displayed midpoint remains a normalized planning estimate, not a quote or guaranteed household spend.

Rent · 1BR non-primeDirect component evidenceC$1,600
Utilities + connectivityBroad calibration evidenceC$260
GroceriesBroad calibration evidenceC$480
Eating outBroad calibration evidenceC$220
Public transitDirect component evidenceC$110
Household + personalBroad calibration evidenceC$170
Core evidence coverage2 direct · 4 broad · 0 model

Direct component evidence measures the category itself or a closely matched subcomponent. Broad calibration evidence uses a wider household/per-person benchmark. Source-linked model anchors have identified sources but no captured numeric observation yet.

  • Rent · 1BR non-prime: direct component evidence — Statistics Canada · 2025-Q4 / 2026-Q2 — example 1-bedroom asking rent reference: 1,550 CAD/month
  • Utilities + connectivity: broad calibration evidence — Statistics Canada · 2023; weights updated 2026-09 — example Canadian average household spending: 76,750 CAD/year
  • Groceries: broad calibration evidence — Statistics Canada · 2023; weights updated 2026-09 — example Canadian average household spending: 76,750 CAD/year
  • Eating out: broad calibration evidence — Statistics Canada · 2023; weights updated 2026-09 — example Canadian average household spending: 76,750 CAD/year
  • Public transit: direct component evidence — Autorité régionale de transport métropolitain (ARTM) / STM · effective 2026-07-01 — example Adult Monthly All Modes A: 110 CAD/month
  • Household + personal: broad calibration evidence — Statistics Canada · 2023; weights updated 2026-09 — example Canadian average household spending: 76,750 CAD/year
Expanded evidence layer

Detailed source-backed profile

33 of 52 fields are public and source-backed for Montréal. Only verified fields are shown; unresolved work remains in the audit ledger.

Housing & ownership 3
Three-bedroom non-primeAverage asking rent for an apartment with three or more bedrooms in the city CMA, 2026-Q2.
C$2,260
Mortgage interest-rate referenceBank of Canada conventional five-year posted rate on 2026-09-23.
6.09 %
Rental move-in cost rulesProvincial residential-tenancy rule; moving services, furnishings and utility connection charges are excluded.
A lessor cannot require more than one month's rent or advance rent beyond the first payment period, and cannot require an additional security deposit.
Utilities & connectivity 3
Energy/water for baseline dwellingCanada-wide average annual expenditure for one-person households in 2023: Water, fuel and electricity for principal accommodation; divided by 12.
C$144.17 /month
Residential broadbandCanada-wide average annual expenditure for one-person households in 2023: Internet access services; divided by 12.
C$70.42 /month
Mid-tier mobile planCanada-wide average annual expenditure for one-person households in 2023: Cell phone and pager services; divided by 12.
C$68.83 /month
Food & groceries 9
Milk 1 LThree latest monthly Quebec retail-price observations for Milk, 1 litre. No package-size conversion.
C$2.95–C$2.97
Bread 500 gThree latest monthly Quebec retail-price observations for White bread, 675 grams. Converted from the source package with factor 0.740741.
C$2.90–C$2.92
Rice/grains 1 kgThree latest monthly Quebec retail-price observations for White rice, 2 kilograms. Converted from the source package with factor 0.500000.
C$5.41–C$5.61
Eggs 12Three latest monthly Quebec retail-price observations for Eggs, 1 dozen. No package-size conversion.
C$4.19–C$4.43
Chicken 1 kgThree latest monthly Quebec retail-price observations for Chicken breasts, per kilogram. No package-size conversion.
C$13.77–C$14.07
Red-meat equivalent 1 kgThree latest monthly Quebec retail-price observations for Ground beef, per kilogram. No package-size conversion.
C$15.26–C$16.13
Fish 1 kgThree latest monthly Quebec retail-price observations for Salmon, per kilogram. No package-size conversion.
C$24.48–C$26.21
Representative fruit 1 kgThree latest monthly Quebec retail-price observations for Apples, per kilogram. No package-size conversion.
C$5.79–C$6.01
Representative vegetables 1 kgThree latest monthly Quebec retail-price observations for Tomatoes, per kilogram. No package-size conversion.
C$5.08–C$7.53
Transport 2
Single adult fareAdult one-trip All Modes A fare.
C$3.75
Gasoline per litreThree latest monthly city observations for regular unleaded gasoline at self-service stations.
C$1.79–C$1.87 /L
Health 3
Public healthcare baseline/eligibilityOfficial provincial coverage and eligibility page; verify personal eligibility before relying on coverage.
Québec residents have public hospital and medical coverage through provincial plans. Prescription coverage is coordinated between the public plan and eligible private plans; eligibility and exclusions apply.
Prescription exposureCanada-wide average annual expenditure for one-person households in 2023: Prescribed medicines and pharmaceutical products; divided by 12.
C$28.58 /month
Supplemental/private coverageCanada-wide average annual expenditure for one-person households in 2023: Private health insurance plan premiums; divided by 12.
C$30.58 /month
Family 1
Childcare/daycare2026 reduced-contribution daily rate at subsidized childcare; admission and availability are not guaranteed.
C$9.65 /day
Earnings & tax 4
Official earnings benchmarkMedian wages, salaries and commissions excluding zeros, age 25–54, total gender, city geography, 2024; monthly gross equivalent.
C$4,916.67 /month gross
Core cost divided by earningsCLC six-component one-person model midpoint divided by the official monthly gross earnings benchmark.
58.2 % of gross
Income remaining after core spendOfficial monthly gross earnings benchmark minus the CLC six-component model midpoint.
C$2,056.67 /month before tax
Tax structure2026 official marginal personal income tax brackets; not a tax estimate for a particular person.
2026 marginal personal income tax uses federal brackets of 14%–33% plus Québec brackets of 14%–25.75%. The Québec abatement, credits and payroll contributions affect the effective rate.
City context 2
Official crime/safety context2025 police-reported Crime Severity Index for the city CMA; 2006 Canada=100 and lower is less severe.
61.3 CSI
Climate normalsEnvironment and Climate Change Canada 1991–2020 composite-station climate normals.
1991–2020 daily-average normals: January -9.2°C; July 21.7°C; annual 7.0°C (Montreal Trudeau (Airport)).
Detailed evidence sources

Cities with a similar core-budget scale

Using the site's bundled 2026-09-25 FX snapshot only to put model midpoints on a common scale, these covered cities sit closest to Montréal's six-category midpoint. This is a cost-model similarity, not a claim that the cities have the same housing market, wages or lifestyle.

Source and dates

Data model CLC-v5.9-global-detail-1 · site V7.1 · evidence granularity reviewed 2026-09-29 · core evidence mix 2 direct / 4 broad / 0 model. Missing fields are omitted; modeled anchors are labeled and may differ by neighbourhood and lifestyle.