Cost of living comparison

Canada

compared to

New Zealand

Napier vs. Toronto Cost of Living Summary

Napier is 9.6% cheaper than Toronto.

Restaurants: pay 2.1% more in Napier
Groceries: pay 11.3% less in Napier
Transportation: pay 13.4% less in Napier
Housing: pay 15.3% less in Napier
Childcare: pay 15.0% less in Napier
Entertainment and Sports: pay 11.2% less in Napier
Clothing: pay 29.3% more in Napier

The cost of clothing and restaurants in Napier are more expensive than in Toronto. Expenses including housing, childcare, transportation, groceries, and entertainment and sports are lower in Napier.

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Napier vs. Toronto Cost Breakdown

If you lived in Napier instead of Toronto, you would:

Display currency: USD

pay 2.1% more for restaurants

	Toronto	Napier
Basic meal with drink at inexpensive restaurant	$17.53 CA$24.55	$18.49 NZ$32.46	+5.4%
Fast food combo meal McDonalds, or similar	$10.52 CA$14.73	$9.52 NZ$16.72	-9.5%
Bottle of Coca-Cola (11 fl. oz)	$2.08 CA$2.91	$2.18 NZ$3.84	+5.3%
Bottle of water (11 fl. oz)	$1.71 CA$2.40	$2.24 NZ$3.93	+31.0%
Average			+2.1%

Toronto vs. Napier - Cost of restaurants

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pay 11.3% less for groceries

	Toronto	Napier
Bread 1 loaf	$2.74 CA$3.84	$1.50 NZ$2.63	-45.3%
Local cheese (8 oz)	$4.56 CA$6.39	$3.81 NZ$6.69	-16.5%
Milk (1 gallon)	$9.44 CA$13.22	$6.02 NZ$10.57	-36.3%
Eggs 1 dozen	$3.54 CA$4.95	$5.71 NZ$10.03	+61.6%
Boneless chicken breast (1 lb)	$5.16 CA$7.22	$3.87 NZ$6.80	-24.9%
Apples (1 lb)	$1.68 CA$2.35	$1.04 NZ$1.83	-38.1%
Bananas (1 lb)	$0.54 CA$0.75	$0.73 NZ$1.28	+36.1%
Oranges (1 lb)	$1.59 CA$2.23	$1.43 NZ$2.51	-10.1%
Tomatoes (1 lb)	$1.95 CA$2.73	$1.30 NZ$2.27	-33.5%
Potatoes (1 lb)	$0.82 CA$1.15	$0.79 NZ$1.39	-3.6%
Onions (1 lb)	$0.73 CA$1.03	$1.14 NZ$2.01	+55.5%
Average			-11.3%

Toronto vs. Napier - Cost of groceries

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pay 13.4% less for transportation

	Toronto	Napier
Gasoline (1 gallon)	$4.68 CA$6.55	$5.88 NZ$10.32	+25.8%
Monthly public transit pass	$109.41 CA$153.21	$44.82 NZ$78.69	-59.0%
New Volkswagen Golf 1.4 (standard edition)	$27,760.48 CA$38,871.61	$25,203.61 NZ$44,251.79	-9.2%
Taxi trip in downtown area (5 miles)	$12.80 CA$17.92	$16.92 NZ$29.70	+32.2%
Average			-13.4%

Toronto vs. Napier - Cost of transportation

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pay 15.3% less for housing

	Toronto	Napier
Internet connection 50 mbps or faster, cable/dsl	$47.87 CA$67.03	$48.36 NZ$84.92	+1.0%
1-Bedroom apartment in downtown area	$1,584.56 CA$2,218.78	$1,196.04 NZ$2,099.97	-24.5%
1-Bedroom apartment outside city center	$1,416.89 CA$1,984.00	$1,056.83 NZ$1,855.55	-25.4%
Utilities for two (700 sq ft apartment) including electric, gas, water, heating	$92.23 CA$129.14	$140.30 NZ$246.33	+52.1%
Average			-15.3%

Toronto vs. Napier - Cost of housing

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pay 15.0% less for childcare

	Toronto	Napier
Private preschool for 1 child, monthly	$824.14 CA$1,154.01	$700.26 NZ$1,229.49	-15.0%
Middle school for 1 child, two semesters	$23,500.21 CA$32,906.17	??
Average			-15.0%

Toronto vs. Napier - Cost of childcare

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pay 11.2% less for entertainment and sports

	Toronto	Napier
Domestic/local beer (1 pint)	$6.31 CA$8.84	$6.72 NZ$11.80	+6.5%
Cappuccino in mid-range area	$3.97 CA$5.56	$3.36 NZ$5.90	-15.3%
Pack of cigarettes Marlboro or similar	$14.03 CA$19.64	$20.17 NZ$35.41	+43.8%
Monthly membership at local gym	$38.35 CA$53.69	$33.61 NZ$59.02	-12.3%
Movie ticket to theater/cinema	$12.62 CA$17.68	$8.40 NZ$14.75	-33.4%
Average			-11.2%

Toronto vs. Napier - Cost of entertainment and sports

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pay 29.3% more for clothing

	Toronto	Napier
Regular jeans Levi's brand	$51.64 CA$72.31	$105.04 NZ$184.42	+103.4%
Regular dress from H&M or similar store	$39.51 CA$55.32	$54.15 NZ$95.08	+37.1%
Running shoes Nike or Adidas	$98.10 CA$137.36	$102.24 NZ$179.51	+4.2%
Men's business shoes (leather)	$122.24 CA$171.16	$117.64 NZ$206.55	-3.8%
Average			+29.3%

Toronto vs. Napier - Cost of clothing

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We average the price of thousands of data points entered by users across the world. Sources: MyLifeElsewhere's cost-of-living dataset (prices updated October 2026). How we calculate this

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