City comparison tool
Eight Canadian markets, twenty-eight pairs. Switch the cities. The prices, mill rates, land transfer rules, monthly costs, and climate charts move with them.
Calgary is cheaper on the typical home by $371,600. Calgary: No land transfer tax, registration fees only. Toronto: Ontario LTT + Toronto municipal LTT.
- Typical home
Calgary
$569,200
Toronto
$940,800
- Condo
Calgary
$299,000
Toronto
$631,000
- Sitting 2-bed rent
Calgary
$1,900/mo
Toronto
$2,700/mo
- Annual tax on typical home
Calgary
$3,586
Toronto
$7,244
- Land transfer on typical home
Calgary
$1,130
Toronto
$30,582
- January daily average
Calgary
-7.1°C
Toronto
-5.5°C
Lower by $371,600
Lower by $332,000
Lower by $800
Lower by $3,658
Lower by $29,452
Higher by +1.6°C
Home prices
Typical, detached, and condo. Treat mixed benchmark/average/median pairs as directional.
Home prices by property type, 2026
CREB, July 2026 and TRREB, June 2026. Figures are MLS benchmark prices.
What your income buys
Move income, down payment, and rate. The stress test and each city’s mill rate are already in the model.
Qualifying at 6.50% (stress test)
Amortization
Property type
Calgary
Your maximum price
$655,000
Average condo costs $299,000
Within reach, $356,000 of room
Needs about $71,000 household income
Toronto
Your maximum price
$640,000
Average condo costs $631,000
Within reach, $9,000 of room
Needs about $148,000 household income
Estimates use a 32% gross debt service ratio, $125/month heating, and each city’s residential property tax rate. Qualifying uses the greater of your rate plus two points or 5.25%. Condo fees, CMHC insurance on down payments below 20%, and closing costs are not included.
Closing day
Land transfer on the same purchase price. Alberta is registration fees only; Halifax has no first-time rebate.
Calgary
$1,540
No land transfer tax, registration fees only
Toronto
$24,950
Ontario LTT + Toronto municipal LTT
Calgary saves you about $23,410 on closing day.
Land transfer charges only. Legal fees, title insurance, inspections, and any first time buyer rebates are excluded. Alberta figures assume a 20% down payment because registration fees scale with the mortgage amount.
A month of costs
Switch renter, couple, or owning household. Housing dominates; the rest is transit, groceries, utilities, and dining.
- Housing
- Transit
- Groceries
- Utilities & internet
- Dining out
Mid 2026 estimates using average rents, each city’s adult transit pass, and typical grocery and utility spends. The owning profile uses a mortgage on the typical home at 20% down, 4.5%, 25 years, plus property tax and insurance.
Climate
Environment Canada 1991–2020 normals. Temperature and precipitation for every month.
Average daily temperature (°C)
Average monthly precipitation (mm)
Environment and Climate Change Canada 1991 to 2020 climate normals. Precipitation combines rain and the water equivalent of snow.
There is a written Toronto vs Calgary guide with the local tax traps this desk cannot see.
All 28 pairs
Typical home on the left city versus the right. Open a pair for a shareable URL.
| Pair | Typical home | Guide |
|---|---|---|
| Calgary vs Halifax | $569,200 / $557,300 | Interactive only |
| Calgary vs Montreal | $569,200 / $649,000 | Interactive only |
| Calgary vs Ottawa | $569,200 / $634,000 | Interactive only |
| Calgary vs Toronto | $569,200 / $940,800 | Article |
| Calgary vs Vancouver | $569,200 / $1,099,100 | Article |
| Calgary vs Victoria | $569,200 / $1,170,200 | Interactive only |
| Calgary vs Winnipeg | $569,200 / $408,020 | Interactive only |
| Halifax vs Montreal | $557,300 / $649,000 | Interactive only |
| Halifax vs Ottawa | $557,300 / $634,000 | Interactive only |
| Halifax vs Toronto | $557,300 / $940,800 | Article |
| Halifax vs Vancouver | $557,300 / $1,099,100 | Interactive only |
| Halifax vs Victoria | $557,300 / $1,170,200 | Interactive only |
| Halifax vs Winnipeg | $557,300 / $408,020 | Interactive only |
| Montreal vs Ottawa | $649,000 / $634,000 | Interactive only |
| Montreal vs Toronto | $649,000 / $940,800 | Article |
| Montreal vs Vancouver | $649,000 / $1,099,100 | Interactive only |
| Montreal vs Victoria | $649,000 / $1,170,200 | Interactive only |
| Montreal vs Winnipeg | $649,000 / $408,020 | Interactive only |
| Ottawa vs Toronto | $634,000 / $940,800 | Article |
| Ottawa vs Vancouver | $634,000 / $1,099,100 | Interactive only |
| Ottawa vs Victoria | $634,000 / $1,170,200 | Interactive only |
| Ottawa vs Winnipeg | $634,000 / $408,020 | Interactive only |
| Toronto vs Vancouver | $940,800 / $1,099,100 | Article |
| Toronto vs Victoria | $940,800 / $1,170,200 | Article |
| Toronto vs Winnipeg | $940,800 / $408,020 | Article |
| Vancouver vs Victoria | $1,099,100 / $1,170,200 | Interactive only |
| Vancouver vs Winnipeg | $1,099,100 / $408,020 | Interactive only |
| Victoria vs Winnipeg | $1,170,200 / $408,020 | Interactive only |
Written comparison guides
The desk compares any pair. These eight articles go into the tax traps and neighbourhood splits a slider cannot.
FAQ
Which Canadian cities can I compare?
Toronto, Vancouver, Calgary, Montreal, Ottawa, Halifax, Victoria, and Winnipeg — 28 pairs. Pick any two from the menus. Eight of those pairs also have a long-form article.
Where do the home prices come from?
Each city's board figure for mid-2026: TRREB, Greater Vancouver Realtors, CREB, APCIQ/QPAREB, OREB, NSAR, VREB, and the Winnipeg Regional Real Estate Board. Some boards publish MLS benchmarks, some averages, some medians. The chart caption says which.
Does this include land transfer tax?
Yes, on the typical home and on any price you set in the closing-day slider. Toronto stacks a municipal tax. Calgary has no land transfer tax. Halifax's 1.5% deed tax has no first-time exemption.