What's it like living in Toronto?

Living in Toronto: The Good, The Bad & The Ugly.

by Ellie Cleary

Just over a year ago, we packed our bags and moved from Mumbai, India to Toronto. A year on, we’ve got to know a bit about living in Toronto as we have found our way around our new city, how it has compared to our expectations. In this post we share how our experience has been living in Toronto and what advice we would give to would-be new Toronto residents!

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Life in Toronto: Our Experiences

If home is where the heart is, the decision to up and move to a new town, city, country or continent is not one to be taken lightly. After all, what we derive our sense of home from is hard to define, and a concept that perhaps becomes ever more elusive, the more we travel in search of it.

When we speak about living in Canada with most of our friends living in other parts of the world, we normally get a favourable response: Wow, Canada’s so beautiful. The nature is incredible. Canadians are so friendly. The political situation is so much better there.

Toronto was our first port of call in Canada – a decision born from practical concerns rather than anything else: It’s on Eastern Standard Time, within 7 hours flying time to Europe, speaking French isn’t mandatory to get a job, and it’s Canada’s most multicultural city. Before we arrived with our six suitcases in Toronto, Ravi had never set foot in Canada, and I’d spent a grand total of two days for business meetings – with no exploration time built in.

It’s fair to say that moving to Toronto was hardly the most considered decision we’ve ever made. What brought us here was Ravi’s Permanent Residency of Canada which he’d been in the application process for a number of months before we had even met.

By the time Ravi’s PR came through I knew I wanted to join him, and I applied for a two year working holiday visa which was miraculously approved within days (some applications sit in the ‘pool’ for months, or never get approved – it’s luck of the draw).

the toronto skyline in summer

Toronto’s skyline on a summer’s evening… not too bad!

And we’re not the only ones. Back in India (and many other countries, we’re sure), Canada is hailed as pretty much the holy land. You can’t drive more than one kilometre in Punjab without seeing a “Study English, move to Canada” advert by some school or another. And more importantly, it’s a country which still allows immigration in some form, where many others (including my home one) are sadly doing all they can to keep migrants out.

This post is written from our own learnings about the experience of moving to and living in Toronto, Canada – and perhaps some of what we wish we would have known before hand. It’s written from our perspective: We’re a British and Indian couple in our mid 30’s. We like peace and quiet. We like travelling. We love nature. We love good food even more. And, we love warm weather (you can see where this is going).

We’re not trying to be grumpy middle-aged people complaining about Toronto. Rather we’re trying to bring across what moving to a place like Toronto is really like – especially for those coming from wildly varying cultures and countries.

So, is Toronto a good place to live? Let’s find out.

Life in Toronto, Canada

The Good

When people ask what is Toronto like, there are plenty of good things to point out about the Toronto lifestyle.

Toronto living is perhaps the perfect introduction to Canada. It’s Canada’s biggest city as well as its most diverse, and its possible to find a token of most cultures from around the world here. For us that was a bonus point. For obvious reasons we love our Indian food, and Toronto is not short of Indian grocers, supplies and restaurants (although the better ones are in Brampton and Mississauga). Overall, the quality of life in Toronto is good – especially if you love winter sports.

Getting around Toronto is a breeze and although many locals bemoan the public transit system (the TTC) it’s never really hard to get somewhere within the downtown core or city by public transit. The main method of getting around is by trams (streetcar as they are called in Toronto), or for journeys that happen to coincide with the central north-south or west east lines there is a limited subway. Ride hailing with Uber and Lyft is affordable, and Go Trains link downtown Toronto with suburbia within the greater Toronto area (GTA).

public transit in toronto
It’s relatively easy to move around Toronto on the streetcars (trams)

If you’re looking for Entertainment, Bars, and Clubs, Toronto is the city for you: It has some great Entertainment. Just don’t come to us when you find you’ve spent all your paycheck on drinks!

Torontonians themselves are welcoming and are generally willing to help those who look lost or are in need of assistance. Within our first few months in Toronto we were invited to Thanksgiving dinners by new friends; the streetcar drivers actually wait for you when you’re running, and people have always been happy to explain how things work in the city.

The Summers! As a consolation prize for the extended months of ice, Toronto gets a hot and humid summer: Which invariably means spending summers out of town alongside lakes (better start saving for that summer cottage now), trips to the Toronto Islands on the Ferry and plenty of things to do in Toronto in Summer from browsing Farmers Markets and Food Festivals to enjoying the green spaces outside of the city. Torontonians seem to have their own schedule for summer: We’ve noticed that many seem to don their shorts come May 1st – regardless of whether the outside temperature is above freezing or not…

the beaches, toronto
“The Beaches” area of Toronto

The Bad

The Cost of Living has been creeping steadily up in Toronto over recent years, particularly as more people move to the city and demand for everything increases. Among the most expensive things about living here are housing (see below for budgets in our FAQ), transportation is expensive with a monthly Toronto Transit pass costing $160.  Alcohol will cost you (as is the case across Canada), and if you’re thinking about owning a car, you might just want to look up the insurance prices first. For clothes, all self-respecting Torontonians head across the border to Buffalo, NY every once in a while where there is a choice of clothing brands at about 30% less of the cost. Living in downtown Toronto is a great experience for newcomers if you want the city life, but it’ll cost you.

Update 2021 – As many people have been trying to leave cities throughout the pandemic, the cost to live in Toronto has decreased. In 2020 many downtown condos were going for half the price the would have been rented at the year before. Things are stabilising now, but fortunately rental costs are less than they once were. According to a recent market report, the average monthly rental price for a downtown condo has fallen from around $2000/month to $1750/month.

The Construction. As Toronto has soared in popularity as a place to live, it has quickly run out of places for its new- and old- comers to live, especially affordable ones. Clearly, more accommodation needs to be built. The skyline of Toronto, like many other “world cities” has become peppered with cranes. Come summer (the season which the ground is not frozen in) and many a luxury downtown condo is surrounded by construction of the same. While development truly necessary (and caused by immigrants such as us), we experienced the reality of living in what is essentially a big construction site: Where we weren’t able to open our windows without being greeted by the predictable melody of drilling.

Toronto construction
Cranes pepper the Toronto skyline, like many other world cities

The Distances as a European (if I still get to say that – thanks Brexit), I’m used to the idea of hopping on the train to Paris for lunch. The idea of it taking more than a day to get somewhere by train is unheard of. The idea of not being able to get a train there even less so. Although Toronto is actually one of Canada’s best connected cities, with frequent trains to Montreal and onwards to Quebec, or to Ottawa and Niagara and London ( London, Ontario – that is), what looks like a tiny hop on the map can turn out to be a 7 hour drive. Hardly an option for a day trip. Travel is also expensive in Canada, with sleeper berths on the mighty Canadian (train) to Vancouver going for upwards of $2000 and flights to Vancouver costing the same as a flight back home to London. A weekend escape to Niagara on the Lake will easily set you back about $1000.

The Food – this one might be a bit controversial, as to many, Toronto is a foodie destination, with a wide range of cuisines and cutting edge eateries inspired from around the world. Our issue was with the quality of ingredients. Given that Ontario’s soil is frozen for much of the year, it’s pretty difficult to grow much that tastes good without artificial help and most food is imported from the US. Which played havoc with our stomachs compared to what we were used to in Europe & India.

The Canada you’ve seen on Instagram is not Ontario. Depending on your perspective, this might be a good thing. But generally, we’ve found that when people think of Canada they’re thinking of Banff, Lake Louise and the Rockies. Well: Ontario (and especially not Toronto) look nothing like that. Ontario is flat, full of woods and lakes and is pleasant, but getting out to the prettiness of those woods and lakes takes time, money and a car. Accessing countryside around Toronto is really difficult without a vehicle: Your best bet is to hire one. There is one public bus service during summer to Alonquin Park as an alternative that is worth checking out. Renting a cottage in cottage country is also an option, but prepare to have deep pockets for summer weekends and book well in advance.

The Job Market can be Tough. We had assumed that it would be relatively easy for Ravi to find work in Toronto – after all he has an MBA and several years of experience working in marketing. But the Toronto job market is tough and getting tougher – as local students and immigrants compete for jobs. We found that it was essential to get Canadian experience or studies under our belts in order to have a chance of being considered for jobs, and we’ve come across many immigrants who are doing jobs that are a fraction of the level they would be working at back home.

winter in Toronto
We are the north has a literal meaning, too!

The Ugly

Ravi and I now have a running joke between us that before we want to move anywhere, we have to check the weather forecast. For all seasons of the year.

And that’s because Canadian Winters are no joke. If you love the cold weather and winter sports then you can skip this, you’ll be just fine. For those who like their weather warm (like us) and are concerned about Canadian winters, you have every right to be! One of the bad things about Toronto you’re unlikely to forget is the weather.

Toronto’s winter is *relatively* mild by Canadian standards, with lows reaching down to a mere -30 degrees C during an average winter. (Montreal gets colder, as does Calgary, Edmonton, Ottawa and of course anywhere further North). The only milder options are in Nova Scotia and British Columbia: It’s no accident that Vancouver is Canada’s most expensive city.

But the Toronto winter can have a real impact on your life. It gets windy in downtown Toronto, bringing arctic gusts around the tall buildings, creating a piercing chill as you wait for the streetcar. The winter we just survived (2018-9) was apparently one of the worst (we’re not convinced) and lasted from November to May.

The “polar vortex” arrived in February and brought frozen water and air that bit any skin it touched.

For winter in Toronto, newcomers need to be well prepared. That means serious winter coats made from down that will set you back a few hundred dollars. You need a coat that at least goes down to your thighs and has a hood. Hats, good gloves and boots that can handle the snow are all a must.

But then aside from the winter itself are its effects. Much of Toronto seems to hibernate and social activities grind to a halt for all but the most determined. It’s easy to stay indoors and not do much at all, which over time can lead to depression. I found myself getting headaches from the cold on windy days as my brain struggled to understand how it could look so warm and beautiful looking outside from in (the winter skies are often a piercing blue) despite the temperature being -20 degrees celsius.

For me, one of the hardest things about the Toronto quality of life was not how cold the winter got, but how long it lasted. By March, I felt the daffodils should be making an appearance, but snow commonly stays in Toronto until mid May.

What’s It Like Living in Toronto?

Should you move to Toronto? As I’ve covered above, your opinion on what is living in Toronto like will really depend on your values, desired lifestyle and preferences. If you’re looking for a cosmopolitan city and have done your research on the weather, then it could be just the place for you. As the biggest city in Canada, you won’t be disappointed by the entertainment on offer. But, if you’re used to Europe, you may be disappointed by the lack of culture.

However, if it’s nature that you crave and aren’t sure you want to spend half your salary on renting a condo, then you may be better off elsewhere. BC is hard to beat for nature, but is pricey – other parts of Canada such as Nova Scotia have a beautiful coastline and don’t see as cold winters as Toronto.

Clearly we are not fans of cold and the winter got us down. All of the things to do in and near Toronto in winter involve winter sports, so if you are not a winter person, we urge you to think carefully about this aspect of living in Toronto as winters are long and can last more than half the year. With the average starter job vacation leave of 2 weeks per year, there’s no guarantee you’ll be able to fly south often to escape it, either.

Corktown Common, Toronto
Our favourite place in Toronto: Corktown Common

In Search of Home

Our experiences of living in Toronto may not be those of typical newcomers to the city. After all, I had firmly decided that I didn’t intend to live anywhere colder than London (UK), and that I didn’t want to live in a big city. But then we ended up in Toronto.

It’s perhaps no surprise then that the concrete and icy coldness of Toronto choked us and left us with a soul-less feeling.

Our journeying to Toronto from Mumbai – a warm, wet, still partly jungled city could not have provided more of a contrast. The lack of people on the street, the privacy and the overwhelming consumerism of the average North American city provide real reverse culture shock. Then there’s the fact that no-one knows who their neighbours are in the condo-blocks, let alone talks to them. It’s perhaps obvious that we found it hard to make friends: We found that although the welcome is friendly, there’s a limit to that friendliness. Finding friends who you can call up to hang out with at five minutes notice takes time – more time than we were willing to give Toronto.

There’s no doubt that living in Toronto – and Canada – in general offers a great quality of life. It’s possible to get things done without bribing officials, the crime levels are generally low, health care is good (*if* you have access to it – those on temporary work permits do not which gets expensive) and salaries can be good. But the cost of living is also high.

Despite the hardships that are prevalent in many developing countries, they all have something which is missing from the streets of Toronto: Innocent joy. Whether it’s reading the morning paper in the sunshine, enjoying a fresh cup of ginger chai, or listening to the sound of kids playing in the streets… these are the things we miss.

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Living in Toronto, Canada - read our advice if you're considering moving to Toronto!

Living in Toronto FAQs

How much does Living in Toronto cost? 

At time of writing, a one bedroom condo (apartment) in downtown Toronto (of very small proportions) can easily go for around $2000 CAD per month, excluding utilities. If you’re willing to move further out away from downtown or live in a basement, rents decrease to around $1500 per month. Sharing with others can be a good way to save money too. Mobile/Cell phone plans are some of the most expensive in the world here, and you can easily expect to pay around $100 a month on your phone. Groceries cost around $500 per month for 2 people. 

What’s the Toronto winter like? 

Although winter in Toronto is pretty bad, it’s not as cold in Toronto as it gets in Montreal, Calgary, or anywhere further north in Canada. Winter is usually bright skies and sunny days, but chilling temperatures of down to negative 20 or negative 30 degrees centigrade, more when you add in wind chill. Winters are dry but there’s a fair amount of snowfall. Luckily, the city is well prepared for snow, and it doesn’t stop people from getting around. Winter generally lasts from October – March or April. Autumn/fall can be rainy, and spring can take a long while to warm up. We don’t recommend moving to Toronto in winter if you haven’t lived in a very cold climate before, as it can cause real depression. 

Leaving Toronto

Everyone has their own ideas about what makes a great place to live. It’s clear that Toronto wasn’t ours. So in August 2019, just over a year after we moved to Toronto we made the call to follow our hearts and head west, to Vancouver Island. Not only is it home to incredible nature and wildlife, it’s home to the mildest winter in Canada.

We haven’t looked back 😉

Are you considering moving to Toronto, or are you living in Toronto as an expat? Let us know your thoughts and questions in the comments below!

Read more on Toronto on Soul Travel: 

Moving to Toronto

Visiting Toronto Islands in Winter

Our Favourite things to do in Toronto in Spring & Summer

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Renee Gunter January 12, 2020 - 9:41 am

Hi Ellie. Thank you for your interesting article on Toronto. My husband & I are planning to immigrate to Canada. We’re from Cape Town, South Africa. We’re looking at either Toronto or Vancouver/Vancouver island. I really hate hot & humid weather. How are you finding life in BC? Your insights will be very helpful 🙂 Warm Regards Renée

Paulina Mievre February 12, 2020 - 7:33 pm

Hey, I just read your article. My company is considering me for a move to either Mississauga (right next to Toronto) or London. I was born and raised in Paris, France and have been leaving in Boston, US for 2 years. I am currently 24 years old. Would you be able to share with me the pros and cons of both cities? Granted I’d be moving alone and would like to meet new people quickly where I move.

Kwene March 7, 2020 - 3:36 pm

-30 C in Toronto is rare. I’ve lived there for many years in the past and the coldest I’ve ever experienced was -25 for a few short days. -10 is about the average ‘coldest’. You can get a good down winter jacket for around $200 or less. Just have to know where to shop. (Try Mountain Warehouse.) Canadians are friendly in general but like anywhere else, it takes time to make friends in our social-media crazed world. You sound like a decent couple…if I ever move back to TO, we can meet up for coffee and maybe friend up. I too an am immigrant and have made many good Canadian friends over the years…just need to go at Canadian pace (ie slowly).

William January 20, 2021 - 12:02 pm

Lots here resonated with me having lived in Toronto for 3 years. I didn’t mind the winters so much in terms of cold, but more for the length – they go on for SO LONG.

I would also say that Toronto isn’t a particularly attractive city – lots of plain ugly architecture,, big parking lots etc. You can forgive that in summer but couple with the bleak winters, it gets you down. I should note that personally I found some of the summer as hard as the winter – its incredibly hot and humid, and unlike winter when you can always put more clothes on, there’s a limit to how many you can take off in the summer..

Totally agree about difficult access to the country, and even when there there aren’t footpaths in the UK sense, so you’re often restricted to the cottage you’re staying in, and as you say, other cities are a long way away.

Toronto can also be weirdly parochial, and I think is torn between wanting to be a world city, but also protecting its ‘Canadian-ness’. I often wondered whether the difficulties I encountered at work were as a a result of me being brought in from abroad.

This all said – I enjoyed it. Its a friendly place compared to London, UK, and people stop and give you the time of day. My local shopkeepers knew me and chatted with me. It’s quieter and less frenetic than London or NYC and you get a slower, more human pace of life. I enjoyed the fact that lots of the shops were independent and there aren’t as many bland chains as you’d get in the UK. And despite it being expensive for Canada, compared to London I could rent a lovely one bed flat, with a garden, surrounded by lovely shops and restaurants AND be only a 30 min walk from downtown. I couldn’t afford that in London.

To Paulina above – I really hope you went for London. Mississauga is a bland suburb/satellite of Toronto, would be quite a shock after Boston and Paris.

Kwene March 7, 2020 - 3:41 pm

An attempt to answer Paulina’s question above: Toronto and Boston are two very different city with different vibes. Parts of Boston can be quite ‘tough’ and other parts can be ‘snotty’. I find Americans are in general more outgoing, extroverted and friendlier but that does not mean they are your friends. When I lived in the US, most of my good friends turn out to be Canadians or Europeans. Toronto is more multicultural with a lot more arts and culture. Toronto is more diverse and more ‘genteel’ compared to Boston. There’s a certain sense of sloppiness that I found in Boston that is not apparent in Toronto. In general, I find Canadians a little more like Europeans even though they often sound rather American. I’ve lived and worked in both cities, an I’d choose Toronto any day any time.
Hope this helps a bit.

Brian June 17, 2020 - 4:48 pm

Thank you for this honest review. Been an eye-opener! We are considering moving to Vancouver but would like to know the good, bad and ugly about the city as well! Would be very helpful knowing the reality of moving to the most expensive city in the West. We like you, are British-Asians and have a 1-year-old daughter to accompany us 🙂

Breezyleaf December 31, 2020 - 9:04 pm

Loved your fresh perspective and raw honesty! This was exactly what I needed to hear! I’ve been considering a move to Toronto but felt like I needed to get a real-life perspective and this gave me exactly that! Sooooo cold!!!!


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