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Cost of Living in St. Thomas

St. Thomas, Ontario, Canada · Population 45,732

▼ -16% vs Canada average

Single person, monthly (incl. rent)$1,304 ($959)
Couple, monthly$2,368 ($1,741)
Family of four, monthly$3,115 ($2,290)

Estimated Prices in St. Thomas

ExpenseEstimated costBasis
Meal at an inexpensive restaurant$12.12 ($8.91)per meal
Three-course meal for two, mid-range$48.47 ($35.64)per meal
Cappuccino$3.64 ($2.67)each
Monthly groceries (single person)$275 ($202)per month
Monthly public transport pass$44.43 ($32.67)per month
Basic utilities for an 85m² apartment$117 ($86.13)per month
Internet (60 Mbps, unlimited)$33.93 ($24.95)per month
Fitness club membership$33.93 ($24.95)per month
Cinema ticket$8.89 ($6.53)each
One-bedroom apartment in city centre$713 ($524)per month
One-bedroom apartment outside centre$496 ($365)per month
Three-bedroom apartment in city centre$1,488 ($1,094)per month

Salary & Budget Planning

The estimated average net salary in St. Thomas is $3,917 ($2,880) per month. To live comfortably — covering the full single-person budget of $1,304 ($959) with about 30% left over for savings — you would need a net income of roughly $1,695 ($1,246) per month.

Housing takes the largest share: rent for a one-bedroom outside the centre ($496 ($365)) represents about 38% of the total single-person budget.

Compare St. Thomas

St. Thomas vs TorontoSt. Thomas vs MontréalSt. Thomas vs VancouverSt. Thomas vs CalgarySt. Thomas vs EdmontonSt. Thomas vs Ottawa

Nearby Cities

Central Elgin

7 km away · Ontario

Malahide

20 km away · Ontario

London

24 km away · Ontario

Thames Centre

30 km away · Ontario

Middlesex Centre

38 km away · Ontario

Tillsonburg

38 km away · Ontario

Ingersoll

38 km away · Ontario

Strathroy-Caradoc

41 km away · Ontario

Other Major Cities in Canada

Toronto

Ontario · pop. 5,647,656

$1,952 ($1,435) / mo

Montréal

Quebec · pop. 3,675,219

$1,690 ($1,242) / mo

Vancouver

British Columbia · pop. 2,426,160

$1,690 ($1,242) / mo

Calgary

Alberta · pop. 1,306,784

$1,690 ($1,242) / mo

Edmonton

Alberta · pop. 1,151,635

$1,690 ($1,242) / mo

Ottawa

Ontario · pop. 1,068,821

$1,690 ($1,242) / mo

Winnipeg

Manitoba · pop. 758,515

$1,560 ($1,147) / mo

Quebec City

Quebec · pop. 733,156

$1,560 ($1,147) / mo

Living in St. Thomas

St. Thomas is one of the key cities in Canada. The estimated monthly cost of living for a single person is $1,304 ($959), placing it below the national average. Housing represents the largest expense, with a one-bedroom apartment outside the city centre costing around $496 ($365) per month.

For families, the estimated budget rises to $3,115 ($2,290) per month, driven mainly by larger housing needs and increased food and transport spending. Couples can expect to spend approximately $2,368 ($1,741) monthly.

The average estimated net salary in St. Thomas is $3,917 ($2,880). To maintain a comfortable lifestyle with room for savings, a single person typically needs a net income of at least $1,695 ($1,246) per month.

Frequently Asked Questions

Is St. Thomas expensive to live in?
A single person needs an estimated $1,304 ($959) per month in St. Thomas including rent outside the city centre. That is 16% less than the national average for Canada.
What salary do you need to live comfortably in St. Thomas?
A net salary of around $1,695 ($1,246) per month lets a single person cover all estimated expenses in St. Thomas with roughly 30% left for savings. The estimated average net salary in St. Thomas is $3,917 ($2,880).
How much is rent in St. Thomas?
A one-bedroom apartment costs an estimated $713 ($524) per month in the city centre and $496 ($365) outside the centre. A three-bedroom in the centre runs about $1,488 ($1,094).
Is St. Thomas cheaper than Canada on average?
Yes — St. Thomas is estimated to be about 16% cheaper than the Canada average, making it a relatively affordable option in the country.
What is the cost of groceries in St. Thomas?
Monthly groceries for one person are estimated at $275 ($202) in St. Thomas. A meal at an inexpensive restaurant costs about $12 ($9) and a cappuccino runs around $4 ($3).
How do transport costs in St. Thomas compare?
A monthly public transport pass in St. Thomas is estimated at $44 ($33). Transport makes up a small share of the total budget compared to housing and food.
Figures for St. Thomas are estimates based on Canada national averages adjusted for city size (population 45,732). Last model update: July 2026. How we calculate.