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Montreal vs Ottawa: Cost of Living Compared

A side-by-side comparison of rent, daily expenses, and quality-of-life factors in Montreal (Canada) and Ottawa (Canada). Data sourced from official government statistics, updated 2026.

CategoryMontrealOttawa
CountryCanadaCanada
CurrencyCAD ($)CAD ($)
1BR Rent Range$1,400 - $2,300Cheaper$1,800 - $2,500
2BR Rent Range$1,800 - $3,000Cheaper$2,400 - $3,300
Groceries / mo$450Cheaper$480
Transport Pass / mo$99Cheaper$125
Dining Out / mo$250Cheaper$270
English Level4/5 (Good)5/5 (Excellent)Cheaper
Neighborhoods Tracked65
Healthcare SystemPublic (Provincial Health Insurance)Public (Provincial Health Insurance)

Verdict

Overall, Montreal tends to be more affordable when comparing rent, groceries, transport, and dining costs. However, the two cities use the same currency, so exchange rates and local salary levels also play a significant role. Use our calculator to see what your specific salary means in each city.

Explore Montreal

6 neighborhoods, rent data, and full cost breakdown in Canada

View Montreal details

Explore Ottawa

5 neighborhoods, rent data, and full cost breakdown in Canada

View Ottawa details

Calculate your salary in both cities

Enter your gross salary to see net pay, rent affordability, and savings potential in Montreal and Ottawa.

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Frequently Asked Questions

Is Montreal or Ottawa cheaper to live in?

Based on our data, Montreal is generally cheaper to live in when comparing rent, groceries, transport, and dining costs. However, costs vary significantly by neighborhood and lifestyle.

What is rent like in Montreal vs Ottawa?

In Montreal, 1-bedroom rents range from $1,400 to $2,300 per month across 6 neighborhoods. In Ottawa, 1-bedroom rents range from $1,800 to $2,500 per month across 5 neighborhoods.

How do transport costs compare in Montreal vs Ottawa?

A monthly public transport pass costs $99 in Montreal and $125 in Ottawa. Both cities have well-developed public transit systems.

Which city is better for expats, Montreal or Ottawa?

Montreal has an English proficiency rating of 4/5 (Good) and Ottawa rates 5/5 (Excellent). Montreal uses Public (Provincial Health Insurance) healthcare, while Ottawa uses Public (Provincial Health Insurance). Both factors are important for expats considering a move.

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Updated Mar 2026

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© 2026 AffordWhere. Estimates only, not financial advice.

2026 tax rules • Mar 2026 rent data