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Toronto's population: more than half born outside Canada

Extremely diverse city, with strong South Asian, Chinese, Filipino, Caribbean, Italian, and Portuguese presence. English is the lingua franca.

About half of Toronto's population was born outside Canada, a rare share in the world. South Asian (India, Pakistan, Sri Lanka), Chinese (Hong Kong, mainland, Taiwan), Filipino, Caribbean (Jamaica, Trinidad), Italian, Portuguese, Ukrainian, and Iranian communities have their own neighborhoods and institutions.

English is the primary language, but at home many speak Mandarin, Cantonese, Punjabi, Tagalog, Tamil, Urdu, Italian, Portuguese, or Spanish. The Brazilian community has grown in recent years, with concentration in Little Portugal (Dundas West) and Mississauga. There are stores with Brazilian products, evangelical churches, and June Festival parties in the summer.

The population is young by Canadian standards, driven by working-age immigrants and international students at U of T, Ryerson (now TMU), and York. Established families generally migrate to the GTA suburbs, while singles and young couples stay closer to downtown.

Languages spoken
  • English
  • Mandarin and Cantonese
  • Punjabi
  • Tagalog (Filipino)
  • Tamil
  • +4 more
Main religions
  • Christian (Catholic and Protestant)
  • Unaffiliated
  • Muslim
  • Hindu
  • Sikh
  • +2 more

Cost of living in Toronto: one of the highest in Canada

Rent is the heaviest item. Food, transportation, and taxes follow the Canadian standard. Living without a car saves a lot in the center.

Toronto competes with Vancouver for the title of most expensive city in Canada. Rent for a one-bedroom apartment near downtown (Yonge-Bay, King West, Liberty Village) usually runs between CAD 2,300 and CAD 2,800 per month. In slightly more distant neighborhoods (Junction, East York, Scarborough), it drops to CAD 1,700-CAD 2,100. A shared room costs CAD 800-CAD 1,200.

Groceries at chains like Loblaws, Metro, No Frills, and FreshCo are reasonable, but fruits, dairy, and meat cost more than in Brazil. A meal at a casual restaurant goes for CAD 18-CAD 30. A coffee at Tim Hortons or Balzac's runs CAD 4-CAD 7. A beer at a pub is around CAD 9.

The monthly TTC pass (public transit) is CAD 156. A mobile phone plan runs CAD 50-CAD 80. Living without a car saves a lot, since monthly downtown parking can exceed CAD 300. Income tax (combined federal and provincial) reaches nearly 30% for middle incomes.

127Cost index (US = 100)27% above US average
CategorySingleCoupleFamily (2 + 2)
iHousing$1,668$2,060$2,650
iFood$392$785$1,423
iTransport$373$686$883
iHealthcare$78$157$275
iChildcare$1,717
iOther$530$883$1,177
Monthly total$3,041$4,571$8,125

Source: Statistics Canada (SHS 2022 + CPI 2024) · Estimates in USD, monthly.

Housing in Toronto: condos downtown, houses in established neighborhoods

The center is dominated by residential towers (condos). Brick houses are in older neighborhoods. Many people end up in Mississauga, Brampton, or Scarborough.

Downtown Toronto is vertical: residential towers (called condos) dominate Yonge-Bay, CityPlace, Liberty Village, King West, and the Distillery District. Apartments are usually small (350 to 600 square feet, or about 30 to 55 square meters), but they have a gym, pool, and 24-hour concierge. Families prefer traditional neighborhoods like The Annex, Leslieville, High Park, and Roncesvalles, with brick houses and yards.

Those looking for better prices look to Scarborough, Etobicoke, North York, or the neighboring municipalities (Mississauga, Brampton, Vaughan, Markham), all covered by GO Transit and some subway lines. East York and The Junction are among the neighborhoods that have risen the most in recent years, still affordable compared to downtown.

To rent, the landlord asks for proof of income (usually a letter from the employer), references from previous rentals, Canadian credit (Equifax or TransUnion), and half a month's deposit. Newcomers usually need a co-signer or to pay 6 to 12 months upfront. Popular sites are Realtor.ca, Zumper, PadMapper, Kijiji, and Facebook Marketplace.

Recommended neighborhoods
  • King West and Liberty Village (downtown, young professionals)
  • The Annex (near U of T, old houses)
  • Leslieville and Riverside (family, cafes)
  • Roncesvalles (Little Poland, quiet)
  • High Park (park, families)
  • +3 more

Toronto job market: banks, technology, healthcare, and construction

Home to the five major Canadian banks, a growing tech hub, large hospitals, and booming construction in the GTA.

Toronto is the heart of Canada's financial sector. Bay Street concentrates the five major banks (RBC, TD, Scotiabank, BMO, CIBC) and the largest insurance companies (Manulife, Sun Life). Openings in finance, accounting, compliance, and auditing are abundant but require a Canadian CPA or local certifications (CFA, FRM).

The city has also become a tech hub. Google, Microsoft, Shopify, Amazon, Meta, and Uber maintain large offices. There is a strong AI corridor tied to the Vector Institute and U of T. Salaries in software development run CAD 85,000-CAD 150,000 per year, below comparable American cities.

Hospitals like Toronto General, SickKids, Sunnybrook, and Mount Sinai are major employers, but they require degree validation for foreign doctors and nurses. Construction, hospitality, retail, and logistics (with Pearson and the port) absorb many newcomers. Ontario's minimum wage is CAD 17.20 per hour (2024).

Dominant sectors
  • Banking and finance
  • Technology and software
  • Healthcare and biotechnology
  • Higher education
  • Construction
  • +2 more
Major employers
  • Royal Bank of Canada (RBC)
  • TD Bank
  • Scotiabank
  • Bank of Montreal (BMO)
  • CIBC
  • +5 more

Education in Toronto: public schools and one of the best universities in the world

Children of residents have free public school. The University of Toronto ranks among the top 25 in the world. York, TMU, and OCAD complete the scene.

Children of residents (including those on a valid work or study visa) have a right to free public school through the Toronto District School Board (TDSB) or the Catholic system (TCDSB). Quality varies by neighborhood: Leaside, North Toronto, and parts of Etobicoke tend to have better-rated schools. There are also French Immersion programs in nearly every district.

The University of Toronto (U of T), with three campuses (St. George downtown, Scarborough, and Mississauga), ranks among the top 25 in the world. Strong in medicine, engineering, computer science, law, and the Rotman School of Management. Toronto Metropolitan University (TMU, formerly Ryerson) is more applied, with a focus on journalism, design, and business. York University is in the north.

OCAD University is Canada's largest art and design school. Toronto also has public colleges (George Brown, Humber, Seneca, Centennial) that take in thousands of international students with practical 1-3 year programs. International tuition ranges from CAD 20,000 to CAD 60,000 per year. To study, foreigners need a federal study permit.

Notable universities
  • University of Toronto (U of T)
  • Toronto Metropolitan University (TMU, formerly Ryerson)
  • York University
  • OCAD University (art and design)
  • George Brown College
  • Humber College
  • Seneca College
  • Centennial College

Healthcare in Toronto: OHIP covers residents, reference hospitals downtown

OHIP covers Ontario residents after a waiting period. Getting a family doctor takes time, but hospitals like the General and SickKids are world references.

Healthcare in Toronto is covered by OHIP (Ontario Health Insurance Plan), free for permanent residents and most work-visa holders with more than six months. There is a waiting period of up to three months upon arrival, so private insurance in the first months is practically mandatory.

The system is universal but has wait times. Getting a family doctor can take months or even years. For one-off issues, there are walk-in clinics and telemedicine (Maple, Telus Health, Tia Health). In emergencies, Toronto has world-reference hospitals: Toronto General, SickKids (pediatrics), Mount Sinai, Sunnybrook, and St. Michael's, all concentrated on University Avenue.

Medications are not covered by default for adults. An extended health plan (usually offered by employers) covers dentist, physiotherapy, glasses, and medications. Children under 24 are covered for medications through OHIP+. Those who arrive without coverage pay out of pocket, but prices are still much lower than in the US.

Healthcare index74.0 / 100
  • Life expectancyyears at birth
    81.6yrs
  • Doctors per 1kpracticing physicians
    2.8
  • Health spendper capita, per year
    $6,187
  • Public systemoverall quality rating
    Good

Safety in Toronto: a large city considered very safe

One of the safest large cities in North America. Violent crimes are rare in residential neighborhoods. Petty theft and car theft have been rising.

Toronto is one of the safest large cities in North America. Walking at night in Yorkville, The Beaches, Riverside, Leslieville, Yonge-Bay, or The Annex is fine. The police (TPS) are seen more in community policing than in heavy presence. Women report walking alone without major concern.

The more sensitive spots are parts of Jane-Finch, Rexdale, Regent Park (in recovery), and some areas of Scarborough, where there have been gang-related incidents. Even in those neighborhoods, violence is usually among involved groups, rarely affecting bystanders. Shootings have become a concern in recent years, but concentrated in specific points.

The most common daily crimes are bike theft, car theft (especially Honda CR-V, Lexus RX, and Toyota Highlander, exported illegally), and break-ins to parked cars. Be careful not to leave anything in plain sight. Bikes need a U-lock and ideally should be stored indoors.

Safer neighborhoods
  • Yorkville
  • The Annex
  • Leslieville
  • Forest Hill
  • Beaches
  • Rosedale
Areas to avoid
  • Jane and Finch after dark
  • Regent Park on isolated streets at night
  • Moss Park near Sherbourne

Transportation in Toronto: TTC, GO Train, and Pearson Airport

The TTC covers the city with subway, streetcars, and buses. GO Trains connect the suburbs. Pearson (YYZ) is the country's largest aviation hub.

The TTC operates Toronto's public transit with two main subway lines (Yonge-University and Bloor-Danforth), streetcars through downtown (King, Queen, Spadina), and buses throughout the city. A single fare costs CAD 3.30 and includes two hours of transfers. Line 1 (Yonge) reaches Vaughan in the north and covers much of the residential neighborhoods.

For those living in Mississauga, Brampton, Hamilton, Markham, or Oshawa, the GO Train is the main daily connection to downtown. Trains depart from Union Station and serve the entire GTA. UP Express connects Union Station to Pearson in 25 minutes, with departures every 15 minutes.

Toronto Pearson International Airport (YYZ), in Mississauga, is Canada's largest, with direct flights to Tokyo, Hong Kong, Sao Paulo, Lisbon, Frankfurt, Dubai, and most major American cities. Billy Bishop Airport (YTZ), on the islands across from downtown, serves regional flights and has a quick ferry. Those who live downtown live well without a car, but in Scarborough and Etobicoke, having a vehicle helps.

Airports
  • YYZ — Toronto Pearson International Airport
  • YTZ — Billy Bishop Toronto City Airport
  • International airport
  • Bike infrastructure

What the Climate Is Like Living in Toronto

Toronto has a humid continental climate with four distinct seasons, moderated by Lake Ontario. Summers are warm and humid; winters are cold and snowy.

Summer in Toronto runs from June through September, with highs between 26 °C and 30 °C, high humidity, and heavy afternoons. Heat index values can exceed 35 °C during heat waves. Air conditioning is essential at home and on transit. The lake cools the waterfront, but downtown stays muggy.

Winter is cold and long. From December through March, highs range between -2 °C and 1 °C, with lows of -15 °C common in January. Snow accumulates across multiple events each season, totaling around 120 cm annually. The PATH, a 30 km underground network, connects downtown on the coldest days.

Homes in Toronto use natural gas heating, and newer builds include central air conditioning. Winter tires, a warm parka, and waterproof boots are essential from December through March. Spring is short, and autumn is the most scenic season, with trees turning red and yellow.

Sunny days / year305 days
Avg high (°F)
  • 44°J
  • 47°F
  • 54°M
  • 61°A
  • 75°M
  • 82°J
  • 85°J
  • 84°A
  • 81°S
  • 74°O
  • 60°N
  • 50°D
Avg low (°F)
  • 12°J
  • F
  • 19°M
  • 29°A
  • 37°M
  • 49°J
  • 62°J
  • 61°A
  • 54°S
  • 40°O
  • 28°N
  • 22°D
Rainfall (")
  • 2"J
  • 2"F
  • 2"M
  • 2"A
  • 2"M
  • 2"J
  • 3"J
  • 2"A
  • 2"S
  • 3"O
  • 2"N
  • 2"D

Toronto culture: hockey, food from around the world, TIFF, and ethnic neighborhoods

City of festivals (TIFF, Caribana), global cuisine, hockey (Maple Leafs), and basketball (Raptors). Ethnic neighborhoods are the heart of cultural life.

Toronto's culture is organized by neighborhoods: Kensington Market and Chinatown for markets and cheap food, Little Italy and Little Portugal for cafes and bakeries, Greektown (Danforth Avenue) for taverns, Koreatown (Bloor West) for Korean BBQ, Little India for saris and curry. Each has its own summer festival.

The food scene is one of the richest in the world. You can have dim sum in Markham, biryani in Scarborough, jerk chicken on Eglinton West, premium sushi in Yorkville, and pierogi in Roncesvalles. Restaurants like Alo (fine dining), Pai (Thai), Bar Raval (Spanish), and Lahore Tikka House (Pakistani) are references.

Sports is religion: Toronto Maple Leafs (hockey, NHL), Raptors (basketball, NBA, 2019 champions), and Blue Jays (baseball). Festivals include TIFF (International Film Festival, in September, with Hollywood stars), Caribana (Caribbean festival, August), Pride (June), and Nuit Blanche (nighttime art in fall).

Notable dishes
  • Peameal bacon sandwich
  • Poutine
  • Butter tart
  • Caribbean roti from Little Jamaica
  • Chinatown dim sum
  • +3 more
Annual events
  • Toronto International Film Festival (TIFF)
  • Caribana (Toronto Caribbean Carnival)
  • Canadian National Exhibition (CNE)
  • Pride Toronto
  • Nuit Blanche Toronto
  • +3 more

What to see in Toronto: CN Tower, museums, and multicultural neighborhoods

Toronto brings together skyscrapers on the Lake Ontario waterfront, major museums, islands with beach, and dozens of cultural neighborhoods. It is one of the most diverse cities in the world and that is reflected in its tourist offering.

The literal high point is the CN Tower, on the Lake Ontario waterfront, with a glass-floored observation deck and the EdgeWalk for the brave. Around it are Ripley's Aquarium of Canada and the Rogers Centre, home of the Toronto Blue Jays. A few minutes' walk away, the Distillery District holds Victorian warehouses transformed into galleries and cafes, and St. Lawrence Market, founded in 1803, remains a culinary reference.

For museums, the Royal Ontario Museum on Bloor Street, and the Art Gallery of Ontario, designed by Frank Gehry, form the main cultural axis. The Aga Khan Museum, in the northeast of the city, is a reference in Islamic art. For children, the Ontario Science Centre and the nearby Toronto Zoo, in Scarborough, are worth the trip. In summer, the Toronto Islands become a ferry destination for beach and cycling with skyline views.

Neighborhoods are the city's heart. Kensington Market and Chinatown sit next to each other near Spadina Avenue. Little Italy on College Street and Little Portugal on Dundas West keep European roots. Greektown on the Danforth, Koreatown on Bloor, and Little India on Gerrard East show contemporary Toronto. The Beaches, in the east, offers a lakeside stroll away from downtown.

  1. 1CN Tower
  2. 2Royal Ontario Museum (ROM)
  3. 3Art Gallery of Ontario (AGO)
  4. 4Distillery Historic District
  5. 5Ripley's Aquarium of Canada
  6. 6Casa Loma
Parks & green spaces
  • High Park
  • Toronto Islands
  • Trinity Bellwoods Park
  • Edwards Gardens
  • Tommy Thompson Park
  • +1 more

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