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Cost of Living in Canada for Indian Students (2024 Updated)

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Overview - Cost of living in Canada  

Planning to move to Canada for higher education? I must say it is a very-great choice. Studying in Canada is a great option for overseas students especially from India. This best study-abroad destination offers a top-notch education system perfect for international students too. You can experience a diverse culture and also gain excellent job opportunities. When we talk about the cost of living in Canada, it will be a little doubtful for international students, especially from India. But don’t worry, our study in Canada consultants are here to help you. First, you should know that the cost of living in Canada varies depending on factors such as location and lifestyle. Also if you choose an education consultant like us we will assign you with the living management too. 

Despite these costs, studying in Canada is relatively affordable as compared to other nations. Yes, Canada is affordable and has world-class universities like the University of Toronto and the University of British Columbia. Also, annual fees are relatively affordable for international students too. As a result, Canada is the best choice for study abroad and offers Indian students a high level of education and career prospects. Let’s learn a little more about studying abroad in Canada and how to manage living costs as an Indian student. 

What is the Cost of Living in Canada?

Living in Canada as an international student from India offers a unique cultural experience. Socially, Indian students can expect a welcoming and diverse environment. Canada’s vibrant cities, such as Toronto and Vancouver, have thriving Indian communities, providing access to authentic cuisine, cultural events, and festivals. 

Accommodation 

Accommodation options range from shared apartments with INR 40,000-70,000/month to homestays in INR 25,000-40,000/month, which is expensive as compared to India but affordable as compared to other countries like USA and UK. 

Food

Food expenses, one of the most important expenses but can be managed by cooking at home, which will cost you INR 15,000-25,000/month. Also, eating out at Indian restaurants will cost you as affordable as home cooking, and this will save your time and money. 

Transportation 

Transportation costs are reasonable in Canada. You can get a monthly pass costing around INR 6,000 for one month. 

Social activities

Social activities, such as exploring national parks, watching movies or attending cultural events of Canada, are plentiful and affordable too. These are some entertaining expenses for an international student and they can skip these, but as an education consultant I suggest you do these too to make yourself refresh while studying in Canada. Only studying will make you stressed, some social activities are important. 

As a result, living in this country offers Indian students a great balance of education, cultural immersion, and social experiences. All this can happen with the cost of living ranging from INR 65,000 to INR 120,000 per month. Yes, of course it depends on the lifestyle you choose. The affordable lifestyle allows international and local students to focus on academics while enjoying Canada’s diverse social scene. I must say that the hospitality of this nation makes the country feel like a home away from home.

Average Living Expenses in Canada for International Students

Average Living Expenses in Canada for International Students is totally a different factor. As a study abroad consultant in Canada, WayUp emphasizes understanding the average living costs in Canada for international students to ensure a smooth study abroad experience. Knowing these costs also enables students to budget effectively. Also, financial planning for migrating to a country like Canada is a good option.  Also, make informed decisions about accommodation, transportation, and lifestyle choices making it a hassle-free option. Also, you can contact us for a Accurate estimates, this will help you as students apply for the right amount of financial aid, scholarships or loans. Yes, WayUp Abroad will help you to get the best financial aid, scholarships or loans to study in Canada without any worries. 

Also, understanding lifestyles can help you to prepare for tomorrow. Demonstrate financial stability and meet immigration requirements. Our study in Canada experts at WayUP abroad helps students navigate these complexities. We will ensure a smooth transition to Canadian college and a successful academic journey. Get a idea by checking monthly and yearly living costs in Canada for different things: 

Expense Category Average Monthly Cost (CAD) Average Annual Cost (CAD)
Accommodation (rent) $700 - $1,500 $8,400 - $18,000
Utilities (electricity, water, heating) $100 - $150 $1,200 - $1,800
Groceries $200 - $400 $2,400 - $4,800
Public Transport $80 - $120 $960 - $1,440
Internet & Phone $50 - $100 $600 - $1,200
Health Insurance $60 - $100 $720 - $1,200
Books & Supplies N/A $500 - $1,500 (annually)
Entertainment & Leisure $100 - $250 $1,200 - $3,000
Miscellaneous (clothing, personal expenses) $100 - $200 $1,200 - $2,400

Cost of living in Canada for Families & Students

The cost of living in Canada for families and students varies depending on the province, city, and lifestyle. On average, monthly expenses for a single student range from CAD 800 to CAD 1,200 and INR 50,000 to 75,000. For families, monthly costs can range from CAD 2,500 to CAD 4,000 INR 1.5 to 2.5 L. Major expenses include accommodation will cost you $800 to CAD 1,500/month. 

Effective budgeting and planning enables families and students to manage these expenses and enjoy a high quality of life in Canada. Taking these costs into consideration helps international students and families make informed decisions about studying and living in Canada. 

Expense Category Students (Monthly in CAD) Families (Monthly in CAD) Students (INR) Families (INR)
Accommodation 800 - 1,500 1,200 - 2,500 50,000 - 75,000 75,000 - 1.5L
Food 500 - 800 700 - 1,000 30,000 - 50,000 42,000 - 60,000
Transportation 100 - 200 150 - 300 6,000 - 12,000 9,000 - 18,000
Utilities 150 - 300 200 - 400 9,000 - 18,000 12,000 - 24,000
Healthcare Insurance 50 - 100 50 - 100 3,000 - 6,000 3,000 - 6,000
Education Fees 10,000 - 20,000/semester N/A 6L - 12L (per semester) N/A
Total Monthly Expenses 800 - 1,200 2,500 - 4,000 50,000 - 75,000 1.5L - 2.5L

Cost of Accommodation in Canada for International Students

For international students, Canada offers various accommodation options with varying costs. 

On-Campus Residences Options

On-campus residences typically range from CAD 8,000-12,000  or 5L-7.5L in INR per academic year. 

Off-Campus Residences Options

Off-campus shared apartments cost around CAD 400-800 and 25,000-50,000 INR  per month, while one-bedroom apartments range from CAD 1,000-1,500 and 62,500-93,750 INR per month. 

Other Off-Campus Residences Options

Homestays

One of the most comfortable Off Campus Residences Option is Homestays. Homestays in Canada offer a family-like environment.  Homestays in Canada will cost you CAD 600-1,000 and 37,500-62,500 INR per month. This cost includes meals too. 

Studios Apartments and Rooms 

Yes, Studios Apartments and Rooms are also considered the best option for international students. Bachelor studios and rooms in Canada also known as shared houses are also available, priced around CAD 500-900 and 31,250-56,250 INR  per month. 

That's not all, international students can also choose short-term accommodations like hostels or Airbnbs. Additionally, be sure to keep in mind that location, amenities, and length of stay also affect the cost of accommodations. To ensure that options are available, students are advised to search and book in advance by viewing online. Additionally, many universities offer assistance with accommodations, making it easier for international students to find suitable accommodations in Canada. 

Travel Expenses in Canada

Travel expenses in Canada vary depending on the mode of transportation and distance. International students can expect to spend around CAD 100-300 (INR 6,250-18,750) per month on transportation. Public transportation passes, like monthly transit cards, cost CAD 90-140 (INR 5,625-8,750). Taxi fares range from CAD 10-20 (INR 625-1,250) for a 5-kilometer ride. Domestic flights can cost CAD 100-500 (INR 6,250-31,250) for one-way trips, while inter-city bus fares range from CAD 20-100 (INR 1,250-6,250). Train travel, via VIA Rail, costs CAD 100-300 (INR 6,250-18,750) for one-way trips. Car-sharing and ride-hailing services like Uber are also available. To minimize expenses, students can opt for student discounts, monthly passes, or carpooling. Additionally, many universities offer free or discounted transportation services for students, making travel affordable and convenient.

Food Expenses in Canada

Food expenses in Canada vary depending on eating habits, location, and lifestyle. International students can expect to spend around CAD 300-600 (INR 18,750-37,500) per month on food. Groceries from local markets and supermarkets cost:

  • Fresh produce: CAD 10-20 (INR 625-1,250) per week
  • Meat and poultry: CAD 20-50 (INR 1,250-3,125) per month
  • Dairy products: CAD 10-30 (INR 625-1,875) per month
  • Packaged goods: CAD 20-50 (INR 1,250-3,125) per month

Eating out:

  • Fast food/street food: CAD 10-15 (INR 625-937) per meal
  • Mid-range restaurants: CAD 20-40 (INR 1,250-2,500) per meal
  • Fine dining: CAD 50-100 (INR 3,125-6,250) per meal

To minimize expenses, students can opt for cooking at home, buying in bulk, and utilizing student meal plans or discounts.

Education System in Canada

Canada's education system stands out globally for its quality and affordability. Compared to other English-speaking countries, Canada offers competitive tuition fees. Undergraduate programs cost CAD 12,000-20,000 (INR 7.5L-12.5L) per year, while postgraduate programs range from CAD 8,000-18,000 (INR 5L-11L) per year. In contrast, the US, UK, and Australia charge significantly higher fees, ranging from CAD 25,000-50,000 (INR 15.6L-31.2L) per year. Canada's lower tuition fees, coupled with its high-quality education, make it an attractive destination for international students. Additionally, Canada offers various scholarships, bursaries, and work opportunities to help students offset living expenses. The country's education system is divided into certificate, diploma, and degree programs, providing flexibility and choices. With its reputation for academic excellence, research opportunities, and affordable fees, Canada's education system is an exceptional value proposition for international students seeking a world-class education.

Canada Education Cost

The cost of education in Canada varies depending on the institution, program, and location. On average, international students can expect to pay:

  • Undergraduate programs: CAD 12,000-20,000 (INR 7.5L-12.5L) per year
  • Postgraduate programs: CAD 8,000-18,000 (INR 5L-11L) per year
  • Diploma/certificate programs: CAD 6,000-12,000 (INR 3.7L-7.5L) per year
  • MBA programs: CAD 20,000-40,000 (INR 12.5L-25L) per year

Additional costs include:

  • Application fees: CAD 100-500 (INR 625-3,125)
  • Student union fees: CAD 100-500 (INR 625-3,125) per semester
  • Health insurance: CAD 300-600 (INR 18,750-37,500) per year

Scholarships, bursaries, and work opportunities help offset these costs. Provincial governments also offer financial assistance. Canada's education system provides exceptional value, balancing quality and affordability. With its diverse institutions and programs, Canada remains a popular destination for international students seeking a world-class education.

University Tuition fees in Canada

Studying in Canada is reasonable as compared to USA and UK. Let’s check University Tuition fees in Canada with ranking and top courses: 

University Name Ranking (2024) Popular Courses Tuition Fees (Annual, CAD)
University of Toronto 1 Computer Science, Business, Engineering, Medicine $45,000 - $60,000
University of British Columbia 2 Environmental Science, Business, Engineering, Computer Science $39,000 - $55,000
McGill University 3 Law, Medicine, Engineering, Business, Computer Science $18,000 - $50,000
University of Alberta 4 Petroleum Engineering, Medicine, Law, Business, Computer Science $30,000 - $47,000
McMaster University 5 Health Sciences, Business, Engineering, Computer Science $29,000 - $40,000
Université de Montréal 6 Medicine, Computer Science, Engineering, Business $19,000 - $35,000
University of Waterloo 7 Computer Science, Engineering, Business, Mathematics $40,000 - $52,000
Western University 8 Business, Law, Engineering, Health Sciences $30,000 - $48,000
University of Calgary 9 Energy Engineering, Business, Medicine, Computer Science $29,000 - $38,000
Queen’s University 10 Business, Law, Engineering, Computer Science $28,000 - $45,000
Simon Fraser University 11 Business, Computing Science, Engineering, Environmental Science $27,000 - $40,000
Dalhousie University 12 Health Sciences, Law, Engineering, Computer Science $20,000 - $32,000
University of Ottawa 13 Law, Business, Medicine, Computer Science, Engineering $29,000 - $42,000
University of Victoria 14 Engineering, Environmental Studies, Business, Law $22,000 - $37,000
York University 15 Law, Business, Engineering, Computer Science $28,000 - $43,000
Concordia University 16 Business, Engineering, Computer Science, Arts $21,000 - $32,000
University of Saskatchewan 17 Agriculture, Engineering, Business, Law $20,000 - $35,000
Carleton University 18 Public Affairs, Business, Engineering, Computer Science $25,000 - $38,000
University of Manitoba 19 Engineering, Business, Medicine, Computer Science $17,000 - $28,000
Ryerson University 20 Business, Media Studies, Computer Science, Engineering $28,000 - $38,000

Health Insurance

Health insurance is crucial for international students in Canada, as the country's public healthcare system doesn't cover non-residents. International student health insurance provides coverage for medical emergencies, hospitalization, doctor visits, and prescription medication. The cost varies depending on the province and institution, with average annual premiums ranging from CAD 300-600 (INR 18,750-37,500) and monthly premiums from CAD 25-50 (INR 1,562-3,125). Some universities include health insurance in tuition fees. Popular providers include Guard.me, Allianz, Ingle International, and Studentcare. Purchasing health insurance is mandatory to meet visa requirements and ensure access to medical care while studying in Canada, providing peace of mind and financial protection against unexpected medical expenses.

Taxes

International students in Canada are subject to taxes on their income earned within the country. The Canadian tax system considers international students as non-residents for tax purposes, unless they have lived in Canada for more than 183 days. International students must file a tax return if they have:

  • Income from part-time jobs or co-op programs
  • Scholarships or bursaries exceeding CAD 500 (INR 31,250)
  • Interest income from Canadian bank accounts

Taxes range from 15% to 33% of income, depending on the province and tax bracket. International students may claim deductions, such as:

  • Tuition fees
  • Education-related expenses
  • Moving expenses

To comply with tax regulations, international students must:

  • Obtain an Individual Tax Number (ITN)
  • File tax returns by April 30th
  • Report income and claim deductions

Consulting a tax professional or seeking guidance from the university's international student office can help navigate Canada's tax system and ensure compliance.

Average Cost of living in Canada: Citywise

Toronto, Ontario

Toronto, Canada's financial hub, has a high cost of living. Rent: CAD 1,800-3,000 (INR 112,500-187,500) per month for a one-bedroom apartment. Food: CAD 800-1,200 (INR 50,000-75,000) per month. Transportation: CAD 150-200 (INR 9,375-12,500) per month. Overall, Toronto's average monthly cost is CAD 3,500-5,500 (INR 218,750-343,750).

Vancouver, British Columbia

Vancouver's scenic beauty comes with a price. Rent: CAD 1,600-2,800 (INR 100,000-175,000) per month. Food: CAD 700-1,100 (INR 43,750-68,750) per month. Transportation: CAD 100-150 (INR 6,250-9,375) per month. Average monthly cost: CAD 3,200-5,000 (INR 200,000-312,500).

Montreal, Quebec

Montreal offers a more affordable lifestyle. Rent: CAD 1,000-1,800 (INR 62,500-112,500) per month. Food: CAD 500-900 (INR 31,250-56,250) per month. Transportation: CAD 80-120 (INR 5,000-7,500) per month. Average monthly cost: CAD 2,200-3,800 (INR 137,500-237,500).

Calgary, Alberta

Calgary's cost of living is relatively high. Rent: CAD 1,400-2,400 (INR 87,500-150,000) per month. Food: CAD 600-1,000 (INR 37,500-62,500) per month. Transportation: CAD 100-150 (INR 6,250-9,375) per month. Average monthly cost: CAD 2,800-4,500 (INR 175,000-281,250).

Ottawa, Ontario

Ottawa's cost of living is moderate. Rent: CAD 1,200-2,000 (INR 75,000-125,000) per month. Food: CAD 500-900 (INR 31,250-56,250) per month. Transportation: CAD 90-130 (INR 5,625-8,125) per month. Average monthly cost: CAD 2,400-3,900 (INR 150,000-243,750).

Edmonton, Alberta

Edmonton's cost of living is relatively low. Rent: CAD 1,000-1,600 (INR 62,500-100,000) per month. Food: CAD 400-800 (INR 25,000-50,000) per month. Transportation: CAD 80-120 (INR 5,000-7,500) per month. Average monthly cost: CAD 2,000-3,200 (INR 125,000-200,000).

Winnipeg, Manitoba

Winnipeg offers an affordable lifestyle. Rent: CAD 800-1,400 (INR 50,000-87,500) per month. Food: CAD 300-600 (INR 18,750-37,500) per month. Transportation: CAD 70-100 (INR 4,375-6,250) per month. Average monthly cost: CAD 1,800-2,900 (INR 112,500-181,250).

Halifax, Nova Scotia

Halifax's cost of living is moderate. Rent: CAD 900-1,500 (INR 56,250-93,750) per month. Food: CAD 400-700 (INR 25,000-43,750) per month. Transportation: CAD 80-120 (INR 5,000-7,500) per month. Average monthly cost: CAD 2,000-3,200 (INR 125,000-200,000).

Tips for Students to Save Money in Canada

Tip 1: Budgeting

Create a budget to track expenses. Allocate 50% for rent, 30% for food and transportation, and 20% for entertainment. Use budgeting apps like Mint or You Need a Budget (YNAB). Regularly review and adjust your budget to ensure financial stability.

Tip 2: Cooking at Home

Cooking at home saves money. Buy groceries in bulk and plan meals. Avoid eating out or ordering takeout. Invest in reusable containers and cookware. Cooking at home can save CAD 300-500 (INR 18,750-31,250) per month.

Tip 3: Affordable Accommodation

Explore affordable accommodation options like shared apartments, homestays, or student residences. Consider locations outside city centers or negotiate rent. Use websites like PadMapper to find affordable housing.

Tip 4: Discounted Transportation

Use public transportation, walk, or bike. Buy monthly transit passes or student discounts. Consider carpooling or ride-sharing. Use apps like Transit or Moovit to plan routes.

Tip 5: Second-Hand Shopping

Shop at thrift stores, garage sales, or online marketplaces for second-hand items. Buy used textbooks, furniture, or electronics. Websites like Craigslist, Facebook Marketplace, or local buy/sell groups offer affordable options.

Tip 6: Part-Time Jobs

Find part-time jobs on campus or in local businesses. Develop skills and earn CAD 15-25 (INR 937-1,562) per hour. Use job boards like Indeed, LinkedIn, or university career services.

Tip 7: Scholarships and Bursaries

Research and apply for scholarships, bursaries, and grants. Check university websites, government programs, or external organizations. Awards can range from CAD 1,000-10,000 (INR 62,500-625,000).

Tip 8: Student Discounts

Take advantage of student discounts on:

  • Public transportation
  • Movie tickets
  • Restaurant meals
  • Software and technology
  • Travel

Use student ID or membership cards to access discounts.

Tip 9: Saving on Utilities

Conserve energy, water, and internet usage. Split utility bills with roommates. Negotiate with service providers for student discounts.

Tip 10: Emergency Fund

Create an emergency fund to cover unexpected expenses. Allocate 10-20% of monthly income. Use high-interest savings accounts or tax-free savings accounts (TFSAs). 

Is Living in Canada for Indian Students Quite High?

Living in Canada can be relatively expensive for Indian students, with costs varying depending on the city, lifestyle, and institution. The average monthly expenses for Indian students in Canada range from CAD 2,500-4,000 (INR 156,250-250,000), including tuition fees, accommodation, food, transportation, and other living expenses. However, salaries for part-time jobs, internships, and co-op programs can help offset these costs, with students earning CAD 15-25 (INR 937-1,562) per hour. Additionally, scholarships, bursaries, and education loans can also support Indian students in managing their expenses. To mitigate costs, students can opt for shared accommodations, cook at home, and utilize student discounts, making Canada a viable and valuable destination for higher education.

Canadian Housing Expenses Global Comparison

Canada's housing expenses vary significantly across cities, but globally, they rank among the highest. According to Numbeo, Canada's average monthly rent for a one-bedroom apartment is CAD 1,800 (INR 112,500), surpassing cities like Tokyo, Japan (CAD 1,400/INR 87,500), but lower than major US cities like New York (CAD 2,800/INR 175,000) or San Francisco (CAD 3,500/INR 218,750). Compared to other popular study destinations, Canada's housing costs are: 23% higher than Australia (CAD 1,400/INR 87,500), 17% higher than the UK (CAD 1,500/INR 93,750), and 35% lower than Switzerland (CAD 2,400/INR 150,000). However, Canadian cities like Vancouver and Toronto tend to skew the national average, with more affordable options available in smaller cities like Winnipeg or Halifax.

FAQ

FAQ 1: What is the average monthly cost of living in Canada for Indian students?

Ans. - Average monthly cost: CAD 2,500-4,000 (INR 156,250-250,000), including tuition, accommodation, food, transportation, and other expenses.

FAQ 2: How much does accommodation cost in Canada for students?

Ans. - CAD 800-1,800 (INR 50,000-112,500) per month for shared apartments, homestays, or student residences.

FAQ 3: What are food expenses like in Canada for Indian students?

Ans. - CAD 500-800 (INR 31,250-50,000) per month for groceries and dining out.

FAQ 4: How much does transportation cost in Canada for students?

Ans. - CAD 100-150 (INR 6,250-9,375) per month for public transportation, walk, or bike.

FAQ 5: Are there any scholarships available for Indian students in Canada?

Ans. - Yes, various scholarships, bursaries, and grants offered by universities, government, and external organizations.

FAQ 6: Can Indian students work part-time in Canada?

Ans. - Yes, 20 hours/week, earning CAD 15-25 (INR 937-1,562) per hour.

FAQ 7: How much does health insurance cost for Indian students in Canada?

Ans. - CAD 300-600 (INR 18,750-37,500) per year.

FAQ 8: What are the living expenses like in major Canadian cities?

Ans. - Toronto: CAD 3,500-5,500 (INR 218,750-343,750), Vancouver: CAD 3,200-5,000 (INR 200,000-312,500), Montreal: CAD 2,400-3,900 (INR 150,000-243,750).

FAQ 9: How can Indian students manage living expenses in Canada?

Ans. - Budgeting, cooking at home, sharing accommodation, using public transport, and seeking scholarships.

FAQ 10: Are there any tax benefits for Indian students in Canada?

Ans. - Yes, tax credits and deductions are available for tuition, education expenses, and income earned.  

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