. .

Fast Facts

hospital sign

Emergency Medical Treatment

Kingston has two hospital emergency rooms that treat people with medical emergencies.

Home >> Living >> Personal Finance >> Cost of Living

Cost of Living

"Cost of Living" refers to the average amount of money an individual or family can expect to spend on food, clothing, housing, heat, utilities, transportation and other basic expenses. In Canada, the cost of living varies from one community to another and is difficult to estimate with absolute accuracy. Every family encounters unexpected expenses, whether or not they are newcomers. The cost of food and other items also fluctuates.

Typical household costs in Canada are: housing, heat, electricity, water, food, clothing and transportation. Newcomers must also pay for health insurance during their first three months in Canada. Visits to the dentist, prescription medicines, some school expenses and long-distance telephone calls are other expenses common to many households.

If you have a job, your take-home pay will be reduced by mandatory deductions for income tax, Canada Pension Plan (CPP) and employment insurance (EI). Some workers also pay union dues, medical and dental insurance or contribute money into a retirement savings plan, which further reduce the amount of money they take home.

Canadians are required to pay taxes on their purchases. The federal government collects a Harmonized Sales Tax (HST) of 13% on the sale of most goods and services, though some are exempt.

For More Information

What are the monthly living expenses for a family of 3?
Tips for newcomers on how to calculate their monthly expenses in Canada, the need to budget and manage money, and where to get help. Available in Arabic, Chinese (Simplified), French, Gujarati, Pilipino (Tagalog), Punjabi, Russian, Spanish, Tamil, and Urdu.

Kingston’s Affordable Cost of Living
Information to help Queen’s University faculty and staff calculate the cost of living in the Kingston community.

How much does it cost?
A sample budget to help students at Queen’s University estimate the cost of living and studying in Kingston for eight months. Includes information useful to non-students. Also includes a separate set of budget examples specific to international students.

Quality of life; top ranked on global indices
Comparison data for major cities internationally. Kingston compares favourably to Toronto and Ottawa for quality of life, and was ranked one of the Top 7 intelligent communities for 2014.

Was this page helpful?