Cost of Living by City
| City | Avg Rent (1BR) | Monthly Living (est.) | Transit Pass |
|---|---|---|---|
| Toronto | $2,400 | $3,600–$4,200 | $156/month |
| Vancouver | $2,600 | $3,700–$4,300 | $100/month |
| Calgary | $1,900 | $2,900–$3,500 | $112/month |
| Montreal | $1,700 | $2,700–$3,200 | $94/month |
| Ottawa | $2,000 | $3,000–$3,600 | $125/month |
| Halifax | $1,600 | $2,500–$3,000 | $82/month |
Costs based on 2024–2025 averages. On-campus residence is typically $800–$1,500/month including meals — often cheaper than off-campus for first-year students.
Housing Options
On-Campus Residence
Most universities offer residence for first-year international students. Apply early (often before you receive your study permit). Cost: $800–$1,500/month including meals. Convenience: unmatched. Communities: diverse and supportive.
Off-Campus Rentals
Renting an apartment or room off-campus. Join Facebook groups, Kijiji, PadMapper, and Rentals.ca. Budget for first + last month's rent upfront. Tip: student neighbourhoods near transit are often better value than downtown.
Homestay
Live with a Canadian family — typically $800–$1,200/month including meals. Excellent for improving English/French and experiencing Canadian culture. Many language schools and colleges offer homestay placement.
Student Houses (Shared)
Shared houses near campus with 3–6 students. Typically $600–$1,100/room/month. Use university off-campus housing boards, Facebook Marketplace, and student group chats.
Health Insurance for International Students
Health coverage for international students varies by province:
- Ontario: International students are NOT covered by OHIP. You must enrol in your university's Student Health Insurance Plan (SHIP) — typically included in student fees.
- British Columbia: Eligible after 3 months on MSP (provincial health). Universities provide bridge coverage for the waiting period.
- Quebec: Covered by Quebec's provincial health insurance (RAMQ) if your home country has a social security agreement with Quebec.
- Alberta: Covered by AHCIP after 3 months. Private insurance needed for the waiting period.
Banking and Finance
- Open a Canadian bank account as soon as you arrive — you'll need it for rent, tuition payments, and payroll
- Major banks: RBC, TD, BMO, Scotiabank, CIBC — all offer student accounts with no monthly fees
- Apply for a student credit card to start building a Canadian credit history
- Use your SIN (Social Insurance Number) for work and tax purposes — apply at Service Canada
Student Rights and Supports
- All international students have rights under Canadian law — your employer cannot pay you less than minimum wage or discriminate against you
- Your institution's International Student Office provides settlement, academic, and emotional support
- Emergency food banks, counselling services, and peer support networks exist at all major campuses
- IRCC's student portal allows you to check your permit status and apply for extensions online
Ready to Start Your Canadian Education Journey?
Mirus Immigration assists with study permit applications, PGWP planning, and the full pathway from student to permanent resident. Book your free consultation.
💬 WhatsApp Free ConsultationThis page is for general information only and does not constitute immigration legal advice. Program rules change frequently — always verify details at canada.ca. For personalised guidance, consult a Regulated Canadian Immigration Consultant (RCIC). Mirus Immigration · David Johl · RCIC R519520.