Loading
Assembling your view…
Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
On a CA$40K salary in Canada, 0 out of 21 cities keep rent under 30% of income. Saint John offers the best value — cost index 86, rent $1,100/mo.
On a CA$40K salary in Canada, 0 out of 21 cities keep rent under 30% of income. Saint John offers the best value — cost index 86, rent $1,100/mo.
Saint John ranks #1 with a cost index of 86 and rent of $1,100/month.
The median city is Montreal — cost index 98, rent $1,500/mo.
Average cost index across these cities: 101 (0 vs national average of 101).
Average quality of life: 63/100. Top: Saint John at 63/100.
Safest city: Charlottetown (80/100 safety score).
| # | City | Cost Index | Rent/mo | Income |
|---|---|---|---|---|
| 1 | Saint John | 86 | $1,100 | $56,000 |
| 2 | St. John's | 90 | $1,100 | $62,000 |
| 3 | Fredericton | 88 | $1,150 | $58,000 |
| 4 | Quebec City | 92 | $1,200 | $60,000 |
| 5 | Charlottetown | 88 | $1,200 | $56,000 |
| 6 | Regina | 90 | $1,250 | $66,000 |
| 7 | Winnipeg | 89 | $1,300 | $64,000 |
| 8 | Laval | 96 | $1,350 | $64,000 |
| 9 | Saskatoon | 92 | $1,350 | $68,000 |
| 10 | London | 96 | $1,500 | $65,000 |
| 11 | Montreal | 98 | $1,500 | $62,000 |
| 12 | Halifax | 95 | $1,550 | $62,000 |
| 13 | Edmonton | 102 | $1,600 | $78,000 |
| 14 | Hamilton | 105 | $1,700 | $72,000 |
| 15 | Calgary | 108 | $1,800 | $82,000 |
| 16 | Ottawa | 108 | $1,900 | $82,000 |
| 17 | Victoria | 115 | $2,100 | $72,000 |
| 18 | Mississauga | 112 | $2,200 | $76,000 |
| 19 | Surrey | 118 | $2,200 | $70,000 |
| 20 | Toronto | 120 | $2,500 | $78,000 |
The conventional wisdom says one thing. The data says another: Saint John stands out as the top-ranked city in this analysis. With a cost index of 86 and median income of $56,000, it offers below-average costs relative to the rest of Canada. Financially, that's significant.
Zooming out, the spread across all 21 cities is 42 points on the cost index. Vancouver sits at the other end with index 128 and rent of $2,600/mo. That's a difference you notice every single month.
On quality of life, Quebec City leads with a composite score of 71/100 — reflecting its safety (78), healthcare (78), and walkability (68) metrics. Pair that with the housing data, and the pattern sharpens. affordability and QoL don't always move in the same direction, and Canada is a good example of that tension.
Saint John — cost index 86, rent $1,100/mo, income $56,000, QoL 63/100.
St. John's — cost index 90, rent $1,100/mo, income $62,000, QoL 64/100.
Fredericton — cost index 88, rent $1,150/mo, income $58,000, QoL 68/100.
Quebec City — cost index 92, rent $1,200/mo, income $60,000, QoL 71/100.
Charlottetown — cost index 88, rent $1,200/mo, income $56,000, QoL 70/100.
In Saint John, rent would be about 33% of your gross monthly income on CA$40K. Consider cost-cutting measures or a roommate.
The country average QoL score is 63/100. Saint John leads with 63/100, reflecting its safety, healthcare access, walkability, and green space.
Our index is benchmarked to 100 (national median). Sub-categories cover housing, food, transport, utilities, and healthcare. Data sources include Statistics Canada, CMHC, CRA.
Saint John (ranked #1) has a cost index of 86 and rent of $1,100/mo. Vancouver (#21) has index 128 and rent $2,600/mo — a 42-point gap.
This analysis uses data from Statistics Canada, CMHC, CRA to rank cities in Canada. The cost of living index is benchmarked to 100 (national median). Quality of life scores combine safety, healthcare, walkability, air quality, green space, and transit metrics. Salary ranges use national occupation data adjusted for local cost differences. Data is updated regularly to reflect current market conditions.