Cost of Living in Calgary

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While not quite as expensive as Toronto or Vancouver, Calgary’s cost of living is still relatively high, particularly in housing and utilities. On the upside, public transport remains reasonably priced, and healthcare and schooling are mostly free.

Cost of accommodation in Calgary

The cost of accommodation in Calgary will likely be your highest expense. The rental market has been experiencing a shift, with increasing supply helping to ease some of the pressure from previous years. There’s still high demand due to a population influx, but the balance has been stabilising.

Rent in the city centre is generally more expensive due to proximity to amenities and employment hubs. In contrast, suburban areas offer slightly more affordable options. However, the gap between urban and suburban rents has been narrowing.

Besides the high housing prices, you’ll also need to account for utility fees like electricity, gas, water, and internet. Winter utility costs can be substantial due to increased heating needs. You can mitigate these by using energy-efficient windows, programmable thermostats, and regular heating system maintenance.

Accommodation and Utilities in Calgary
Best Neighbourhoods in Calgary

Cost of transport in Calgary

Transport costs in Calgary are largely lower than in cities like Toronto or Vancouver, making it an attractive option for commuters. A monthly integrated travel pass is still the most cost-effective way of getting around in Calgary.

Recent improvements include the North Central Bus Rapid Transit (BRT) project, which launched as MAX Green in September 2025. The new MAX line features 18 accessible, heated stations along the Centre Street North corridor, enhancing public transport services with transit-only lanes and priority signalling. Running a vehicle has become increasingly costly due to fluctuating fuel prices, insurance, and taxes. You might want to consider using public transport more frequently to reduce these costs, or look into fuel-efficient vehicles to help manage fuel expenses.

Getting Around in Calgary

Cost of entertainment and eating out in Calgary

Calgary has something for everyone, with activities ranging from outdoor adventures to fine dining experiences. Much of the lifestyle revolves around the outdoors, with a growing emphasis on recreational activities. Calgary has 60 miles (96km) of hiking trails within city limits, and parks have become even more accessible, encouraging activities like hiking, biking, and family outings.

Calgary’s dining scene continues to evolve, with new restaurants offering everything from contemporary Canadian fare to authentic international cuisines. While the restaurant and dining scene may be less diverse compared to larger cities, there are still plenty of hidden gems waiting to be discovered. You can easily find budget-friendly options while enjoying authentic experiences. If you’re a fan of trying different cuisines, you’ll be happy to know that the focus on culinary diversity is increasing, with more varied menus and international flavours becoming available over time.

Lifestyle in Calgary

Cost of groceries in Calgary

The cost of groceries in Calgary is still fairly affordable, and Alberta is the only province in Canada that does not levy a provincial sales tax on goods and services, further adding to Calgary’s overall affordability. As with most places globally, grocery prices have been on the rise. You can reduce costs by buying in bulk, shopping at discount supermarkets such as No Frills, FreshCo, or Giant Tiger, and selecting seasonal produce to avoid paying higher prices. Using weekly flyers and coupons can also help maximise your savings.

Cost of education in Calgary

If you’re moving to Calgary with children, you’ll be glad to know that the cost of education in Calgary can be quite manageable. Alberta’s public education system is extensively funded by the government, and many of the province’s top-performing public schools are located in Calgary.

Public schooling is free, and families with young children should know that childcare is available through Alberta’s subsidised programme. Full-time licensed daycare for children up to kindergarten age costs a flat monthly fee under the province’s affordability initiative.

Calgary’s Education System

Cost of healthcare in Calgary

If you’re a permanent resident or have a valid work or residence visa, you can receive basic healthcare services in Calgary at no cost through the Alberta Health Care Insurance Plan (AHCIP). This plan will even reimburse you for any medical expenses incurred before you receive your AHCIP card. The AHCIP system allows for reimbursement of eligible expenses even before your health card arrives, ensuring continuity of care during the registration period.

New arrivals might consider private health insurance for additional coverage of services like physiotherapy, dental care, and mental health support. Private health insurance costs vary depending on the level of coverage you need. It often fills gaps in the public system, particularly for specialist services.

High-demand services like psychology, physiotherapy, and orthopaedic consultations can have significant wait times. Private coverage helps bridge this gap. If your employer offers health insurance as part of your benefits, this could significantly offset these costs.

Healthcare and Health Insurance in Calgary