Often ranked as one of the best places to live in the world, Toronto is home to a powerful economy, vast green spaces, and a verve that comes from having hundreds of cultures on its streets. Newcomers will soon realise that the city operates at a fast pace, but can expect many opportunities to pause and revel in its world-class cultural and culinary delights. Our list of pros and cons offers a snapshot of what expats can expect.


Accommodation in Toronto

+ PRO: Wide range of neighbourhoods

The Greater Toronto Area has a wide variety of neighbourhoods, all of which are distinctive in some way, whether through style, character or architecture. Newcomers stand a good chance of finding the right fit for both their taste and budget.

- CON: Rent is expensive

Toronto has some of the most expensive rental costs in Canada, and there are a few reasons for this. For one, the city has attracted a lot of foreign investors who can afford to pay top dollar for accommodation. The amount they’re willing to spend drives up housing costs throughout Toronto, meaning local costs don’t reflect local salaries.

Another reason for high rent prices is that developers are adding condos to many neighbourhoods. As the real-estate market perceives condos to be higher end, their presence drives up rent in neighbourhoods that previously featured mostly houses and apartment buildings. The city’s services also contribute to the high rent. In short, Toronto, in terms of amenities, offers more than smaller cities, so it costs more to live there.


Working in Toronto

+ PRO: Strong job market

Toronto is Canada’s financial capital and is a great place to further a career in business. Indeed, the city’s financial sector employs more than 200,000 people. Some of the world’s biggest tech, pharmaceutical and international research companies have offices there, too, and the startup scene is strong. New jobs are constantly created. 


Getting around in Toronto

- CON: Traffic congestion

Toronto struggles with traffic congestion as most big cities do, making driving a hassle. There are some good alternatives though, such as buses and the subway system.


Raising kids in Toronto

+ PRO: Broad schooling options

The city’s school system provides a high standard of education. Residents and those who have work permits can enrol their kids in public schools free of charge.

+ PRO: A range of fun activities

Parents can entertain children at a variety of venues, from farms and amusement parks to kid-friendly museums. There’s no shortage of things for little ones to do.


Healthcare in Toronto

+ PRO: Publicly funded healthcare

The Ontario Health Insurance Plan (OHIP) funds Toronto’s healthcare system, and coverage extends to all residents of Ontario Province. Residents pay a minimal monthly premium that is automatically deducted from their salaries, with the cost covering doctors, specialists and surgery.

- CON: The OHIP only covers residents

Expats who don’t yet have residence permits will have to rely on private health insurance, rather than the tax-funded OHIP.


Cost of living in Toronto

- CON: The city is expensive

Rent isn’t the only expense where Toronto residents are saddled with hefty bills. Drinks, food and utilities are all pricier than in almost all other Canadian cities.


Lifestyle in Toronto

+ PRO: Eclectic food scene

Toronto is easily among the best foodie cities in North America. Gastros who relocate here can explore the world through their palates, as Toronto’s celebrated multiculturalism applies to its dining options too. Choices include heavenly dim sum in Chinatown, authentic pasta in Little Italy, tasty curry in Little India and Mediterranean-style dishes in Greektown.

+ PRO: Incredible arts and culture

The city is a wonderland for art lovers, who can sate their appetites for beauty, meaning and sophistication at an enviable list of attractions. Theatre, live music, comedy shows and poetry readings will vie with exceptional museums and galleries for their attention.

+ PRO: Low crime rate

Though some degree of crime is inevitable wherever expats choose to settle, Toronto suffers relatively little of it. In fact, it often ranks among the safest big cities in the world, and the safest city in North America.

- CON: Challenging weather

Toronto’s winters are slightly milder than those in other Canadian cities, though temperatures can get extremely chilly. Summers, on the other hand, can be hot and humid, with temperatures reaching around 95°F (35°C).

Expat Health Insurance

Cigna Health Insurance

Cigna Global

Cigna Global can tailor an international health insurance plan to perfectly fit the needs of you and your family. With 86 million customers in over 200 countries, Cigna Global has unrivalled experience in dealing with varied and unique medical situations and delivering high standards of service wherever you live in the world.

Get a quote from Cigna Global

William Russell Health Insurance

William Russell

William Russell is a boutique insurance company, that values itself on its great customer service and is underwritten by Allianz. They provide health, life, and income protection insurance for expats around the world. With a global network of 40,000 hospitals and doctors, their health insurance plans are designed so that they follow you to whatever country you move to next.

Get a quote from William Russell

Moving Companies

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Moving Internationally?

Sirelo has a network of more than 500 international removal companies that can move your furniture and possessions to your new home. By filling in a form, you’ll get up to 5 quotes from recommended movers. This service is free of charge and will help you select an international moving company that suits your needs and budget.

Get your free no-obligation quotes now!