Moving guide · New York → Ontario

Moving from New York City to Toronto

Canada's biggest city, with neighbourhoods for every taste. Here's how life in Toronto compares with New York City, and what changes when you cross the border.

Toronto is roughly 6°C colder than New York City in January (about 1°C → -5°C), with about 50 cm more snow a year and around 34 fewer sunny days. A typical home costs about the same (US$780,000 vs C$1,050,000), and everyday costs in Toronto are above the Canadian average. Income tax goes from a high state income tax in New York to a medium provincial income tax in Ontario. For lifestyle, you give up beach. (Approximate figures.)

Weather
January average
1°C → -5°C (-6°)
July average
25°C → 22°C (-3°)
Sunny days a year
234 → 200
Snow a year
70 → 120 cm
Money (approximate)
Cost of living index
165 → 125
Typical home
US$780,000 → C$1,050,000
Property tax rate
0.9% → 0.7%
Provincial or state income tax
High → Medium
Health care in Toronto
Public plan, no premium
Getting around in Toronto
Airport
30 min
Ski hill
2h
Beach or lake
15 min
Main industries
Finance, tech, health
Lifestyle and risks
You leave behind
Beach
Wildfire: Low Flood: Low Heat: Low
Crossing the border

Moving from the USA to Canada

Can you buy?
Canada's ban on most foreign buyers of residential property is scheduled to end January 1, 2027, with exceptions such as some work-permit holders. Check eligibility before you shop.
Extra taxes
Some provinces add taxes for foreign buyers, for example BC's additional property transfer tax and Ontario's non-resident speculation tax.
Status
Living and working in Canada needs a work permit or permanent residence (Express Entry, provincial nominee programs).
Mortgages
Canadian mortgages usually renew every 5 years and require passing a stress test at a higher rate. Under 20% down needs default insurance.
General information, not legal or tax advice. Rules change; confirm your situation with a licensed immigration lawyer and cross-border tax adviser.
Step-by-step: USA → Canada ›Legal must-dos ›Moving FAQ ›
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Climate, cost and risk figures are approximate and for comparison only. Prices are in each place's local currency.

Moving from New York City to Toronto · Pinned