ON
vs
ON
Cost of Living: Ottawa vs Waterloo
Making a move? Compare the exact 2026 data for housing, food, and transit to see exactly how your lifestyle budget will change between these two cities.
The Verdict
Living in Waterloo is 9% cheaper than living in Ottawa overall.
To maintain your exact standard of living, a $100,000 salary in Ottawa is mathematically equivalent to earning $91,279 in Waterloo.
Expense Breakdown
Average Rent
1-Bed City Center
Ottawa
$2,100
10% cheaper
Waterloo
$1,900
Groceries
Monthly Basket (1 Person)
Ottawa
$430
0% more expensive
Waterloo
$430
Transportation
Monthly Transit Pass
Ottawa
$125
20% cheaper
Waterloo
$100
Calculate Your Exact Salary
Ready to see how much you'll keep after taxes in ON? Use our Canadian Income Tax Calculator to get a precise breakdown.