ON
vs
NL
Cost of Living: Waterloo vs St. John's
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 St. John's is 23% cheaper than living in Waterloo overall.
To maintain your exact standard of living, a $100,000 salary in Waterloo is mathematically equivalent to earning $77,434 in St. John's.
Expense Breakdown
Average Rent
1-Bed City Center
Waterloo
$1,900
26% cheaper
St. John's
$1,400
Groceries
Monthly Basket (1 Person)
Waterloo
$430
5% more expensive
St. John's
$450
Transportation
Monthly Transit Pass
Waterloo
$100
20% cheaper
St. John's
$80
Calculate Your Exact Salary
Ready to see how much you'll keep after taxes in NL? Use our Canadian Income Tax Calculator to get a precise breakdown.