Moving to Toronto
Everything you need to know about making Toronto your home \u2014 from finding a neighbourhood and setting up essentials to understanding the culture and finding your community. Written by locals who love this city.
Start Reading2.9M+
Population
City proper (6.2M GTA)
200+
Languages
Spoken across the city
160+
Neighbourhoods
Each with unique character
1,500+
Parks
Including ravines & trails
26°C
Average Summer
June through August
−5°C
Average Winter
December through March
Finding Your Home
Renting in Toronto
The rental market moves fast. Most leases are 12 months, and landlords typically ask for first and last month’s rent upfront (no more than that is legally required in Ontario). Use sites like Rentals.ca, PadMapper, and Facebook Marketplace. Viewings book out quickly, so be prepared with references and proof of income.
Buying Property
Toronto’s real estate market is competitive. The average home price varies widely by neighbourhood — from $500K condos in emerging areas to multi-million-dollar homes in established ones. A good real estate agent who knows the local market is invaluable. Check our professionals directory for vetted agents.
Choosing a Neighbourhood
Toronto has over 160 distinct neighbourhoods, each with its own personality. Consider your commute, lifestyle, and budget. Families love Roncesvalles and The Beaches. Young professionals gravitate toward Liberty Village and Queen West. Explore our neighbourhood guides for detailed insights.
Getting Around
TTC (Toronto Transit Commission)
The TTC runs the subway, streetcars, and buses. A monthly adult pass costs around $160. Get a PRESTO card at any subway station — it works across TTC, GO Transit, and MiWay. The subway runs from approximately 6 AM to 1:30 AM (until 2 AM on weekends).
GO Transit & UP Express
GO Transit connects Toronto to the wider GTA with commuter trains and buses. The UP Express runs between Union Station and Pearson Airport in 25 minutes. If you live outside the core, GO is likely part of your daily commute.
Cycling & Walking
Toronto is increasingly bikeable, with growing networks of protected bike lanes. Bike Share Toronto has stations across the city. Many inner-city neighbourhoods are highly walkable — check the Walk Score on our neighbourhood pages for details.
Driving
Toronto traffic is notorious, especially during rush hours on the DVP and Gardiner Expressway. If you do drive, get your Ontario licence within 60 days of becoming a resident. The Highway 407 is a toll route north of the city that can save time. Winter tires are strongly recommended from November through April.
Setting Up Essentials
Healthcare (OHIP)
Ontario has universal healthcare through OHIP (Ontario Health Insurance Plan). If you’re a Canadian citizen or permanent resident, apply within the first three months. There is a three-month waiting period for newcomers — consider private insurance to bridge the gap. Walk-in clinics are available across the city for non-emergency care.
Banking
Canada’s Big Five banks (RBC, TD, Scotiabank, BMO, CIBC) all have branches across Toronto. Most offer newcomer banking packages with reduced fees. You’ll need two pieces of ID to open an account. Credit history doesn’t transfer from other countries, so start building Canadian credit early with a secured credit card.
Phone & Internet
Major carriers include Rogers, Bell, and Telus. Budget-friendly alternatives include Fido, Koodo, and Public Mobile. Home internet costs typically range from $50–$100/month. Most public spaces, libraries, and coffee shops offer free Wi-Fi.
SIN and Taxes
You’ll need a Social Insurance Number (SIN) to work in Canada. Apply at any Service Canada office. Tax season runs from February to April — filing is mandatory for all residents. Free tax clinics are available across Toronto for newcomers.
Understanding the Culture
Diversity is the Norm
Toronto is one of the most multicultural cities on earth. Over half of Toronto’s residents were born outside Canada, and more than 200 ethnic groups call it home. You’ll find authentic cuisine, cultural festivals, and community centres from virtually every corner of the globe. This diversity isn’t just tolerated — it’s celebrated.
Canadian Politeness (It’s Real)
Yes, Canadians really do say “sorry” a lot. Expect people to hold doors, queue patiently, and greet you with genuine warmth. Tipping is customary at restaurants (15–20%), for taxis, haircuts, and delivery services. A simple “thank you” goes a long way.
Seasons & Weather
Toronto has four distinct seasons. Summers (June–August) are warm and humid, often reaching 30°C+. Winters (December–March) are cold, with temperatures regularly dropping below −10°C and significant snowfall. Spring and fall are beautiful but brief. Invest in a quality winter coat, waterproof boots, and layers.
Local Expressions
A few things to know: it’s “Tor-ON-toe” (not “Tor-ON-toh”), a toque is a knit winter hat, a double-double is a coffee with two creams and two sugars (from Tim Hortons, naturally), and the TTC is always “the TTC.” Also, we spell it neighbourhood, colour, and centre.
Cost of Living
Housing
Rent for a one-bedroom apartment downtown ranges from $2,000–$2,800/month. Outside the core, you can find options from $1,600–$2,200. Utilities (hydro, water, heat) add approximately $100–$200/month if not included in rent.
Groceries & Dining
Monthly groceries for one person typically run $400–$600. Popular grocery chains include Loblaws, Metro, No Frills, and FreshCo. Dining out ranges from $15–25 for a casual meal to $50–100+ at upscale restaurants. Toronto’s food scene is world-class, with incredible diversity at every price point.
Transportation
A TTC monthly pass costs approximately $160. If you drive, budget for insurance ($200–$400/month for new drivers), gas, and parking ($150–$300/month downtown). Car-sharing services like Zipcar and Communauto are popular alternatives.
Finding Your Community
Meetups & Events
Toronto has a thriving events scene. From neighbourhood festivals to professional networking, there’s something happening every day. Check our events page for curated listings. Meetup.com is popular for interest-based groups. The Toronto Public Library hosts hundreds of free programs weekly.
Sports & Recreation
Torontonians are passionate about their sports teams: the Raptors (NBA), Maple Leafs (NHL), Blue Jays (MLB), Toronto FC (MLS), and the Argonauts (CFL). Beyond spectating, the city has excellent public recreation centres, community pools, skating rinks, and fitness programs at subsidised rates.
Volunteering
Volunteering is a wonderful way to meet people and give back. Volunteer Toronto (volunteertoronto.ca) connects individuals with thousands of opportunities across the city. It’s also a great way to build your Canadian network and professional references.
Welcome to Toronto, Eh!
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