Townleap

Cost of Living: Bali vs Toronto (2026)

Indonesia vs Canada — relocation comparison

Your passport:
Bali
Toronto
$1,082/mo
Rent

1BR centre

$1,659/mo
−$15k/yr
Take-home savings

At each city's local median pay

$24k/yr
5 yr
PR path
3 yr
Freelance setup
UMKM
  • VAT-free under €275k
  • €200/yr accountant
Sole Proprietorship
  • VAT-free under €20k
  • 12% social
  • €800/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRBali is 35% cheaper on rent ($1,082/mo vs $1,659/mo). Canada gets you to permanent residency 2 years faster (3 vs 5 years). Both are solid options for settling down — the spreadsheet won't save you from this one.
Toronto scores 75 to Bali's 63 on livability — the gap is real. Bali has its charms, but the numbers favor Toronto.
Household
Bali
Metric
Toronto
$268/mo
🛒
Living costs (no rent)
lower is better
$722/mo
$2,914
🧳
Cost to land
lower is better
$5,350
70 / 100
🛡️
Settler safety
higher is better
81 / 100
0.3 / 100k
🔒
Homicides
lower is better
2.3 / 100k
11.3 / 100k
🚗
Road deaths
lower is better
4.7 / 100k
49 / 100
🚨
Safety Index
higher is better
56 / 100
84°F
☀️
Summer high
personal taste
75°F
77°F
❄️
Winter low
personal taste
21°F
36 Mbps
Internet speed
higher is better
125 Mbps
20 μg/m³
🌬️
Air quality (PM2.5)
lower is better
10.6 μg/m³
52 / 100
🏥
Healthcare
higher is better
88 / 100
6.4 / 10
🗳️
Democracy
higher is better
8.7 / 10
3.9 / 9
🤝
Migrant acceptance
higher is better
8.5 / 9
12 / 100
🏳️‍🌈
Rainbow Index
higher is better
78 / 100
25/100
🗣️
Street English
higher is better
100/100
$16k
💼
GDP per capita (PPP)
higher is better
$65k
2.2% · Boringly steady
📈
Inflation
lower is better
2.4% · Boringly steady
60/100 — Patchy
Grid reliability
higher is better
92/100 — Reliable
56/100
🗽
Freedom House
higher is better
97/100
A median Software Engineer in Bali takes home $962/mo under Standard employee. In Toronto: $5,739/mo under Standard employee.
$4,776/mo more in Toronto
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$13k
💰
Gross income
$98k
−$1k
🏛️
Income tax
Standard employee
−$26k
−$525
🛡️
Social contributions
−$3k
$12k/yr
$962/mo
💵
Take-home pay
$69k/yr
$6k/mo
−$27k
🏠
Cost of living
−$44k
−$15k/yr
🐖
Annual savings
$24k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated April 2026

💰
Cost of Living
Bali
$578/mo cheaper on rent alone
🔒
Safety
Bali
0.3 homicides per 100k
🗳️
Democracy
Toronto
8.7/10 EIU index
☀️
Weather
84°F vs 75°F summers
📋
Residency
Toronto
PR in 3 years

Sun

How much sky you actually get

29% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
52% clear
Win
Spr
Sum
Fall
12.6h
Shortest day
Dec
8.9h
11.6h
Longest day
Jun
15.4h

Sun clocks out early in Toronto's winter. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

stable
Democracy trend
declining
stable
Inflation trend
improving
tourismhospitalitydigital-nomadsurfing-culture
Industries
fintechaihealthcaremedia
nascent
Startup ecosystem
hub
Easy
🇺🇸 Your visa
Easy
Easy
EU visa
Moderate
Easy
RU visa
Complex
Easy
UA visa
Moderate
Partner cannot work on this visa
Spouse works
Partner can work immediately
Partner pathway
Recognized (1+ yr)
common-law partner / conjoint de fait

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

Life-threatening only
Abortion access
On request
14 wk
Gestational limit

Only for life-threatening emergencies or rape victims (up to 14 weeks). Highly restricted otherwise.

No legal gestational limit. Fully decriminalized since 1988.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Not recognized
Marriage
Legal
Not allowed
Adoption
Joint adoption
No
Job protection
Yes
No
Hate crime law
Yes

Bali vs Toronto — Common Questions

Is Bali cheaper than Toronto?

Bali is cheaper. A 1-bedroom apartment in city centre costs around $1082/month there vs $1659/month in the other city (Numbeo data).

Which is safer, Bali or Toronto?

Bali is statistically safer based on UNODC homicide data. Bali has a rate of 0.31 per 100,000 and Toronto has 2.27 per 100,000.

Should I move to Bali or Toronto?

Toronto scores 75 to Bali's 63 on livability — the gap is real. Bali has its charms, but the numbers favor Toronto. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in Bali or Toronto?

Bali: Indonesia Second Home Visa (complex process, 5 or 10 years). Toronto: Canada Express Entry (complex process, Permanent residence). See each city's profile page for full requirements.

Which has better weather, Bali or Toronto?

Bali is warmer in summer (84°F vs 75°F). Toronto has milder summers, which suits those who prefer cooler weather. Climate preference is personal — use the weather section above to compare seasons.

Can I live in Bali or Toronto without speaking the local language?

Toronto is easier for street-level English (100/100) than Bali (25/100). That's the score that matters for doctors, landlords, and bureaucracy. Office English can still run higher than street English in both cities.

What's the cost of rent in Bali vs Toronto?

A 1-bedroom in the centre: $1082/month in Bali, $1659/month in Toronto (Numbeo). That's 35% cheaper rent in Bali.

Is Bali or Toronto better for democracy and rule of law?

Toronto scores 8.7/10 on the EIU Democracy Index vs 6.4/10 for Bali. That puts it in 'full democracy' territory — free press, independent courts, the works.

Is healthcare better in Bali or Toronto?

Toronto scores higher on our composite healthcare index (88/100 vs 52/100 for Bali). That score combines clinical outcomes (IHME), universal coverage (WHO), and resident perception (Numbeo) — not just whether hospitals exist but whether the system actually works for settlers.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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