Living in Canada isn’t just about rent—especially if you’re new. While housing is a big chunk of the budget, the smaller, ongoing expenses can surprise you. Things like health insurance, especially during the initial medical wait period, can cost hundreds a month if you’re not covered through a school or employer. Then there’s public transit: a monthly pass in cities like Toronto or Vancouver isn’t cheap, and even a bus or subway ride adds up fast over time.

Phone plans are another one. You’ll likely need a postpaid plan with data, and even basic ones start around $60–$80/month. And don’t forget winter gear—coats, boots, gloves—especially if you’re coming from a warmer climate. A good winter coat alone can be $200–$400, and you’ll need more than one for the season.

Food costs vary by city, but groceries in Canada are generally higher than in many other countries. A weekly grocery bill for one person can easily hit $100–$150, depending on diet and store choices. And with the new Canada Groceries and Essentials Benefit starting in 2026, it’s worth planning ahead—though it won’t cover everything.

We’re also seeing changes with tax credits. The GST/HST credit is being replaced, and some families will get a one-time top-up in early 2026. But if you’re not in a province with provincial health coverage, or if you’re self-insured, those costs can really pile up.

What was your biggest surprise in the first 6 months? Was it the cost of heating, phone bills, or maybe how much you spend on groceries after your first winter?

What’s one expense you didn’t expect to be so high when you first arrived?