Cost of Living in Ottawa

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The cost of living in Ottawa is one of the most affordable in Canada, despite the city’s position as the Canadian capital. Compared to other major cities like Vancouver and Toronto, Ottawa’s real estate market offers significant savings, making it an attractive choice for those seeking a balance of quality and cost.

As such, moving to Ottawa means enjoying a comfortable and high quality of life. The city’s beautiful urban neighbourhoods are surrounded by accessible rural countryside.

Cost of accommodation in Ottawa

Accommodation in Ottawa is far more affordable to rent than in other major Canadian cities such as Vancouver or Toronto, although costs vary depending on the neighbourhood you choose.

Property prices in Ottawa sit below the national median, while housing is generally of an excellent standard. The real estate market is attractive, with prices significantly lower than those in Toronto or Vancouver.

Accommodation in Ottawa
Best Neighbourhoods in Ottawa

Cost of transport in Ottawa

The cost of transport in Ottawa is efficient and clean, although fares have risen in recent years. If you regularly commute, purchasing an integrated Presto smart card helps manage costs and allows convenient access to public transit across Ottawa and the Greater Toronto and Hamilton areas.

You can buy the Presto card online, by phone, or in person at an OC Transpo Customer Service Centre and selected retailers. Cycling is another cheap and healthy option, and the city continues to expand its network of bike lanes and improve cycling infrastructure and connectivity.

Public Transport in Ottawa

Cost of groceries in Ottawa

The cost of groceries in Ottawa aligns with the Ontario average and fluctuates depending on various factors, including seasonal availability and promotions. Local supermarkets often run weekly deals. Prices on fresh produce tend to drop during harvest seasons when supply increases.

Ottawa’s overall cost of living sits lower than Toronto’s, but grocery costs are quite similar to those across the rest of the country. Rising food prices have prompted residents to adopt budget-conscious habits, such as sharing weekly deals online and choosing in-season produce.

Cost of entertainment and eating out in Ottawa

The cost of entertainment and eating out in Ottawa can vary, but there are plenty of options for those on a budget. As Ontario’s designated culinary tourism destination, Ottawa boasts exquisite and diverse gastronomy. With myriad cuisines on offer, it’s easy to see why eating out is a favourite pastime among locals, even though it doesn’t always come cheap.

Ottawa is full of budget-friendly activities. Take a walk through historic neighbourhoods like The Glebe or Sandy Hill, where you’ll find unique shops and cosy cafés. Many of the city’s museums offer free admission on certain days, while Ottawa’s parks and trails stay open year round for walks, cycling, and picnics.

Ottawa’s nightlife is lively, with plenty of bars and clubs in the ByWard Market District. Costs can add up quickly, but student bars and pubs offer more affordable options if you want to save money. Alternatively, you can enjoy the city’s beautiful parks, forests, and wetlands at little to no cost – perfect for those who love adventure without the hefty price tag.

Shopping, Activities, Attractions, Dining and Nightlife in Ottawa

Cost of healthcare in Ottawa

If you’re living and working in Ottawa, you’re eligible for coverage under the Ontario Health Insurance Plan (OHIP). This public health insurance plan is funded through automatic tax deductions but does not cover prescription medicine or most dental services. Vision care coverage is limited to specific age groups and medical conditions.

These services typically require out-of-pocket payments, unless you have private insurance. Fortunately, several insurers offer plans to help cover these costs, and many employers provide top-up insurance.

Healthcare and Health Insurance in Ottawa

Cost of education in Ottawa

Public schools in Ottawa are free for all students from kindergarten to Grade 12 and offer high-quality education in either English or French. Ottawa’s public schools follow the Ontario Curriculum, ensuring a comprehensive education across various subjects. Some public schools also offer the International Baccalaureate (IB) programme, recognised globally for its academic rigour.

You also have the option to send your children to international or private schools, but the tuition fees tend to be steep. Choosing between public and private education often depends on personal preferences and financial considerations, with public schools providing a solid standard of education without the significant financial commitment.

Schools and Education in Ottawa