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. The 2024 Mercer Cost of Living Survey ranks Ottawa 126th out of 226 cities surveyed, making it Canada’s fourth most expensive city. However, compared to 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, if you’re moving to Ottawa, you’ll enjoy a comfortable and high quality of life. The city boasts a colourful blend of beautiful urban and rural landscapes, creating an interesting mix of lifestyle amenities.

Cost of accommodation in Ottawa

Renting accommodation in Ottawa is far more affordable than in other major Canadian cities such as Vancouver or Toronto, depending on the neighbourhood you choose to live in. Property prices in Ottawa are also lower than the national median, while housing is generally of an excellent standard. Ottawa’s real estate market is attractive, with average home 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 relatively affordable, and the public transport system is both efficient and clean. If you regularly commute, you can boost your savings by purchasing an integrated Presto smart card, which allows convenient access to public transit across Ottawa and the Greater Toronto and Hamilton areas.

The Presto card can be bought online, by phone, or in person at OC Transpo Customer Service Centres and selected retailers. Cycling is another cheap and healthy way to get around, with the city continuously expanding its network of bike lanes and improving cycling infrastructure to enhance connectivity.

Public Transport in Ottawa

Cost of groceries in Ottawa

The cost of groceries in Ottawa is among the most affordable in Canada, but prices can fluctuate depending on various factors, including seasonal availability and promotions. Local supermarkets often run weekly deals. During harvest seasons, prices on fresh produce tend to be lower due to increased supply.

Compared to other major Canadian cities, grocery costs in Ottawa are quite similar, although Ottawa’s overall cost of living is generally lower than Toronto’s. Rising grocery prices have prompted residents to adopt more budget-conscious behaviours, such as sharing weekly deals online and opting for 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 can find unique shops and cosy cafés. Many of the city’s museums offer free admission on certain days, while Ottawa’s parks and trails are open year-round for walks, cycling, and picnics.

The nightlife in Ottawa is lively, with plenty of bars and clubs in the ByWard Market District. Costs can add up quickly, but visiting the student bars and pubs can be an affordable option 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, optometry, or dentistry services.

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 good-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, which is 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