Deciding to study abroad is one of the most rewarding yet financially demanding choices a student can make. While tuition fees are a critical part of the equation, the day-to-day cost of living often determines whether a student can adapt comfortably in their new environment.
Two of the most sought-after destinations for international students are Canada and Australia. Both countries boast world-class universities, multicultural societies, and attractive post-study work opportunities.
However, the cost of living varies significantly between the two, and understanding these differences is crucial before making a decision.
This article provides an in-depth comparison of what international students can expect to spend on accommodation, food, transportation, healthcare, utilities, and other essentials in Canada and Australia.
Why Canada and Australia are Popular Study Destinations
Before diving into costs, it’s worth highlighting why students choose these two countries.
-
Canada: Known for affordable tuition compared to the US and UK, Canada offers a safe, inclusive, and multicultural environment. Its immigration-friendly policies and opportunities for permanent residency make it especially appealing.
-
Australia: Home to prestigious universities like the University of Melbourne and Australian National University, Australia is popular for its high quality of life, sunny climate, and strong post-study work rights.
Both countries rank highly in global education and quality-of-life indexes, which is why they are often compared by students weighing costs against long-term benefits.
Accommodation Costs
Housing is usually the single largest expense for students.
Canada
-
On-campus housing: CAD 600–1,000 per month, depending on the university and room type.
-
Off-campus shared apartments: CAD 500–900 per month, though prices can exceed CAD 1,200 in Toronto and Vancouver.
-
Smaller cities like Halifax, Ottawa, or Winnipeg tend to be much cheaper.
Australia
-
On-campus housing: AUD 800–1,200 per month.
-
Shared apartments off-campus: AUD 700–1,000 monthly, with higher rates in Sydney and Melbourne.
-
Regional cities like Adelaide and Brisbane offer more affordable options.
Comparison: Canada’s accommodation costs are slightly lower on average, especially outside the major cities.
Food and Groceries
Daily meals form another essential part of living costs.
Canada
-
Groceries: CAD 250–400 per month.
-
Eating out: CAD 10–15 for a budget meal, and CAD 40–60 for a restaurant dinner for two.
-
Popular grocery chains like Walmart and No Frills help students save money.
Australia
-
Groceries: AUD 300–500 monthly.
-
Eating out: AUD 15–20 for a casual meal, and AUD 60–80 for a restaurant dinner for two.
-
Grocery chains like Coles and Woolworths often run weekly specials, which can help with budgeting.
Comparison: Groceries are slightly more expensive in Australia, and dining out costs significantly more than in Canada.
Transportation Costs
Getting around the city is a daily expense that varies by location.
Canada
-
Public transport passes: CAD 90–120 per month in most cities.
-
Student discounts: Widely available in big cities like Toronto and Montreal.
-
Owning a car is costly due to fuel, insurance, and maintenance.
Australia
-
Public transport passes: AUD 100–150 per month.
-
Student concessions: Available in most states, reducing travel costs by nearly 50%.
-
Melbourne offers free tram zones in the city center, which helps students save.
Comparison: Transportation costs are similar, but Australia’s concessions and free zones can make commuting more affordable.
Healthcare and Insurance
Health coverage is mandatory for international students in both countries.
Canada
-
Some provinces (e.g., British Columbia, Alberta) cover international students under public healthcare.
-
In provinces without public coverage, universities provide insurance at CAD 600–900 per year.
-
Canada’s healthcare system is known for its quality and accessibility.
Australia
-
All students must purchase Overseas Student Health Cover (OSHC).
-
Cost: AUD 450–600 per year.
-
OSHC covers doctor visits, hospital treatment, and limited pharmaceuticals.
Comparison: Healthcare costs are similar, but Canada’s provincial coverage can reduce expenses dramatically in certain regions.
Utilities and Internet
Living independently often means managing utilities and internet bills.
Canada
-
Utilities (electricity, water, heating): CAD 100–150 per month.
-
Internet: CAD 60–100 per month.
Australia
-
Utilities: AUD 150–200 monthly.
-
Internet: AUD 70–100 per month.
Comparison: Utilities are more affordable in Canada, while internet prices are nearly the same in both countries.
Miscellaneous Expenses
Other expenses can make a difference in budgeting.
Canada
-
Mobile phone plans: CAD 40–60 per month.
-
Leisure/entertainment: CAD 100–200 per month.
-
Clothing: Seasonal winter gear (CAD 300–600) can be a major one-time cost.
Australia
-
Mobile phone plans: AUD 30–50 per month.
-
Leisure/entertainment: AUD 150–250 monthly, with higher costs in urban centers.
-
Clothing: Generally cheaper, and no need for heavy winter wear.
Comparison: Canada requires an upfront investment for winter clothing, while Australia has higher ongoing leisure and entertainment costs.
Estimated Monthly Budgets
When all expenses are combined, this is what an average student might spend monthly:
-
Canada: CAD 1,200–1,800 (USD 880–1,320)
-
Australia: AUD 1,500–2,200 (USD 960–1,400)
Both ranges depend on city choice, accommodation type, and lifestyle. Students in smaller Canadian cities may save more compared to those in Sydney or Melbourne.
Student Work Opportunities
Earning while studying can significantly ease living costs.
Canada
-
Work limit: 20 hours per week during semesters, full-time during breaks.
-
Minimum wage: CAD 15–17 per hour (varies by province).
-
Many students work in retail, food service, or as teaching/research assistants.
Australia
-
Work limit: 48 hours per fortnight (about 24 hours per week) during semesters, unlimited during breaks.
-
Minimum wage: AUD 23–24 per hour — one of the highest globally.
-
Jobs in hospitality, retail, and administration are common among students.
Comparison: Australia offers higher hourly wages, but Canada provides more flexibility with work hours.
Cultural and Lifestyle Considerations
Beyond costs, lifestyle differences play a role in student satisfaction.
-
Canada: Four distinct seasons, multicultural cities, and a calm, welcoming atmosphere. Winters can be harsh and costly to prepare for.
-
Australia: Warm climate, outdoor lifestyle, and vibrant cities. However, cities like Sydney and Melbourne are consistently ranked among the most expensive in the world.
Students should weigh not just financial costs but also cultural and environmental factors when making a choice.
Conclusion
The cost of living for international students in Canada vs. Australia depends largely on city of residence, lifestyle, and financial planning.
-
Canada is generally more affordable in accommodation, utilities, and food, but students must budget for winter clothing and slightly higher mobile costs.
-
Australia has higher living costs, particularly in major cities, but compensates with higher minimum wages and a warmer climate that eliminates seasonal clothing expenses.
For students on a tighter budget, Canada may offer better value for money, especially in smaller cities. For those seeking higher earning potential during studies and a vibrant lifestyle, Australia could be worth the extra expense.
In the end, choosing between Canada and Australia should balance financial planning, academic goals, lifestyle preferences, and long-term career opportunities.