What are the most affordable places to live in Canada for U.S. expats?

The most affordable places to live in Canada for U.S. expats include Moncton, Quebec City, Winnipeg, Halifax, and St. John’s, among others. These cities offer lower housing costs and a high quality of life.

How does the cost of living in Canada compare to the U.S.?

While some Canadian cities are more expensive than their U.S. counterparts, many smaller cities and towns offer a lower cost of living, especially in terms of housing and healthcare.

Are there tax differences U.S. expats should know about when moving to affordable places in Canada?

Yes. Canada’s tax system is different from the U.S., and expats may be subject to both U.S. and Canadian taxes. It’s important to consult a cross-border tax expert to ensure compliance and maximize savings.

Is healthcare free for U.S. expats in Canada?

Canada offers universal healthcare, but new residents may need private insurance until they qualify for provincial coverage. Costs and waiting periods vary by province.

Can I work remotely from affordable places in Canada as a U.S. expat?

Yes, many U.S. expats work remotely from Canada. However, you’ll need to ensure you have the proper visa or residency status and understand the tax implications of remote work.

The Cheapest Places to Live in Canada (And Still Love It)

Katelynn Minott, CPA & CEO June 11th, 2025

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If you’re a U.S. expat dreaming of a fresh start north of the border, you’re probably wondering about the most affordable places to live in Canada. With its welcoming communities, stunning natural beauty, and high quality of life, Canada is a top destination for Americans seeking new opportunities. But as you weigh your options, understanding where your dollar stretches furthest—and what factors truly impact your cost of living—can make all the difference in your expat journey.

Below, we’ll break down the key cost-of-living considerations for U.S. expats and reveal the 10 most affordable Canadian cities that offer both value and vibrant lifestyles.

Understanding cost of living factors for U.S. expats in Canada

Relocating to Canada is an exciting adventure, but it’s natural to feel a bit overwhelmed by the financial unknowns. The good news? With a little planning and insight, you can find affordable places to live in Canada that fit your budget and lifestyle.

What drives the cost of living in Canada?

Several factors shape the cost of living for U.S. expats in Canada:

Housing costs: Rent and home prices vary dramatically between cities and provinces. While major hubs like Toronto and Vancouver are famously pricey, many smaller cities offer excellent value without sacrificing amenities.
Healthcare: Canada’s universal healthcare system is a major plus, but expats may need private insurance until they qualify for provincial coverage. Factor in these costs as you plan your move.
Taxes: Canada’s tax system differs from the U.S., with higher sales taxes in some provinces and different rules for expats. It’s wise to consult a cross-border tax expert to avoid surprises.
Utilities and transportation: Heating costs can be significant in colder regions, and public transit availability varies. Some cities offer robust transit systems, while others may require a car.
Groceries and everyday expenses: Food prices can be higher in remote areas, but local markets and discount stores help keep costs manageable.

Tips for U.S. expats seeking affordability

Research provincial benefits: Some provinces offer tax credits or incentives for newcomers.
Consider lifestyle needs: If you work remotely, you may not need to live in a major city. Smaller communities often provide a better balance of affordability and quality of life.
Plan for currency fluctuations: The U.S.-Canada exchange rate can impact your purchasing power, so keep an eye on trends and plan accordingly.

Top 10 most affordable Canadian cities for American expats

Ready to explore the most affordable places to live in Canada? Here are ten cities that consistently offer great value, welcoming communities, and plenty of opportunities for U.S. expats.

1. Moncton, New Brunswick

Moncton is a rising star for affordability. With average rent for a one-bedroom apartment under CAD $1,200/month and a low cost of living, it’s ideal for expats seeking a friendly, bilingual community.

2. Quebec City, Quebec

Rich in history and culture, Quebec City offers lower housing costs than most major Canadian cities. The city’s European charm and vibrant arts scene make it a unique, budget-friendly choice—especially for those open to learning French.

3. Winnipeg, Manitoba

Winnipeg boasts some of the lowest housing prices among Canadian cities. With a strong job market and diverse neighborhoods, it’s a practical option for families and professionals alike.

4. Halifax, Nova Scotia

Halifax combines coastal beauty with reasonable living costs. Rent, groceries, and entertainment are all more affordable than in larger cities, and the city’s welcoming vibe is perfect for newcomers.

5. St. John’s, Newfoundland and Labrador

St. John’s offers a slower pace of life and affordable housing. Its unique culture and stunning landscapes make it a hidden gem for expats seeking something different.

6. Regina, Saskatchewan

Regina’s cost of living is well below the national average, with affordable real estate and a growing economy. The city is known for its green spaces and family-friendly atmosphere.

7. Saskatoon, Saskatchewan

Saskatoon combines prairie charm with urban amenities. Housing is affordable, and the city’s vibrant arts and food scenes are a pleasant surprise for newcomers.

8. Thunder Bay, Ontario

Thunder Bay offers a lower cost of living than most Ontario cities, with access to beautiful natural surroundings and a strong sense of community.

9. Sherbrooke, Quebec

Sherbrooke is a university town with affordable rents and a lively cultural scene. It’s a great fit for students, young professionals, and families alike.

10. Charlottetown, Prince Edward Island

Charlottetown is known for its small-town charm and low housing costs. The city’s relaxed pace and friendly locals make it a welcoming spot for expats looking to settle in Canada.

Ready to make your move? Get expert tax guidance for your Canadian adventure

Relocating to one of the most affordable places to live in Canada is an exciting step—but navigating cross-border taxes as you do so can cause stress. Our team of expat tax specialists is here to help you make a smooth, confident transition. Get personalized advice, maximize your savings, and enjoy peace of mind as you start your new chapter in Canada.

Frequently Asked Questions

What are the most affordable places to live in Canada for U.S. expats?

The most affordable places to live in Canada for U.S. expats include Moncton, Quebec City, Winnipeg, Halifax, and St. John’s, among others. These cities offer lower housing costs and a high quality of life.
How does the cost of living in Canada compare to the U.S.?

While some Canadian cities are more expensive than their U.S. counterparts, many smaller cities and towns offer a lower cost of living, especially in terms of housing and healthcare.
Are there tax differences U.S. expats should know about when moving to affordable places in Canada?

Yes. Canada’s tax system is different from the U.S., and expats may be subject to both U.S. and Canadian taxes. It’s important to consult a cross-border tax expert to ensure compliance and maximize savings.
Is healthcare free for U.S. expats in Canada?

Canada offers universal healthcare, but new residents may need private insurance until they qualify for provincial coverage. Costs and waiting periods vary by province.
Can I work remotely from affordable places in Canada as a U.S. expat?

Yes, many U.S. expats work remotely from Canada. However, you’ll need to ensure you have the proper visa or residency status and understand the tax implications of remote work.