Budgeting for the First 3 Months After Moving to Montreal (2025)
Moving to Montréal, Quebec can be an exciting adventure, but it’s crucial to plan your finances carefully for the first few months. Montréal is known for a relatively affordable cost of living compared to other major Canadian cities like Toronto or Vancouver. This comprehensive guide (approximately 6,000 words) covers budgeting for various scenarios – international students, single working professionals, families, and refugees – and includes all major expense categories (housing, food, transport, utilities, leisure, insurance). We’ll provide real 2025 cost estimates, sample budgets (with comparison tables), and tips for both temporary stays (e.g. study abroad term or short work assignment) and permanent relocation.
Note: All costs are in Canadian Dollars (CAD). Actual expenses will vary by lifestyle, but the figures here give a realistic starting point based on 2025 data from reputable sources. Montreal’s cost of living has risen with inflation, so budgeting is more important than ever. Let’s dive in!
Overview: Montréal Cost of Living in 2025
Montréal offers a high quality of life at a moderate cost. On average, a single person needs roughly $2,500–$3,000 per month to cover basic expenses in Montreal. Families will need more; for instance, an estimated budget for a family of four is about $6,300 per month (including rent) according to cost-of-living surveys. These figures are lower than equivalent costs in Toronto or Vancouver, which makes Montreal attractive to newcomers.
Several factors contribute to Montreal’s affordability: housing rents are lower than in Canada’s most expensive cities, public transit is efficient and reasonably priced, and Quebec offers subsidies for things like childcare that greatly benefit families. That said, Montreal is still a big city, and expenses add up quickly if not managed.
Key point: Your personal budget will depend on your household type and lifestyle. A frugal international student living in a dorm will have a very different budget from a professional renting a downtown condo or a refugee family living on government assistance. We will break down typical costs in each major category and then present sample budgets for different newcomer profiles. Throughout, we include tips to save money and make your first 3 months in Montreal financially smooth.
Housing Costs in Montreal
Housing will likely be your largest expense in the first 3 months. Rent in Montreal is more affordable than in Canada’s other large metros, but it varies widely by neighborhood, accommodation type, and whether your stay is temporary or long-term. Here’s what to expect for rental costs in 2025:
Average Rent (Citywide): As of 2025, the average rent for a one-bedroom apartment in Montreal is around $1,400–$1,600 per month in a central area, and slightly less outside the city center. For example, in the downtown/Ville-Marie area, a typical apartment rents for about $1,630 per month. In a less expensive neighborhood like Little Burgundy, one-bedroom apartments average about $1,430.
Studios and Rooms: A small studio (around 45 m²) in a normal (non-luxury) area averages roughly $1,300–$1,400 monthly, while the same size in an expensive area is about $1,700+. Renting just a room in a shared apartment (common for students or single newcomers) can cost anywhere from $600 to $900 depending on location and amenities.
Larger Apartments for Families: If you need a two or three-bedroom for a family, expect higher rents. An 85 m² (900 sq ft) apartment, for instance, costs about $2,000 per month in a normal area, and up to $2,600+ in a high-demand area. Entire houses or large condos in trendy areas (e.g. Griffintown or NDG) average around $2,300–$2,500 monthly.
Student Housing: Students in Montreal have options like university residences or purpose-built student apartments which can be cheaper. In 2025, student housing ranges roughly $650 – $950 per month (usually furnished, utilities included). University dorms or shared off-campus housing often fall in this range, making it budget-friendly. Private one-bedroom apartments for students cost more, around $1,200 – $1,600 if living alone.
Temporary vs Permanent rentals: For a short stay (3 months or so), you might opt for a furnished short-term rental or Airbnb. These can be pricey – for example, a furnished one-bedroom sublet or Airbnb might be $1,800–$2,500 per month due to convenience and included furniture. In contrast, a long-term lease (12 months) on an unfurnished one-bedroom might be $1,400 but will require buying furniture. Weigh the costs: if you’re only in Montreal temporarily, paying a premium for a furnished place might be cheaper overall than buying furniture and later disposing of it.
Initial housing costs: Keep in mind that when you rent in Quebec, landlords typically ask for the first month’s rent upfront (and no more – security deposits or last month’s rent are generally not allowed under Quebec law). However, you may face other initial expenses: for example, tenant insurance (around $15–$30/month) may be required by the lease, and some buildings charge a move-in fee or deposit for keys. Also, if the apartment isn’t furnished, you’ll need to budget for furniture and basic household items (see “Initial Setup Costs” section below for tips on furnishing on a budget).
Housing Tips for Newcomers:
Explore Affordable Neighborhoods: Montreal has a variety of neighborhoods. Generally, areas off-island or further from downtown (like parts of Verdun, Rosemont, or Côte-des-Neiges) offer lower rents than the Plateau or downtown core. For instance, rents in outlying areas can be a few hundred dollars cheaper for similar space. If you’re a student, neighborhoods around universities (Milton-Parc for McGill, or around Concordia’s Loyola campus in NDG) have many student flats and roommate opportunities.
Shared Accommodation: If you’re single (student or professional), consider sharing an apartment. Renting a room in a shared flat can bring housing costs down to the $600–$800 range, versus $1,300+ to rent a whole one-bedroom. Many newcomers find roommates through university housing boards or websites.
Family Housing Considerations: Families may look for 2+ bedroom apartments or townhouses in areas with good schools and parks (e.g. Plateau, Ville St-Laurent, West Island). While rents might be higher in some family-friendly areas, Quebec’s childcare subsidy keeps overall costs manageable (more on that in the family section). Some family newcomers initially rent a smaller place and upgrade once they know the city better.
Refugee and Low-Income Housing: Government-assisted refugees often get help finding affordable housing. Rent for a refugee family might be partially subsidized or set to a percentage of income. Non-profit organizations and RAP (Resettlement Assistance Program) may arrange short-term housing upon arrival. Still, refugees should expect to allocate a substantial part of their monthly support to rent. Often this means choosing modest accommodations – e.g. a small 1-bedroom for a single person or a basic 2-bedroom for a family – possibly in cheaper parts of the city or in suburbs where rents might be closer to $800–$1,200. Some refugees also share housing with friends/relatives to reduce costs.
Furnishing on a Budget: If you need to furnish an apartment, Montreal has many options for second-hand furniture (thrift stores, Kijiji, Facebook Marketplace). A famous local tip: around Moving Day (July 1), it’s common for departing tenants to leave furniture on the curb for free pickup. In fact, bargain hunters and low-income residents often benefit from furniture left on curbsides for free after moves. This can be a goldmine for newcomers needing basics like chairs, tables, or even TVs without breaking the bank. Always inspect items for cleanliness/bugs, but many finds are in good condition. For new items, Ikea is popular for affordable furnishings, and they deliver. Budget a few hundred dollars for initial essentials (mattress, kitchenware, etc.) if your place is unfurnished.
By understanding housing costs and taking advantage of shared living or subsidies, you can control one of the biggest expenses in your first months. Next, we’ll look at feeding yourself in Montreal.
Food and Grocery Expenses
Montreal is renowned for its food scene – from poutine and bagels to international cuisines – but eating well on a budget is achievable. Groceries will be a significant monthly expense, and you’ll likely also spend some money on dining out or takeout, especially as you settle in. Here’s what to plan for:
Monthly Groceries: A reasonable grocery budget for one person in Montreal is around $250 to $400 per month, depending on diet and where you shop. Sources indicate a single person typically spends $200–$350 per month on groceries, though with 2025’s food prices, $300+ is common for a healthy diet. Students often hit the lower end by cooking in bulk and buying store brands, whereas someone who buys lots of organic products or imported goods might spend more. For a family of four, expect roughly $850 to $1,200 per month on groceries. Families can save by buying in bulk and choosing budget-friendly stores. Montreal’s costs are a bit lower than Toronto’s; for example, an average monthly grocery bill in Montreal might be ~$500 for one person versus $550 in Toronto.
Price Examples: To give an idea of 2025 prices in Montreal supermarkets: a liter of milk ~ $2.50, a loaf of bread ~ $3, a dozen eggs ~$4, chicken breast (1kg) ~$12, and fresh produce varies by season (e.g. apples $4/kg, tomatoes $3-4/kg in season). These are approximate; markets can be cheaper than chain grocery stores for produce. Inflation Note: Food prices in Canada have been rising, so it pays to comparison-shop and adapt your menu to what’s on sale.
Dining Out: Montreal has thousands of restaurants for every budget. Eating out can range from very cheap eats to fine dining. A simple meal at an inexpensive restaurant (think a sandwich, bowl of pho, or a hearty poutine) costs about $15. Mid-range restaurants (sit-down meal, maybe with a drink) are about $25–$35 per person. High-end dining could easily be $60+ per person. If you grab coffee often, note that a latte runs about $4–$5 in Montreal cafes. Fast food combo meals (e.g. McDonald’s) are around $10–$12. Over 3 months, even one $15 meal per week adds ~$180 to your food budget, so factor in your eating-out habits.
Saving on food: Montreal offers many ways to eat well for less:
Groceries – Where to Shop: Large grocery chains in Montreal include Provigo/Loblaws, Metro, IGA, Walmart, and budget chains like Maxi or Super C. Generally, Maxi, Super C, and Walmart are cheaper for staples, while Metro and Provigo might be pricier but have wider selection. You can also explore ethnic grocery stores (e.g. Chinese supermarkets in Chinatown, Middle Eastern markets in Parc-Extension) for good deals on specific ingredients. Public markets like Marché Jean-Talon or Atwater Market are famous – they offer fresh produce, often local and seasonal. By shopping at Jean-Talon Market especially in summer/fall, you can get high-quality fruits and vegetables at low cost. Near closing time, vendors may offer discounts to clear produce. Planning your menu around seasonal items can reduce costs (e.g. buy Quebec berries in summer when cheap, root vegetables in winter).
Meal Planning: Cooking at home is the biggest money-saver. A $30 restaurant meal might cover ingredients for several home-cooked meals. Many Montrealers do a weekly meal prep, making large batches of food (soups, pasta, etc.) and refrigerating/freezing portions. This is great for busy students or professionals. Also consider inexpensive nutritious staples: rice, pasta, beans, local in-season veggies, and so on. Montreal tap water is safe and free – carry a reusable bottle instead of buying drinks.
Coupons and Flyers: Quebec grocery stores have weekly flyer deals. Apps like Flipp or Reebee let you browse sales and even price-match at some stores. Look out for student discounts – some supermarkets near campus have student discount days (e.g. 10% off on certain days with student ID). Joining loyalty programs (PC Optimum for Provigo/Maxi, Air Miles for IGA/Metro) can earn you future discounts.
Dining Out on a Budget: You don’t have to avoid restaurants entirely. Take advantage of Montreal’s numerous cheap eats: for example, a famous late-night spot La Banquise offers filling poutine for under $15, and many neighborhood eateries have lunch specials. Ethnic eateries (like $3 samosas or $1 dumpling deals in some places) and Montreal’s food trucks or street fairs can be both fun and affordable. Limit pricy outings and explore the affordable end of Montreal cuisine. And remember, tipping ~15-20% is customary in restaurants in Quebec – don’t get caught off guard when budgeting for a nice dinner out.
By monitoring your grocery spending and balancing home cooking with occasional treats, you can eat healthily without breaking the bank. Next, we’ll cover getting around the city.
Transportation Costs
Getting around Montreal efficiently is key in your first few months, whether you’re commuting to work/school or exploring your new city. The good news: Montreal has a robust public transit system and is quite walkable/bikeable in many areas. Transportation expenses will depend on your choices (bus/metro vs. car, etc.) and whether you qualify for discounts. Let’s break down transit, then car costs:
Public Transit (STM): Montreal’s public transit, run by the STM (Société de transport de Montréal), includes buses and the metro (subway). In 2025, a standard one-way fare is about $3.75 (giving 90 minutes of access, including transfers). Most frequent riders opt for a monthly pass. A monthly transit pass costs around $100 for an adult. (In fact, the price was $100 in early 2025 and increased to about $104.50 by July 2025.) Montreal’s transit remains cheaper than Toronto’s (~$156/month). Students and youth (age 18-25 in full-time studies) and seniors are eligible for 40% discounted passes, bringing the monthly cost down to about $60 – a huge savings if you qualify. To get this, you need a student photo ID OPUS card (a one-time $15 fee for the card).
If you’re staying only 1-3 months, you can still buy monthly passes; there are also weekly passes (
$28/week) and daily passes ($11/day) if needed, but monthly is most cost-effective if you commute almost daily. An OPUS card is reusable; you load your pass onto it. Keep the card – it’s refundable if you ever return it (small deposit).Budget tip: For newcomers under 25 who are studying or even learning French full-time, be sure to apply for the student OPUS to save ~40% on transit costs. Also, if you live in Montreal off-island suburbs (Laval or Longueuil), different zone fares apply (Zone A is Montreal, AB covers off-island trips, costing more). But most newcomers reside in Zone A where the standard fares above apply.
Other Transit Options: In addition to STM, there are commuter trains and the new REM light-rail connecting farther suburbs. These have higher fares by zone. However, in your first months, you’ll likely stick to bus/metro unless you live far out. If you need to get from the airport on arrival, note the special 747 airport express bus costs $11 (or regular passes cover it). Taxis/Uber from the airport to downtown run ~$40–$45.
Taxis/Ride-shares: Day-to-day, taxis or Uber are usually not a primary mode due to cost. A 5-km taxi or Uber ride in the city is about $15–$20 (more if traffic). Save these for occasional use (late night, heavy luggage, etc.), as they add up quickly.
Biking: Montreal is very bike-friendly in warmer months. The city has a public bike-share program called BIXI. You can rent bikes for short trips; a daily pass might be ~$5, or a monthly membership around $18 (season passes are ~$99/year). If you enjoy cycling, this can supplement your transit use. Alternatively, buying a second-hand bike for a few months might be worthwhile (used bikes can be found ~$100+). Don’t forget a helmet! Biking can save you transit fares and is often the fastest way around downtown in summer.
Walking: If you live near work or campus, you might be able to walk most places and save on transit entirely. Montreal’s central neighborhoods are quite walkable. In winter, factor in the cold and snow – you might rely more on the metro during those months.
Owning a Car: Many newcomers wonder if they need a car. If you’re in the city proper, a car is often unnecessary – and expensive. Costs include insurance, fuel, parking, registration, plus the car itself. On average, car ownership in Canada can cost over $1,000 a month when you add everything (this includes car payments), though Montreal/Quebec is a bit lower if you already own a car outright.
Insurance: Quebec has the cheapest car insurance in Canada, thanks to a public injury insurance scheme. The average car insurance premium in Quebec for 2025 is ~$1,212/year (about $101/month). In Montreal specifically, insurance tends to be higher due to urban risks – estimated around $1,575 per year (about $130/month) for an average driver in 2025. If you’re a newcomer with no Canadian driving history, your rates could be higher at first. Getting quotes from brokers or using comparison sites is wise if you plan to drive.
Fuel: Gasoline in Montreal in mid-2025 averages around $1.60–$1.70 per liter (varies week to week). Filling a compact car’s tank (50L) would cost ~$80. If you commute by car, consider how many liters per week you’d use (e.g. 20L/week = ~$34/week). Quebec gas prices are usually a bit lower than Ontario’s, but they fluctuate. Don’t forget potential highway tolls (there’s a bridge toll if you live off-island to the north, for example).
Parking: Parking can be another substantial cost. Downtown parking garages charge about $15–$30 per day. Monthly parking downtown is about $150–$300. Residential street parking in many boroughs requires a local permit (~$100/year) but is limited to residents. If you rent an apartment, inquire if a parking spot is included or available for extra cost (commonly $50–$150 monthly for a spot). In the winter, note that Montreal has snow removal parking rules – another reason some ditch their cars.
Buying a Car: If you just moved, buying a car in the first 3 months might not be practical unless absolutely needed (e.g. a family moving permanently who know they’ll be in a suburb). Used car prices in 2025 are fairly high (a decent used sedan might be $8k-$15k). Plus, new residents have to get a Quebec driver’s license within a certain time (if you have a foreign license, you may need tests). All these steps have fees (license exchange ~$100, registration ~$300/year depending on vehicle). Temporary stays: definitely avoid buying – use transit, car rentals or car-sharing for occasional trips (services like Communauto allow short-term car rentals by the hour/day, which might be ~$10/hour or ~$50/day plus km fees – useful for an Ikea run or day trip).
Transportation Tips:
Leverage Public Transit: For most newcomers, a monthly pass will be a core expense. Budget roughly $100/month per adult for transit (or $60 if you qualify for student fare). If you’re a family, note children under 12 now ride free on STM with a fare-paying adult, which is a nice perk. Teens 12-17 get reduced fares as well. So a family of four might only need passes for the parents.
Plan Commute Before Choosing Housing: Saving $200 on rent by living far away might be offset by time and money spent commuting. Ideally, choose housing with an easy metro or bus line to your daily destination. Montreal’s metro has four lines (green, orange, yellow, blue) covering much of the city; living near a station can be invaluable. The bus network fills in gaps; buses are included in the pass and run frequently on main routes.
Winter Transport Considerations: Winters are cold and snowy. In the first 3 months, if you arrive during winter, factor in possibly taking transit more (even if you like walking, -20°C and icy sidewalks can change your mind!). Ensure you budget for proper winter clothing (which we’ll cover later) so you’re not forced to take taxis due to inadequate gear. Montreal also has an “Underground City” downtown – a network of tunnels connecting malls and metro stations – which can help you avoid the cold while walking downtown.
Cycling and Walking: In milder seasons, using a bike or just walking can reduce your transit costs. Montreal invests in bike lanes, and many locals bike from April through October. A student or young professional might walk/bike to campus or the office and only use transit in bad weather, effectively saving on months of pass costs. If you can skip buying a pass one month because you’re walking or biking everywhere, that’s ~$100 saved – but be realistic about distance and weather.
Overall, Montreal’s transportation is relatively budget-friendly compared to car-centric cities. Most newcomers can rely on public transit plus the occasional ride-share without trouble. Now that we’ve covered shelter, food, and transit, let’s examine the cost of utilities and other monthly bills.
Utilities and Monthly Bills
After rent, you’ll have to account for utilities and other recurring bills (like internet and phone). Some rentals include certain utilities, so check your lease. In many Montreal apartments, heating and electricity (Hydro Québec) are on the tenant, while water is typically included (as it’s covered by municipal taxes). Let’s outline typical costs:
Electricity & Heating: Montreal (and all of Quebec) has relatively cheap electricity due to abundant hydro power. Even so, winter heating can push bills up. If you rent a small studio or 1-bedroom, expect to pay around $50–$80 per month on electricity in moderate weather, and potentially $100+ in the coldest winter month if heating is electric. A larger family apartment (e.g. 3 bedrooms, ~85 m²) might average $120 per month for two people’s usage, with peaks in winter. Some sources give a range of about $100–$150 monthly for electricity/heating in Montreal apartments, higher end being wintertime. Important: Many leases in Montreal include heating (and hot water) if the building has central heating. In that case, your electric bill might be very low (just lights & appliances). If heat is included, that’s a big saving – clarify this when renting. For houses or larger flats with electric baseboards, budget for winter accordingly. Hydro Québec bills come every two months typically, but you can request monthly equalized payments to smooth out seasonal spikes.
Internet: Home internet in Canada is not cheap. For a reliable unlimited data plan, expect around $50–$70 per month in Montreal. Many providers (Bell, Videotron, Teksavvy, etc.) operate in the city. A basic 100 Mbps unlimited plan might be ~$60. If you are a heavy user or want faster speeds (for gaming or remote work), it could be $80+. Installation fees ($50-100) might apply for new service, though some promos waive it. If your stay is short-term, look for month-to-month plans (some smaller ISPs offer no-contract internet, so you’re not stuck with a year-long contract). In some student residences or furnished rentals, internet is included “free,” which can simplify things. Otherwise, plan to arrange service soon after moving in.
Mobile Phone: You’ll likely need a local SIM card or mobile plan. Canada’s cell phone plans are notoriously pricey. A baseline plan (unlimited calling/text + a data allowance) might cost $30–$50/month for 4-10 GB data on discount brands, and $60+ for big carriers with more data. As a newcomer, bringing an unlocked phone and using a prepaid or BYOD (bring your own device) plan can save money. For instance, carriers like Fido, Koodo, or Virgin often have plans around $40 for 6 GB which suffices for moderate use. If you’re only here 3 months and your foreign plan has roaming, compare costs – sometimes a local prepaid SIM is easier. Tip: Many coffee shops, campuses, and the Montreal metro have free Wi-Fi, so you can get by with less mobile data if you plan wisely. Set aside at least $40/month in your budget for cell service, unless your employer or school covers it.
Water and Trash: These are generally included in rent in Montreal (you won’t get a water bill as a tenant in an apartment). There’s also no extra charge for trash or sewer – city taxes cover those, which your landlord pays. The only exception is if you rent a single-family home, you might see municipal tax charges, but for initial 3 months as a renter, not likely a concern.
Streaming/Other Bills: Don’t forget any subscriptions: Netflix, Spotify, etc. They’re optional but many people keep them; Netflix is ~$16/month in Canada for standard, for example. These fall under leisure, but we mention here so you remember to budget for them if they matter to you.
Household items & toiletries: While not “utilities,” plan a bit for things like laundry (most apartments have coin laundry or card system, typically ~$2-4 per load), cleaning supplies, and personal care (shampoo, etc.). In first 3 months you might need to buy basics like trash bins, light bulbs, a shower curtain – one-time setup costs that can total $100+. Keep a small fund for these incidentals.
Utility cost-saving tips:
Mind the Thermostat: If you control your heating, use it wisely. Hydro Quebec offers time-of-use tips (though Quebec’s rates don’t vary by time, it’s a flat rate). Still, simple habits like lowering heat while you’re out or at night can trim the bill. Montreal winters are cold, but instead of cranking heat to tropical levels, wear a sweater indoors and keep thermostat at a reasonable 20°C (68°F) to balance comfort and cost. Likewise, fans in summer instead of heavy AC (most apartments don’t have central AC; some have window units you plug in which raise the electric bill in July/Aug).
Bundle Internet and Phone (Maybe): Sometimes you can get a better deal by bundling home internet with mobile service from the same provider, or by using family plans for cell phones (useful for couples/families). Do compare, but don’t get stuck in a long contract if you’re not staying long.
Student Deals: If you’re a student, look for campus arrangements. Some universities have special offers (e.g., free campus Wi-Fi everywhere means you might downgrade your mobile data). Also, student apartments may include Wi-Fi in rent. And check if any student unions have discounts with certain providers.
Library and Community Resources: Instead of subscribing to a million streaming services or buying books, use the Montreal Public Library – a library card is cheap (free for residents; small fee if you’re temporary without resident status) and you can borrow books, DVDs, even use free Wi-Fi and workspaces. This can indirectly save money on entertainment and data usage.
In summary, for a single person in a small apartment, expect around $100–$150 per month total for utilities (electric + internet + maybe a phone line share). For a family in a larger home, maybe $200–$250 per month (more devices, more heating) is reasonable. If some utilities are included in rent, adjust accordingly. Now, let’s consider other important costs like healthcare and insurance.
Healthcare and Insurance
One major advantage of Canada is universal healthcare, but as a newcomer there are some nuances, especially in your first 3 months. We also need to consider other insurance like travel, health, and tenant or car insurance. Let’s break down what you need to budget for:
Provincial Health Coverage (RAMQ): In Quebec, the public health insurance (RAMQ) covers doctor and hospital visits for residents. However, new residents often face a waiting period of up to 3 months before coverage kicks in. For example, if you arrive on August 10 and register, your RAMQ coverage might only start on November 1. During this waiting period, you need private health insurance to cover any medical emergencies or needs. If you are a permanent resident or worker moving to Montreal, absolutely budget for a private health insurance or travel insurance for those first 3 months (unless your employer provides something immediately). A short-term health insurance plan for 3 months could cost a few hundred dollars (roughly $100 per month for a basic plan is a reasonable estimate, varying by age and coverage). Shop around – companies like Blue Cross offer “visitor to Canada” insurance that new PRs or work permit holders can use.
Refugees: Government-assisted refugees are usually covered from arrival by the Interim Federal Health Program (IFH) which covers basic health needs until provincial insurance takes over. So refugees might not need to purchase insurance, but they should carry their IFH papers to doctors. If you’re a refugee claimant (asylum seeker), you also have IFH. Thus, refugees likely won’t spend out-of-pocket on health insurance, but may have to pay for some non-covered things like certain medications or dental (with possible reimbursement via programs). We will focus on budgeting for things like prescriptions in that case.
International Students: Quebec does not let most international students use RAMQ, unless you’re from a country with a special agreement (like France, Belgium – those students can join RAMQ). Most international students must enroll in a university health insurance plan. Universities in Montreal typically charge health insurance per semester. For example, McGill’s international student health plan for summer 2025 was $349 for May-August, and around $1,000 for a full year. On average, expect roughly $600–$1000 per year for international student insurance in Quebec, which is about $50–$80 per month. Check your school’s fees – it’s usually mandatory and automatically billed. So students should include that in the budget. (If you have private insurance from home, you usually still must take the school plan unless you have an approved equivalent.)
Working Professionals: If you come on a work permit, some employers provide group health insurance that covers things RAMQ doesn’t (like dental, drugs) and possibly covers the 3-month wait. Clarify with your employer. If not, purchase a short-term plan for the first 3 months. Once you get RAMQ, you won’t pay premiums (it’s tax-funded), but you might choose to buy extended health insurance for things like dental, vision, prescription drugs. Many Canadians get this through work benefits or buy individually. Typical cost for a comprehensive private health plan can be $50–$150 per month depending on coverage. In your first 3 months, you might hold off on a long-term plan and just cover basics.
Medication: Under RAMQ, if you don’t have private drug insurance, you are automatically on the public prescription drug plan (with premiums integrated into taxes). But as a newcomer, you might not access that immediately. Budget some money for over-the-counter medicines or any prescriptions you might need. For instance, common antibiotics might cost $20 if you pay out-of-pocket, and basic meds like Tylenol $10. If you have specific health needs, plan accordingly (and ensure your insurance covers your prescriptions or bring a supply).
Tenant Insurance: If you rent an apartment, tenant (renters) insurance is highly recommended and often required by landlords. This covers your personal belongings (theft, fire) and liability (e.g., if you accidentally flood the apartment). Luckily, it’s not very expensive in Quebec. You can get a basic tenant insurance for about $15–$25 per month for a $30,000 contents coverage, for example. Some insurers bundle this with auto insurance for a discount if you have a car. Include this in your housing budget. It provides peace of mind – for instance, if there’s a burglary or a fire, you can replace your stuff. Also, if you’re a student, check if your parents’ home policy from your home country covers your stuff abroad (some do, but not always).
Car Insurance: We touched on this in the transport section but to reiterate for budgeting: if you will have a car, the insurance is likely your biggest car expense. In Montreal average around $100–$130 per month for a typical driver. New, young drivers or those without a Canadian record might pay more. Make sure to get quotes and factor this in – it’s illegal to drive without insurance. Additionally, owning a car requires renewing registration (~$300/year) and possibly paying for parking. These often surprise newcomers, so budget maybe $50/month equivalent for those costs (even though paid annually).
Life Insurance and Others: These are probably not top of mind in the first 3 months for most, but if you relocated for a job, you might consider life or disability insurance eventually (often a part of a benefits package). We won’t allocate budget to this for short-term, but just a note that Canada’s system provides some safety nets (healthcare, etc.) but not everything.
Insurance/Health Tips:
Don’t Skip Health Insurance in Gap: It’s tempting to not buy a $300 private insurance if you’re generally healthy and only have 2-3 months to wait for RAMQ. But accidents happen – an emergency room visit for a broken arm can cost thousands if uninsured. So prioritize getting at least emergency medical coverage for that gap. Some credit cards or travel insurance from your home country might cover you too; research that as well.
Use Free Health Services: Once you have RAMQ (or if you’re a refugee with IFH), you can see doctors without charges. Montreal has walk-in clinics and family doctors (though finding a family doctor can take time). If you’re a student, your campus might have a student health clinic with some free services. Mental health support can often be accessed through community organizations or school counselors at low/no cost, if needed, rather than paying privately in the first months.
Pharmacy Tips: Pharmacies like Jean Coutu, Pharmaprix (Shoppers Drug Mart), or Uniprix have loyalty programs. You can accumulate points on purchases (including prescriptions) to get discounts later. Not huge savings, but worth joining. Also, some medications might be cheaper as generics – pharmacists in Quebec can often substitute a generic brand to save you money.
Understanding Coverage: Quebec’s public health covers most essentials, but not things like dental, optometry (for adults), or elective procedures. If you think you’ll need a dentist or new glasses in the first 3 months, budget for that. A basic dental exam & cleaning might be ~$150 per person. Glasses can be $100-$300. Some newcomers hold off these expenses until they have insurance or more funds, unless urgent.
By ensuring you have health coverage and the right insurance in place, you protect both your well-being and your finances during the critical first months. Now, let’s look at the fun part of the budget – leisure and other personal expenses – and how to handle them responsibly.
Leisure, Entertainment and Miscellaneous Expenses
All work and no play is no fun – even on a tight budget, you should plan for some leisure and personal spending. Montreal is a vibrant city with lots of low-cost or free entertainment, which is great when you’re watching your wallet. Let’s outline typical recreation costs and other miscellaneous expenses to consider:
Entertainment (Movies, Events): A standard movie ticket in Montreal is about $15 (it can creep up to $17 for IMAX or 3D). Tuesdays often have discounted tickets (~$7-10) at many cinemas. If you’re a cinephile, consider budgeting maybe $30/month for a couple of outings. Montreal also hosts many festivals. The good news: festivals like the International Jazz Festival and Just for Laughs have many free shows. If you want to attend a specific concert or indoor show, tickets can range from $30 to $150 depending on the act. Plan ahead which paid events you really want to splurge on. For example, an all-access pass for Just for Laughs was around $80–$175, but you could just catch the free outdoor acts.
Dining & Nightlife: We covered basic dining in the food section, but if you plan to enjoy nightlife – Montreal’s bars, clubs, etc. – factor that in. A pint of local beer is about $7 at a pub. Cocktails in a bar might be $12-15. Cover charges for clubs could be $5-20. This can quickly drain a budget if you indulge often. Perhaps allocate an entertainment fund of, say, $50-$100 a month for casual social outings (that might cover a few drinks and one nice meal). There are also plenty of BYOB restaurants in Montreal (bring your own wine) which can save money when dining out with friends.
Fitness and Sports: If staying active is important, note that a gym membership in Montreal runs about $40–$70 per month at a mid-range gym. Some cheaper gyms exist (e.g., Econofitness at ~$20/month). Many apartment buildings have gyms included, and there are also city-run sports centers with reasonable fees. In summer, outdoor activities are free (jogging on Mount Royal, using outdoor fitness equipment at parks). In winter, consider the cost of activities like skating (outdoor rinks are free, you might just need skates) or skiing (a day at a nearby ski hill might be $50+ gear rental). If you plan on joining a gym or taking classes (yoga, dance), put that in your budget. Alternatively, use your university’s gym if you’re a student – often included in tuition or at a big discount.
Shopping and Clothing: You might need to buy some clothes, especially seasonal items. If you arrive in fall or winter and don’t have a proper coat or boots, this is non-negotiable spending. Budget about $200 for a good winter coat and $100 for quality boots, plus hats/gloves (another $50) if you come from a warm country and don’t have these. Thrift stores and second-hand markets can significantly cut this cost; Montreal has a ton of thrift shops (Village des Valeurs, Renaissance, etc.) where you can find winter gear at a fraction of new prices. For other clothing or household goods, places like Walmart, Canadian Tire (for home stuff), or Ikea are popular for affordability. In the first 3 months, try to limit shopping sprees – maybe set aside a small amount like $50-100 for unexpected purchases or entertainment shopping.
Personal Care: Think haircuts, toiletries, etc. A men’s haircut in Montreal might be ~$20-30, women’s haircut $40-60 (more at upscale salons). If you need one in the first 3 months, plan for that. Basic toiletries (toothpaste, soap, etc.) are not huge expenses but do add up maybe $20/month. Montreal has dollar stores (Dollarama) that are great for cheap household items, and pharmacies often have sales on personal care goods.
Family/Kids Leisure: If you have children, entertainment might involve visits to attractions like the Biodôme, Science Centre, etc. Many of these have family rates – e.g., the Montreal Botanical Garden family ticket is about $57.75 (2 adults + kids). The Biodôme/Insectarium is around $22 per adult, but free for kids under 5. There are also free activities for kids: great playgrounds, free workshops at libraries, etc. Daycare (for under-5) is basically a necessity if both parents work – Quebec’s subsidized daycare is $8–$10 a day in theory, but actually finding a spot can be challenging, so some families pay more for private daycare temporarily. The subsidy program pegs daycare at about $212/month for full-time care, which is why sources cite ~$200–$300 in Quebec vs $1500 elsewhere. If you only need short-term childcare occasionally, consider budgeting some money for babysitting or daycare drop-in. For older kids, public school is free and starts each late August/Sept; in first 3 months if arriving mid-year, you might have to arrange school enrollment (no direct cost, but possibly school supplies ~$100 and new clothes).
Miscellaneous:
Banking: Opening a bank account is usually free and recommended (some banks have newcomer packages with free fees for a year). You might need to buy checks for rent (some landlords ask postdated checks) – a small cost, maybe $40 for a checkbook.
Emergencies: Always good to have a buffer in your budget. Ideally, have an emergency fund for unplanned expenses (medical, urgent flight home, replacing a broken phone, etc.). If not, allocate at least something like $100/month towards a contingency fund if possible.
Education/Language: If you plan to take French classes (a good idea in Quebec!), note that government-sponsored ones are often free for PRs/refugees, and even come with small financial allowances in Quebec. Private language schools or community classes might charge a fee. This might not hit in the first 3 months, but keep in mind.
Leisure Tips:
Enjoy Free Attractions: Montreal has a wealth of free or low-cost things to do. Many museums have free days or evenings (e.g., the Fine Arts Museum is free for under 20 or on certain nights for certain ages). There are free concerts, outdoor movie nights in parks, etc. Follow Montreal event listings (sites like Montreal Tourism, or local blogs) to catch these opportunities. In summer, Tam-Tams on Sundays (drum circle and festival on Mont Royal) is an iconic free event.
Discounts: Consider getting an Accès Montréal card (about $8 for residents) which gives discounts on city attractions and some stores. Students often get discounts at cinemas, museums, software, etc. Always ask!
Manage Party Spending: It’s easy to overspend in social situations. Set a weekly or monthly fun budget and stick to mainly cash or debit – seeing money leave your account can curb excess. Montrealers love terrace (patio) season and 5-à-7 (happy hour), but you can socialise without blowing through cash by picking affordable venues or hosting potluck dinners with new friends at home.
Resist “lifestyle creep” early: You might see locals going to fancy brunches or frequenting festivals regularly; as a newcomer, pace yourself financially. There will be time to do it all once you’re settled in a job or have stable income. The first 3 months, focus on experiences that give you joy and connection without high cost – e.g., join free meetup groups, go skating on Beaver Lake (you can borrow skates cheaply), hike up Mount Royal (free, with a stunning city view).
Now that we’ve detailed each category of expenses, let’s see how this comes together. We will now look at sample budget breakdowns for different types of newcomers (students, professionals, families, refugees), and then discuss how temporary vs permanent relocation might alter your budgeting approach.
Sample Budget Breakdowns for Different Newcomers
Every individual or family will have a unique budget, but it’s helpful to see a concrete example of how all these expenses add up. Below are sample monthly budgets for four scenarios:
International Student (Single) – e.g. a university student from abroad renting a room or studio.
Single Working Professional – e.g. a young professional on a work permit or newly permanent resident.
Family (Two adults + two children) – e.g. parents with two kids relocating permanently.
Refugee (Single) – e.g. a government-assisted refugee arriving alone.
These are estimates for the first month or typical month, assuming the person has arranged accommodation and is covering basic needs. One-time startup costs (like furniture, deposits, flights) are noted separately. Costs are in CAD per month:
Table 1: Estimated Monthly Expenses for Different Newcomers in Montreal (2025)
Expense Category Intl. Student (Single) Single Professional Family of Four (2+2) Refugee (Single) Housing (Rent) $800 (shared or dorm) $1,400 (1-bed apartment) $2,000 (3-bed apt) $600 (room in shared apt) Utilities & Internet $50 (included or minimal) $150 (electr. $75, net $60, etc.) $250 (higher usage: electr. $120, net $70, cell $60) $100 (small space, modest use) Food (Groceries) $300 (cook at home) $350 (mix groceries & some takeout) $1,000 (family meals) $250 (basic groceries, food bank help) Local Transport $60 (student STM pass) $104 (adult STM pass) $180 (2 adult passes $104×2, kids free; or gas) $90 (STM pass + few bus tickets) Insurance (Health & Other) $60 (univ. health plan) + $0 tenant = $60 $50 (interim health) + $20 tenant = $70 $150 (family health/dental or work benefits share) + $30 tenant = $180 $0 (IFH health provided) + $15 tenant = $15 Leisure & Misc $100 (phone $40 + entertainment $60) $200 (phone $50, gym $40, entertainment $110) $300 (kids activities, family outings, misc.) $50 (minimal leisure, prepaid phone $30) **** Total per month (approx) $1,370 $2,274 $3,910 $1,105
(Sources: housing costs from Wise Move and Expatistan; groceries from Wise Move; STM transit from STM/ARTM; student health from UQAM/Polytech data; other figures estimated from earlier discussion and Quebec data.)
Notes on the table: These figures are illustrative and assume moderate spending within each category:
The international student scenario assumes sharing accommodation (e.g. a room in an apartment near campus for ~$800, including some utilities), cooking most meals, using student transit pass, university health insurance, and modest personal spending. If a student chose a private 1-bedroom at $1,300, their housing line would be higher.
The single professional scenario assumes renting a decent one-bedroom, paying full utilities and internet, cooking at home but eating out occasionally (hence a bit more food budget), having a monthly STM pass (not owning a car), paying for interim health insurance or maybe none if past 3 months, and a bit more for entertainment or fitness. This person’s budget might increase if they had a car or more expensive tastes.
The family scenario (2 adults, 2 young kids) presumes one larger rental (~$2k), higher utilities (more space, more devices), larger grocery needs (children eat, though perhaps not as much as 4 adults), two transit passes for parents (children under 12 free on transit), perhaps one cheap used car’s expenses in that $180 transport (or occasional gas/insurance if they have a car instead of transit), some childcare or kids’ items folded into misc, and a health insurance family plan or employer benefits contributing (cost can vary). Notably, the $1,000 for food could be trimmed if very frugal, but growing kids + diapers for a toddler, etc., add up. Daycare is not explicitly listed; if both kids need daycare and spots are found, Quebec’s subsidy means it could be only ~$400/month for both – which might come from that misc $300. If no subsidized spot, private daycare could blow the budget. One parent might stay home initially to avoid that cost. Also, family likely has some initial school expenses or clothing to buy. So the family budget is highly variable but ~$4k/month is a ballpark for a modest lifestyle (rent being the biggest chunk).
The refugee (single) scenario is tight: It assumes living very cheaply (maybe renting a room for $600 or in shared housing provided by an agency). Government income support for a single in Quebec is about $784 per month, which means they must find rent below that and rely on food banks and support for food. We gave $250 to food assuming use of food bank for some supplement. Transit $90 might actually be covered partly by NGOs or discounted programs, but we show the cost of a pass. Health insurance is not needed due to IFH, but tenant insurance $15 is recommended (though some on tight budgets might forgo it). This person would need to use every aid available: e.g. free furniture, donated clothing, community meals. Their budget doesn’t balance without support – likely they’d get a one-time startup allowance for basics. In reality, many refugees share accommodations or have host families to reduce costs.
These scenarios show how expenses can change. You can use these as a template and adjust based on your situation (maybe you’re a couple without kids – that might be somewhere between the single and family budgets, etc.). The first 3 months often include extra one-time costs too, which we haven’t fully shown in the monthly table. Let’s list typical initial one-time expenses you should anticipate:
Airfare / Moving Costs: If you just arrived from another country or province, you probably spent on flights or moving trucks. This might not affect your Montreal monthly budget going forward, but it’s part of initial outlay. (Keep some savings for return tickets if you’re a student on a temporary stay.)
Housing Start-up: First month’s rent (and possibly last month if a special arrangement, though in Quebec normally not), plus maybe tenant insurance payment upfront. If you had to pay a refundable security deposit for furnished rentals (common for short-term rentals, even if long-term unfurnished can’t charge deposit by law), note when you’ll get it back. Also, any furniture and appliance purchases: Could be zero if you took a furnished place, or could be $1,000+ if you had to fully equip an apartment. Many newcomers spend the first weekend in Montreal at IKEA or on Facebook Marketplace! Prioritize a bed, a table/chair, and basic kitchen items. Consider cost-saving hacks like borrowing items or checking if your apartment has leftover furniture.
Utilities setup fees: Hydro Quebec may require a deposit if you’ve never had credit in Canada (though usually not, they might just bill you). Internet companies might charge an installation fee (
$50) and modem purchase/rental ($100 or $10/mo rental). Those are one-time or upfront costs you pay in the first bill. Cell providers might charge a SIM card fee ($10) and activation ($40, often waived). Budget maybe $100 total for various setup fees for utilities/services.Winter clothing: As mentioned, if arriving in winter and you lack proper gear, initial investment in a warm coat, boots, etc., is crucial. You can’t budget monthly for that – it hits at once. Try to set aside a few hundred for this if needed or buy second-hand to reduce cost.
Misc. Initial Purchases: It could be a transit OPUS card ($15 deposit), a bicycle, textbooks for students (which can be a lot, though many go digital or used to save money), or even things like Quebec driver’s license exchange fee if you drive (~$100). Also, many newcomers end up buying a small printer, a desk, or other home office needs if working/studying – factor those one-time buys in. They can often be found cheaply second-hand if you plan ahead.
To avoid being caught off guard, many newcomers create a “moving fund” separate from their monthly budget, to cover all these one-offs. If you have, say, $5,000 saved up for moving expenses, you might use a few thousand on flights and shipping, then a couple thousand on setting up your Montreal life, while your monthly budget covers ongoing costs.
Now that we’ve seen the numbers, one more perspective remains: how does budgeting differ if you’re only in Montreal temporarily versus settling permanently?
Temporary vs. Permanent Relocation: Budget Considerations
Whether you’re in Montreal for a short stay (a few months to a year) or planning to settle long-term affects some of your financial choices. Here’s how to tailor your budget strategy to each situation:
Temporary Stays (Up to 3-12 months)
If you’re an exchange student, on a work contract, or just testing the waters in Montreal, you’ll likely:
Opt for Convenience: Short-term rentals that are furnished and include utilities can simplify life. Yes, you pay a premium (as noted, a furnished place might cost a few hundred more per month), but you avoid buying furniture and can move out easily. For example, a 3-month furnished sublet at $1,800/month might be better than a $1,400 unfurnished lease that requires you to spend $2,000 on furniture and then sell or store it.
Possibly Pay Higher Monthly Costs, Lower One-time Costs: You might take taxis more rather than buying a transit pass if you’re only occasionally commuting. Or eat out more instead of stocking a full pantry of staples. This can raise your monthly burn rate, but you won’t invest in bulk purchases or memberships. Be mindful – it’s easy to overspend with this mindset. Even on a short stay, cooking and transit passes can be worthwhile if you want to save money.
Health Insurance for Entire Stay: If you’re here under 6 months, you typically won’t be eligible for provincial healthcare at all. Ensure you have travel insurance for the entire duration (some people assume nothing will happen in 3 months – don’t risk it). Also, if you’re an international student here for one semester, the university will charge you insurance for that semester (non-negotiable in most cases).
No Long-term Commitments: Don’t sign up for a 1-year gym if you’re here 3 months – go for month-to-month, or use pay-per-visit passes. Same with phone plans: use prepaid or a short-term plan (some carriers have 3-month plans). You may spend a bit more per unit (e.g. per month or per gig of data) but save by not paying when you’re gone.
Use Storage or Minimalism: If you bought some things (like a space heater, dishes) and you can’t take them with you, consider selling them before leaving, or if you might come back, put them in a small storage unit. Storage in Montreal might cost ~$50-100/month for a small locker. For very short stays, it’s best to borrow or make do with minimal belongings to avoid this.
Getting Deposits Back: On temporary stays, track any deposits (housing, utilities) so you reclaim them. For example, if you put a $300 security deposit on a short lease, ensure you meet conditions to get it back when you leave. Same for returning the OPUS transit card for refund (small, but why not).
Temporary mindset: Essentially, you might treat your time like an extended trip – you won’t accumulate too much stuff, and you accept spending a bit more for flexibility. However, try to still follow a budget so you don’t run out of funds halfway. Many temporary residents set a weekly budget for discretionary spending (like “I’ll spend no more than $100 a week on fun and eating out”) to ration their funds over the stay.
Permanent Relocation (1+ year or indefinitely)
If Montreal is your new long-term home, the first 3 months are about setting foundations:
Invest to Save Later: It often makes sense to spend on things that reduce monthly costs down the road. For instance, buying a used furniture set for $1,000 might hurt now, but it means your rent is lower than a furnished place and you’re comfortable long-term. Similarly, you might invest in a yearly transit pass (sometimes employers offer deductions) or a commuter bike. You might stock up at Costco (get a membership) to save on bulk groceries for the future. These upfront costs are investments in lowering your cost of living.
Establish Credit and Banking: As a long-term resident, you’ll want to get a local credit card (for building credit history – essential for future loans, etc.). Use it wisely for routine purchases and pay it monthly. There might be initial fees or deposits (some newcomers secure a credit card with a deposit if they have no credit). This isn’t a huge budget item, but long-term thinking.
Annual Plans: You might commit to an annual internet plan or phone contract to get a better rate, since you know you’ll be here. E.g., a two-year mobile plan might give a free phone or lower monthly rate than a no-contract plan. Just be sure you indeed stay, or penalties can occur.
Learn the Sales Cycles: As a future Montrealer, you can time major purchases to sales. For instance, buy winter clothes off-season on sale, or electronics during Boxing Day/Black Friday. In the first 3 months you might not have that luxury (you need a coat now, not later), but keep it in mind as you plan beyond.
Settling Children: If you have kids, permanent relocation means enrolling them in school (public school is free, you just buy supplies and possibly uniforms in some high schools). You’ll want to budget for any extracurriculars they join after a few months (sports teams, etc.). The Quebec government gives families modest child assistance payments (if permanent residents) – not much (~$500+ per quarter depending on income/kids), but something to note for future budgeting.
French Language Courses: Quebec offers free French classes to new immigrants (with even a small stipend while you study). Taking advantage of these in the first year can improve job prospects and integration – and help financially due to the stipend. It might mean dedicating time (which is a cost in itself if it reduces working hours), but long-term it can lead to higher income.
Emergency Fund: As a permanent resident, you should build an emergency savings fund in Canada. Aim for 3-6 months of expenses saved over time. In the initial 3 months you might just be stabilizing, but plan to start saving once you have income. This will cushion any future budget shocks (like job loss or health issues).
Buying Property or Car (Long-term): Not relevant in the first 3 months typically, but if you plan to be in Montreal, you might aim to buy a car or even a home eventually. Your budgeting early on should account for saving towards those goals (e.g. setting aside money for a car down payment, or for closing costs on a condo). Montreal’s real estate is cheaper than many cities but still requires tens of thousands in down payment for a purchase. That’s beyond initial budgeting, but it shapes how frugal you want to be initially to save up.
In summary, a temporary move prioritizes flexibility and low commitment, potentially at a higher per-month cost, whereas a permanent move justifies upfront spending and commitments that pay off over time. Identify which category you fall into (or perhaps you’re in between, e.g. a 2-year stay – a mix of approaches). Adjust your budget tactics accordingly.
Conclusion
Budgeting for the first 3 months in Montreal is all about understanding the city’s cost landscape and your personal needs. We’ve covered housing, food, transport, utilities, insurance, and leisure in detail, and looked at how those might play out for different individuals and families. Let’s recap a few key takeaways and final tips:
Montréal is relatively affordable by North American standards, but costs can still strain a newcomer. Plan for around $2,500+ per month for a single (more if you want a comfortable cushion) and $4,000+ for a small family, adjusting for your lifestyle. Students and frugal singles can survive on less (~$1,500/month with roommates and tight budgeting), while those with cars or upscale tastes will need more income.
Cover your essentials first: Ensure you have housing sorted out (ideally with rent not more than one-third of your income if possible), know how you’ll feed yourself (find the nearest affordable grocery), and get your transit or vehicle needs settled. Also handle health insurance immediately due to those waiting periods.
Use resources available to newcomers: Montreal has many immigrant support services. There are welcome centers that help with finding housing, registering for government benefits, even financial planning workshops. Universities have international student offices that can advise on budgeting and part-time jobs. And for low-income newcomers (including refugees), food banks, community kitchens, and charities can fill gaps – there’s no shame in using these as you get on your feet.
Track your spending: In these first 3 months, keep a simple spreadsheet or app log of what you spend. It will help you identify if you’re going over-budget in certain areas so you can adjust. Montreal has temptations (that daily $5 latte, the artisan shop in Old Port, etc.), and little extras can snowball. By tracking, you stay aware. If you blow the budget, at least you’ll know where the money went and can course-correct.
Give yourself some enjoyment: Budgeting isn’t about deprivation, it’s about balance. Be sure to include a bit of fun money so you can enjoy Montreal’s culture – maybe a weekend pastry from a boulangerie or a ticket to the biodôme. These small rewards keep you motivated and happy during what can be a challenging adjustment period.
Adjust after 3 months: Finally, remember that your budget is not static. After three months, you’ll have a clearer idea of your real expenses in Montreal. You might find you overestimated some costs (perhaps you’re spending only $250 on groceries instead of $350) or underestimated others (maybe transit costs more if you’re taking regional trains). Use that information to refine your ongoing budget. Also, some costs drop off after initial months (setup costs are done) while others might rise later (if introductory offers on services end, etc.). Always revisit your plan.
Moving to a new city, especially one as lively and diverse as Montreal, is an adventure. With careful financial planning, you can enjoy your first months without financial stress and set the stage for a successful long-term stay. Montréal’s relatively low cost of living, especially with strategies like shared housing and subsidized services, means that whether you’re a student, professional, parent, or newcomer under refuge, you can make ends meet and thrive.
Bienvenue à Montréal – enjoy the city while keeping your budget on track! With the information and strategies outlined in this guide, you’ll be well-prepared to navigate the costs of your new Montreal life in those critical first 90 days and beyond.
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