Thinking about moving to Calgary? 🏔️ You’re not the only one. With its affordable housing, mountain views, and strong job market, Calgary continues to attract families, professionals, and remote workers from across Canada.
But before you pack the moving truck, let’s talk about the real cost of living in Calgary in 2025 — from housing and groceries to taxes, transportation, and a few hidden expenses most newcomers overlook.
1. Housing: Still Affordable Compared to Other Major Cities 🏡
Calgary’s housing market has cooled slightly since the rapid growth of 2023-2024, but affordability remains one of the city’s biggest draws.
Average home price (2025): Around $600,000
Townhomes and duplexes: $450,000–$550,000
Condos: $300,000–$400,000
Acreage or luxury properties: $800,000–$1.2M+
If you’re renting:
1-bedroom apartment: $1,600–$1,800/month
2-bedroom condo or suite: $1,900–$2,200/month
Single-family home: $2,400–$3,000/month
✨ Pro tip: Many newcomers find better value in surrounding communities like Airdrie, Cochrane, and Okotoks — all within commuting distance to Calgary.
2. Utilities: Blame (and Thank) the Weather 💡
Utilities are where you’ll notice the Alberta climate. Winters can stretch from October through April, which means higher heating bills.
Electricity + Gas + Water: $350–$450/month
Internet + Cell Service: $120–$180/month
Homes with older furnaces or poor insulation will see higher costs, especially in rural areas that rely on propane.
✨ Pro tip: Many homeowners switch to smart thermostats and energy-efficient appliances to keep bills lower year-round.
3. Groceries: Manageable but Rising 🛒
Like most Canadian cities, grocery prices have increased since 2020. Expect to spend:
$400–$700/month per person (depending on diet and household size)
Families of four often spend $1,000–$1,400/month
Local farmers’ markets and discount retailers like No Frills and Costco can help offset rising costs, while boutique grocers and specialty stores trend higher.
✨ Pro tip: Shop seasonally and take advantage of Calgary’s thriving farmers’ markets — you’ll save money and support local growers.
4. Transportation: A Driving City 🚗
Calgary is known for its space — and that means driving is the norm. While the C-Train and bus system are reliable within the city core, many residents still prefer to drive.
Average monthly transportation costs:
Gas: $150–$250
Insurance: $100–$150
Maintenance/registration: $50/month (averaged annually)
✨ Pro tip: If you work downtown, consider communities along the LRT line or near Deerfoot Trail for easier commutes.
5. Taxes: Alberta’s Secret Advantage 💰
One of Calgary’s biggest perks? No Provincial Sales Tax (PST).
That means:
You pay only 5% GST on most goods and services (vs. 12–15% in other provinces).
Income tax remains among the lowest in Canada.
✨ Pro tip: Those moving from BC or Ontario often save thousands per year on sales and income taxes — especially homeowners and small business owners.
6. Childcare, Health & Extras 👨👩👧
Daycare: $850–$1,200/month (many families qualify for provincial subsidies)
Healthcare: Covered under Alberta Health Care (AHCIP), with some private insurance recommended for dental and prescriptions.
Entertainment & Dining: $200–$500/month, depending on lifestyle.
✨ Calgary’s dining scene continues to grow — think local breweries, rooftop patios, and farm-to-table dining at reasonable prices.
7. What Makes Calgary’s Cost of Living Unique 🏔️
✅ No PST = More savings
✅ Affordable housing compared to major metros
✅ Strong job market in tech, trades, and energy
✅ Outdoor lifestyle — free recreation year-round
Calgary is one of the few cities where you can earn a solid income, afford a detached home, and still have money left for mountain adventures on weekends.
FAQs: Living in Calgary in 2025
Q: Is Calgary more affordable than Vancouver or Toronto?
Absolutely — the same income goes much further here thanks to no PST and lower housing costs.
Q: What’s the average salary needed to live comfortably?
A household income of $90,000–$120,000 supports a comfortable middle-class lifestyle.
Q: Are groceries and gas cheaper in Alberta?
Generally yes — Alberta’s lower taxes and nearby agriculture keep prices moderate compared to BC or Ontario.
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Conclusion
Calgary continues to be one of the most affordable, opportunity-rich cities in Canada. With reasonable housing, low taxes, and unbeatable access to nature, it’s no wonder so many Canadians are heading west.
✨ Ready to plan your move?
DM me “CALGARYLIFE” for my free 2025 Calgary Cost of Living Breakdown PDF — a detailed guide to housing, utilities, groceries, taxes, and insider relocation tips for new Calgarians.
About Kristen Edmunds
Kristen Edmunds is a Calgary-area REALTOR® and Associate Broker with KIC Realty, specializing in acreages, luxury homes, and smart buy/sell strategies. With expertise in rural properties (water wells, septic, equestrian facilities) and a client-obsessed approach, Kristen helps buyers and sellers achieve their real estate goals with confidence and ease.
