Is $40,000 a good salary in Ottawa, Ontario?
$40,000 is $24,500 less than the average yearly salary of $64,500 in Ottawa. A salary of $40,000 per year means that you would be taking home about $32,284 per year after taxes, or $2,690 per month to pay for things like housing, transportation, groceries, and entertainment. The average household income in Ottawa is $126,700.
Updated: Mar, 2023
Average Cost of Living per Month in Ottawa
The average cost of living in Ottawa is $3,328/month for a single person who rents.This average is based on many factors including the cost of housing, transportation, groceries, and entertainment.
Average cost of living
$3,328/month
Monthly net income of $40,000/year
$2,690/month
Average total income in 2020
$64,500
Average total household income in 2020
$126,700
Average Salary in Ottawa
The average salary in Ottawa is $64,500, which is 18.5% higher than the Canadian average salary of $54,450. A person making $40,000 a year in Ottawa makes 38% less than the average working person in Ottawa and will take home about $32,284.
Cost of Living Calculator
Below are the details used to generate the average Cost of Living for Ottawa. Change the inputs to match your lifestyle and see how it compares to the average cost of living and a salary of $40,000.
Renter
Homeowner
Housing
The average monthly cost of rental housing in Ottawa is $1,443.
Your cost: $
Avg.
$1,443
$0
$4,000
Renter
Homeowner
Housing
The average monthly cost of owned housing in Ottawa is $1,783.
Your cost: $
Avg.
$1,783
$0
$4,000
Transit
Driver
Transportation
The average monthly spend on public transit in Ottawa is $286.
Your cost: $
Avg.
$286
$0
$1,000
Transit
Driver
Transportation
The average monthly spend for a driver in Ottawa is $593.
Your cost: $
Avg.
$593
$0
$1,000
Groceries
The average person spends $424 on groceries per month in Ottawa.
Your cost: $
Avg.
$424
$0
$1,500
Utilities
The average monthly cost of utilities in Ottawa is $171.
Your cost: $
Avg.
$171
$0
$600
Leisure & Entertainment
The average person in Ottawa spends $181 on leisure & entertainment per month.
Your cost: $
Avg.
$181
$0
$1,000
Clothing
The average person in Ottawa spends $43 on clothing per month.
Your cost: $
Avg.
$43
$0
$500
Restaurants
The average person in Ottawa spends $323 on restaurants per month.
Your cost: $
Avg.
$323
$0
$1,000
Other
The average person in Ottawa spends $150 on miscellaneous goods and services per month.
Your cost: $
Avg.
$150
$0
$2,000
General Disclaimer: This tool is designed for approximation purposes only and should not be used to replace a legal or accounting authority. To simplify the process, some variables are assumed to calculate the numbers included on this page. The results of this calculator should not be relied upon to determine career or tax decisions.
Your Results
Disclaimer: These numbers estimate what it costs to live in Ottawa based on Numbeo data. People can live in the city for much less, while others may need much more to fund their lifestyle.
Your cost of living
$3,328/month
Monthly net income of $40,000/year
$2,690/month
Jobs in Ottawa
GoodLife Fitness
263 Jobs
Ottawa, ON
Yesterday
Paladin Security
166 Jobs
Ottawa, ON
8 days ago
$19.00 / hour
GoodLife Fitness
263 Jobs
Ottawa, ON
Yesterday
Paladin Security
166 Jobs
Ottawa, ON
8 days ago
$19.00 / hour
Browse more salaries in Ottawa
Most affordable cities in Ontario
Avg. Salary
$71,700
Avg. Monthly Net pay
$4,493
Avg. Cost of Living
$3,114
Affordability Index
144.28%
Avg. Salary
$68,900
Avg. Monthly Net pay
$4,329
Avg. Cost of Living
$3,096
Affordability Index
139.82%
Avg. Salary
$81,800
Avg. Monthly Net pay
$5,073
Avg. Cost of Living
$3,782
Affordability Index
134.12%
Avg. Salary
$63,000
Avg. Monthly Net pay
$4,001
Avg. Cost of Living
$2,993
Affordability Index
133.67%
Avg. Salary
$60,050
Avg. Monthly Net pay
$3,842
Avg. Cost of Living
$2,989
Affordability Index
128.55%
Avg. Salary
$61,300
Avg. Monthly Net pay
$3,909
Avg. Cost of Living
$3,046
Affordability Index
128.33%
Avg. Salary
$55,450
Avg. Monthly Net pay
$3,597
Avg. Cost of Living
$2,865
Affordability Index
125.54%
Avg. Salary
$62,050
Avg. Monthly Net pay
$3,950
Avg. Cost of Living
$3,151
Affordability Index
125.34%
Avg. Salary
$61,000
Avg. Monthly Net pay
$3,893
Avg. Cost of Living
$3,118
Affordability Index
124.85%
Avg. Salary
$59,950
Avg. Monthly Net pay
$3,837
Avg. Cost of Living
$3,118
Affordability Index
123.06%
11.
Ottawa, Ontario
Avg. Salary
$64,500
Avg. Monthly Net pay
$4,081
Avg. Cost of Living
$3,328
Affordability Index
122.63%
12.
Kenora, Ontario
Avg. Salary
$55,100
Avg. Monthly Net pay
$3,578
Avg. Cost of Living
$2,927
Affordability Index
122.24%
Avg. Salary
$57,100
Avg. Monthly Net pay
$3,685
Avg. Cost of Living
$3,079
Affordability Index
119.68%
14.
Cobourg, Ontario
Avg. Salary
$52,000
Avg. Monthly Net pay
$3,406
Avg. Cost of Living
$2,849
Affordability Index
119.55%
15.
Milton, Ontario
Avg. Salary
$60,900
Avg. Monthly Net pay
$3,888
Avg. Cost of Living
$3,255
Affordability Index
119.43%
Avg. Salary
$60,250
Avg. Monthly Net pay
$3,853
Avg. Cost of Living
$3,260
Affordability Index
118.19%
17.
Timmins, Ontario
Avg. Salary
$55,100
Avg. Monthly Net pay
$3,578
Avg. Cost of Living
$3,103
Affordability Index
115.31%
Avg. Salary
$53,400
Avg. Monthly Net pay
$3,487
Avg. Cost of Living
$3,065
Affordability Index
113.77%
Avg. Salary
$51,450
Avg. Monthly Net pay
$3,374
Avg. Cost of Living
$3,002
Affordability Index
112.4%
Avg. Salary
$53,550
Avg. Monthly Net pay
$3,495
Avg. Cost of Living
$3,118
Affordability Index
112.1%
21.
Dryden, Ontario
Avg. Salary
$52,850
Avg. Monthly Net pay
$3,455
Avg. Cost of Living
$3,118
Affordability Index
110.82%
Avg. Salary
$50,480
Avg. Monthly Net pay
$3,318
Avg. Cost of Living
$2,994
Affordability Index
110.81%
Avg. Salary
$49,680
Avg. Monthly Net pay
$3,271
Avg. Cost of Living
$2,965
Affordability Index
110.33%
24.
Ajax, Ontario
Avg. Salary
$54,300
Avg. Monthly Net pay
$3,535
Avg. Cost of Living
$3,205
Affordability Index
110.31%
25.
Sarnia, Ontario
Avg. Salary
$54,050
Avg. Monthly Net pay
$3,522
Avg. Cost of Living
$3,200
Affordability Index
110.06%
Avg. Salary
$49,720
Avg. Monthly Net pay
$3,274
Avg. Cost of Living
$2,987
Affordability Index
109.6%
Avg. Salary
$57,000
Avg. Monthly Net pay
$3,680
Avg. Cost of Living
$3,377
Affordability Index
108.96%
Avg. Salary
$49,400
Avg. Monthly Net pay
$3,255
Avg. Cost of Living
$3,001
Affordability Index
108.47%
Avg. Salary
$47,880
Avg. Monthly Net pay
$3,175
Avg. Cost of Living
$2,972
Affordability Index
106.82%
Avg. Salary
$52,900
Avg. Monthly Net pay
$3,458
Avg. Cost of Living
$3,242
Affordability Index
106.67%
Avg. Salary
$53,750
Avg. Monthly Net pay
$3,506
Avg. Cost of Living
$3,287
Affordability Index
106.66%
Avg. Salary
$49,520
Avg. Monthly Net pay
$3,262
Avg. Cost of Living
$3,063
Affordability Index
106.5%
Avg. Salary
$53,750
Avg. Monthly Net pay
$3,506
Avg. Cost of Living
$3,293
Affordability Index
106.46%
Avg. Salary
$49,720
Avg. Monthly Net pay
$3,274
Avg. Cost of Living
$3,098
Affordability Index
105.67%
Avg. Salary
$49,920
Avg. Monthly Net pay
$3,285
Avg. Cost of Living
$3,118
Affordability Index
105.37%
Avg. Salary
$49,560
Avg. Monthly Net pay
$3,264
Avg. Cost of Living
$3,101
Affordability Index
105.27%
Avg. Salary
$47,160
Avg. Monthly Net pay
$3,130
Avg. Cost of Living
$2,975
Affordability Index
105.23%
Avg. Salary
$49,160
Avg. Monthly Net pay
$3,241
Avg. Cost of Living
$3,081
Affordability Index
105.19%
39.
Guelph, Ontario
Avg. Salary
$55,200
Avg. Monthly Net pay
$3,583
Avg. Cost of Living
$3,429
Affordability Index
104.5%
Avg. Salary
$49,440
Avg. Monthly Net pay
$3,257
Avg. Cost of Living
$3,118
Affordability Index
104.47%
Avg. Salary
$47,160
Avg. Monthly Net pay
$3,130
Avg. Cost of Living
$2,997
Affordability Index
104.45%
42.
Thorold, Ontario
Avg. Salary
$46,000
Avg. Monthly Net pay
$3,059
Avg. Cost of Living
$2,940
Affordability Index
104.05%
Avg. Salary
$54,450
Avg. Monthly Net pay
$3,543
Avg. Cost of Living
$3,415
Affordability Index
103.76%
Avg. Salary
$51,000
Avg. Monthly Net pay
$3,348
Avg. Cost of Living
$3,271
Affordability Index
102.35%
45.
Oshawa, Ontario
Avg. Salary
$48,960
Avg. Monthly Net pay
$3,229
Avg. Cost of Living
$3,163
Affordability Index
102.08%
46.
Hearst, Ontario
Avg. Salary
$53,850
Avg. Monthly Net pay
$3,511
Avg. Cost of Living
$3,441
Affordability Index
102.04%
Avg. Salary
$46,960
Avg. Monthly Net pay
$3,118
Avg. Cost of Living
$3,065
Affordability Index
101.74%
Avg. Salary
$51,950
Avg. Monthly Net pay
$3,403
Avg. Cost of Living
$3,351
Affordability Index
101.56%
49.
Welland, Ontario
Avg. Salary
$44,440
Avg. Monthly Net pay
$2,963
Avg. Cost of Living
$2,929
Affordability Index
101.17%
Avg. Salary
$47,080
Avg. Monthly Net pay
$3,126
Avg. Cost of Living
$3,113
Affordability Index
100.4%
51.
London, Ontario
Avg. Salary
$50,440
Avg. Monthly Net pay
$3,315
Avg. Cost of Living
$3,309
Affordability Index
100.2%
52.
Toronto, Ontario
Avg. Salary
$62,050
Avg. Monthly Net pay
$3,950
Avg. Cost of Living
$3,967
Affordability Index
99.56%
53.
Windsor, Ontario
Avg. Salary
$45,400
Avg. Monthly Net pay
$3,022
Avg. Cost of Living
$3,054
Affordability Index
98.96%
Avg. Salary
$46,200
Avg. Monthly Net pay
$3,071
Avg. Cost of Living
$3,118
Affordability Index
98.51%
Avg. Salary
$44,840
Avg. Monthly Net pay
$2,988
Avg. Cost of Living
$3,055
Affordability Index
97.8%
Avg. Salary
$54,150
Avg. Monthly Net pay
$3,527
Avg. Cost of Living
$3,608
Affordability Index
97.76%
Avg. Salary
$47,560
Avg. Monthly Net pay
$3,155
Avg. Cost of Living
$3,243
Affordability Index
97.29%
Avg. Salary
$45,560
Avg. Monthly Net pay
$3,032
Avg. Cost of Living
$3,123
Affordability Index
97.09%
59.
Midland, Ontario
Avg. Salary
$45,160
Avg. Monthly Net pay
$3,008
Avg. Cost of Living
$3,108
Affordability Index
96.77%
60.
Markham, Ontario
Avg. Salary
$53,950
Avg. Monthly Net pay
$3,517
Avg. Cost of Living
$3,665
Affordability Index
95.95%
61.
Barrie, Ontario
Avg. Salary
$51,550
Avg. Monthly Net pay
$3,380
Avg. Cost of Living
$3,535
Affordability Index
95.61%
Avg. Salary
$41,280
Avg. Monthly Net pay
$2,769
Avg. Cost of Living
$2,920
Affordability Index
94.83%
Avg. Salary
$46,280
Avg. Monthly Net pay
$3,076
Avg. Cost of Living
$3,261
Affordability Index
94.34%
Avg. Salary
$44,080
Avg. Monthly Net pay
$2,941
Avg. Cost of Living
$3,125
Affordability Index
94.12%
Avg. Salary
$44,360
Avg. Monthly Net pay
$2,958
Avg. Cost of Living
$3,150
Affordability Index
93.92%
Avg. Salary
$42,400
Avg. Monthly Net pay
$2,838
Avg. Cost of Living
$3,118
Affordability Index
91.02%
Avg. Salary
$45,400
Avg. Monthly Net pay
$3,022
Avg. Cost of Living
$3,341
Affordability Index
90.46%
Avg. Salary
$39,120
Avg. Monthly Net pay
$2,636
Avg. Cost of Living
$3,080
Affordability Index
85.59%
69.
Orillia, Ontario
Avg. Salary
$45,480
Avg. Monthly Net pay
$3,027
Avg. Cost of Living
$3,627
Affordability Index
83.46%
The Affordability Index is based on a single, non-homeowner, who owns a car.
CareerBeacon obtains its data from 3rd party services and cannot verify its accuracy. The information contained on this page is intended to be used for informational purposes only and should not be used to replace legal authority. The information contained in the demographic reports should not be relied upon for determining career and/or relocation decisions.
CareerBeacon obtains its data from 3rd party services and cannot verify its accuracy. The information contained on this page is intended to be used for informational purposes only and should not be used to replace legal authority. The information contained in the demographic reports should not be relied upon for determining career and/or relocation decisions.
| Rank | City | Avg. Salary | Avg. Monthly Net pay | Avg. Cost of Living | Affordability Index |
|---|---|---|---|---|---|
| 1 | Aurora, Ontario | $71,700 | $4,493 | $3,114 | 144.28% |
| 2 | Burlington, Ontario | $68,900 | $4,329 | $3,096 | 139.82% |
| 3 | Oakville, Ontario | $81,800 | $5,073 | $3,782 | 134.12% |
| 4 | Whitby, Ontario | $63,000 | $4,001 | $2,993 | 133.67% |
| 5 | Pickering, Ontario | $60,050 | $3,842 | $2,989 | 128.55% |
| 6 | Deep River, Ontario | $61,300 | $3,909 | $3,046 | 128.33% |
| 7 | Greater Sudbury, Ontario | $55,450 | $3,597 | $2,865 | 125.54% |
| 8 | Vaughan, Ontario | $62,050 | $3,950 | $3,151 | 125.34% |
| 9 | Marathon, Ontario | $61,000 | $3,893 | $3,118 | 124.85% |
| 10 | East Gwillimbury, Ontario | $59,950 | $3,837 | $3,118 | 123.06% |
| 11 | Ottawa, Ontario | $64,500 | $4,081 | $3,328 | 122.63% |
| 12 | Kenora, Ontario | $55,100 | $3,578 | $2,927 | 122.24% |
| 13 | Richmond Hill, Ontario | $57,100 | $3,685 | $3,079 | 119.68% |
| 14 | Cobourg, Ontario | $52,000 | $3,406 | $2,849 | 119.55% |
| 15 | Milton, Ontario | $60,900 | $3,888 | $3,255 | 119.43% |
| 16 | Waterloo, Ontario | $60,250 | $3,853 | $3,260 | 118.19% |
| 17 | Timmins, Ontario | $55,100 | $3,578 | $3,103 | 115.31% |
| 18 | Innisfil, Ontario | $53,400 | $3,487 | $3,065 | 113.77% |
| 19 | Cambridge, Ontario | $51,450 | $3,374 | $3,002 | 112.4% |
| 20 | New Tecumseth, Ontario | $53,550 | $3,495 | $3,118 | 112.1% |
| 21 | Dryden, Ontario | $52,850 | $3,455 | $3,118 | 110.82% |
| 22 | Stratford, Ontario | $50,480 | $3,318 | $2,994 | 110.81% |
| 23 | Sault Ste. Marie, Ontario | $49,680 | $3,271 | $2,965 | 110.33% |
| 24 | Ajax, Ontario | $54,300 | $3,535 | $3,205 | 110.31% |
| 25 | Sarnia, Ontario | $54,050 | $3,522 | $3,200 | 110.06% |
| 26 | Timiskaming District, Ontario | $49,720 | $3,274 | $2,987 | 109.6% |
| 27 | Newmarket, Ontario | $57,000 | $3,680 | $3,377 | 108.96% |
| 28 | Woodstock, Ontario | $49,400 | $3,255 | $3,001 | 108.47% |
| 29 | Belleville, Ontario | $47,880 | $3,175 | $2,972 | 106.82% |
| 30 | Fort Frances, Ontario | $52,900 | $3,458 | $3,242 | 106.67% |
| 31 | Hamilton, Ontario | $53,750 | $3,506 | $3,287 | 106.66% |
| 32 | North Bay, Ontario | $49,520 | $3,262 | $3,063 | 106.5% |
| 33 | Kingston, Ontario | $53,750 | $3,506 | $3,293 | 106.46% |
| 34 | Kapuskasing, Ontario | $49,720 | $3,274 | $3,098 | 105.67% |
| 35 | Atikokan, Ontario | $49,920 | $3,285 | $3,118 | 105.37% |
| 36 | Arnprior, Ontario | $49,560 | $3,264 | $3,101 | 105.27% |
| 37 | Fort Erie, Ontario | $47,160 | $3,130 | $2,975 | 105.23% |
| 38 | Temiskaming Shores, Ontario | $49,160 | $3,241 | $3,081 | 105.19% |
| 39 | Guelph, Ontario | $55,200 | $3,583 | $3,429 | 104.5% |
| 40 | Goderich, Ontario | $49,440 | $3,257 | $3,118 | 104.47% |
| 41 | Brantford, Ontario | $47,160 | $3,130 | $2,997 | 104.45% |
| 42 | Thorold, Ontario | $46,000 | $3,059 | $2,940 | 104.05% |
| 43 | Orangeville, Ontario | $54,450 | $3,543 | $3,415 | 103.76% |
| 44 | Thunder Bay, Ontario | $51,000 | $3,348 | $3,271 | 102.35% |
| 45 | Oshawa, Ontario | $48,960 | $3,229 | $3,163 | 102.08% |
| 46 | Hearst, Ontario | $53,850 | $3,511 | $3,441 | 102.04% |
| 47 | Peterborough, Ontario | $46,960 | $3,118 | $3,065 | 101.74% |
| 48 | Kitchener, Ontario | $51,950 | $3,403 | $3,351 | 101.56% |
| 49 | Welland, Ontario | $44,440 | $2,963 | $2,929 | 101.17% |
| 50 | Tillsonburg, Ontario | $47,080 | $3,126 | $3,113 | 100.4% |
| 51 | London, Ontario | $50,440 | $3,315 | $3,309 | 100.2% |
| 52 | Toronto, Ontario | $62,050 | $3,950 | $3,967 | 99.56% |
| 53 | Windsor, Ontario | $45,400 | $3,022 | $3,054 | 98.96% |
| 54 | Brockville, Ontario | $46,200 | $3,071 | $3,118 | 98.51% |
| 55 | Niagara Falls, Ontario | $44,840 | $2,988 | $3,055 | 97.8% |
| 56 | Mississauga, Ontario | $54,150 | $3,527 | $3,608 | 97.76% |
| 57 | St. Catharines, Ontario | $47,560 | $3,155 | $3,243 | 97.29% |
| 58 | Port Colborne, Ontario | $45,560 | $3,032 | $3,123 | 97.09% |
| 59 | Midland, Ontario | $45,160 | $3,008 | $3,108 | 96.77% |
| 60 | Markham, Ontario | $53,950 | $3,517 | $3,665 | 95.95% |
| 61 | Barrie, Ontario | $51,550 | $3,380 | $3,535 | 95.61% |
| 62 | Cornwall, Ontario | $41,280 | $2,769 | $2,920 | 94.83% |
| 63 | St. Thomas, Ontario | $46,280 | $3,076 | $3,261 | 94.34% |
| 64 | Parry Sound, Ontario | $44,080 | $2,941 | $3,125 | 94.12% |
| 65 | Owen Sound, Ontario | $44,360 | $2,958 | $3,150 | 93.92% |
| 66 | Thessalon, Ontario | $42,400 | $2,838 | $3,118 | 91.02% |
| 67 | Brampton, Ontario | $45,400 | $3,022 | $3,341 | 90.46% |
| 68 | Elliot Lake, Ontario | $39,120 | $2,636 | $3,080 | 85.59% |
| 69 | Orillia, Ontario | $45,480 | $3,027 | $3,627 | 83.46% |
The Affordability Index is based on a single, non-homeowner, who owns a car.
CareerBeacon obtains its data from 3rd party services and cannot verify its accuracy. The information contained on this page is intended to be used for informational purposes only and should not be used to replace legal authority. The information contained in the demographic reports should not be relied upon for determining career and/or relocation decisions.
CareerBeacon obtains its data from 3rd party services and cannot verify its accuracy. The information contained on this page is intended to be used for informational purposes only and should not be used to replace legal authority. The information contained in the demographic reports should not be relied upon for determining career and/or relocation decisions.