Can you live in Montréal on $20 an hour?
Yes, but it is tight. On $20 an hour, 40 hours a week, you would have about $210 a month left after basic costs living alone in a 1 bedroom in Montréal.
Rent is CMHC's average for all tenants, including people who moved in years ago. New leases usually cost more, so if you are moving now your rent may be higher.
At $20 an hour for 40 hours a week, one adult takes home about $2,820 a month after tax, CPP, EI and benefits, against basic costs of about $2,612 for a 1 bedroom rented alone. To cover basic costs at $20 an hour, you would need to work about 36.5 hours a week, and about 48 hours a week to live comfortably. $20 an hour is $3.40 more than Quebec's minimum wage of $16.60.
Your budget in Montréal
Tight
- Take-home pay
- $2,820
- Basic costs
- $2,612
- Left over
- $208
Per month
| Cost | Per month |
|---|---|
| Rent1 | $1,131 |
| Electricity and heat (province average for renters)3 | $72 |
| Food2 | $683 |
| Getting around (STM)4 | $110 |
| Phone, clothes and other basics2 | $616 |
| Basic costs | $2,612 |
Take-home pay
| Pay before tax | $3,467 |
|---|---|
| Income tax78 | −$443 |
| QPP, EI and QPIP | −$260 |
| Groceries and Essentials Benefit10 | +$57 |
| Take-home pay | $2,820 |
The Canada Workers Benefit is not included: Quebec sets its own amounts, which we have not been able to confirm. People on low pay may get more than shown.
Pay you need in Montréal
- To cover basic costs
- $18.22 an hour
- To live comfortably
- $23.92 an hour
- Local living wage6
- $41,585 a year after tax
At 40 hours a week. Comfortable means about a fifth of take-home pay is left after basic costs, for savings and surprises. IRIS sets this yearly after-tax income for living alone in Montréal (2026). Your take-home pay and benefits come to $33,845 a year.
How Montréal compares
Hourly pay for a comfortable budget: living alone in a 1 bedroom, 40 hours a week, with a transit pass. Lowest first, with basic costs a month.
- SherbrookeQC$20.97$2,350 a month
- Saint JohnNB$22.49$2,520 a month
- CharlottetownPE$22.72$2,510 a month
- WindsorON$23.17$2,640 a month
- Québec CityQC$23.40$2,570 a month
- St. John'sNL$23.46$2,600 a month
- AbbotsfordBC$23.70$2,710 a month
- MontréalQC$23.92$2,610 a month
- MonctonNB$24.42$2,690 a month
- ReginaSK$24.65$2,740 a month
- FrederictonNB$25.05$2,750 a month
- SaskatoonSK$25.08$2,770 a month
- LondonON$25.09$2,810 a month
- WinnipegMB$25.14$2,730 a month
- EdmontonAB$25.35$2,860 a month
- HamiltonON$25.52$2,850 a month
- KingstonON$26.13$2,910 a month
- GatineauQC$26.41$2,830 a month
- Kitchener-WaterlooON$26.85$2,980 a month
- KelownaBC$27.32$3,050 a month
- OshawaON$27.64$3,050 a month
- VictoriaBC$27.66$3,080 a month
- OttawaON$28.02$3,090 a month
- CalgaryAB$28.94$3,190 a month
- TorontoON$29.58$3,220 a month
- HalifaxNS$29.71$3,050 a month
- VancouverBC$30.21$3,310 a month
On $20 an hour in Montréal, by household
- Living aloneYes, but tight. About $210 a month left, renting a 1 bedroom.
- Sharing with a roommateYes. About $700 a month left, renting a 2 bedroom.
- Single parent, 1 childYes, but tight. About $50 a month left, renting a 2 bedroom. Before- and after-school care not included.
- Couple, 2 childrenYes. About $1,560 a month left, renting a 3 bedroom, counting $210 for child care. Before- and after-school care not included.
More about Montréal
How the checker works
- Take-home pay: your pay for 52 weeks, minus 2026 federal and provincial income tax, CPP or QPP, EI and, in Quebec, QPIP. In Ontario it includes the LIFT tax credit for low incomes. It adds the Canada Child Benefit, the Groceries and Essentials Benefit and the Canada Workers Benefit. The Canada Workers Benefit is left out in Quebec and Alberta, which set their own amounts, and its disability supplement and the extra amount for a couple's second earner are not included.
- Not included in take-home pay: provincial benefits and credits (such as the Ontario Trillium Benefit, Ontario Child Benefit, B.C. Family Benefit, Alberta Child and Family Benefit, and Quebec's solidarity tax credit and work premium), other provinces' low-income tax reductions, RRSP savings, union dues and other income. Many people on low pay get some of these, so their real budget is often a little better than shown.
- Rent: CMHC's average rent for your home size, October 2025. Roommates split it in two. It includes long-time tenants, so new leases usually cost more. Where CMHC did not publish a 3 bedroom rent, the 2 bedroom average is used and the result says so.
- Electricity and heat: Statistics Canada's 2023 average for your province, adjusted to what renters spend. It is the same for every home size, so a large home may cost more.
- Food, phone, clothes and other basics: Statistics Canada's Market Basket Measure for 2025, the cost of a modest standard of living used for Canada's poverty line, sized to your household.
- Getting around: the local adult monthly transit pass for each adult, or the cost of running one used compact car from the same Statistics Canada basket.
- Child care: for the 3-year-old, the full-time licensed fee for a child under 6 in your city, from the Canadian Centre for Policy Alternatives' 2026 survey (Quebec's $9.65 a day reduced rate in Quebec), at 21.75 weekdays a month. Many families wait for a space at this fee. Before- and after-school care for the 7-year-old is not included. Enter your own monthly cost to replace the estimate. Where no fee is published, we ask for yours before giving an answer.
- The answer: "Not enough" if costs are higher than take-home pay. "Tight" if less than a fifth of take-home pay is left. "Comfortable" if a fifth or more is left.
Not included: debt payments, tuition and savings goals. This is an estimate to help you plan, not tax or financial advice.
Common questions
How many hours a week do you need to work at $20 an hour in Montréal?
To cover basic costs at $20 an hour, you would need to work about 36.5 hours a week, and about 48 hours a week to live comfortably. That is for one adult renting a 1 bedroom alone.
What is the living wage in Montréal?
IRIS does not publish an hourly figure. It says one person needs $41,585 a year after tax to live in Montréal (2026).
How much do you need to earn to live comfortably in Montréal?
About $23.92 an hour, or $49,754 a year, for one adult renting a 1 bedroom alone and working 40 hours a week. That leaves about a fifth of take-home pay after basic costs.
What is the average rent in Montréal?
$1,131 a month for a 1 bedroom and $1,346 for a 2 bedroom, according to CMHC's October 2025 Rental Market Survey of purpose-built rentals.
Can you live in Montréal on minimum wage?
No. On $16.60 an hour, 40 hours a week, you would be about $190 a month short of basic costs living alone in a 1 bedroom in Montréal. Quebec's minimum wage is $16.60 an hour.
Sources for Montréal
- RentCMHC Rental Market Survey, via Statistics Canada: Average rents for areas with a population of 10,000 and over (table 34-10-0133-01)
- Food, car, phone, clothes and other basicsStatistics Canada: Market Basket Measure thresholds by region and component, 2023 base (table 11-10-0066-01)
- Electricity and heatStatistics Canada: Survey of Household Spending 2023: household spending by province (table 11-10-0222-01) and by tenure (table 11-10-0225-01)
- Transit passSTM: Monthly All Modes A pass, $110.00, in effect since July 1, 2026
- Child care for a child under 6Government of Quebec: Daily rate for subsidized child care ($9.65 a day in 2026)
- Living wageIRIS (Institut de recherche et d'informations socioéconomiques): Living wage for Montréal, 2026
- Income tax, CPP and EICanada Revenue Agency: T4127 Payroll Deductions Formulas, 122nd edition (January 1, 2026) and 123rd edition (July 1, 2026)
- Quebec income tax, QPP and QPIPRevenu Québec: Principal changes for 2026 and formulas for source deductions (TP-1015.F)
- Canada Child BenefitCanada Revenue Agency: Canada Child Benefit: how much you can get (July 2026 to June 2027)
- Groceries and Essentials BenefitCanada Revenue Agency: Canada Groceries and Essentials Benefit (formerly GST/HST credit): how much you can get