Cost of living in Francophone communities, in VND

The cost of living varies a lot between Canadian cities. Most Francophone communities outside Quebec are mid-sized cities and small towns, where rent is often lower than in large cities but a car may be needed. This article summarizes IRCC's official figures and how to build your own budget.

Exchange rate used

CAD 1 ≈ VND 18,600, based on Vietcombank's CAD selling rate on October 19, 2026 (VND 18,624). Rates change daily; the VND figures are only a guide.

Housing: the biggest cost

According to IRCC:

• most Canadians spend 35% to 50% of their income on housing and utilities (heat, electricity, water, phone);
• renting a room usually costs at least CAD 350 a month (about VND 6.5 million);
• a larger apartment or a large house can cost CAD 2,000 a month or more (about VND 37 million);
• rent is usually cheaper outside large cities.

Other costs

• Household expenses (home, heating, food, clothing, health insurance, transportation) can take up to half your take-home pay.
• Clothing can be under 10% of take-home pay if you shop carefully; second-hand stores sell clothes and furniture cheaply.
• Alcohol and cigarettes are expensive because they are heavily taxed.
• In small communities, a car is almost a necessity: add the purchase, insurance, fuel and winter tires.
• Some provinces don't cover newcomers for the first 3 months: you may need private insurance.

Sample budget

Money you bring

• If you bring more than CAD 10,000 in cash or monetary instruments, you must declare it to Canadian border officers; not declaring can lead to a fine and seizure.
• IRCC suggests checking your home country's rules on how much money you can take out.

Note Ask a newcomer services organization where you plan to live about real rents. Canada Mortgage and Housing Corporation (CMHC) also has housing cost information by city.