Are you planning to study in Canada? One of the most important steps is understanding how much it really costs. Canada is known for its world-class universities and welcoming atmosphere, but studying abroad is a financial investment that requires planning.
This guide breaks down tuition fees, living expenses, scholarships and part-time work opportunities for international students in Canada for the academic year 2025–2026. With the right budgeting, your study abroad journey can be rewarding and stress-free.
Tuition Fees for International Students in Canada
Tuition costs in Canada vary by university, program and province. On average, international students pay CAD $18,000 – $40,000 per year at the undergraduate level, while postgraduate fees range from CAD $12,000 – $30,000 per year.
Undergraduate Tuition Fees (per year)
| Program | Average Tuition (CAD) |
| Arts & Humanities | $18,000 – $25,000 |
| Business & Management | $22,000 – $35,000 |
| Engineering | $28,000 – $40,000 |
Postgraduate Tuition Fees (per year)
| Program | Average Tuition (CAD) |
| Master’s (General) | $12,000 – $30,000 |
| MBA | $30,000 – $60,000 |
| Science & Engineering | $18,000 – $30,000 |
| Social Sciences | $15,000 – $25,000 |
Other Mandatory Fees
- Application Fee: CAD $100 – $250 (one-time, depending on university)
- Student Services Fee: CAD $500 – $1,000 annually (covers campus facilities, gyms, libraries, etc.)
- Health Insurance: CAD $600 – $1,000 annually (mandatory for international students)
Tuition fees are usually higher at top-ranked universities (Toronto, UBC, McGill) and professional programs like MBA or Medicine.
Living Costs in Canada for Students
Living expenses vary greatly depending on the city. Toronto and Vancouver are the most expensive, while cities like Ottawa, Quebec or Halifax are more affordable. On average, international students should budget CAD $12,000 – $18,000 per year for living costs.
Accommodation Costs (per year)
- On-campus housing: CAD $6,000 – $12,000
- Off-campus apartment: CAD $8,000 – $15,000
- Homestay (with meals): CAD $9,000 – $14,000
Food & Groceries
- Average cost: CAD $250 – $400 per month (CAD $3,000 – $5,000 per year)
- Eating at restaurants: CAD $15 – $25 per meal
Transportation
- Monthly student transport pass: CAD $80 – $150
- Most cities offer student discounts via local passes.
- Cycling and walking are also popular in university towns.
Books & Supplies
- CAD $800 – $1,500 annually (science & engineering programs may cost more).
Miscellaneous Expenses
- Entertainment, shopping, and leisure: CAD $2,000 – $4,000 annually.
City-Wise Cost of Living in Canada (2025)
| City | Average Monthly Cost (CAD) | Highlights |
| Toronto | $1,500 – $2,500 | Canada’s financial hub, highest rent costs |
| Vancouver | $1,500 – $2,400 | Scenic coastal city, expensive housing |
| Montreal | $1,200 – $1,800 | Affordable rent, vibrant student culture |
| Ottawa | $1,100 – $1,600 | Cheaper housing, strong student community |
| Halifax | $1,000 – $1,400 | Budget-friendly lifestyle near the coast |
Tip: Sharing an apartment with roommates can significantly lower rent and utility costs.
Scholarships and Financial Aid in Canada
Canada offers numerous scholarships to help international students manage tuition and living costs.
- Government Scholarships: e.g., Vanier Canada Graduate Scholarships, Canada Graduate Scholarships.
- University-Specific Scholarships: Offered by institutions like U of T, UBC and McGill for academic excellence.
- Private/External Scholarships: Funded by organizations and foundations for eligible international students.
Apply early! Many scholarships close months before the intake begins.
Work Opportunities for International Students
International students in Canada are allowed to:
- Work part-time: Up to 20 hours/week during semesters.
- Work full-time: During holidays and scheduled breaks.
- Average pay: CAD $12 – $20 per hour, depending on the job and city.
These earnings can help cover living expenses, especially groceries and transport.
Budgeting Tips for Students
- Create a budget: Track tuition, rent, food and leisure.
- Use student discounts: On transport, restaurants, and entertainment.
- Cook at home: Saves hundreds of dollars monthly compared to eating out.
- Apply for scholarships: Even small awards can ease financial stress.
- Share accommodation: Splitting rent/utilities reduces costs significantly.
Conclusion
Studying in Canada is a life changing opportunity, but understanding the true cost of tuition and living expenses is essential for success. On average, international students spend CAD $30,000 – $50,000 per year combining tuition and living costs. With scholarships, part-time jobs and smart budgeting, Canada offers both high-quality education and great value compared to other top study destinations. Start planning early, explore funding opportunities and create a budget that ensures a smooth academic journey in 2025–2026.
Read related blogs:
- Upcoming Intakes in Canada 2025–2026
- Best Places to Live in Canada for International Students
- Cost of Living in Canada for Students
- Scholarships in Canada for International Students
- Top 10 Universities in Canada
Frequently Asked Questions
1. How much does it cost to study in Canada in 2025 for international students?
On average, tuition fees range from CAD $18,000 – $40,000 per year for undergraduates, plus CAD $12,000 – $18,000 per year for living costs.
2. Which city in Canada is cheapest for international students?
Halifax and Ottawa are among the most affordable, with monthly living costs between CAD $1,000 – $1,400.
3. Is Canada more expensive than the UK or USA for students?
Canada is generally more affordable than the USA and similar or slightly cheaper than the UK, especially for tuition fees.
4. Can international students work in Canada to cover expenses?
Yes, students can work up to 20 hours/week during terms and full-time in holidays, earning CAD $12–$20/hour.
5. Are there scholarships for international students in Canada?
Yes, Canadian government, universities, and private organizations offer scholarships to international students based on merit or need.
6. How much is accommodation for students in Canada?
On-campus housing costs CAD $6,000 – $12,000 annually, while private rentals can cost CAD $8,000 – $15,000 depending on location.
7. How much does an MBA cost in Canada for international students?
MBA programs in Canada cost between CAD $30,000 – $60,000 per year, depending on the university and specialization.
8. Which Canadian universities are cheapest for international students?
Universities such as Memorial University of Newfoundland, University of Manitoba, and Brandon University are considered budget-friendly, with tuition starting from around CAD $12,000 annually.
9. What is the monthly living cost in Canada for students?
On average, students spend CAD $1,000 – $1,800 per month, covering accommodation, food, transport, and other essentials.
10. Is health insurance mandatory for international students in Canada?
Yes, health insurance is compulsory and costs between CAD $600 – $1,000 per year, either through provincial plans or university-arranged coverage.
11. Can international students study in Canada for free?
While tuition-free study isn’t common, students can reduce costs significantly by securing scholarships, research assistantships, or external funding.
12. Which province in Canada is cheapest to study in?
Provinces like Newfoundland and Labrador, Manitoba, and Quebec are known for lower tuition fees and affordable living costs.
13. Do international students pay more tuition than Canadian students?
Yes, international students generally pay 2–3 times higher tuition fees compared to domestic students.
14. How much does it cost to live in Toronto as a student?
Toronto is one of the most expensive cities, with student living costs ranging from CAD $1,500 – $2,500 per month.
15. Is Canada worth the cost for international students?
Yes, Canada offers high-quality education, post-graduation work permits, and pathways to permanent residency, making it a valuable investment despite higher costs.
16. What are the hidden costs of studying in Canada?
Students should budget for application fees (CAD $100–$250), student services (CAD $500–$1,000), textbooks (CAD $800–$1,500), and personal expenses (CAD $2,000–$4,000 annually).
17. Can I cover my expenses fully by working part-time in Canada?
Part-time work (earning CAD $12–$20/hour) can help with living costs like food and transport, but it usually won’t cover full tuition and accommodation.
18. Do Canadian universities offer installment payment options for tuition?
Yes, many universities allow semester-based or monthly tuition payments, making it easier for international students to manage finances.
19. How much money should I show for a Canadian student visa in 2025?
As per IRCC guidelines, students must show proof of tuition plus at least CAD $10,000 for living expenses per year (more if studying in Quebec).
20. Is Canada cheaper than Australia for international students?
Yes, on average Canada is slightly cheaper than Australia in terms of tuition fees, but living costs can be comparable depending on the city.