Cost of Living in Milton vs GTA Neighbouring Cities: Is Milton More Affordable?
Milton, Ontario, is often praised as a family-friendly alternative to the GTA’s more established (and typically pricier) cities. But does living in Milton really mean a more affordable lifestyle in 2025, especially as prices climb across Southern Ontario?
Here’s a detailed, side-by-side look at how Milton’s cost of living shapes up against neighbouring Mississauga, Burlington, and Oakville, for everything from housing and transit to groceries and childcare.
Housing Costs: Milton’s Biggest Advantage
When it comes to housing, Milton’s key advantage is value. The average home price in Milton ranged from $964,000 to just over $1.04 million in 2025, depending on market fluctuations and the type of property. By comparison:
- Mississauga’s average home price sits near $1.1 million, depending on the specific neighbourhood and property type.
- Burlington’s average home price is around $1.2 million, maintaining steady growth compared to other GTA cities.
- Oakville is the most expensive among these markets, with average home prices between $1.8 million and $2.1 million.
Renters also find better deals in Milton. Average condo rents are typically $300–$500 lower per month compared to Oakville.
Property taxes in Milton are among the weakest in the Halton Region; in 2025, the average residential tax bill on a $600,000 property was about $4,952.
Insurance costs are comparable to those in the GTA, but the larger, newer homes in Milton attract many families seeking more space and modern amenities. Flowers Team observes, “We’ve seen families move here for larger homes at better value; they want space and they get it, often for the same price as a smaller place elsewhere.”
Utilities, Groceries, and Daily Living
Day-to-day living costs in Milton are generally comparable to or slightly lower than the average in the GTA. Expect to pay around $120 to $180 per month for electricity, plus $80 to $120 for water, and $100 to $200 for gas, depending on the season and the size of your home. Internet and cable services typically cost between $80 and $150 per month.
Groceries are consistent across GTA cities; a family of four in Milton spends about $800–$1,200 a month, with
dining out being slightly cheaper than in larger cities. What sets Milton apart is the abundance of free or low-cost local amenities, such as community trails, splash pads, and recreation centres, that offer savings on fitness and entertainment for families.
Commuting and Transportation Costs
Milton’s distance from Toronto means cheaper housing but possibly higher daily travel costs for commuters. A Milton Transit monthly pass costs approximately $78 for adults, while a GO Train pass to Toronto can range from $250 to $300 per month.
Car owners spend about $400–$600 on fuel and insurance, similar to neighbouring cities. While Mississauga and Oakville are closer to Toronto (which might save commuters time and transit fare), Milton residents enjoy less congestion and easier parking.
Education, Childcare, and Lifestyle Expenses
Daycare and tuition costs are often lower in Milton than in larger GTA centres, with many private daycares ranging from $1,200 to $1,800 per month. Recreation and sports fees are moderate, and the town’s family-friendly approach ensures that children have access to excellent parks, nature areas, and affordable sports leagues.
Is Milton Still the Best Value in the West GTA?
Milton has long been the go-to destination for families wanting to balance budget and lifestyle. While affordability gaps are narrowing (high demand is driving up local prices), the town remains cost-competitive compared to Burlington, Oakville, and Mississauga, especially for buyers interested in new or larger properties.
Forecasts for 2025–2026 suggest that, while the entire GTA may experience some price increases, Milton will continue to offer substantial value, particularly for families and first-time buyers.
Wondering which Milton neighbourhood gives you the best blend of price, schools, and lifestyle? Ask Flowers Team. Our local insight will help you find a community that fits your budget and your family’s needs.
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