Monthly Cost of Living in Northwest Territories — Full 2026 Budget Breakdown

Quick answer

A single adult in Northwest Territories typically needs about CA$4,136/month, with rent of CA$1,800 (1BR) as the largest single expense. A family with kids runs closer to CA$7,033/mo.

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Total / month
CA$4,136
Rent (1BR)
CA$1,800
Rent (2BR)
CA$2,200
Cost index
122
What this means in real life

In Northwest Territories, the swing factor is rent. Yellowknife pulls the averages up; smaller cities like Hay River often run 15–30% cheaper. Groceries, utilities, and transport are far more predictable — what changes a budget most is the apartment.

Cheap vs expensive areas in Northwest Territories

Most expensive
Yellowknife

Prime neighborhoods push 1BR rent to around CA$2,430/mo. Premium grocery prices, paid parking, and higher dining costs all compound.

More affordable
Hay River

Smaller cities and suburbs typically run a 1BR around CA$1,350/mo — 25–40% below the metro centre, with cheaper groceries and shorter commutes.

Cost breakdown — at a glance

Housing (rent + insurance)
CA$1,800
44% of budget
Transportation
CA$586
14% of budget
Groceries
CA$512
12% of budget
Utilities & internet
CA$238
6% of budget
Healthcare
CA$390
9% of budget
Entertainment & dining
CA$268
6% of budget
Misc & personal
CA$342
8% of budget

Monthly budget by household

Typical totals in Northwest Territories for a single adult, a couple, and a family with kids.

Single adult
CA$4,136/mo

1-bedroom, modest urban lifestyle.

Couple, no kids
CA$5,723/mo

2-bedroom, shared groceries and transport.

Family (2 adults + kids)
CA$7,033/mo

2-bedroom, childcare, more food and healthcare.

Monthly budget — full table

Housing (rent + insurance)
CA$1,800
44%
Transportation
CA$586
14%
Groceries
CA$512
12%
Utilities & internet
CA$238
6%
Healthcare
CA$390
9%
Entertainment & dining
CA$268
6%
Misc & personal
CA$342
8%

Visual breakdown

Housing (rent + insurance)CA$1,800
TransportationCA$586
GroceriesCA$512
Utilities & internetCA$238
HealthcareCA$390
Entertainment & diningCA$268
Misc & personalCA$342
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Salary needed to live here

Rule of thumb: you want take-home pay of at least CA$4,963/mo to live comfortably — roughly CA$79,000/year gross.

Compare with neighbors

Common questions

These estimates are approximate and may vary by city, taxes, rent, family size, and personal spending. Use them as a starting point, not a substitute for personalised financial or tax advice.