Most Affordable Places to Live in Ontario

Ontario is known for its vibrant cities, rich history, and diverse economy. However, for many people, the high cost of living in major cities like Toronto and Ottawa can make homeownership and rental prices a challenge. Fortunately, Ontario is home to several affordable cities that offer lower housing costs, strong job markets, and excellent quality of life.

From the natural beauty of Thunder Bay and Sault Ste. Marie to the economic opportunities of Windsor, each of these cities provides an excellent alternative for individuals and families looking to enjoy an affordable yet fulfilling lifestyle. These locations offer great career prospects, lower property prices, and access to nature, making them attractive options for retirees, young professionals, students, and growing families.

In this guide, we explore the most affordable places to live in Ontario in 2025, analyzing their cost of living, real estate prices, job sectors, climate, and key attractions to help you find the perfect place to call home.

Affordable Places to Live in Ontario

Sault Ste. Marie

Sault Ste. Marie, also known as “The Soo,” is a city located along the St. Mary’s River in Northern Ontario. The city is known for its friendly community, low housing costs, and abundant outdoor recreational activities. It serves as a border city with direct access to Michigan, USA, offering easy cross-border shopping and business opportunities. With a lower cost of living compared to major cities in Ontario, Sault Ste. Marie is an excellent choice for retirees, nature lovers, and professionals looking for an affordable yet peaceful lifestyle. Below are the key details of Sault Ste. Marie: 

Thunder Bay

Thunder Bay is one of Ontario’s largest northern cities, located on the shores of Lake Superior. It is famous for its natural beauty, outdoor recreation, and affordability. The city offers a mix of urban amenities and small-town charm, making it a great place to buy a home at a low cost while enjoying a relaxed lifestyle. Thunder Bay has a low unemployment rate, and industries such as healthcare, education, and natural resources drive the local economy. Below are the key details of Thunder Bay: 

Windsor

Windsor, located on the Detroit River, is often regarded as one of the most affordable cities in southern Ontario. It has a low cost of living, a diverse cultural scene, and strong economic ties to the U.S. due to its proximity to Detroit, Michigan. The city’s affordable housing market, along with its growing economy in automotive manufacturing, technology, and healthcare, makes it an attractive option for families and professionals. Below are the key details of Windsor: 

Sudbury

Greater Sudbury is Northern Ontario’s largest city, known for its rich mining history, thriving arts scene, and stunning natural landscapes. With 330+ lakes surrounding the city, Sudbury is a paradise for outdoor enthusiasts, offering activities like hiking, fishing, and skiing. The city is also home to top-rated healthcare facilities and Laurentian University, making it a practical and affordable place to live for families, retirees, and students. Below are the key details of Sudbury: 

Kingston

Situated between Toronto, Montreal, and Ottawa, Kingston is a historic waterfront city with a vibrant arts and culture scene. It is home to Queen’s University, the Royal Military College, and St. Lawrence College, making it a great place for students and academics. With relatively affordable housing, strong employment prospects, and a charming downtown core, Kingston is an attractive option for families and retirees looking for a small city feel with modern conveniences. Below are the key details of Kingston:

Cornwall

Cornwall, located along the St. Lawrence River, offers one of the lowest costs of living in Ontario while still providing urban amenities, access to nature, and a welcoming community. The city has a growing economy, with job opportunities in logistics, manufacturing, and public services. Cornwall’s proximity to Ottawa and Montreal makes it a convenient location for those who want affordability without being far from major metropolitan areas. Below are the key details of Cornwall: 

Conclusion

Finding an affordable place to live in Ontario doesn’t mean sacrificing quality of life. Whether you’re drawn to Sault Ste. Marie’s small-town charm, Kingston’s rich history, or Windsor’s booming job market, each of these cities offers affordable housing, strong local economies, and great community living. 

For those looking for scenic outdoor adventures and affordability, Thunder Bay and Sudbury are excellent choices. If you’re seeking urban amenities without the high costs of Toronto and Kingston provide a great balance of affordability and convenience. Ultimately, the best city for you will depend on your lifestyle preferences, career opportunities, and budget. With Ontario’s diverse and thriving communities, there is no shortage of places where you can enjoy a comfortable and cost-effective lifestyle.