Is $38,000 a good salary in Owen Sound, Ontario?

Is $38,000 a good salary in Owen Sound, Ontario?

$38,000 is $6,360 less than the average yearly salary of $44,360 in Owen Sound. A salary of $38,000 per year means that you would be taking home about $30,972 per year after taxes, or $2,581 per month to pay for things like housing, transportation, groceries, and entertainment. The average household income in Owen Sound is $77,300.

Owen Sound, Ontario
Updated: December 1, 2024

Average Cost of Living per Month in Owen Sound

The average cost of living in Owen Sound is $3,593/month for a single person who rents.This average is based on many factors including the cost of housing, transportation, groceries, and entertainment.
Average cost of living
$3,593/month
Monthly net income of $38,000/year
$2,581/month
Average total income in 2020
$44,360
Average total household income in 2020
$77,300

Average Salary in Owen Sound

The average salary in Owen Sound is $44,360, which is 18.5% lower than the Canadian average salary of $54,450. A person making $38,000 a year in Owen Sound makes 14.3% less than the average working person in Owen Sound and will take home about $30,972.
Net Annual Pay:
$30,972
Income tax breakdown
Hourly Salary:
$19.49
Salary breakdown

Cost of Living Calculator

Below are the details used to generate the average Cost of Living for Owen Sound. Change the inputs to match your lifestyle and see how it compares to the average cost of living and a salary of $38,000.
Renter
Homeowner
Housing

Housing

The average monthly cost of rental housing in Owen Sound is $1,579.
Transit
Driver
Transportation

Transportation

The average monthly cost for a driver in Owen Sound is $621.
Groceries

Groceries

The average person spends $487 on groceries per month in Owen Sound.
Utilities

Utilities

The average monthly cost of utilities in Owen Sound is $166.
Leisure & Entertainment

Leisure & Entertainment

The average person in Owen Sound spends $262 on leisure & entertainment per month.
Clothing

Clothing

The average person in Owen Sound spends $33 on clothing per month.
Restaurants

Restaurants

The average person in Owen Sound spends $295 on restaurants per month.
Other

Other

The average person in Owen Sound spends $150 on miscellaneous goods and services per month.
General Disclaimer: This tool is designed for approximation purposes only and should not be used to replace a legal or accounting authority. To simplify the process, some variables are assumed to calculate the numbers included on this page. The results of this calculator should not be relied upon to determine career or tax decisions.

Your Results

Disclaimer: These numbers estimate what it costs to live in Owen Sound based on Numbeo data. People can live in the city for much less, while others may need much more to fund their lifestyle.
Your cost of living
$3,593/month
Monthly net income of $38,000/year
$2,581/month

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Most affordable cities in Ontario

1. Oakville, Ontario
Avg. Salary $81,800
Avg. Monthly Net pay $5,075
Avg. Cost of Living $3,825
Affordability Index
132.67%
2. Aurora, Ontario
Avg. Salary $71,700
Avg. Monthly Net pay $4,495
Avg. Cost of Living $3,471
Affordability Index
129.5%
3. Newmarket, Ontario
Avg. Salary $57,000
Avg. Monthly Net pay $3,710
Avg. Cost of Living $3,287
Affordability Index
112.85%
4. East Gwillimbury, Ontario
Avg. Salary $59,950
Avg. Monthly Net pay $3,866
Avg. Cost of Living $3,440
Affordability Index
112.4%
5. Deep River, Ontario
Avg. Salary $61,300
Avg. Monthly Net pay $3,938
Avg. Cost of Living $3,568
Affordability Index
110.38%
6. Sault Ste. Marie, Ontario
Avg. Salary $49,680
Avg. Monthly Net pay $3,284
Avg. Cost of Living $3,016
Affordability Index
108.88%
7. Timmins, Ontario
Avg. Salary $55,100
Avg. Monthly Net pay $3,604
Avg. Cost of Living $3,320
Affordability Index
108.57%
8. Greater Sudbury, Ontario
Avg. Salary $55,450
Avg. Monthly Net pay $3,625
Avg. Cost of Living $3,347
Affordability Index
108.3%
9. Ottawa, Ontario
Avg. Salary $64,500
Avg. Monthly Net pay $4,108
Avg. Cost of Living $3,803
Affordability Index
108.03%
10. Pickering, Ontario
Avg. Salary $60,050
Avg. Monthly Net pay $3,872
Avg. Cost of Living $3,586
Affordability Index
107.97%
11. Kenora, Ontario
Avg. Salary $55,100
Avg. Monthly Net pay $3,604
Avg. Cost of Living $3,363
Affordability Index
107.18%
12. Marathon, Ontario
Avg. Salary $61,000
Avg. Monthly Net pay $3,922
Avg. Cost of Living $3,660
Affordability Index
107.17%
13. Orangeville, Ontario
Avg. Salary $54,450
Avg. Monthly Net pay $3,567
Avg. Cost of Living $3,351
Affordability Index
106.44%
14. Waterloo, Ontario
Avg. Salary $60,250
Avg. Monthly Net pay $3,882
Avg. Cost of Living $3,654
Affordability Index
106.25%
15. Sarnia, Ontario
Avg. Salary $54,050
Avg. Monthly Net pay $3,543
Avg. Cost of Living $3,381
Affordability Index
104.8%
16. Burlington, Ontario
Avg. Salary $68,900
Avg. Monthly Net pay $4,331
Avg. Cost of Living $4,139
Affordability Index
104.63%
17. Vaughan, Ontario
Avg. Salary $62,050
Avg. Monthly Net pay $3,978
Avg. Cost of Living $3,893
Affordability Index
102.19%
18. Ajax, Ontario
Avg. Salary $54,300
Avg. Monthly Net pay $3,558
Avg. Cost of Living $3,486
Affordability Index
102.06%
19. Thunder Bay, Ontario
Avg. Salary $51,000
Avg. Monthly Net pay $3,365
Avg. Cost of Living $3,299
Affordability Index
102%
20. Innisfil, Ontario
Avg. Salary $53,400
Avg. Monthly Net pay $3,506
Avg. Cost of Living $3,451
Affordability Index
101.59%
21. Fort Frances, Ontario
Avg. Salary $52,900
Avg. Monthly Net pay $3,477
Avg. Cost of Living $3,425
Affordability Index
101.51%
22. New Tecumseth, Ontario
Avg. Salary $53,550
Avg. Monthly Net pay $3,514
Avg. Cost of Living $3,504
Affordability Index
100.3%
23. Woodstock, Ontario
Avg. Salary $49,400
Avg. Monthly Net pay $3,267
Avg. Cost of Living $3,260
Affordability Index
100.2%
24. Cobourg, Ontario
Avg. Salary $52,000
Avg. Monthly Net pay $3,424
Avg. Cost of Living $3,424
Affordability Index
100.01%
25. Oshawa, Ontario
Avg. Salary $48,960
Avg. Monthly Net pay $3,240
Avg. Cost of Living $3,259
Affordability Index
99.4%
26. Kingston, Ontario
Avg. Salary $53,750
Avg. Monthly Net pay $3,526
Avg. Cost of Living $3,591
Affordability Index
98.19%
27. Toronto, Ontario
Avg. Salary $62,050
Avg. Monthly Net pay $3,978
Avg. Cost of Living $4,161
Affordability Index
95.61%
28. Arnprior, Ontario
Avg. Salary $49,560
Avg. Monthly Net pay $3,276
Avg. Cost of Living $3,437
Affordability Index
95.33%
29. Stratford, Ontario
Avg. Salary $50,480
Avg. Monthly Net pay $3,333
Avg. Cost of Living $3,502
Affordability Index
95.17%
30. Dryden, Ontario
Avg. Salary $52,850
Avg. Monthly Net pay $3,474
Avg. Cost of Living $3,660
Affordability Index
94.91%
31. Guelph, Ontario
Avg. Salary $55,200
Avg. Monthly Net pay $3,610
Avg. Cost of Living $3,822
Affordability Index
94.46%
32. Hamilton, Ontario
Avg. Salary $53,750
Avg. Monthly Net pay $3,526
Avg. Cost of Living $3,750
Affordability Index
94.03%
33. Brantford, Ontario
Avg. Salary $47,160
Avg. Monthly Net pay $3,141
Avg. Cost of Living $3,351
Affordability Index
93.75%
34. Hearst, Ontario
Avg. Salary $53,850
Avg. Monthly Net pay $3,532
Avg. Cost of Living $3,778
Affordability Index
93.48%
35. North Bay, Ontario
Avg. Salary $49,520
Avg. Monthly Net pay $3,274
Avg. Cost of Living $3,517
Affordability Index
93.09%
36. Fort Erie, Ontario
Avg. Salary $47,160
Avg. Monthly Net pay $3,141
Avg. Cost of Living $3,380
Affordability Index
92.94%
37. London, Ontario
Avg. Salary $50,440
Avg. Monthly Net pay $3,331
Avg. Cost of Living $3,589
Affordability Index
92.8%
38. Timiskaming District, Ontario
Avg. Salary $49,720
Avg. Monthly Net pay $3,286
Avg. Cost of Living $3,548
Affordability Index
92.62%
39. Kapuskasing, Ontario
Avg. Salary $49,720
Avg. Monthly Net pay $3,286
Avg. Cost of Living $3,570
Affordability Index
92.05%
40. Cornwall, Ontario
Avg. Salary $41,280
Avg. Monthly Net pay $2,780
Avg. Cost of Living $3,029
Affordability Index
91.78%
41. Kitchener, Ontario
Avg. Salary $51,950
Avg. Monthly Net pay $3,422
Avg. Cost of Living $3,737
Affordability Index
91.56%
42. Brockville, Ontario
Avg. Salary $46,200
Avg. Monthly Net pay $3,082
Avg. Cost of Living $3,379
Affordability Index
91.22%
43. Temiskaming Shores, Ontario
Avg. Salary $49,160
Avg. Monthly Net pay $3,252
Avg. Cost of Living $3,568
Affordability Index
91.14%
44. Goderich, Ontario
Avg. Salary $49,440
Avg. Monthly Net pay $3,269
Avg. Cost of Living $3,587
Affordability Index
91.14%
45. Atikokan, Ontario
Avg. Salary $49,920
Avg. Monthly Net pay $3,299
Avg. Cost of Living $3,660
Affordability Index
90.12%
46. Whitby, Ontario
Avg. Salary $63,000
Avg. Monthly Net pay $4,028
Avg. Cost of Living $4,479
Affordability Index
89.93%
47. Thorold, Ontario
Avg. Salary $46,000
Avg. Monthly Net pay $3,070
Avg. Cost of Living $3,429
Affordability Index
89.53%
48. Markham, Ontario
Avg. Salary $53,950
Avg. Monthly Net pay $3,538
Avg. Cost of Living $3,986
Affordability Index
88.75%
49. Milton, Ontario
Avg. Salary $60,900
Avg. Monthly Net pay $3,917
Avg. Cost of Living $4,437
Affordability Index
88.28%
50. Cambridge, Ontario
Avg. Salary $51,450
Avg. Monthly Net pay $3,393
Avg. Cost of Living $3,845
Affordability Index
88.23%
51. Midland, Ontario
Avg. Salary $45,160
Avg. Monthly Net pay $3,019
Avg. Cost of Living $3,428
Affordability Index
88.05%
52. Barrie, Ontario
Avg. Salary $51,550
Avg. Monthly Net pay $3,398
Avg. Cost of Living $3,864
Affordability Index
87.95%
53. Port Colborne, Ontario
Avg. Salary $45,560
Avg. Monthly Net pay $3,043
Avg. Cost of Living $3,468
Affordability Index
87.75%
54. St. Catharines, Ontario
Avg. Salary $47,560
Avg. Monthly Net pay $3,166
Avg. Cost of Living $3,609
Affordability Index
87.73%
55. Tillsonburg, Ontario
Avg. Salary $47,080
Avg. Monthly Net pay $3,137
Avg. Cost of Living $3,587
Affordability Index
87.44%
56. St. Thomas, Ontario
Avg. Salary $46,280
Avg. Monthly Net pay $3,087
Avg. Cost of Living $3,536
Affordability Index
87.31%
57. Niagara Falls, Ontario
Avg. Salary $44,840
Avg. Monthly Net pay $2,999
Avg. Cost of Living $3,440
Affordability Index
87.18%
58. Mississauga, Ontario
Avg. Salary $54,150
Avg. Monthly Net pay $3,549
Avg. Cost of Living $4,088
Affordability Index
86.82%
59. Parry Sound, Ontario
Avg. Salary $44,080
Avg. Monthly Net pay $2,952
Avg. Cost of Living $3,416
Affordability Index
86.42%
60. Welland, Ontario
Avg. Salary $44,440
Avg. Monthly Net pay $2,974
Avg. Cost of Living $3,490
Affordability Index
85.22%
61. Peterborough, Ontario
Avg. Salary $46,960
Avg. Monthly Net pay $3,129
Avg. Cost of Living $3,702
Affordability Index
84.53%
62. Windsor, Ontario
Avg. Salary $45,400
Avg. Monthly Net pay $3,033
Avg. Cost of Living $3,594
Affordability Index
84.4%
63. Brampton, Ontario
Avg. Salary $45,400
Avg. Monthly Net pay $3,033
Avg. Cost of Living $3,651
Affordability Index
83.08%
64. Belleville, Ontario
Avg. Salary $47,880
Avg. Monthly Net pay $3,186
Avg. Cost of Living $3,847
Affordability Index
82.81%
65. Richmond Hill, Ontario
Avg. Salary $57,100
Avg. Monthly Net pay $3,715
Avg. Cost of Living $4,525
Affordability Index
82.1%
66. Orillia, Ontario
Avg. Salary $45,480
Avg. Monthly Net pay $3,038
Avg. Cost of Living $3,734
Affordability Index
81.37%
67. Owen Sound, Ontario
Avg. Salary $44,360
Avg. Monthly Net pay $2,969
Avg. Cost of Living $3,703
Affordability Index
80.19%
68. Thessalon, Ontario
Avg. Salary $42,400
Avg. Monthly Net pay $2,849
Avg. Cost of Living $3,568
Affordability Index
79.85%
69. Elliot Lake, Ontario
Avg. Salary $39,120
Avg. Monthly Net pay $2,647
Avg. Cost of Living $3,459
Affordability Index
76.53%
The Affordability Index is based on a single, non-homeowner, who owns a car.
CareerBeacon obtains its data from 3rd party services and cannot verify its accuracy. The information contained on this page is intended to be used for informational purposes only and should not be used to replace legal authority. The information contained in the demographic reports should not be relied upon for determining career and/or relocation decisions.
Rank City Avg. Salary Avg. Monthly Net pay Avg. Cost of Living Affordability Index
01
1
 Oakville, Ontario $81,800 $5,075 $3,825
13266
132.67%
02
2
 Aurora, Ontario $71,700 $4,495 $3,471
12949
129.5%
03
3
 Newmarket, Ontario $57,000 $3,710 $3,287
11285
112.85%
04
4
 East Gwillimbury, Ontario $59,950 $3,866 $3,440
11239
112.4%
05
5
 Deep River, Ontario $61,300 $3,938 $3,568
11037
110.38%
06
6
 Sault Ste. Marie, Ontario $49,680 $3,284 $3,016
10887
108.88%
07
7
 Timmins, Ontario $55,100 $3,604 $3,320
10856
108.57%
08
8
 Greater Sudbury, Ontario $55,450 $3,625 $3,347
10829
108.3%
09
9
 Ottawa, Ontario $64,500 $4,108 $3,803
10802
108.03%
10
10
 Pickering, Ontario $60,050 $3,872 $3,586
10797
107.97%
11
11
 Kenora, Ontario $55,100 $3,604 $3,363
10717
107.18%
12
12
 Marathon, Ontario $61,000 $3,922 $3,660
10716
107.17%
13
13
 Orangeville, Ontario $54,450 $3,567 $3,351
10643
106.44%
14
14
 Waterloo, Ontario $60,250 $3,882 $3,654
10625
106.25%
15
15
 Sarnia, Ontario $54,050 $3,543 $3,381
10480
104.8%
16
16
 Burlington, Ontario $68,900 $4,331 $4,139
10463
104.63%
17
17
 Vaughan, Ontario $62,050 $3,978 $3,893
10218
102.19%
18
18
 Ajax, Ontario $54,300 $3,558 $3,486
10206
102.06%
19
19
 Thunder Bay, Ontario $51,000 $3,365 $3,299
10199
102%
20
20
 Innisfil, Ontario $53,400 $3,506 $3,451
10158
101.59%
21
21
 Fort Frances, Ontario $52,900 $3,477 $3,425
10150
101.51%
22
22
 New Tecumseth, Ontario $53,550 $3,514 $3,504
10029
100.3%
23
23
 Woodstock, Ontario $49,400 $3,267 $3,260
10020
100.2%
24
24
 Cobourg, Ontario $52,000 $3,424 $3,424
10001
100.01%
25
25
 Oshawa, Ontario $48,960 $3,240 $3,259
09940
99.4%
26
26
 Kingston, Ontario $53,750 $3,526 $3,591
09819
98.19%
27
27
 Toronto, Ontario $62,050 $3,978 $4,161
09560
95.61%
28
28
 Arnprior, Ontario $49,560 $3,276 $3,437
09532
95.33%
29
29
 Stratford, Ontario $50,480 $3,333 $3,502
09517
95.17%
30
30
 Dryden, Ontario $52,850 $3,474 $3,660
09491
94.91%
31
31
 Guelph, Ontario $55,200 $3,610 $3,822
09445
94.46%
32
32
 Hamilton, Ontario $53,750 $3,526 $3,750
09402
94.03%
33
33
 Brantford, Ontario $47,160 $3,141 $3,351
09374
93.75%
34
34
 Hearst, Ontario $53,850 $3,532 $3,778
09348
93.48%
35
35
 North Bay, Ontario $49,520 $3,274 $3,517
09308
93.09%
36
36
 Fort Erie, Ontario $47,160 $3,141 $3,380
09294
92.94%
37
37
 London, Ontario $50,440 $3,331 $3,589
09279
92.8%
38
38
 Timiskaming District, Ontario $49,720 $3,286 $3,548
09262
92.62%
39
39
 Kapuskasing, Ontario $49,720 $3,286 $3,570
09205
92.05%
40
40
 Cornwall, Ontario $41,280 $2,780 $3,029
09178
91.78%
41
41
 Kitchener, Ontario $51,950 $3,422 $3,737
09155
91.56%
42
42
 Brockville, Ontario $46,200 $3,082 $3,379
09122
91.22%
43
43
 Temiskaming Shores, Ontario $49,160 $3,252 $3,568
09113
91.14%
44
44
 Goderich, Ontario $49,440 $3,269 $3,587
09113
91.14%
45
45
 Atikokan, Ontario $49,920 $3,299 $3,660
09012
90.12%
46
46
 Whitby, Ontario $63,000 $4,028 $4,479
08993
89.93%
47
47
 Thorold, Ontario $46,000 $3,070 $3,429
08953
89.53%
48
48
 Markham, Ontario $53,950 $3,538 $3,986
08875
88.75%
49
49
 Milton, Ontario $60,900 $3,917 $4,437
08828
88.28%
50
50
 Cambridge, Ontario $51,450 $3,393 $3,845
08823
88.23%
51
51
 Midland, Ontario $45,160 $3,019 $3,428
08805
88.05%
52
52
 Barrie, Ontario $51,550 $3,398 $3,864
08794
87.95%
53
53
 Port Colborne, Ontario $45,560 $3,043 $3,468
08774
87.75%
54
54
 St. Catharines, Ontario $47,560 $3,166 $3,609
08772
87.73%
55
55
 Tillsonburg, Ontario $47,080 $3,137 $3,587
08744
87.44%
56
56
 St. Thomas, Ontario $46,280 $3,087 $3,536
08731
87.31%
57
57
 Niagara Falls, Ontario $44,840 $2,999 $3,440
08717
87.18%
58
58
 Mississauga, Ontario $54,150 $3,549 $4,088
08682
86.82%
59
59
 Parry Sound, Ontario $44,080 $2,952 $3,416
08642
86.42%
60
60
 Welland, Ontario $44,440 $2,974 $3,490
08522
85.22%
61
61
 Peterborough, Ontario $46,960 $3,129 $3,702
08452
84.53%
62
62
 Windsor, Ontario $45,400 $3,033 $3,594
08439
84.4%
63
63
 Brampton, Ontario $45,400 $3,033 $3,651
08308
83.08%
64
64
 Belleville, Ontario $47,880 $3,186 $3,847
08280
82.81%
65
65
 Richmond Hill, Ontario $57,100 $3,715 $4,525
08209
82.1%
66
66
 Orillia, Ontario $45,480 $3,038 $3,734
08136
81.37%
67
67
 Owen Sound, Ontario $44,360 $2,969 $3,703
08018
80.19%
68
68
 Thessalon, Ontario $42,400 $2,849 $3,568
07984
79.85%
69
69
 Elliot Lake, Ontario $39,120 $2,647 $3,459
07653
76.53%
The Affordability Index is based on a single, non-homeowner, who owns a car.
CareerBeacon obtains its data from 3rd party services and cannot verify its accuracy. The information contained on this page is intended to be used for informational purposes only and should not be used to replace legal authority. The information contained in the demographic reports should not be relied upon for determining career and/or relocation decisions.

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