Is $32,000 a good salary in St. Thomas, Ontario?

Is $32,000 a good salary in St. Thomas, Ontario?

$32,000 is $14,280 less than the average yearly salary of $46,280 in St. Thomas. A salary of $32,000 per year means that you would be taking home about $26,667 per year after taxes, or $2,222 per month to pay for things like housing, transportation, groceries, and entertainment. The average household income in St. Thomas is $86,600.

St. Thomas, Ontario
Updated: November 1, 2024

Average Cost of Living per Month in St. Thomas

The average cost of living in St. Thomas is $3,536/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
$3,536/month
Monthly net income of $32,000/year
$2,222/month
Average total income in 2020
$46,280
Average total household income in 2020
$86,600

Average Salary in St. Thomas

The average salary in St. Thomas is $46,280, which is 15% lower than the Canadian average salary of $54,450. A person making $32,000 a year in St. Thomas makes 30.9% less than the average working person in St. Thomas and will take home about $26,667.
Net Annual Pay:
$26,667
Income tax breakdown
Hourly Salary:
$16.41
Salary breakdown

Cost of Living Calculator

Below are the details used to generate the average Cost of Living for St. Thomas. Change the inputs to match your lifestyle and see how it compares to the average cost of living and a salary of $32,000.
Renter
Homeowner
Housing

Housing

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

Transportation

The average monthly cost for a driver in St. Thomas is $626.
Groceries

Groceries

The average person spends $493 on groceries per month in St. Thomas.
Utilities

Utilities

The average monthly cost of utilities in St. Thomas is $160.
Leisure & Entertainment

Leisure & Entertainment

The average person in St. Thomas spends $153 on leisure & entertainment per month.
Clothing

Clothing

The average person in St. Thomas spends $36 on clothing per month.
Restaurants

Restaurants

The average person in St. Thomas spends $339 on restaurants per month.
Other

Other

The average person in St. Thomas 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 St. Thomas 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
$3,536/month
Monthly net income of $32,000/year
$2,222/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 $3,805
Affordability Index
133.36%
2. Aurora, Ontario
Avg. Salary $71,700
Avg. Monthly Net pay $4,495
Avg. Cost of Living $3,371
Affordability Index
133.34%
3. Deep River, Ontario
Avg. Salary $61,300
Avg. Monthly Net pay $3,938
Avg. Cost of Living $3,541
Affordability Index
111.22%
4. Burlington, Ontario
Avg. Salary $68,900
Avg. Monthly Net pay $4,331
Avg. Cost of Living $3,940
Affordability Index
109.92%
5. Newmarket, Ontario
Avg. Salary $57,000
Avg. Monthly Net pay $3,710
Avg. Cost of Living $3,386
Affordability Index
109.55%
6. Greater Sudbury, Ontario
Avg. Salary $55,450
Avg. Monthly Net pay $3,625
Avg. Cost of Living $3,309
Affordability Index
109.54%
7. Sault Ste. Marie, Ontario
Avg. Salary $49,680
Avg. Monthly Net pay $3,284
Avg. Cost of Living $3,016
Affordability Index
108.88%
8. Timmins, Ontario
Avg. Salary $55,100
Avg. Monthly Net pay $3,604
Avg. Cost of Living $3,322
Affordability Index
108.5%
9. East Gwillimbury, Ontario
Avg. Salary $59,950
Avg. Monthly Net pay $3,866
Avg. Cost of Living $3,575
Affordability Index
108.15%
10. Pickering, Ontario
Avg. Salary $60,050
Avg. Monthly Net pay $3,872
Avg. Cost of Living $3,589
Affordability Index
107.88%
11. Ottawa, Ontario
Avg. Salary $64,500
Avg. Monthly Net pay $4,108
Avg. Cost of Living $3,814
Affordability Index
107.72%
12. Marathon, Ontario
Avg. Salary $61,000
Avg. Monthly Net pay $3,922
Avg. Cost of Living $3,659
Affordability Index
107.2%
13. Kenora, Ontario
Avg. Salary $55,100
Avg. Monthly Net pay $3,604
Avg. Cost of Living $3,371
Affordability Index
106.92%
14. Waterloo, Ontario
Avg. Salary $60,250
Avg. Monthly Net pay $3,882
Avg. Cost of Living $3,653
Affordability Index
106.28%
15. Orangeville, Ontario
Avg. Salary $54,450
Avg. Monthly Net pay $3,567
Avg. Cost of Living $3,370
Affordability Index
105.84%
16. Sarnia, Ontario
Avg. Salary $54,050
Avg. Monthly Net pay $3,543
Avg. Cost of Living $3,383
Affordability Index
104.74%
17. Innisfil, Ontario
Avg. Salary $53,400
Avg. Monthly Net pay $3,506
Avg. Cost of Living $3,407
Affordability Index
102.9%
18. Oshawa, Ontario
Avg. Salary $48,960
Avg. Monthly Net pay $3,240
Avg. Cost of Living $3,160
Affordability Index
102.52%
19. Vaughan, Ontario
Avg. Salary $62,050
Avg. Monthly Net pay $3,978
Avg. Cost of Living $3,893
Affordability Index
102.19%
20. Thunder Bay, Ontario
Avg. Salary $51,000
Avg. Monthly Net pay $3,365
Avg. Cost of Living $3,299
Affordability Index
102%
21. Ajax, Ontario
Avg. Salary $54,300
Avg. Monthly Net pay $3,558
Avg. Cost of Living $3,504
Affordability Index
101.54%
22. Fort Frances, Ontario
Avg. Salary $52,900
Avg. Monthly Net pay $3,477
Avg. Cost of Living $3,424
Affordability Index
101.54%
23. Woodstock, Ontario
Avg. Salary $49,400
Avg. Monthly Net pay $3,267
Avg. Cost of Living $3,259
Affordability Index
100.23%
24. Kingston, Ontario
Avg. Salary $53,750
Avg. Monthly Net pay $3,526
Avg. Cost of Living $3,561
Affordability Index
99.02%
25. Arnprior, Ontario
Avg. Salary $49,560
Avg. Monthly Net pay $3,276
Avg. Cost of Living $3,309
Affordability Index
99.02%
26. New Tecumseth, Ontario
Avg. Salary $53,550
Avg. Monthly Net pay $3,514
Avg. Cost of Living $3,573
Affordability Index
98.36%
27. Toronto, Ontario
Avg. Salary $62,050
Avg. Monthly Net pay $3,978
Avg. Cost of Living $4,130
Affordability Index
96.32%
28. Cobourg, Ontario
Avg. Salary $52,000
Avg. Monthly Net pay $3,424
Avg. Cost of Living $3,556
Affordability Index
96.3%
29. Dryden, Ontario
Avg. Salary $52,850
Avg. Monthly Net pay $3,474
Avg. Cost of Living $3,659
Affordability Index
94.94%
30. Hamilton, Ontario
Avg. Salary $53,750
Avg. Monthly Net pay $3,526
Avg. Cost of Living $3,731
Affordability Index
94.51%
31. Guelph, Ontario
Avg. Salary $55,200
Avg. Monthly Net pay $3,610
Avg. Cost of Living $3,830
Affordability Index
94.26%
32. Stratford, Ontario
Avg. Salary $50,480
Avg. Monthly Net pay $3,333
Avg. Cost of Living $3,536
Affordability Index
94.26%
33. Brantford, Ontario
Avg. Salary $47,160
Avg. Monthly Net pay $3,141
Avg. Cost of Living $3,350
Affordability Index
93.77%
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 $3,503
Affordability Index
93.46%
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. Timiskaming District, Ontario
Avg. Salary $49,720
Avg. Monthly Net pay $3,286
Avg. Cost of Living $3,544
Affordability Index
92.73%
38. Kapuskasing, Ontario
Avg. Salary $49,720
Avg. Monthly Net pay $3,286
Avg. Cost of Living $3,570
Affordability Index
92.05%
39. Cornwall, Ontario
Avg. Salary $41,280
Avg. Monthly Net pay $2,780
Avg. Cost of Living $3,029
Affordability Index
91.78%
40. London, Ontario
Avg. Salary $50,440
Avg. Monthly Net pay $3,331
Avg. Cost of Living $3,629
Affordability Index
91.77%
41. Kitchener, Ontario
Avg. Salary $51,950
Avg. Monthly Net pay $3,422
Avg. Cost of Living $3,742
Affordability Index
91.44%
42. Temiskaming Shores, Ontario
Avg. Salary $49,160
Avg. Monthly Net pay $3,252
Avg. Cost of Living $3,568
Affordability Index
91.14%
43. Whitby, Ontario
Avg. Salary $63,000
Avg. Monthly Net pay $4,028
Avg. Cost of Living $4,436
Affordability Index
90.8%
44. Goderich, Ontario
Avg. Salary $49,440
Avg. Monthly Net pay $3,269
Avg. Cost of Living $3,620
Affordability Index
90.31%
45. Atikokan, Ontario
Avg. Salary $49,920
Avg. Monthly Net pay $3,299
Avg. Cost of Living $3,659
Affordability Index
90.15%
46. Parry Sound, Ontario
Avg. Salary $44,080
Avg. Monthly Net pay $2,952
Avg. Cost of Living $3,297
Affordability Index
89.54%
47. Thorold, Ontario
Avg. Salary $46,000
Avg. Monthly Net pay $3,070
Avg. Cost of Living $3,429
Affordability Index
89.53%
48. Milton, Ontario
Avg. Salary $60,900
Avg. Monthly Net pay $3,917
Avg. Cost of Living $4,437
Affordability Index
88.28%
49. Cambridge, Ontario
Avg. Salary $51,450
Avg. Monthly Net pay $3,393
Avg. Cost of Living $3,845
Affordability Index
88.23%
50. Brockville, Ontario
Avg. Salary $46,200
Avg. Monthly Net pay $3,082
Avg. Cost of Living $3,502
Affordability Index
88.02%
51. St. Catharines, Ontario
Avg. Salary $47,560
Avg. Monthly Net pay $3,166
Avg. Cost of Living $3,604
Affordability Index
87.85%
52. Peterborough, Ontario
Avg. Salary $46,960
Avg. Monthly Net pay $3,129
Avg. Cost of Living $3,563
Affordability Index
87.82%
53. Port Colborne, Ontario
Avg. Salary $45,560
Avg. Monthly Net pay $3,043
Avg. Cost of Living $3,467
Affordability Index
87.77%
54. Markham, Ontario
Avg. Salary $53,950
Avg. Monthly Net pay $3,538
Avg. Cost of Living $4,035
Affordability Index
87.67%
55. St. Thomas, Ontario
Avg. Salary $46,280
Avg. Monthly Net pay $3,087
Avg. Cost of Living $3,537
Affordability Index
87.29%
56. Niagara Falls, Ontario
Avg. Salary $44,840
Avg. Monthly Net pay $2,999
Avg. Cost of Living $3,440
Affordability Index
87.18%
57. Tillsonburg, Ontario
Avg. Salary $47,080
Avg. Monthly Net pay $3,137
Avg. Cost of Living $3,620
Affordability Index
86.64%
58. Mississauga, Ontario
Avg. Salary $54,150
Avg. Monthly Net pay $3,549
Avg. Cost of Living $4,123
Affordability Index
86.08%
59. Barrie, Ontario
Avg. Salary $51,550
Avg. Monthly Net pay $3,398
Avg. Cost of Living $3,957
Affordability Index
85.88%
60. Midland, Ontario
Avg. Salary $45,160
Avg. Monthly Net pay $3,019
Avg. Cost of Living $3,531
Affordability Index
85.49%
61. Brampton, Ontario
Avg. Salary $45,400
Avg. Monthly Net pay $3,033
Avg. Cost of Living $3,554
Affordability Index
85.35%
62. Welland, Ontario
Avg. Salary $44,440
Avg. Monthly Net pay $2,974
Avg. Cost of Living $3,490
Affordability Index
85.22%
63. Windsor, Ontario
Avg. Salary $45,400
Avg. Monthly Net pay $3,033
Avg. Cost of Living $3,607
Affordability Index
84.09%
64. Belleville, Ontario
Avg. Salary $47,880
Avg. Monthly Net pay $3,186
Avg. Cost of Living $3,842
Affordability Index
82.92%
65. Richmond Hill, Ontario
Avg. Salary $57,100
Avg. Monthly Net pay $3,715
Avg. Cost of Living $4,559
Affordability Index
81.48%
66. Orillia, Ontario
Avg. Salary $45,480
Avg. Monthly Net pay $3,038
Avg. Cost of Living $3,733
Affordability Index
81.39%
67. Thessalon, Ontario
Avg. Salary $42,400
Avg. Monthly Net pay $2,849
Avg. Cost of Living $3,568
Affordability Index
79.85%
68. Owen Sound, Ontario
Avg. Salary $44,360
Avg. Monthly Net pay $2,969
Avg. Cost of Living $3,839
Affordability Index
77.35%
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 $3,805
13336
133.36%
02
2
 Aurora, Ontario $71,700 $4,495 $3,371
13334
133.34%
03
3
 Deep River, Ontario $61,300 $3,938 $3,541
11121
111.22%
04
4
 Burlington, Ontario $68,900 $4,331 $3,940
10991
109.92%
05
5
 Newmarket, Ontario $57,000 $3,710 $3,386
10955
109.55%
06
6
 Greater Sudbury, Ontario $55,450 $3,625 $3,309
10954
109.54%
07
7
 Sault Ste. Marie, Ontario $49,680 $3,284 $3,016
10887
108.88%
08
8
 Timmins, Ontario $55,100 $3,604 $3,322
10850
108.5%
09
9
 East Gwillimbury, Ontario $59,950 $3,866 $3,575
10815
108.15%
10
10
 Pickering, Ontario $60,050 $3,872 $3,589
10787
107.88%
11
11
 Ottawa, Ontario $64,500 $4,108 $3,814
10771
107.72%
12
12
 Marathon, Ontario $61,000 $3,922 $3,659
10719
107.2%
13
13
 Kenora, Ontario $55,100 $3,604 $3,371
10692
106.92%
14
14
 Waterloo, Ontario $60,250 $3,882 $3,653
10628
106.28%
15
15
 Orangeville, Ontario $54,450 $3,567 $3,370
10583
105.84%
16
16
 Sarnia, Ontario $54,050 $3,543 $3,383
10474
104.74%
17
17
 Innisfil, Ontario $53,400 $3,506 $3,407
10289
102.9%
18
18
 Oshawa, Ontario $48,960 $3,240 $3,160
10251
102.52%
19
19
 Vaughan, Ontario $62,050 $3,978 $3,893
10218
102.19%
20
20
 Thunder Bay, Ontario $51,000 $3,365 $3,299
10199
102%
21
21
 Ajax, Ontario $54,300 $3,558 $3,504
10153
101.54%
22
22
 Fort Frances, Ontario $52,900 $3,477 $3,424
10153
101.54%
23
23
 Woodstock, Ontario $49,400 $3,267 $3,259
10023
100.23%
24
24
 Kingston, Ontario $53,750 $3,526 $3,561
09901
99.02%
25
25
 Arnprior, Ontario $49,560 $3,276 $3,309
09901
99.02%
26
26
 New Tecumseth, Ontario $53,550 $3,514 $3,573
09836
98.36%
27
27
 Toronto, Ontario $62,050 $3,978 $4,130
09632
96.32%
28
28
 Cobourg, Ontario $52,000 $3,424 $3,556
09630
96.3%
29
29
 Dryden, Ontario $52,850 $3,474 $3,659
09493
94.94%
30
30
 Hamilton, Ontario $53,750 $3,526 $3,731
09450
94.51%
31
31
 Guelph, Ontario $55,200 $3,610 $3,830
09426
94.26%
32
32
 Stratford, Ontario $50,480 $3,333 $3,536
09425
94.26%
33
33
 Brantford, Ontario $47,160 $3,141 $3,350
09377
93.77%
34
34
 Hearst, Ontario $53,850 $3,532 $3,778
09348
93.48%
35
35
 North Bay, Ontario $49,520 $3,274 $3,503
09346
93.46%
36
36
 Fort Erie, Ontario $47,160 $3,141 $3,380
09294
92.94%
37
37
 Timiskaming District, Ontario $49,720 $3,286 $3,544
09272
92.73%
38
38
 Kapuskasing, Ontario $49,720 $3,286 $3,570
09205
92.05%
39
39
 Cornwall, Ontario $41,280 $2,780 $3,029
09178
91.78%
40
40
 London, Ontario $50,440 $3,331 $3,629
09177
91.77%
41
41
 Kitchener, Ontario $51,950 $3,422 $3,742
09143
91.44%
42
42
 Temiskaming Shores, Ontario $49,160 $3,252 $3,568
09113
91.14%
43
43
 Whitby, Ontario $63,000 $4,028 $4,436
09080
90.8%
44
44
 Goderich, Ontario $49,440 $3,269 $3,620
09030
90.31%
45
45
 Atikokan, Ontario $49,920 $3,299 $3,659
09014
90.15%
46
46
 Parry Sound, Ontario $44,080 $2,952 $3,297
08954
89.54%
47
47
 Thorold, Ontario $46,000 $3,070 $3,429
08953
89.53%
48
48
 Milton, Ontario $60,900 $3,917 $4,437
08828
88.28%
49
49
 Cambridge, Ontario $51,450 $3,393 $3,845
08823
88.23%
50
50
 Brockville, Ontario $46,200 $3,082 $3,502
08801
88.02%
51
51
 St. Catharines, Ontario $47,560 $3,166 $3,604
08784
87.85%
52
52
 Peterborough, Ontario $46,960 $3,129 $3,563
08782
87.82%
53
53
 Port Colborne, Ontario $45,560 $3,043 $3,467
08777
87.77%
54
54
 Markham, Ontario $53,950 $3,538 $4,035
08767
87.67%
55
55
 St. Thomas, Ontario $46,280 $3,087 $3,537
08728
87.29%
56
56
 Niagara Falls, Ontario $44,840 $2,999 $3,440
08717
87.18%
57
57
 Tillsonburg, Ontario $47,080 $3,137 $3,620
08664
86.64%
58
58
 Mississauga, Ontario $54,150 $3,549 $4,123
08608
86.08%
59
59
 Barrie, Ontario $51,550 $3,398 $3,957
08588
85.88%
60
60
 Midland, Ontario $45,160 $3,019 $3,531
08548
85.49%
61
61
 Brampton, Ontario $45,400 $3,033 $3,554
08534
85.35%
62
62
 Welland, Ontario $44,440 $2,974 $3,490
08522
85.22%
63
63
 Windsor, Ontario $45,400 $3,033 $3,607
08409
84.09%
64
64
 Belleville, Ontario $47,880 $3,186 $3,842
08291
82.92%
65
65
 Richmond Hill, Ontario $57,100 $3,715 $4,559
08148
81.48%
66
66
 Orillia, Ontario $45,480 $3,038 $3,733
08138
81.39%
67
67
 Thessalon, Ontario $42,400 $2,849 $3,568
07984
79.85%
68
68
 Owen Sound, Ontario $44,360 $2,969 $3,839
07734
77.35%
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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