Sam SmithPinpointing the cheapest places to live in Ontario is never simple. Costs vary widely depending on housing type, lifestyle, and transportation needs, and there’s no single official ranking that covers every municipality. Still, by looking at consistent indicators—like average house prices and rental costs from CREA, CMHC, and local real estate boards—we can identify the towns and cities that stand out for their relative affordability. The general rule is clear: move further from the GTA and Ottawa, and affordability improves.
Top 50 Cheapest Cities To Live In Ontario
Southwestern Ontario
1. Windsor
Windsor, located on the Detroit River, consistently ranks as one of Canada’s most affordable major cities. Housing prices are lower than the provincial average, and rental costs remain manageable. The city benefits from its automotive industry, cross‑border trade, and cultural diversity. Residents enjoy waterfront parks, festivals, and access to U.S. amenities. While employment is tied to manufacturing, Windsor offers urban conveniences at a fraction of GTA costs, making it attractive for families, retirees, and newcomers seeking affordability.
2. Sarnia
Sarnia sits on the U.S. border along Lake Huron and is known for its petrochemical industry. Housing prices are relatively low compared to larger Ontario cities, and rental options are affordable. The city offers waterfront living, beaches, and access to cross‑border shopping. While its economy is industrially focused, Sarnia provides a quieter lifestyle with strong community ties. Affordable housing and proximity to natural beauty make it appealing for families and retirees seeking value outside the GTA.
3. Chatham‑Kent
Chatham‑Kent is a sprawling municipality in Southwestern Ontario, known for agriculture and small‑town living. Housing costs are among the lowest in the province, with detached homes and farmland available at affordable prices. The region offers essential amenities, schools, and healthcare, though job opportunities are limited compared to larger centres. Its affordability makes it attractive for retirees, families, and remote workers. With access to Lake Erie and a relaxed pace of life, Chatham‑Kent is a budget‑friendly option.
4. Brantford
Brantford, nicknamed “Telephone City,” is a mid‑sized urban centre west of Hamilton. Housing prices are lower than in Hamilton or Toronto, making it appealing for commuters and families. The city has a growing economy, cultural attractions, and educational institutions like Laurier Brantford. Its affordability, combined with revitalization efforts, has drawn new residents. Brantford offers a balance of urban amenities and small‑city charm, with lower costs than nearby metros, making it a practical choice for budget‑conscious households.
5. Woodstock
Woodstock, located along Highway 401, is a growing city with a strong automotive and manufacturing base. Housing prices are more affordable than neighbouring London or Kitchener, and rental costs remain moderate. The city offers schools, healthcare, and recreational amenities, while maintaining a small‑town atmosphere. Its affordability and proximity to major highways make it attractive for commuters and families. Woodstock balances economic opportunity with lower living costs, offering value for those seeking a manageable lifestyle outside larger centres.
6. St. Thomas
St. Thomas, known as the “Railway City,” lies south of London and offers affordable housing compared to nearby urban centres. The town has a rich railway heritage, growing industries, and essential amenities. Housing prices are lower than in London, making it attractive for families and retirees. St. Thomas provides a blend of affordability, community spirit, and proximity to larger city services. Its small‑town charm and reasonable costs make it a practical option for those seeking value in Southwestern Ontario.
7. Ingersoll
Ingersoll is a small town near the 401 corridor, offering affordable housing and a strong community atmosphere. Known historically for cheese production, it now benefits from proximity to automotive manufacturing in Woodstock and London. Housing prices are lower than in surrounding cities, and amenities include schools, parks, and local shops. Ingersoll’s affordability, combined with easy highway access, makes it appealing for commuters and families. It provides a quiet lifestyle with manageable costs, ideal for those seeking small‑town living.
8. Tillsonburg
Tillsonburg, historically tied to tobacco farming, has evolved into a diversified industrial town in Southwestern Ontario. Housing prices remain affordable compared to larger centres, and rental costs are moderate. The town offers essential amenities, schools, and healthcare, while maintaining a strong sense of community. Its affordability and location near London and Woodstock make it attractive for families and retirees. Tillsonburg combines small‑town charm with reasonable living costs, offering a practical lifestyle option in Ontario’s southwest.
9. Simcoe
Simcoe, the largest community in Norfolk County, is an agricultural hub with affordable housing and rental options. The town offers essential services, schools, and healthcare, while maintaining a rural atmosphere. Housing prices are lower than in nearby urban centres, making it appealing for families and retirees. Simcoe’s affordability, combined with access to Lake Erie beaches and farmland, provides a balanced lifestyle. It is ideal for those seeking budget‑friendly living with a mix of rural charm and small‑town amenities.
10. Goderich
Goderich, located on Lake Huron, is often called “Canada’s prettiest town.” Despite its scenic setting, housing prices remain affordable compared to larger Ontario cities. The town offers historic architecture, waterfront parks, and a strong community atmosphere. While employment opportunities are limited, Goderich provides a high quality of life at manageable costs. Its affordability, combined with natural beauty and cultural heritage, makes it attractive for retirees, families, and newcomers seeking a picturesque yet budget‑friendly place to live.
50 Most Affordable Cities & Towns in Ontario (Numbered Table)
| # | City / Town | Region |
|---|---|---|
| 1 | Windsor | Southwestern Ontario |
| 2 | Sarnia | Southwestern Ontario |
| 3 | Chatham-Kent | Southwestern Ontario |
| 4 | Brantford | Southwestern Ontario |
| 5 | Woodstock | Southwestern Ontario |
| 6 | St. Thomas | Southwestern Ontario |
| 7 | Ingersoll | Southwestern Ontario |
| 8 | Tillsonburg | Southwestern Ontario |
| 9 | Simcoe | Southwestern Ontario |
| 10 | Goderich | Southwestern Ontario |
| 11 | Port Colborne | Niagara Region |
| 12 | Welland | Niagara Region |
| 13 | Fort Erie | Niagara Region |
| 14 | Haldimand County (Cayuga, Dunnville) | Haldimand–Norfolk |
| 15 | Niagara Falls | Niagara Region |
| 16 | Cornwall | Eastern Ontario |
| 17 | Hawkesbury | Eastern Ontario |
| 18 | Prescott & Russell (Embrun, Russell) | Eastern Ontario |
| 19 | Brockville | Eastern Ontario |
| 20 | Gananoque | Eastern Ontario |
| 21 | Smiths Falls | Eastern Ontario |
| 22 | Carleton Place | Eastern Ontario |
| 23 | Perth | Eastern Ontario |
| 24 | Peterborough | Central Ontario |
| 25 | Kawartha Lakes (Lindsay) | Central Ontario |
| 26 | Northumberland County (Cobourg, Port Hope) | Central Ontario |
| 27 | Bracebridge | Muskoka |
| 28 | Gravenhurst | Muskoka |
| 29 | Collingwood | Georgian Bay |
| 30 | Owen Sound | Grey–Bruce |
| 31 | Midland / Penetanguishene | Huronia |
| 32 | Orillia | Central Ontario |
| 33 | Greater Sudbury | Northern Ontario |
| 34 | Thunder Bay | Northern Ontario |
| 35 | Sault Ste. Marie | Northern Ontario |
| 36 | North Bay | Northern Ontario |
| 37 | Timmins | Northern Ontario |
| 38 | Kenora | Northwestern Ontario |
| 39 | Elliot Lake | Northern Ontario |
| 40 | Temiskaming Shores (New Liskeard) | Northern Ontario |
| 41 | Dryden | Northwestern Ontario |
| 42 | Kapuskasing | Northern Ontario |
| 43 | Hearst | Northern Ontario |
| 44 | Cochrane | Northern Ontario |
| 45 | Manitouwadge / Marathon | Lake Superior North Shore |
| 46 | Red Lake | Northwestern Ontario |
| 47 | Moosonee | James Bay Region |
| 48 | Hamilton | Hamilton–Niagara Corridor |
| 49 | St. Catharines | Niagara Region |
| 50 | Brant County (rural areas) | Southwestern Ontario |
| 51 | Norfolk County (rural areas) | Southwestern Ontario |
Closing
Affordability in Ontario is always relative. Even the cheapest towns can feel expensive compared to other parts of Canada or the world. The key is balancing housing costs with employment opportunities, amenities, and lifestyle preferences. Southwestern Ontario offers some of the most budget‑friendly urban centres, while Northern Ontario provides rock‑bottom housing prices with trade‑offs in remoteness and climate. Use this list as a roadmap: research local housing data, explore community groups, and weigh lifestyle priorities. Ultimately, the “best” affordable city is the one that fits both your budget and your vision for life in Ontario.