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Canada welcomes over 800,000 international students each year but what’s the true cost of studying there?
If you plan to pursue your education in Canada, understanding the total cost to study in Canada is crucial for budgeting effectively. Tuition fees and living expenses vary significantly depending on your chosen city, university, and program. For instance, undergraduate programs can range from CAD 20,000 to CAD 40,000 annually, while postgraduate courses may cost CAD 15,000 to CAD 35,000 annually. Add to this accommodation, health insurance, and daily living expenses; the numbers can feel overwhelming.
But don’t worrythis guide breaks down expenses, from tuition and housing to hidden costs like textbooks and transportation. We’ll also highlight affordable universities in Canada, scholarship opportunities, and tips to save money while studying.
Need a quick estimate? Use our free calculator to plan your study budget today! For personalised help, explore our Educational Consultancy Services to make informed decisions about studying in Canada.
Tuition Fees in Canada for International Students
Canada offers world-class education at competitive prices, but tuition fees vary significantly by program level and field of study. On average, international students can expect to pay:
- Undergraduate programs: CAD 20,000−20,000−40,000 per year
- Postgraduate programs: CAD 15,000−15,000−35,000 per year
These ranges reflect Canada’s diverse higher education landscape, where specialised programs often command higher fees. Below is a breakdown of typical annual tuition costs by discipline:
Field of Study | Undergraduate (CAD) | Postgraduate (CAD) |
Engineering | 25,000 – 45,000 | 18,000 – 35,000 |
Business (MBA) | 30,000 – 50,000 | 25,000 – 60,000 |
Computer Science | 23,000 – 42,000 | 16,000 – 32,000 |
Arts & Humanities | 18,000 – 35,000 | 14,000 – 28,000 |
Health Sciences | 27,000 – 55,000 | 20,000 – 45,000 |
Note: Fees shown are approximate annual amounts for international students
Several factors influence these tuition fees in Canada for international students:
- University prestige (top-ranked institutions often charge more)
- Program duration
- Lab/equipment requirements
- Provincial education policies
For postgraduate tuition fees in Canada, research-based programs often cost less than professional degrees like MBAs. Many Canadian universities also offer flexible payment plans to help students manage these expenses.
Pro Tip: Always check university websites for the most current fee structures, as costs typically increase by 2–5% annually. You can also consult Zylentrix’s experts through our Educational Consultancy service to get the latest updates and comparisons.
Undergraduate vs Postgraduate Program Costs in Canada
Choosing between an undergraduate (UG) and postgraduate (PG) program in Canada isn’t just about academics it’s a financial decision too! Here’s what you need to know:
Key Differences:
- Duration: UG applications typically span 4 years, whilst PG packages close in 1-2 years
- Tuition Structure: UG costs are generally charged annually, while PG packages are regularly priced according to a time-based or credit-based system
- Additional Costs: PG college students regularly incur thesis/studies costs (lab prices, conference travel)
Cost Comparison:
- A four-year UG degree at a mid-range college totals CAD eighty thousand to one hundred sixty thousand.
- A 2-12 months Master’s software usually costs CAD 30,000-70,000
Notable Example: A Master’s in Toronto averages 30% less than equivalent US applications while handing over similar best. For example, the University of Toronto’s MBA (~CAD 60,000) charges much less than similar Ivy League packages.
Financial Tip: Many PG programs offer coaching/studies assistantships, which could offset 25-50% of tuition costs – an advantage over most UG applications.
Top Canadian Universities and Their Fee Structures
Canada offers numerous options for global college students, from budget-friendly to premium establishments. Understanding those fee differences facilitates making knowledgeable picks.
Most Affordable Universities (Annual training for worldwide college students):
- Memorial University (Newfoundland): CAD 8,000−8,000−15,000
- University of Manitoba: CAD 12,000−18,000
- University of Prince Edward Island: CAD 14,000−20,000
These institutions in Canada’s lower-cost provinces provide an extraordinary price, particularly in STEM and business packages.
Premium Universities (Annual tuition):
- University of Toronto: CAD 45,000−60,000 (varies by program)
- University of British Columbia (UBC): CAD 40,000−50,000
- McGill University: CAD 35,000−50,000
While more expensive, globally ranked universities offer extra research possibilities and industry connections.
Key Considerations:
- Location influences expenses considerably – see our manual for the cheapest cities to examine in Canada
- Specialised applications (like medication or MBA) often cost 20-30% more
- Many universities offer computerized entrance scholarships for international students
Pro Tip: Smaller universities like Brandon University or Athabasca University often have lower prices while maintaining first-class training, making them ideal for budget-conscious students. Need help choosing the right university? Our University Selection and Admission Support can guide you every step of the way.
Cost of Living in Canada for Students
Managing your monthly living costs in Canada is crucial for international students. On average, expect to budget CAD 800–1,500 per month, with significant variations between cities.
Monthly Expense Breakdown:
Category | Cost Range (CAD) | Money-Saving Tips |
Accommodation | 500–1,200 | • On-campus dorms often include utilities |
Food | 300–500 | • Meal plans for first-year students |
Transport | 80–120 | • Student transit passes (e.g., $90/month in Toronto) |
Utilities | 60–150 | • Included in some rentals |
Miscellaneous | 100–300 | • Textbooks: Buy used or rent |
Key Insights:
- Vancouver/Toronto are the most expensive (avg. 1,300–1,800/month)
- Montreal/Halifax offer lower costs (800 –1,200/month)
- Many universities provide free health services to offset insurance costs. For help with setting up accommodation, transport, or healthcare after landing, check out our Post-Arrival Support Services.
“Living expenses in Canada for students can be managed smartly: Cooking at home and using student IDs for discounts can save $200+ monthly.”
Pro Tip: Always budget 10–15% extra for unexpected costs like winter clothing or travel.
Accommodation Expenses Across Major Canadian Cities
Finding affordable housing significantly impacts your overall cost of studying in Canada. Here’s what international students can expect in popular cities:
Cost Rankings (Monthly Rent):
Montreal (600−900)
Best value: Shared apartments near Concordia/UdeM
Bonus: Lowest utility costs among major cities
Halifax (700−950)
40% cheaper than Toronto for similar amenities
Popular option: Dalhousie University residence halls
Ottawa (800−1,100)
Government town with a stable rental market
Look for basement apartments in Sandy Hill.
Calgary (900−1,200)
Newer buildings with inclusive utilities
Check the Varsity/University District areas
Toronto/Vancouver (1,000- 1,500+)
Most competitive markets – apply early
UofT/UBC dorm waitlists exceed 6 months.
Smart Housing Strategies:
Homestays: 700−900/month (meals included)
Shared Apartments: Save 30-50% vs solo living
Sublets: Summer deals when students leave
University Towns: Smaller cities near campuses (e.g., Waterloo, Kingston) offer better value
Pro Tip: Always visit (or take a video tour) before signing leases. Facebook Marketplace and Kijiji have the most student listings. For trusted housing support, rely on our Post-Arrival Assistance to help you find safe and affordable accommodation.
Key Insight: Choosing Montreal over Toronto could save $7,200+ annually – enough to cover most tuition at affordable universities!
Visa and Health Insurance Costs for International Students
Navigating Canadian study permit requirements involves two essential costs:
- Student Visa Fees (2024 Rates)
- Application fee: CAD 150
- Biometrics: CAD 85 (one-time)
- Optional services:
- Study permit extension (CAD 150, Work permit (CAD155)
- Health Insurance Requirements
- Provincial plans: 600−600−800/year
(BC/MB/AB include basic coverage) - University health plans: 900−1,200/year
(Comprehensive dental/vision) - Private insurance: 50−100/month
(For waiting periods)
Key Considerations:
• Processing times: Apply 3-6 months before the term starts
• Proof of funds requirement: CAD $20,635+ (GIC option available)
• Family coverage: Add 50-100% to insurance costs
“Budget an extra $300 for document notarisation and translation services.”
Pro Tip: Some universities automatically enroll students in health plans; verify coverage to avoid duplicate payments.
Do you need help navigating visa fees, insurance plans, or proof of funds?Get Expert Help on Budgeting, Visas, and University Selection Talk to Our Education Advisors Today!
Talk to Our Education Advisors Today!
Additional Student Expenses in Canada
Beyond tuition and housing, budget for these essential costs:
- Academic Materials
- Textbooks: 800−1,200/year
- Lab supplies: 200−500 (science/art programs)
Smart Savings:
→ Rent textbooks from Amazon/Chegg
→ Use library course reserves (free!)
→ Share books with classmates
- Transportation
- Monthly transit pass: 80−150
- Bike maintenance: $100/year
- Ride-sharing budget: $50/month
- Personal Needs
- Winter gear: 300−600 (one-time)
- Mobile plan: 40−60/month
- Laundry: $50/month
“International students typically overlook 500−800 in hidden first-year setup costs.”
Pro Tip: Campus thrift stores sell quality winter coats for 70% less than retail.
Popular Scholarships to Study in Canada
International students can significantly reduce their cost to study in Canada through these prestigious funding opportunities:
Government-Funded Scholarships
- Vanier Canada Graduate Scholarships ($50,000/year for PhDs)
- Canada-ASEAN SEED (Full tuition + living costs)
- Banting Postdoctoral Fellowships ($70,000/year)
Eligibility: Academic excellence + research potential
University-Specific Awards
- UBC International Leader of Tomorrow Award (Need-based, covers 100% tuition)
- University of Toronto Lester B. Pearson Scholarship (Full tuition + residence)
- McGill Entrance Scholarships (3,000−12,000 automatic consideration)
Deadlines: Typically 6-9 months before term starts
Private/Non-Profit Scholarships
- Anne Vallée Ecological Fund ($1,500 for biology students)
- Trudeau Foundation Scholarships (Up to $60,000 for social sciences)
- Surge Scholarships (For African STEM students)
Application Pro Tips:
✓ Start 12+ months early (many require separate applications)
✓ Highlight unique experiences (volunteering, leadership)
✓ Use scholarship portals like ScholarshipsCanada
“Over 50% of scholarship funds go unclaimed annually due to lacking applicants.”
Working in Canada While Studying
Canada allows international students to work while studying, helping offset living costs. Here’s what you need to know:
On-Campus Employment
- Hours: Up to 20 hours/week during term, full-time during breaks
- Eligibility: Must hold a valid study permit
- Jobs: Library assistants, research aides, campus cafes
- Pay: CAD 15–25/hour (varies by province)
- No additional work permit required
Off-Campus Work & Internships
- Work Permit Needed? No (if enrolled full-time at a DLI-listed institution)
- Co-op/Internships: Requires a co-op work permit (employer-specific)
- Popular Fields: IT, business, engineering
- Earnings: CAD 18–30/hour (tech/engineering roles pay higher)
Key Rules:
✔ Must maintain full-time student status
✔ Cannot work before studies begin
✔ Off-campus jobs must not interfere with academics
“Part-time jobs in Canada for students can cover 30–50% of living expenses smart budgeting makes a huge difference!”
Pro Tip: Use university career portals (e.g., UBC’s CareerGate) for vetted job listings. Our Educational Consultancy Services also include career advice and work-rights guidance for international students.
Conclusion
With world-class universities, post-study work opportunities, and costs 40% lower than the US, Canada remains a top choice for international students. However, smart budgeting for tuition, living expenses, and hidden costs is essential to avoid financial stress.
From affordable universities in Canada to strategic scholarship applications and part-time work options, every dollar saved matters.
Your Next Step:
“Ready to turn your Canadian study dreams into reality? Get personalised cost estimates, scholarship matches, and visa support from Zylentrix’s education experts – all at zero cost!”
Or explore our full range of Educational Consultancy Services and Post-Arrival Support Programs tailored for international students.
Book Your Free Consultation Now
Or explore our full range of Educational Consultancy Services and Post-Arrival Support Programs tailored for international students.
Frequently Asked Questions (FAQs)
What is the total cost of studying in Canada for international students in 2025?
The total cost typically ranges from CAD $30,000 to $60,000 per year, which includes tuition fees, living expenses, health insurance, and miscellaneous costs. This varies based on the city, university, and program of study.
Which Canadian provinces are the most affordable for international students?
Some of the most budget-friendly provinces include:
- Newfoundland and Labrador
- Manitoba
- New Brunswick
These regions offer lower tuition fees and living costs compared to cities like Toronto or Vancouver.
What are the average tuition fees for undergraduate and postgraduate programs in Canada?
- Undergraduate programs: CAD $15,000–$35,000/year
- Postgraduate programs: CAD $18,000–$40,000/year
Tuition varies depending on the course and institution. STEM and MBA programs are typically on the higher end.
Can international students work in Canada to support their living expenses?
Yes. As of 2025, international students can work up to 20 hours per week during academic sessions and full-time during scheduled breaks. Some may also qualify for co-op or internship programs with additional income potential.
Are there scholarships or financial aid options for international students in Canada?
Absolutely. Major options include:
- Vanier Canada Graduate Scholarships
- Canadian Commonwealth Scholarship Program
University-specific awards (e.g., UBC International Leader of Tomorrow)
Zylentrix offers personalized Scholarship & Funding Assistance to help students reduce their education expenses in Canada.