Toronto, Canada’s largest city, is home to world-renowned universities such as the University of Toronto, Ryerson University (Toronto Metropolitan University), and York University. Every year, thousands of students from around the world come here to pursue higher education. While on-campus housing provides convenience, it’s often limited and expensive. That’s why many students choose off-campus living in Toronto for more independence, affordability, and flexibility.

This guide explores everything you need to know about off-campus housing in Toronto—rental costs, popular neighborhoods, pros and cons, and practical tips for students.

Why Choose Off-Campus Living in Toronto?

1. More Affordable Options

On-campus housing in Toronto is often costly and limited in availability. Students can usually find cheaper alternatives by renting apartments, condos, or shared houses off-campus.

2. Greater Independence

Living off-campus means you can choose your own roommates, set your own rules, and enjoy a private lifestyle compared to dorms.

3. Variety of Housing Choices

From shared student houses to modern downtown condos, off-campus living in Toronto provides housing options to suit different budgets and preferences.

4. Explore the City

Toronto is one of the most diverse cities in the world. Living off-campus gives students access to cultural hubs, restaurants, events, and local communities that shape their experience.

Popular Neighborhoods for Off-Campus Living in Toronto

1. Downtown Toronto

Close to the University of Toronto and Ryerson University, downtown is perfect for students who want to live near campus, nightlife, and cultural attractions. However, rent here is the highest.

2. The Annex

The Annex is a historic and student-friendly neighborhood right next to the University of Toronto. It’s filled with cafés, bookstores, and affordable student apartments.

3. North York

Close to York University, North York offers more affordable housing than downtown. It’s diverse, well-connected by subway, and has plenty of student rental options.

4. Kensington Market

Famous for its bohemian charm, vintage shops, and multicultural food scene, Kensington Market is popular among students looking for off-campus living near downtown.

5. Scarborough

For students studying at the University of Toronto Scarborough campus, Scarborough offers affordable housing options with easy access to campus and suburban living.

6. Etobicoke

Etobicoke is ideal for students looking for quieter neighborhoods and larger living spaces at a lower cost compared to central Toronto.

Average Rent for Off-Campus Housing in Toronto

Toronto is known for high rental costs compared to other Canadian cities. Here’s an approximate breakdown for 2025:

• Shared Room in Apartment: CAD $700 – $1,000

• Studio Apartment: CAD $1,200 – $1,600

• One-Bedroom Apartment: CAD $1,600 – $2,200

• Two-Bedroom Apartment (shared): CAD $2,200 – $3,000

Rent varies depending on location, building type, and whether utilities are included.

Pros and Cons of Off-Campus Living in Toronto

Pros

• Greater independence and flexibility

• Access to different cultural and student neighborhoods

• Potentially more affordable than on-campus options

• Wide range of housing styles (apartments, condos, shared houses)

Cons

• High rent compared to other Canadian cities

• Long commutes for students living outside downtown

• Responsibility for bills and utilities

• More competition and demand, especially in September

Tips for Finding Off-Campus Housing in Toronto

1. Start Early: The Toronto rental market is competitive. Begin your search at least 2–3 months before the semester starts.

2. Set a Budget: Factor in not just rent, but also utilities, internet, groceries, and transport.

3. Use Reliable Platforms: Trusted sites like Rentser.com, Kijiji, and university housing boards are great resources. Avoid suspicious listings.

4. Check Transportation: Toronto’s TTC subway and bus system makes commuting easy. Choose a location close to a subway station.

5. Visit in Person or Request Videos: Always inspect apartments or request a video tour to avoid scams.

6. Understand Lease Terms: Toronto rental contracts are usually for 12 months. Read the lease carefully before signing.

Lifestyle Benefits of Off-Campus Living in Toronto

• Cultural Diversity: Toronto is home to over 200 ethnicities and cultures. Students get exposure to different traditions, food, and events.

• Food Scene: From Chinatown to Little Italy, Toronto offers endless dining options.

• Student Discounts: Many shops, transport services, and entertainment venues provide student discounts.

• Career Opportunities: Toronto is Canada’s financial hub, offering internships and part-time job opportunities for students living off-campus.

Choosing off-campus living in Toronto allows students to experience the city in a more personal and independent way. While rent is higher compared to other Canadian cities, Toronto offers unmatched cultural diversity, excellent universities, and opportunities for both study and career growth.

Whether you prefer the convenience of downtown, the affordability of Scarborough, or the student vibe of The Annex, Toronto has an off-campus housing option for everyone. By planning early and budgeting wisely, you can secure a place that suits your lifestyle and makes your student journey in Toronto truly memorable