The cost of living in Surrey is one of the biggest reasons this vibrant BC city continues to attract new residents from across Canada and around the world. Surrey offers a rare combination of affordability, safety, and convenience that’s hard to find in neighbouring Vancouver. With a growing economy, excellent schools, expanding SkyTrain routes, and diverse communities, it’s quickly becoming one of the most desirable places to live in British Columbia.

If you’re thinking of moving here, you’re probably wondering: What does it actually cost to live comfortably in Surrey? From housing prices and utility bills to transportation, groceries, and family expenses — every factor plays a role in shaping the true living in Surrey.

In this guide, we’ll break down real numbers for 2025 so you can plan your move confidently. Whether you’re a first-time homebuyer, relocating family, or investor, this post gives you a clear picture of what to expect — and how working with Silky Girdhar, your trusted Surrey real estate expert, can help you find the right home that fits your lifestyle and budget.

🏡 How Much Does It Really Cost of Living in Surrey?

1️⃣ Housing Costs in Surrey (2025 Overview)

Housing is the largest factor in the cost of living in Surrey. As of 2025:

• Detached home: ≈ $1.4 million
• Townhouse: ≈ $950,000
• Condo: ≈ $650,000
• Rent 1-bed: ≈ $1,800/month
• Rent 2-bed: ≈ $2,600/month

Compared to Vancouver, these numbers make the living in Surrey far more affordable while still offering excellent amenities. Remember to include property tax and insurance in your budget.

2️⃣ Utilities and Internet

Utilities add around $150 – $250 per month to the cost of living in Surrey. This includes:

• Electricity & heating ≈ $120
• Water & garbage ≈ $40
• High-speed internet ≈ $90

Energy-efficient homes or strata-included bills can reduce the overall living in Surrey.

3️⃣ Transportation Expenses

If you commute to Vancouver, factor in transit or car costs:

• Public Transit (Compass Card): ≈ $120 monthly pass
• Car insurance & gas: ≈ $300 – $400 monthly

Location choice can impact the living in Surrey, especially if you drive daily.

4️⃣ Grocery & Food Expenses

Groceries range from $400 for singles to $1,000 for a family of four each month. Dining out adds $150 – $300. Local farmers’ markets and discount chains help manage the living in Surrey without compromising on quality.

5️⃣ Childcare & Education Costs

Families considering the cost of living in Surrey should plan for:

• Daycare fees ≈ $1,000 – $1,500 monthly per child
• Public schools – no tuition
• Private schools ≈ $10k – $20k per year

Community centers and affordable activities make family life in Surrey rewarding and budget-friendly.

6️⃣ Healthcare & Insurance

BC’s MSP covers most medical needs, but extras like dental or vision care cost extra. Expect $150 – $200 monthly for private coverage. It’s a small portion of the cost of living in Surrey that adds peace of mind.

7️⃣ Lifestyle & Recreation Costs

Gyms, shopping, and entertainment add $200 – $400 per month to the average living in Surrey. The city’s parks, events, and free community spaces make life enjoyable at low cost.

💰 Average Monthly Cost Breakdown (2025)

Frequently Asked Question(FAQs)