Moving to Toronto is exciting and overwhelming in equal measure. Whether you're coming from another Canadian city or across the world, this guide covers everything you need to know to get settled in Canada's largest city.
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Before You Arrive
- Immigration documents - Ensure your work permit, study permit, or PR card is ready. Check IRCC for requirements.
- Health insurance - OHIP coverage takes 3 months; buy private insurance for the gap
- Banking - Open a Canadian bank account (TD, RBC, BMO, Scotiabank are the big five)
- Phone plan - Research providers before arriving; Fido, Koodo, and Public Mobile offer affordable options
First Week Essentials
- Get a SIN - Social Insurance Number from Service Canada (required to work)
- Apply for OHIP - Ontario Health Insurance Plan at a ServiceOntario location
- Get a Presto card - For TTC and GO Transit at any subway station
- Set up banking - Bring ID, proof of address, and employment letter
Finding Housing
Toronto's rental market is competitive. Start looking 1-2 months before you need to move.
- Websites: Rentals.ca, Padmapper, Facebook Marketplace, Kijiji
- Typical requirements: First and last month's rent, credit check, references
- Avoid scams: Never send money before seeing the apartment in person
Understanding TTC
Toronto's transit system includes subways, streetcars, and buses all on one fare.
- Subway runs roughly 6am to 1:30am
- Transfers are free within 2 hours using Presto
- Blue Night buses run after subway closes
Neighbourhoods for Newcomers
- North York - Diverse, affordable, excellent transit on Yonge line
- Scarborough - More affordable, large immigrant communities
- Mississauga - Suburban feel, diverse, slightly lower rent
- Downtown - Walkable but expensive, central to everything
Making Friends
- Join Meetup groups for your interests
- Toronto Sports & Social Club offers recreational leagues
- Community centres run affordable classes
- Toronto Public Library hosts free events and language exchanges
Winter Survival
Toronto winters are cold (-10°C to -20°C in January/February). Invest in:
- A proper winter coat (Canada Goose or similar warmth)
- Insulated, waterproof boots
- Layers, hat, gloves, and a scarf
- Vitamin D supplements
