Thinking about attending the University of Toronto in 2026? You're considering one of Canada's most prestigious universities and a top-ranked institution globally. As someone who's navigated the Toronto student scene, I'm here to give you the real talk about what to expect at U of T.

Why University of Toronto?

U of T consistently ranks among the top 25 universities worldwide and is Canada's top-ranked university. But rankings aside, here's what actually matters: you'll be studying in one of the world's most multicultural cities, with access to incredible research opportunities, co-op programs, and a network that spans the globe.

The university has produced 10 Nobel laureates, 5 Canadian prime ministers, and countless industry leaders. But more importantly, you'll be joining a community of 97,000+ students from over 160 countries.

The Three Campuses: Which One is Right for You?

St. George Campus (Downtown Toronto)

The main campus is right in the heart of downtown Toronto. Think Gothic Revival architecture mixed with modern buildings, surrounded by the energy of Canada's largest city. This is where you'll find:

• The largest selection of programs and courses
• 11 unique colleges (more on this below)
• Major research facilities and libraries
• Walking distance to restaurants, entertainment, and transit

Best for: Students who want the full urban university experience and access to the widest range of programs.

University of Toronto Mississauga (UTM)

Located about 33 km west of downtown, UTM sits on 225 acres of forest along the Credit River. It's a completely different vibe:

• More suburban, nature-oriented campus
• Smaller class sizes on average
• Strong business and forensic science programs
• Shuttle bus service to St. George campus
• Near Toronto Pearson Airport and 60+ Fortune 500 company headquarters

Best for: Students who prefer a quieter environment but still want access to the GTA.

University of Toronto Scarborough (UTSC)

Located in Toronto's east end, UTSC is known for its distinctive Brutalist architecture (you might recognize it from The Weeknd's music videos). Key features:

• 50+ co-op programs — the most of any U of T campus
• Strong programs in management, sciences, and arts
• More affordable housing options nearby
• Growing campus with new facilities

Best for: Students interested in co-op/work-integrated learning and those looking for more affordable living options.

Admission Requirements for 2026

Application Deadlines

• Early Application: November 7, 2025
• Regular Deadline: January 15, 2026
• Some programs (Engineering, Commerce, Computer Science) may have earlier supplementary application deadlines

What You Need

For Canadian Students:

• Ontario students: Six Grade 12 U/M courses including program prerequisites
• Competitive average varies by program (generally 85%+ for most programs, 90%+ for competitive ones)
• Some programs require supplementary applications

For International Students:

• High school completion with strong academic standing
• English proficiency: IELTS 6.5+ (no band below 6.0) or TOEFL 100+
• Program-specific prerequisites (especially for Engineering, Business, Sciences)
• Some programs may consider SAT/ACT scores

Acceptance Rates

Here's the reality: U of T receives over 110,000 undergraduate applications annually. The overall acceptance rate is around 43%, but this varies dramatically by program:

• Computer Science: Extremely competitive (roughly 1 in 16 applicants)
• Engineering: Highly competitive (mid-90s average typically required)
• Rotman Commerce: Very competitive (supplementary application required)
• Arts & Science: More accessible but still competitive

Tuition Fees 2025-2026

Domestic Students (Canadian/PR)

• Arts & Science: ~$6,100 - $8,000/year
• Engineering: ~$14,180/year (Ontario residents), ~$16,890 (out-of-province)
• Commerce: ~$16,000 - $18,000/year

International Students

• Arts & Science: ~$60,000 - $62,000/year
• Engineering: ~$70,060/year
• Commerce: ~$60,000+/year
• UHIP (Health Insurance): $792/year (mandatory)

Note: International tuition increases 3-5% annually. Budget accordingly for your full degree.

The College System (St. George Campus)

One unique thing about U of T St. George is the college system. When you're admitted, you're placed in one of 11 colleges:

• University College (UC): The oldest, known for diverse community
• Trinity College: Smaller, traditional, strong sense of community
• Victoria College (Vic): Known for humanities, beautiful campus
• St. Michael's College (SMC): Catholic heritage, welcoming to all
• Innis College: Smaller, focus on urban studies and film
• New College: Diverse, Caribbean and African studies
• Woodsworth College: Primarily for part-time and mature students

Your college provides residence (first year), dining halls, academic advisors, and a smaller community within the larger university. Research each college — they have different vibes and residence styles.

Student Housing

On-Campus Residence

• Cost: $10,000 - $18,000/year (varies by college and meal plan)
• Guaranteed for first-year students who apply by deadline
• Great for making friends and adjusting to university life
• Apply early — popular colleges fill up fast

Off-Campus Housing

After first year, most students move off-campus. Expect to pay:

• Shared room/apartment: $800 - $1,200/month
• Bachelor/studio: $1,500 - $2,000/month
• One-bedroom: $2,000 - $2,500/month

Popular student neighbourhoods: The Annex, Harbord Village, Kensington Market (for St. George), and areas near each satellite campus.

What I Wish I Knew Before Starting

1. It's Academically Intense

U of T has a reputation for being challenging. The workload is heavy, and the curve can be brutal in some programs. This isn't meant to scare you — just be prepared to work hard and use resources like office hours, writing centres, and study groups.

2. Get Involved Early

With 1,000+ student clubs and organizations, there's something for everyone. Join clubs during Frosh Week — it's the best way to make friends outside your program.

3. Use the Resources

Your tuition includes access to incredible resources most students never use:

• Career & Co-Curricular Learning Network
• Writing centres and academic success programs
• Health & Wellness services
• Free gym access at athletic centres
• Library system with 44 libraries

4. Toronto is Expensive

Budget carefully. Beyond tuition and rent, expect to spend $1,000-1,500/month on food, transit, phone, and entertainment. Look into work-study programs and on-campus jobs.

5. The TTC is Your Friend

Get a PRESTO card and learn the subway system. Students can buy a discounted TTC pass. The St. George campus is right on the subway line (St. George and Queen's Park stations).

Key Dates for 2026 Entry

• September 2025: OUAC application opens
• November 7, 2025: Early application deadline
• January 15, 2026: Regular application deadline
• February - April 2026: Supplementary application deadlines (varies by program)
• May 2026: Offers of admission sent
• June 1, 2026: Deadline to accept offer
• September 2026: Classes begin

Final Thoughts

U of T isn't for everyone — it's challenging, competitive, and can feel overwhelming in a city this big. But if you're ready for it, you'll get a world-class education, make connections that last a lifetime, and graduate with a degree that opens doors globally.

My advice: visit the campus if you can, talk to current students, and really think about which campus and college fit your personality. And once you're here, don't just study — explore Toronto. It's one of the best parts of the experience.

Good luck with your application!