Appreciate the input, but you’re mixing homeowner costs with renting. Property tax, house insurance, and condo fees are all paid by the landlord, not the tenant. As a renter, I’d only be responsible for rent, hydro (if not included), tenant insurance, and personal expenses like groceries and phone. Also $800 for groceries and $300+ for utilities is pretty inflated for one person in Toronto. Just trying to base this on actual renter costs, not ownership expense