Cost of Living in Regina (2026)
Regina is one of the most affordable provincial capitals in Canada for renters and first-time buyers. Here is what housing, transit, utilities and taxes cost, with two sample monthly budgets.
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How much does it cost to live in Regina?
The cost of living in Regina for a single person renting a one-bedroom is typically about $2,350 to $3,250 a month, and about $5,150 to $7,350 for a family of four, based on CMHC rent data and typical household costs. Rent and home prices are low for a capital city, while heating and car costs are the main extras.
The cost of living in Regina is lower than in most Canadian cities of its size. A single renter usually spends about $2,350 to $3,250 a month on essentials and modest extras, and a family of four about $5,150 to $7,350. Rent is modest by national standards, although it has risen since 2022 as vacancy tightened.
As the provincial capital, Regina has a large public sector, including the head offices of several Saskatchewan Crown corporations, alongside agriculture, energy and the University of Regina. The costs to watch are winter heating, vehicles and an 11% combined sales tax on most purchases.
For the provincial picture, see our guide to budgeting in Saskatchewan, and compare with the province's largest city in our cost of living in Saskatoon guide.
Average rent in Regina
Average rent in Regina for a purpose-built one-bedroom was in the range of about $1,100 to $1,300 a month in CMHC's recent Rental Market Surveys (October 2024 and 2025). Newly listed and recently renovated units usually ask more than the survey average.
| Unit type | Typical range | What to expect |
|---|---|---|
| Bachelor | $850 to $1,000 | Older buildings downtown and in Cathedral |
| One bedroom | $1,100 to $1,300 | Heat and water often included in older walk-ups |
| Two bedroom | $1,300 to $1,550 | Common for roommates and small families |
| Three bedroom | $1,550 to $1,950 | Mostly townhouses and houses in newer suburbs |
Cathedral, Lakeview and the area around Wascana Centre cost more for their location. Newer suburbs such as Harbour Landing offer modern townhouses, while north-end neighbourhoods usually have lower rents. Saskatchewan does not cap rent increases, but landlords must give written notice. Test a listing with our rent affordability calculator and compare with average rent in Canada.
Is it affordable to buy a home in Regina?
Buying a home in Regina is more affordable than in most Canadian cities. Home prices have stayed well below the national average, and Saskatchewan has no land transfer tax, only a land titles registration fee that is far smaller than transfer taxes in Ontario or BC. That makes Regina a common choice for first-time buyers.
Lower prices mean a smaller down payment and a mortgage that fits more incomes. Run the numbers with our mortgage affordability calculator, and read how to save for a house in Canada for FHSA and down payment strategies. Remember to add property tax, home insurance and winter heating to any ownership budget.
Transit, taxes and getting around Regina
Regina Transit runs the city's buses, and an adult monthly pass has cost roughly $85 to $100 at recent fares. University of Regina students generally get a U-Pass through their fees. Most households own a car, and commutes are usually short. Basic auto insurance comes through SGI, the public insurer, with vehicle registration.
- Sales tax. 6% PST plus 5% GST, for 11% on most purchases. Basic groceries are exempt.
- Provincial income tax. Saskatchewan's lowest rate is 10.5%, and the basic personal amount is rising by $500 a year for four years starting in 2025. Our Saskatchewan salary calculator shows take-home pay.
- Federal income tax. The lowest federal rate is 14% for 2026, applied on top of the provincial amount.
- Graduate Retention Program. Eligible graduates who live and file in Saskatchewan can receive up to $20,000 in tuition rebates.
Budgets that update themselves
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Utilities, phone and internet in Regina
SaskPower supplies electricity, SaskEnergy supplies natural gas and the City of Regina bills water, sewer and waste. Winters are cold, so heating is the biggest utility cost from October to April.
For a one-bedroom apartment where the tenant pays power, utilities usually total about $130 to $220 a month, and less where heat is included. A detached house can reach $250 to $420 in January. Add about $120 to $170 for internet and one phone plan.
Sample monthly budget for Regina
These budgets are illustrative ranges built from CMHC rents, Regina Transit fares and typical household costs. They are not an official statistic. The family budget assumes two adults, two children, one car and one transit pass.
| Category | Single person | Family of four |
|---|---|---|
| Rent | $1,100 to $1,300 (1-bed) | $1,550 to $1,950 (3-bed) |
| Utilities | $130 to $220 | $250 to $420 |
| Internet and phones | $120 to $170 | $180 to $250 |
| Groceries | $350 to $450 | $1,200 to $1,500 |
| Transportation | $85 to $100 (transit pass) | $700 to $1,000 (car plus pass) |
| Child care | None | About $220 to $450 |
| Insurance (tenant, life) | $20 to $40 | $60 to $120 |
| Personal, clothing, household | $150 to $250 | $350 to $500 |
| Entertainment and dining | $150 to $300 | $250 to $450 |
| Savings | $250 to $400 | $400 to $700 |
| Total | About $2,350 to $3,250 | About $5,150 to $7,350 |
Child care assumes one or two children under six in regulated full-time care at Saskatchewan's $10 a day parent fee, about $217 a month per child. Before and after school care costs extra.
Figures checked September 2026; confirm current numbers with CMHC, Regina Transit and the Government of Saskatchewan.
Budgeting in Regina: practical tips
- If you plan to buy, open an FHSA early so contributions reduce your taxes while you save a down payment.
- Confirm which utilities are included in rent before comparing listings.
- Build a winter fund in the fall for heating, tires and a block heater.
- Use SaskEnergy's equal payment plan if you want predictable monthly gas bills.
- Track spending for a month before setting limits. EMOH Pay is free on iPhone, Android and the web, and savings goals show how close you are to a down payment.
- Check your numbers against our guide to budgeting in Canada.
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Get started free➜Cost of Living in Regina (2026): frequently asked questions
Is Regina a cheap place to live?
For a Canadian capital, yes. Rent and home prices are well below the national average, and there is no land transfer tax. Heating, cars and an 11% combined sales tax are the main costs to plan for.
What salary do you need to live comfortably in Regina?
A single renter spending about $2,800 a month needs roughly $45,000 to $55,000 a year before tax to cover costs and still save. A family of four with one car usually needs a combined household income of about $90,000 or more.
Is Regina cheaper than Saskatoon?
They are close. Regina rents have tended to run slightly lower than Saskatoon's in recent CMHC surveys. Taxes, SGI insurance and child care fees are identical because they are set by the province.
How much are utilities in Regina?
Expect about $130 to $220 a month for power and water in a one-bedroom apartment and $250 to $420 for a house in the coldest months, depending on insulation and furnace efficiency.
Does Saskatchewan have a land transfer tax?
No. Buyers in Saskatchewan pay a land titles registration fee to register the transfer, which is much lower than land transfer taxes in provinces such as Ontario and BC.
Sources and further reading
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