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Americans in Toronto

Everything you need to move to, rent in and enjoy Toronto as an American, and how it fits with your US taxes, money and paperwork.

Official US

Consulate General

U.S. Consulate General Toronto

US consular post: passports, citizen services, visas; reports to the US Embassy Ottawa

360 University Avenue, Toronto, ON M5G 1S4

Website · Map · +1 416 595 1700

Your community group

ExpatStateside Canada: Americans in Canada

Free group for Americans in Canada: questions, tips, meetups, Thanksgiving and the Super Bowl.

Opening soon

Vote from TorontoRegister and request your ballot with one form, the FPCA. Send a new one every January.

How to vote

Toronto Partners

Global partner · online

The emotional move

A move abroad changes more than your address. Katharina Bergauer (innsicht) supports individuals, couples and families before the move and until everyone feels at home. Online, in English or German.

Book a first conversation

Katharina Bergauer

innsichtEintragungsnummer: 17784

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Your business here: partner in Toronto

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Guides for life in Toronto

Basics

Cost of living in Toronto vs Chicago: where your dollar goes further

Toronto rents look a lot like Chicago's once you convert the loonie. Health care costs less out of pocket, taxes cost more. Here's the side-by-side, in CAD and USD.

Basics

Your first weeks in Toronto: SIN, phone plan, photo ID and a family doctor

The first month in Toronto is a paperwork sprint. Here's the order we'd do it in: SIN, phone, health card, transit and a family doctor.

Basics

Winter in Toronto: long, gray and slushy, and very doable

Toronto winters are long, gray and slushy more than brutal. Here are the real numbers, what to buy, the snow-shoveling rules, winter tires and how to handle the dark months.

Money and work

Canadian taxes for Americans: how the CRA and the IRS fit together

Move to Toronto and the CRA taxes your worldwide income, while the IRS still taxes you as a citizen. Here's how residency, the treaty, credits and Social Security fit together.

Money and work

Banking in Canada as an American: the FATCA form, the big five and your US dollars

Canadian banks open accounts for Americans every day. Expect a FATCA question, bring your passport and permit, and learn Interac e-Transfer fast.

Money and work

RRSP, TFSA and FHSA: which Canadian accounts work for Americans and which backfire

Your Canadian coworkers swear by the TFSA. For a US citizen it can be a tax and paperwork headache. Here's what the IRS sees in each account.

Money and work

Building Canadian credit: why your 800 FICO stays at the border

Your US credit score doesn't cross the border. Here's how Equifax and TransUnion Canada work, how secured cards and newcomer programs help, and how fast you can build a file.

Home

Renting in Toronto: what Americans need to know before signing

Ontario caps deposits at one month's rent and makes landlords use a standard lease. Here's how Americans find an apartment in Toronto, what it costs and how to dodge the scams.

Home

Tenant rights in Ontario: rent control, the standard lease and the LTB

Ontario tenants get more protection than most Americans are used to. Here's how the standard lease, rent control and its 2018 loophole, N12 and N13 notices and the LTB work.

Moving and visas

Moving to Toronto as an American: the visa routes that actually work

Canada is next door, but you still need a legal route to live and work in Toronto. Here are the ones that work for Americans, from CUSMA permits to spousal sponsorship.

Moving and visas

Working in Canada as an American: CUSMA permits, LMIAs and the road to permanent residence

Americans have a fast lane into Canadian jobs: the CUSMA professional permit, often issued right at the border. Here's how it works and how to turn it into permanent residence.

Health

Healthcare in Toronto: how OHIP works day to day, and what it doesn't cover

OHIP means no bills at the doctor or the ER. It doesn't mean free prescriptions, dentists or glasses. Here's how to fill the gaps in Toronto.

Health

Getting OHIP: who qualifies, what to bring and how to cover the gap

Ontario dropped its three-month wait, so OHIP can start as soon as you're approved. Here's who qualifies, what to bring and how to stay covered until then.

Schools and study

Schools in Toronto: public boards, French immersion, private schools and the road to US colleges

Toronto's public schools are free for most work permit families. Here's how the four boards, French immersion and private schools work, and how kids apply to US colleges.

Schools and study

University in Canada for Americans: OUAC, fees and your FAFSA

How American students apply to Ontario universities through OUAC, what international tuition really costs, how the study permit works and which Canadian schools take US federal loans.

Getting around

Driving in Toronto on a US license: the 60-day rule, the license swap and life without a car

Your US license works for 60 days after you move to Ontario. Then you swap it, no road test needed for most. Here's that, plus insurance, tolls and transit.

Getting around

TTC, GO and the trip home: Toronto transit and the US border

How to pay for the TTC and GO, get to Pearson or Billy Bishop, clear US customs before you fly, drive home via Buffalo or Detroit, and what you can bring back each way.

Community

American life in Toronto: two Thanksgivings, two national days and the Jays

In Toronto you get two Thanksgivings, Canada Day before the Fourth, and a city that went all in on the Blue Jays. Here's how Americans find their people and keep their traditions.

Going out

American food in Toronto: Costco runs, NFL Sundays and a turkey in November

Toronto feels close to home in the grocery aisle, but a few things are different. Here's where to find US favorites, watch the NFL and score a November turkey.

Going out

Nightlife in Toronto: neighborhoods, live music and Ontario's 2 a.m. last call

Toronto goes out hard on Queen West and Ossington, then stops on the dot at 2 a.m. Here's where to go, what the rules are and how to get home.

America in Toronto

The embassy or consulate, business groups, clubs, sport, schools, churches and a taste of home. Checked 2026-11; tell us if something has changed.

Official US

Consulate General

U.S. Consulate General Toronto

US consular post: passports, citizen services, visas; reports to the US Embassy Ottawa

360 University Avenue, Toronto, ON M5G 1S4

Website · Map · +1 416 595 1700

Business and networking

Chamber

American Chamber of Commerce in Canada (AmCham Canada), Toronto-GTA Chapter

US-Canada business association with a Toronto-GTA chapter

Toronto, ON

Website · Map · info@amchamcanada.ca · LinkedIn

Clubs and associations

Club

American Women's Club of Southern Ontario (AWCO)

Social and charitable club since 1977 for American women and women with US ties; based in Oakville, west of Toronto

Oakville, ON

Website · Map · Facebook · Instagram · X

Party groups abroad

Listed side by side for information. We are nonpartisan.

Party group

Democrats Abroad Canada

Official Democratic Party country committee for US citizens in Canada, with a Toronto chapter

Canada

Website · Map · +1 888 730 4223

Party group

Republicans Overseas

Republican-aligned organization for Americans living abroad; voter engagement and overseas-tax advocacy

Website · Map

Schools and universities

University

Northeastern University – Toronto

Toronto campus of Boston-based Northeastern University offering graduate programs

375 Queen Street West, Toronto, ON M5V 2A5

Website · Map · +1 888 660 6938

School

The Bishop Strachan School

Girls' school, JK to grade 12; Ontario curriculum with Advanced Placement (AP) courses

298 Lonsdale Road, Toronto, ON M4V 1X2

Website · Map · +1 416 483 4325 · Instagram · LinkedIn

School

Havergal College

Girls' school, JK to grade 12 with boarding; Ontario curriculum with AP courses and AP Capstone

1451 Avenue Road, Toronto, ON M5N 2H9

Website · Map · +1 416 483 3519 · Facebook · Instagram · YouTube

School

St. Clement's School

Girls' school, grades 1 to 12; Ontario curriculum with AP and AP Capstone

21 St. Clements Avenue, Toronto, ON M4R 1G8

Website · Map · +1 416 483 4414 · Facebook · Instagram · X · LinkedIn · YouTube

School

Royal St. George's College

Boys' school, grades 3 to 12; Ontario curriculum with AP courses in grades 11-12

120 Howland Avenue, Toronto, ON M5R 3B5

Website · Map · Facebook · Instagram

School

Bayview Glen

Co-ed, preschool (from age 2) to grade 12; Ontario curriculum with AP programme in Upper School

275 Duncan Mill Road, Toronto, ON M3B 3H9 (Preschool and Lower School); 85 Moatfield Drive, Toronto, ON M3B 3L6 (Prep and Upper School)

Website · Map · +1 416 443 1030 · admissions@bayviewglen.ca · Facebook · Instagram · X · YouTube

US university campus

Niagara University in Ontario

Ontario campus of Niagara University (New York); teacher education (BPS) under Ontario ministry consent, in Vaughan just north of Toronto

2904 Highway 7, Suite 113, Vaughan, ON

Website · Map · +1 905 294 7260 · Facebook · Instagram · X · LinkedIn · YouTube

School

La Citadelle International Academy of Arts & Science

Daycare (PrepK/PreK) to grade 12; IB Middle Years Programme (grades 6-10) plus Pre-AP (grades 9-10) and Advanced Placement (AP) courses (grades 11-12); Ontario curriculum

36 Scarsdale Road, North York, ON M3B 2R7

Website · Map · +1 416 385 9685 · info@lacitadelleacademy.com · Facebook · Instagram · YouTube

School