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Canada · first apartment · 2026
Deposit · rent · timeline

Ottawa, ON Move Out Calculator: How Much Do You Need to Move Out?

Planning to move out in Ottawa? Find out exactly how much money you need with our free move-out calculator. In Ottawa, the average 1-bedroom apartment costs CA$1,850/month, you'll need approximately CA$4,700 in upfront costs, and a minimum salary of CA$74,000/year to live comfortably. Ottawa is considered a moderate cost city - use the calculator below to get your personalized budget.

Quick answer: plan on at least CA$4,700 upfront and CA$74,004/yr income (30% rule) in Ottawa, ON.

By Sammy S. · Founder · AuthorUpdated for 2026

CA$1,850

avg 1BR rent

CA$4,700

min upfront

CA$6,167

min monthly income

CA$9,250

recommended savings

Move out budget calculator
Ready
Estimate upfront costs, rent-to-income, and when you can afford your first apartment. City-specific rents for the US, Canada, UK, and Australia.

Your money & rent target

After-tax income, savings, and the rent you're aiming for — then run a detailed breakdown.

CA$
CA$
CA$
CA$1,295Avg CA$1,850CA$2,405

30% rule max: CA$1,350/mo

Off by default — turn on only if your lease requires one.

Refine your plan

Optional profile, living setup, and safety buffer — applied when you run the detailed breakdown.

Off by default — turn on only if your lease requires a deposit.

3 mo
1 mo · risky3 mo · recommended6 mo · safe

How to use

  1. 1Enter monthly income and current savings
  2. 2Ottawa rent is pre-filled — adjust if needed
  3. 3Choose living alone, with a roommate, or with a partner
  4. 4See upfront costs, rent ratio, and your move-out timeline

Ottawa cost estimates

RentEstimate
1BR avgCA$4,700
2BR avgCA$5,700
RecommendedCA$9,250

Includes first month + moving/setup (calculator default). Add a deposit in the tool if your lease requires one.

How much does it cost to move out in Ottawa, ON? (2026)

In Ottawa, the average one-bedroom rents for CA$1,850/month. Using the same defaults as the calculator below (first month + moving/setup; security deposit off), plan on about CA$4,700 before furniture — and CA$9,250–CA$12,950 total if you also build a starter emergency fund. Toggle deposit on in the calculator if your lease requires one. Housing here is 8% above the US national average (index 108 vs 100).

Avg 1BR rent
CA$1,850/mo
Min income (30% rule)
CA$74,004/yr
Move-in cash (est.)
CA$4,700
Recommended savings
CA$9,250

Ottawa rent prices: 1-bedroom vs 2-bedroom

1-bedroom
CA$1,850
/month average
2-bedroom
CA$2,350
/month average

Downtown and premium neighborhoods often run 15–30% higher; suburbs can run 10–25% lower than citywide averages. Ottawa is a moderate-cost market where the 30% rent rule is achievable for many full-time workers at median incomes.

Upfront move-in costs in Ottawa

Matches the calculator defaults for average 1BR rent (including last month upfront). Security deposit is off until you turn it on.

Cost itemAmount
First month's rentCA$1,850
Last month's rentCA$1,850
Moving costs (est.)CA$500
Utility deposits (est.)CA$200
Setup & misc (est.)CA$300
Total upfront (no furniture)CA$4,700

Add $800–$2,000+ for minimal-to-moderate furniture if you are not bringing belongings. Pet deposits add more if applicable.

Monthly budget after you move in

Recurring costs for a solo renter at the average 1BR in Ottawa.

Rent
CA$1,850
avg 1BR
Utilities
CA$120
avg in Ottawa
Renters insurance
~CA$18
per month
Groceries
$300–$450
single person
Transportation
$80–$600
car vs transit
Phone & internet
$70–$120
per month
Estimated monthly essentials
CA$2,538/month

Before dining out, subscriptions, or debt payments

Emergency fund target
CA$7,614–CA$15,228
3–6 months (CFPB)

Salary needed to rent in Ottawa

HUD 30% standard
CA$6,167
/month gross
CA$74,004/year
Landlord requirement (2.5×–3×)
CA$4,625–CA$5,550
/month gross
CA$55,500–CA$66,600/year

Gross requirements do not equal what hits your bank account. Estimate your take-home before you apply.

Roommate option in Ottawa

Splitting a 2BR (~CA$2,350/mo average) is a common way to cut costs.

Solo 1BR
CA$1,850
/month per person
Shared 2BR
CA$1,293
/month per person
Save CA$557/mo

Estimated roommate upfront costs: CA$3,886 — shared moving costs and a lower rent base.

Deposit and tenant rules in Ottawa, ON

Ontario landlords cannot charge a security deposit on residential rentals — only last month's rent may be collected in advance (Rent Control Act). In Ottawa, budget for first month plus last month upfront, not a separate deposit.

How Ottawa compares to other metros

Same country, average 1BR rent and estimated upfront costs.

CityAvg rentvs OttawaUpfront
Toronto, ONCA$2,110/mo+CA$260~CA$5,220
Vancouver, BCCA$2,400/mo+CA$550~CA$3,400
Montreal, QCCA$1,450/mo−CA$400~CA$2,450
Calgary, ABCA$1,600/mo−CA$250~CA$2,600
Edmonton, ABCA$1,240/mo−CA$610~CA$2,240
Winnipeg, MBCA$1,200/mo−CA$650~CA$2,200

Hidden costs first-time renters miss in Ottawa

Application fees
$25–$75
per application
Internet install
$100–$150
new service
Parking
$0–$250/mo
if not included
Window treatments
$100–$400
if unfurnished
Laundry
$30–$80/mo
no in-unit W/D
Key / fob deposit
$50–$200
often refundable

These items often add $2,000–$5,000 in the first year beyond rent and deposit.

Planning your timeline

13months

If you need CA$9,250 total and can save CA$740/month after living expenses. Use the calculator above with your actual income and savings for a personalized date.

Ottawa rent and cost data reflects 2026 averages used in this calculator (COL index 108). Lease terms vary by landlord and neighborhood. Verify local tenant law and listing details before signing. Compare all cities or read our national move-out guide.

Ottawa housing & move-out guide

Local rent benchmarks, tips, and FAQs for first-time renters in Ottawa.

Ottawa quick facts

  • Average 1BR rent: CA$1,850/month
  • Average 2BR rent: CA$2,350/month
  • Cost of living index: 108 (US avg = 100)
  • Security deposit: Not typically required
  • Last month's rent: Usually required upfront
  • Average utilities: CA$120/month

Tips for moving to Ottawa

  1. 1Ottawa has moderate housing costs. The 30% rent-to-income rule is achievable here.
  2. 2Landlords in Ottawa often require first and last month's rent upfront.
  3. 3Good news: Security deposits are limited or prohibited in most of ON.
  4. 4Start your apartment search 1-2 months before your target move date.
  5. 5Get renters insurance - it's affordable (around CA$20/month) and protects your belongings.

The total upfront cost to move out in Ottawa typically ranges from CA$4,625 to CA$7,400, depending on your apartment and setup needs. This includes first month's rent (CA$1,850), security deposit (if required), and move-in essentials.

Following the 30% rule, you'd need a monthly income of at least CA$6,167 (CA$74,000/year) to comfortably afford the average 1BR in Ottawa. Many landlords require proof of income 2-3x the monthly rent.

Ottawa has a cost of living index of 108 compared to the US average of 100. This means it's 8% more expensive than the national average. Housing is the biggest factor, with average rents of CA$1,850/month for a 1BR.

We recommend saving at least CA$9,250 to CA$12,950 before moving to Ottawa. This covers upfront costs (CA$4,625-CA$6,475) plus a 2-3 month emergency fund.

Beyond rent and deposit, budget for: utilities setup (CA$120/month), internet (~CA$70/month), renters insurance (~CA$20/month), moving costs (CA$200-CA$1,500), and household essentials (CA$500-CA$2,000).

To live alone in Ottawa, you need a stable income of at least CA$74,000/year and savings of CA$9,250+. If your income is lower, consider getting a roommate - this can reduce your housing costs by 30-40% and make Ottawa more affordable.

As of 2026, the average rent in Ottawa is CA$1,850/month for a 1-bedroom apartment and CA$2,350/month for a 2-bedroom. Prices vary by neighborhood - areas outside the city center tend to be 10-20% cheaper.

Security deposits are limited or not commonly required in Ottawa. Additionally, most landlords require last month's rent upfront, adding another CA$1,850 to your move-in costs.

Ottawa is suitable for first-time renters with steady income. The rental market offers good options for newcomers. Use our calculator to determine if Ottawa fits your budget.

If you can save CA$925/month, you'll need about 10 months to save enough for Ottawa. With more aggressive saving (CA$1,480/month), you could be ready in 7 months. Our calculator shows your personalized timeline.

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