As with all things, the cost of living in Sarnia depends on your choices. Specifically, your lifestyle and the types of expenses that you incur day to day. While Sarnia saw double-digit increases in the average price of homes in the last year, it’s still one of the more affordable real estate markets in Ontario. Choosing to rent rather than buying a home would alter your cost of living, along with how far you work, and how you get to that job. Sarnia has public transit, which is a more affordable form of transportation. But it might not be the most efficient way of getting around, and you might need a car, and insurance in order to operate it. It’s worth mentioning that Ontario has the highest car insurance rates in the country. And Sarnia was recently ranked as having the fourth highest property tax rate in Ontario.