Last update: Oct 2026

Cost of Living Comparison Between Hamamatsu and Okinawa

For one person, living is cheaper in Hamamatsu: $783 a month against $1,388 in Okinawa, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

38

Cost of Living Index in Hamamatsu
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Hamamatsu Living Index
66

Cost of Living Index in Okinawa
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Okinawa Living Index

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Hamamatsu

🇯🇵 Japan

$783

/mo nomad

Okinawa

🇯🇵 Japan

$1,388

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamamatsu and in Okinawa

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Hamamatsu and in Okinawa actually costs, broken down by who's living it.

Monthly costs for one person with rent: $783 in Hamamatsu versus $1,388 in Okinawa.

Hamamatsu $783
Okinawa $1,388

Estimated couple costs with rent: $1,266 in Hamamatsu versus $2,184 in Okinawa.

Hamamatsu $1,266
Okinawa $2,184

Monthly costs for a family of three with rent: $1,750 in Hamamatsu versus $2,980 in Okinawa.

Hamamatsu $1,750
Okinawa $2,980

Living in Hamamatsu costs roughly 44% less than in Okinawa, and outside of rent the biggest gap is in leisure.

The two cities straddle the global median: Hamamatsu is 42% below, Okinawa is 2% above.

Meal at Budget Restaurant

$3.90 ¥614

$10.12 ¥1,594

-61.46%

Three-Course Dinner for Two, Mid-Range

$41.78 ¥6,581

$40.24 ¥6,338

3.83%

Fast Food Meal (McDonalds, etc)

$5.19 ¥818

$7.04 ¥1,109

-26.28%

Cappuccino

$3.41 ¥538

$4.11 ¥647

-17.03%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.10 ¥173

$1.40 ¥221

-21.43%

Water (0.33 liter bottle)

$0.75 ¥118

$0.92 ¥145

-18.48%

Local Beer (0.5 liter draught)

$2.61 ¥411

$2.51 ¥395

3.98%

Imported Beer (0.33 liter bottle)

$3.11 ¥489

$5.27 ¥830

-40.99%

Milk (1 liter)

$1.08 ¥170

$1.58 ¥248

-31.65%

White Bread (500g)

$1.70 ¥267

$2.05 ¥323

-17.07%

Rice (white) (1kg)

$3.67 ¥578

$3.76 ¥592

-2.39%

Eggs

$1.68 ¥265

$1.84 ¥289

-8.70%

Local Cheese (1kg)

$10.25 ¥1,615

$17.99 ¥2,834

-43.02%

Chicken Fillets (1kg)

$6.17 ¥971

$4.79 ¥755

28.81%

Beef Round Steak (1kg)

$14.24 ¥2,242

$22.45 ¥3,537

-36.57%

Apples (1kg)

$5.80 ¥914

$3.81 ¥601

52.23%

Banana (1kg)

$2.84 ¥447

$2.62 ¥412

8.40%

Oranges (1kg)

$2.95 ¥465

$2.20 ¥346

34.09%

Tomato (1kg)

$4.30 ¥678

$5.26 ¥829

-18.25%

Potato (1kg)

$2.61 ¥412

$2.39 ¥376

9.21%

Onion (1kg)

$2.59 ¥407

$2.56 ¥403

1.17%

Lettuce (1 head)

$1.29 ¥204

$1.28 ¥201

0.78%

Water (1.5 liter bottle)

$0.66 ¥104

$0.77 ¥122

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.89 ¥612

$3.90 ¥615

-0.26%

Wine (Bottle)

$6.39 ¥1,006

$6.40 ¥1,008

-0.16%

Local Beer (0.5 liter bottle)

$1.82 ¥287

$1.95 ¥307

-6.67%

Imported Beer (0.33 liter bottle)

$2.10 ¥331

$3.34 ¥527

-37.13%

One-way Ticket (Public Transport)

$1.44 ¥226

Public Transport Monthly Pass (Regular Price)

$50.1 ¥7,896

$65.1 ¥10.3K

-23.00%

Taxi Start (Normal Tariff)

$3.11 ¥489

$3.82 ¥602

-18.59%

Taxi (Normal Tariff) (1km)

$2.63 ¥414

$3.54 ¥558

-25.71%

Taxi 1hour Waiting (Normal Tariff)

$20.62 ¥3,248

$11.23 ¥1,768

83.62%

Gasoline (1 liter)

$1.06 ¥167

$1.11 ¥174

-4.50%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$21.6K ¥3.4M

$20.9K ¥3.3M

3.24%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$15.8K ¥2.5M

$15.5K ¥2.4M

1.86%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$130 ¥20.5K

$163 ¥25.6K

-19.87%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$8.59 ¥1,353

$25.35 ¥3,994

-66.11%

Internet (50+ Mbps, Unlimited Data)

$32.78 ¥5,164

$53.1 ¥8,360

-38.23%

Gym Membership (Monthly)

$73.0 ¥11.5K

Tennis Court (1 Hour on Weekend)

$17.40 ¥2,741

$54.9 ¥8,650

-68.32%

Cinema Ticket

$13.08 ¥2,060

$11.98 ¥1,888

9.18%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$819 ¥129.0K

$327 ¥51.6K

150.22%

International Primary School, 1 Child (Yearly)

$14.8K ¥2.3M

$5,668 ¥892.8K

161.78%

Jeans (Levis 501 Or Similar)

$63.6 ¥10.0K

$48.88 ¥7,700

30.18%

Summer Dress (H&M, Zara, etc)

$37.10 ¥5,844

$23.35 ¥3,678

58.89%

Sport Shoes (Adidas, Nike)

$61.3 ¥9,655

$81.2 ¥12.8K

-24.54%

Men's Leather Business Shoes

$103 ¥16.2K

$95.7 ¥15.1K

7.83%

1-bedroom Apartment, City Center (Monthly)

$411 ¥64.8K

1-bedroom Apartment, Outside City Center (Monthly)

$332 ¥52.3K

3-bedroom Apartment, City Center (Monthly)

$852 ¥134.3K

3-bedroom Apartment, Outside City Center (Monthly)

$678 ¥106.8K

Buy Apartment in City Center (m2)

$7,787 ¥1.2M

$8,422 ¥1.3M

-7.54%

Buy Apartment Outside City Center (m2)

$5,298 ¥834.5K

$1,185 ¥186.6K

347.12%

Average Monthly Net Salary (After Tax)

$1,602 ¥252.4K

$1,798 ¥283.2K

-10.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.64

2.23

18.39%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Hamamatsu: October 24, 2026

Last update for Okinawa: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Hamamatsu

$285 36.4%

Okinawa

$330 23.8% 15.7% $45

Monthly Utilities & Internet

Hamamatsu

$172 21.9%

Okinawa

$241 17.4% 40.4% $69

Clothing & Footwear

Hamamatsu

$119 15.2%

Okinawa

$112 8.1% 6.1% $7.2

Eating Out

Hamamatsu

$114 14.6%

Okinawa

$184 13.2% 60.7% $69

Getting Around

Hamamatsu

$66 * 8.5%

Okinawa

$92 6.7% 39.2% $26

Sport & Entertainment

Hamamatsu

$26 * 3.3%

Okinawa

$97 7% 271% $71

Accommodation & Living

Hamamatsu

- * 0%

Okinawa

$332 23.9%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Okinawa pays 12% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $42 in Hamamatsu vs $40 in Okinawa. Groceries flip the comparison at $285 vs $330, with Hamamatsu cheaper for home cooking.

Good to know

🇯🇵 Hamamatsu

🇯🇵 Okinawa

🕒 Local time

05:18 5:18 AM

Same time as Hamamatsu

🌤 Weather

👥 Population

797,033

142,752

💱 Currency

Japanese Yen JPY ¥

📈 Exchange rate

1,000 JPY = 6.35 USD

1,000 JPY = 5.69 EUR

1,000 JPY = 6.35 USD

1,000 JPY = 5.69 EUR

Exchange rates and currency converter

On the map

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Between locations

Hamamatsu Okinawa 1,310 km ≈ 2 h 15 min nonstop flight

From you

Hamamatsu
Okinawa

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Hamamatsu vs Okinawa: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $783 in Hamamatsu and $1,388 in Okinawa, so Hamamatsu is about 44% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 11% lower in Hamamatsu. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 16% higher in Okinawa. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Okinawa – a meal for two runs $40 versus $42 in Hamamatsu. If you eat out regularly, this makes a real dent in your monthly spending.

At $783 in Hamamatsu versus $1,388 in Okinawa, a $1,200 budget is realistic in Hamamatsu but tight or insufficient in Okinawa. The gap between the two cities makes Hamamatsu the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Hamamatsu and Okinawa are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Hamamatsu wins on affordability, Okinawa on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.