Last update: Oct 2026

Cost of Living Comparison Between Hamamatsu and Osaka

For one person, living is cheaper in Hamamatsu: $783 a month against $1,396 in Osaka, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

38

Cost of Living Index in Hamamatsu
Learn more

Hamamatsu Living Index
67

Cost of Living Index in Osaka
Learn more

Osaka Living Index

Jump to prices

Hamamatsu

🇯🇵 Japan

$783

/mo nomad

Osaka

🇯🇵 Japan

$1,396

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamamatsu and in Osaka

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 Osaka actually costs, broken down by who's living it.

Monthly costs for one person with rent: $783 in Hamamatsu versus $1,396 in Osaka.

Hamamatsu $783
Osaka $1,396

Estimated couple costs with rent: $1,266 in Hamamatsu versus $2,027 in Osaka.

Hamamatsu $1,266
Osaka $2,027

Monthly costs for a family of three with rent: $1,750 in Hamamatsu versus $2,658 in Osaka.

Hamamatsu $1,750
Osaka $2,658

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

The two cities straddle the global median: Hamamatsu is 42% below, Osaka is 3% above.

Meal at Budget Restaurant

$3.90 ¥614

$6.50 ¥1,024

-40.00%

Three-Course Dinner for Two, Mid-Range

$41.78 ¥6,581

$31.93 ¥5,029

30.85%

Fast Food Meal (McDonalds, etc)

$5.19 ¥818

$5.15 ¥812

0.78%

Cappuccino

$3.41 ¥538

$3.03 ¥477

12.54%

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

$1.10 ¥173

$1.39 ¥220

-20.86%

Water (0.33 liter bottle)

$0.75 ¥118

$0.71 ¥112

5.63%

Local Beer (0.5 liter draught)

$2.61 ¥411

$2.75 ¥433

-5.09%

Imported Beer (0.33 liter bottle)

$3.11 ¥489

$3.89 ¥612

-20.05%

Milk (1 liter)

$1.08 ¥170

$1.46 ¥229

-26.03%

White Bread (500g)

$1.70 ¥267

$1.30 ¥204

30.77%

Rice (white) (1kg)

$3.67 ¥578

$5.46 ¥861

-32.78%

Eggs

$1.68 ¥265

$2.03 ¥320

-17.24%

Local Cheese (1kg)

$10.25 ¥1,615

$9.63 ¥1,516

6.44%

Chicken Fillets (1kg)

$6.17 ¥971

$9.45 ¥1,489

-34.71%

Beef Round Steak (1kg)

$14.24 ¥2,242

$18.58 ¥2,926

-23.36%

Apples (1kg)

$5.80 ¥914

$3.39 ¥534

71.09%

Banana (1kg)

$2.84 ¥447

$2.00 ¥315

42.00%

Oranges (1kg)

$2.95 ¥465

$2.09 ¥329

41.15%

Tomato (1kg)

$4.30 ¥678

$4.14 ¥653

3.86%

Potato (1kg)

$2.61 ¥412

$1.57 ¥247

66.24%

Onion (1kg)

$2.59 ¥407

$1.17 ¥185

121.37%

Lettuce (1 head)

$1.29 ¥204

$1.37 ¥216

-5.84%

Water (1.5 liter bottle)

$0.66 ¥104

$0.81 ¥127

-18.52%

Cigarettes 20 Pack (Marlboro, Camel)

$3.89 ¥612

$4.02 ¥634

-3.23%

Wine (Bottle)

$6.39 ¥1,006

$9.72 ¥1,532

-34.26%

Local Beer (0.5 liter bottle)

$1.82 ¥287

$1.94 ¥305

-6.19%

Imported Beer (0.33 liter bottle)

$2.10 ¥331

$3.19 ¥502

-34.17%

One-way Ticket (Public Transport)

$1.35 ¥213

Public Transport Monthly Pass (Regular Price)

$50.1 ¥7,896

$32.79 ¥5,166

52.88%

Taxi Start (Normal Tariff)

$3.11 ¥489

$3.90 ¥615

-20.26%

Taxi (Normal Tariff) (1km)

$2.63 ¥414

$3.26 ¥513

-19.33%

Taxi 1hour Waiting (Normal Tariff)

$20.62 ¥3,248

$21.50 ¥3,387

-4.09%

Gasoline (1 liter)

$1.06 ¥167

$1.11 ¥175

-4.50%

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

$21.6K ¥3.4M

$22.3K ¥3.5M

-3.24%

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

$15.8K ¥2.5M

$14.9K ¥2.3M

6.60%

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

$130 ¥20.5K

$141 ¥22.2K

-7.50%

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

$8.59 ¥1,353

$24.00 ¥3,781

-64.21%

Internet (50+ Mbps, Unlimited Data)

$32.78 ¥5,164

$30.50 ¥4,804

7.48%

Gym Membership (Monthly)

$51.7 ¥8,149

Tennis Court (1 Hour on Weekend)

$17.40 ¥2,741

$18.86 ¥2,971

-7.74%

Cinema Ticket

$13.08 ¥2,060

$12.85 ¥2,024

1.79%

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

$819 ¥129.0K

$709 ¥111.6K

15.63%

International Primary School, 1 Child (Yearly)

$14.8K ¥2.3M

$13.2K ¥2.1M

12.02%

Jeans (Levis 501 Or Similar)

$63.6 ¥10.0K

$48.77 ¥7,683

30.47%

Summer Dress (H&M, Zara, etc)

$37.10 ¥5,844

$30.94 ¥4,874

19.91%

Sport Shoes (Adidas, Nike)

$61.3 ¥9,655

$72.9 ¥11.5K

-15.95%

Men's Leather Business Shoes

$103 ¥16.2K

$90.8 ¥14.3K

13.65%

1-bedroom Apartment, City Center (Monthly)

$732 ¥115.3K

1-bedroom Apartment, Outside City Center (Monthly)

$516 ¥81.3K

3-bedroom Apartment, City Center (Monthly)

$1,693 ¥266.7K

3-bedroom Apartment, Outside City Center (Monthly)

$773 ¥121.8K

Buy Apartment in City Center (m2)

$7,787 ¥1.2M

$6,542 ¥1.0M

19.04%

Buy Apartment Outside City Center (m2)

$5,298 ¥834.5K

$3,063 ¥482.5K

72.97%

Average Monthly Net Salary (After Tax)

$1,602 ¥252.4K

$2,363 ¥372.2K

-32.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.64

2.21

19.46%

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

Last update for Hamamatsu: October 24, 2026

Last update for Osaka: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Hamamatsu

$285 36.4%

Osaka

$305 21.9% 7.1% $20

Monthly Utilities & Internet

Hamamatsu

$172 21.9%

Osaka

$195 14% 13.8% $24

Clothing & Footwear

Hamamatsu

$119 15.2%

Osaka

$110 7.9% 8.2% $9.8

Eating Out

Hamamatsu

$114 14.6%

Osaka

$134 9.6% 16.9% $19

Getting Around

Hamamatsu

$66 * 8.5%

Osaka

$58 4.2% 12% $8

Sport & Entertainment

Hamamatsu

$26 * 3.3%

Osaka

$77 5.6% 196% $51

Accommodation & Living

Hamamatsu

- * 0%

Osaka

$516 37%

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

Cost Breakdown

Osaka pays 47% 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 $32 in Osaka. Groceries flip the comparison at $285 vs $305, with Hamamatsu cheaper for home cooking.

Good to know

🇯🇵 Hamamatsu

🇯🇵 Osaka

🕒 Local time

05:18 5:18 AM

Same time as Hamamatsu

🌤 Weather

👥 Population

797,033

2,691,185

💱 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

Lowest

Highest

Between locations

Hamamatsu Osaka 200 km

From you

Hamamatsu
Osaka

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 Osaka: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $783 in Hamamatsu and $1,396 in Osaka, so Hamamatsu is about 44% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 32% 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 7% higher in Osaka. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Osaka – a meal for two runs $32 versus $42 in Hamamatsu. If you eat out regularly, this makes a real dent in your monthly spending.

At $783 in Hamamatsu versus $1,396 in Osaka, a $1,200 budget is realistic in Hamamatsu but tight or insufficient in Osaka. 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 Osaka are both considered safe, so it’s unlikely to be the deciding factor between them.

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