Cost of Living Comparison Between Hamamatsu and Osaka Cost of Living Comparison Between Hamamatsu and Osaka

Monthly Cost of Living

Monthly costs for one person with rent: $1,103 in Hamamatsu versus $1,347 in Osaka.

Estimated couple costs with rent: $1,819 in Hamamatsu versus $2,036 in Osaka.

Monthly costs for a family of three with rent: $2,536 in Hamamatsu versus $2,725 in Osaka.

Living in Hamamatsu costs roughly 18% less than in Osaka, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Hamamatsu is 17% below, Osaka is 1% above.

Meal at Budget Restaurant

$4.92 ¥775

$6.75 ¥1,064

-27.11%

Three-Course Dinner for Two, Mid-Range

$41.90 ¥6,603

$35.24 ¥5,553

18.90%

Fast Food Meal (McDonalds, etc)

$3.39 ¥534

$4.75 ¥749

-28.63%

Cappuccino

$3.03 ¥477

$3.29 ¥518

-7.90%

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

$0.66 ¥104

$1.10 ¥173

-40.00%

Water (0.33 liter bottle)

$0.77 ¥121

$0.76 ¥120

1.32%

Local Beer (0.5 liter draught)

$2.05 ¥324

$2.82 ¥445

-27.30%

Imported Beer (0.33 liter bottle)

$2.85 ¥449

$4.41 ¥695

-35.37%

Milk (1 liter)

$1.47 ¥232

$1.59 ¥250

-7.55%

White Bread (500g)

$1.70 ¥267

$1.44 ¥227

18.06%

Rice (white) (1kg)

$5.01 ¥790

$4.78 ¥753

4.81%

Eggs

$1.83 ¥288

$2.33 ¥367

-21.46%

Local Cheese (1kg)

$10.11 ¥1,592

$10.61 ¥1,671

-4.71%

Chicken Fillets (1kg)

$6.19 ¥975

$6.39 ¥1,007

-3.13%

Beef Round Steak (1kg)

$15.69 ¥2,472

$18.87 ¥2,973

-16.85%

Apples (1kg)

$4.06 ¥640

$3.66 ¥577

10.93%

Banana (1kg)

$2.11 ¥332

$2.12 ¥334

-0.47%

Oranges (1kg)

$3.39 ¥534

$2.52 ¥396

34.52%

Tomato (1kg)

$4.13 ¥650

$4.44 ¥699

-6.98%

Potato (1kg)

$3.39 ¥535

$1.67 ¥262

102.99%

Onion (1kg)

$4.36 ¥687

$1.26 ¥199

246.03%

Lettuce (1 head)

$1.39 ¥219

$1.33 ¥209

4.51%

Water (1.5 liter bottle)

$0.88 ¥139

$0.87 ¥138

1.15%

Cigarettes 20 Pack (Marlboro, Camel)

$3.45 ¥544

$3.96 ¥625

-12.88%

Wine (Bottle)

$8.92 ¥1,406

$9.05 ¥1,426

-1.44%

Local Beer (0.5 liter bottle)

$1.74 ¥274

$2.03 ¥320

-14.29%

Imported Beer (0.33 liter bottle)

$2.07 ¥325

$2.90 ¥458

-28.62%

One-way Ticket (Public Transport)

$1.06 ¥166

$1.59 ¥250

-33.33%

Public Transport Monthly Pass (Regular Price)

$56.2 ¥8,851

$35.37 ¥5,574

58.81%

Taxi Start (Normal Tariff)

$3.52 ¥555

$4.45 ¥700

-20.90%

Taxi (Normal Tariff) (1km)

$2.96 ¥467

$3.35 ¥528

-11.64%

Taxi 1hour Waiting (Normal Tariff)

$21.75 ¥3,427

$23.70 ¥3,734

-8.23%

Gasoline (1 liter)

$1.20 ¥188

$1.19 ¥188

0.84%

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

$21.0K ¥3.3M

$23.1K ¥3.6M

-8.89%

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

$14.1K ¥2.2M

$16.9K ¥2.7M

-16.42%

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

$109 ¥17.2K

$135 ¥21.3K

-19.26%

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

$9.66 ¥1,522

$27.52 ¥4,336

-64.90%

Internet (50+ Mbps, Unlimited Data)

$20.96 ¥3,303

$30.63 ¥4,826

-31.57%

Gym Membership (Monthly)

$103 ¥16.3K

$57.2 ¥9,020

80.75%

Tennis Court (1 Hour on Weekend)

$18.56 ¥2,925

$21.14 ¥3,331

-12.20%

Cinema Ticket

$13.56 ¥2,137

$12.25 ¥1,930

10.69%

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

$279 ¥43.9K

$68.0 ¥10.7K

309.41%

International Primary School, 1 Child (Yearly)

$13.8K ¥2.2M

$10.5K ¥1.6M

32.32%

Jeans (Levis 501 Or Similar)

$41.66 ¥6,564

$44.66 ¥7,037

-6.72%

Summer Dress (H&M, Zara, etc)

$27.43 ¥4,322

$28.96 ¥4,563

-5.28%

Sport Shoes (Adidas, Nike)

$55.1 ¥8,688

$68.6 ¥10.8K

-19.64%

Men's Leather Business Shoes

$104 ¥16.3K

$96.6 ¥15.2K

7.41%

1-bedroom Apartment, City Center (Monthly)

$384 ¥60.5K

$721 ¥113.6K

-46.75%

1-bedroom Apartment, Outside City Center (Monthly)

$247 ¥39.0K

$474 ¥74.6K

-47.76%

3-bedroom Apartment, City Center (Monthly)

$869 ¥136.9K

$1,298 ¥204.5K

-33.05%

3-bedroom Apartment, Outside City Center (Monthly)

$597 ¥94.1K

$818 ¥128.9K

-26.97%

Buy Apartment in City Center (m2)

$4,252 ¥670.1K

$5,971 ¥940.9K

-28.78%

Buy Apartment Outside City Center (m2)

$2,051 ¥323.1K

$2,029 ¥319.7K

1.07%

Average Monthly Net Salary (After Tax)

$1,868 ¥294.3K

20-Year Fixed Mortgage Interest Rate (Annual %)

0.95

1.81

-47.51%

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

Last update for Hamamatsu: July 26, 2026

Last update for Osaka: July 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $384 in Hamamatsu and $721 in Osaka. Housing cost is often the main lever when comparing two cities.

Dining out: $42.00 in Hamamatsu vs $35.00 in Osaka. Groceries flip the comparison at $300 vs $300, with Hamamatsu cheaper for home cooking.

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

Hamamatsu and Osaka differ by about 22% in total monthly costs ($1,103 vs $1,347 including rent). Hamamatsu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,654 in Hamamatsu and $2,020 in Osaka to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $384 in Hamamatsu versus $721 in Osaka. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Osaka pay roughly 0% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Hamamatsu – a meal for two runs $42.00 versus $35.00 in Osaka. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,103 in Hamamatsu versus $1,347 in Osaka, a $2,000 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 on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Hamamatsu gentler on the wallet – expenses run 22% less than in Osaka. Beyond cost, consider language, visa policies, and how big the international community is in each city.