Last update: Oct 2026

Cost of Living Comparison Between Hong Kong and Nagano

For one person, living is cheaper in Nagano: $1,180 a month against $2,984 in Hong Kong, rent and utilities included – about $21,600 less a year. Rent and utilities account for most of the difference.

144

Cost of Living Index in Hong Kong
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Hong Kong Living Index
58

Cost of Living Index in Nagano
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Nagano Living Index

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Hong Kong

🇭🇰 Hong Kong (China)

$2,984

/mo nomad

Nagano

🇯🇵 Japan

$1,180

/mo nomad

Monthly Cost of Living

How much you'll spend in Hong Kong and in Nagano

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

A single person spends $2,984 per month in Hong Kong vs $1,180 in Nagano, rent included.

Hong Kong $2,984
Nagano $1,180

A couple spends around $4,584 per month in Hong Kong vs $1,942 in Nagano, rent included.

Hong Kong $4,584
Nagano $1,942

A family of three spends $6,183 per month in Hong Kong vs $2,705 in Nagano, rent included.

Hong Kong $6,183
Nagano $2,705

Hong Kong costs about 153% more than Nagano, and outside of rent the biggest gap is in groceries.

Hong Kong sits 121% above the global median, while Nagano is 13% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.75 HK$60.8

$6.27 ¥991

23.60%

Three-Course Dinner for Two, Mid-Range

$64.7 HK$508

$40.83 ¥6,451

58.41%

Fast Food Meal (McDonalds, etc)

$6.18 HK$48.51

$4.94 ¥781

25.10%

Cappuccino

$5.08 HK$39.85

$3.37 ¥533

50.74%

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

$1.31 HK$10.31

$1.06 ¥167

23.58%

Water (0.33 liter bottle)

$1.09 HK$8.56

$0.75 ¥119

45.33%

Local Beer (0.5 liter draught)

$7.47 HK$58.6

$2.46 ¥388

203.66%

Imported Beer (0.33 liter bottle)

$6.50 HK$51.0

$3.09 ¥488

110.36%

Milk (1 liter)

$2.89 HK$22.71

$1.37 ¥216

110.95%

White Bread (500g)

$2.31 HK$18.14

$1.70 ¥269

35.88%

Rice (white) (1kg)

$2.13 HK$16.71

$3.73 ¥589

-42.90%

Eggs

$3.52 HK$27.65

$1.99 ¥314

76.88%

Local Cheese (1kg)

$24.72 HK$194

$10.18 ¥1,608

142.83%

Chicken Fillets (1kg)

$8.52 HK$66.9

$6.08 ¥961

40.13%

Beef Round Steak (1kg)

$18.00 HK$141

$14.50 ¥2,290

24.14%

Apples (1kg)

$4.18 HK$32.79

$5.78 ¥913

-27.68%

Banana (1kg)

$2.68 HK$21.07

$2.84 ¥448

-5.63%

Oranges (1kg)

$4.49 HK$35.22

$2.88 ¥455

55.90%

Tomato (1kg)

$4.03 HK$31.66

$4.07 ¥643

-0.98%

Potato (1kg)

$3.12 HK$24.51

$2.52 ¥398

23.81%

Onion (1kg)

$3.15 HK$24.72

$2.63 ¥415

19.77%

Lettuce (1 head)

$1.62 HK$12.75

$1.27 ¥201

27.56%

Water (1.5 liter bottle)

$1.74 HK$13.66

$0.80 ¥126

117.50%

Cigarettes 20 Pack (Marlboro, Camel)

$13.50 HK$106

$3.81 ¥602

254.33%

Wine (Bottle)

$16.54 HK$130

$6.43 ¥1,015

157.23%

Local Beer (0.5 liter bottle)

$1.94 HK$15.19

$1.73 ¥274

12.14%

Imported Beer (0.33 liter bottle)

$2.18 HK$17.11

$2.11 ¥333

3.32%

One-way Ticket (Public Transport)

$1.41 HK$11.04

$1.62 ¥256

-12.96%

Public Transport Monthly Pass (Regular Price)

$88.6 HK$696

$50.6 ¥7,987

75.30%

Taxi Start (Normal Tariff)

$3.69 HK$28.94

$3.12 ¥493

18.27%

Taxi (Normal Tariff) (1km)

$1.32 HK$10.36

$2.64 ¥417

-50.00%

Taxi 1hour Waiting (Normal Tariff)

$15.77 HK$124

$20.77 ¥3,281

-24.07%

Gasoline (1 liter)

$4.03 HK$31.65

$1.07 ¥169

276.64%

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

$44.7K HK$350.5K

$21.4K ¥3.4M

108.23%

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

$37.8K HK$296.6K

$18.2K ¥2.9M

107.56%

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

$250 HK$1,959

$130 ¥20.5K

91.92%

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

$15.60 HK$122

$24.11 ¥3,810

-35.30%

Internet (50+ Mbps, Unlimited Data)

$21.77 HK$171

$12.46 ¥1,969

74.72%

Gym Membership (Monthly)

$94.2 HK$739

$52.9 ¥8,361

77.95%

Tennis Court (1 Hour on Weekend)

$9.29 HK$72.9

Cinema Ticket

$13.91 HK$109

$12.36 ¥1,953

12.54%

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

$1,162 HK$9,122

$640 ¥101.1K

81.69%

International Primary School, 1 Child (Yearly)

$21.9K HK$171.6K

$14.8K ¥2.3M

47.81%

Jeans (Levis 501 Or Similar)

$68.0 HK$534

$62.8 ¥9,924

8.25%

Summer Dress (H&M, Zara, etc)

$41.91 HK$329

$36.95 ¥5,838

13.42%

Sport Shoes (Adidas, Nike)

$79.7 HK$626

$61.3 ¥9,685

30.08%

Men's Leather Business Shoes

$122 HK$956

$104 ¥16.4K

17.02%

1-bedroom Apartment, City Center (Monthly)

$2,241 HK$17.6K

$504 ¥79.7K

344.31%

1-bedroom Apartment, Outside City Center (Monthly)

$1,718 HK$13.5K

$323 ¥51.1K

431.76%

3-bedroom Apartment, City Center (Monthly)

$5,041 HK$39.6K

$1,231 ¥194.6K

309.36%

3-bedroom Apartment, Outside City Center (Monthly)

$3,435 HK$27.0K

$797 ¥126.0K

330.73%

Buy Apartment in City Center (m2)

$29.2K HK$229.0K

$4,473 ¥706.8K

552.26%

Buy Apartment Outside City Center (m2)

$17.6K HK$137.9K

$1,575 ¥248.9K

1015.27%

Average Monthly Net Salary (After Tax)

$3,271 HK$25.7K

$622 ¥98.3K

425.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.91

2.64

48.11%

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

Last update for Hong Kong: October 10, 2026

Last update for Nagano: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Hong Kong

$1.7K 57.6%

Nagano

$323 27.4% 81.2% $1.4K

Groceries & Markets

Hong Kong

$411 13.8%

Nagano

$289 24.5% 29.6% $122

Monthly Utilities & Internet

Hong Kong

$287 9.6%

Nagano

$167 14.1% 41.9% $120

Eating Out

Hong Kong

$201 6.8%

Nagano

$131 11.1% 34.9% $70

Clothing & Footwear

Hong Kong

$140 4.7%

Nagano

$119 10.1% 14.9% $21

Sport & Entertainment

Hong Kong

$122 4.1%

Nagano

$78 6.6% 36.3% $44

Getting Around

Hong Kong

$105 3.5%

Nagano

$73 6.2% 29.8% $31

Cost Breakdown

A central one-bedroom costs $2,241 in Hong Kong versus $504 in Nagano. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 426% higher in Hong Kong, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $65.0 in Hong Kong versus $41.00 in Nagano. Monthly groceries follow the same trend: $411 vs $289 – making Nagano the more affordable choice for daily food spending.

Good to know

🇭🇰 Hong Kong

🇯🇵 Nagano

🕒 Local time

19:38 7:38 PM

20:38 8:38 PM

1 h ahead of Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

372,760

💱 Currency

Hong Kong Dollar HKD $

Japanese Yen JPY ¥

📈 Exchange rate

1 HKD = 0.127 USD

1 HKD = 0.113 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

JPY, USD, EUR to HKD – Hong Kong Dollar Converter

🇺🇸 United States Dollar ($)

🇭🇰 Hong Kong Dollar ($)

Hong Kong Dollar exchange rates as of October 19, 2026: 1 USD = 7.85 HKD (1 HKD = 0.127 USD). 1 EUR = 8.82 HKD (1 HKD = 0.113 EUR).

Japanese Yen exchange rates as of October 19, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to HKD in detail →

On the map

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Between locations

Hong Kong Nagano 2,810 km ≈ 4 h nonstop flight

From you

Hong Kong
Nagano

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

Hong Kong vs Nagano: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,984 in Hong Kong, $1,180 in Nagano – roughly 153% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,476 per month in Hong Kong and $1,770 in Nagano. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Nagano, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $65.0 in Hong Kong and $41.00 in Nagano. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,984 in Hong Kong and $1,180 in Nagano. That's a gap of about 153%.

A $1,000 monthly budget goes further in Nagano, where all-in costs run around $1,180, than in Hong Kong at $2,984. In Nagano it covers expenses comfortably, while in Hong Kong it requires careful planning or may not stretch far enough.

It depends on your priorities. Hong Kong has an edge in some lifestyle areas, with costs from $1,180 in Nagano to $2,984 in Hong Kong. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Nagano. If higher salaries, better infrastructure, or specific career opportunities are the priority, Hong Kong makes more sense. Both are solid long-term options with distinct trade-offs.