Last update: Oct 2026

Cost of Living Comparison Between Okinawa and Hamamatsu

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.

66

Cost of Living Index in Okinawa
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Okinawa Living Index
38

Cost of Living Index in Hamamatsu
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Hamamatsu Living Index

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Okinawa

🇯🇵 Japan

$1,388

/mo nomad

Hamamatsu

🇯🇵 Japan

$783

/mo nomad

Monthly Cost of Living

How much you'll spend in Okinawa and in Hamamatsu

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

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

Okinawa $1,388
Hamamatsu $783

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

Okinawa $2,184
Hamamatsu $1,266

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

Okinawa $2,980
Hamamatsu $1,750

Living in Okinawa is roughly 77% more expensive than in Hamamatsu, and outside of rent the biggest gap is in leisure.

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

Meal at Budget Restaurant

$10.12 ¥1,594

$3.90 ¥614

159.49%

Three-Course Dinner for Two, Mid-Range

$40.24 ¥6,338

$41.78 ¥6,581

-3.69%

Fast Food Meal (McDonalds, etc)

$7.04 ¥1,109

$5.19 ¥818

35.65%

Cappuccino

$4.11 ¥647

$3.41 ¥538

20.53%

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

$1.40 ¥221

$1.10 ¥173

27.27%

Water (0.33 liter bottle)

$0.92 ¥145

$0.75 ¥118

22.67%

Local Beer (0.5 liter draught)

$2.51 ¥395

$2.61 ¥411

-3.83%

Imported Beer (0.33 liter bottle)

$5.27 ¥830

$3.11 ¥489

69.45%

Milk (1 liter)

$1.58 ¥248

$1.08 ¥170

46.30%

White Bread (500g)

$2.05 ¥323

$1.70 ¥267

20.59%

Rice (white) (1kg)

$3.76 ¥592

$3.67 ¥578

2.45%

Eggs

$1.84 ¥289

$1.68 ¥265

9.52%

Local Cheese (1kg)

$17.99 ¥2,834

$10.25 ¥1,615

75.51%

Chicken Fillets (1kg)

$4.79 ¥755

$6.17 ¥971

-22.37%

Beef Round Steak (1kg)

$22.45 ¥3,537

$14.24 ¥2,242

57.65%

Apples (1kg)

$3.81 ¥601

$5.80 ¥914

-34.31%

Banana (1kg)

$2.62 ¥412

$2.84 ¥447

-7.75%

Oranges (1kg)

$2.20 ¥346

$2.95 ¥465

-25.42%

Tomato (1kg)

$5.26 ¥829

$4.30 ¥678

22.33%

Potato (1kg)

$2.39 ¥376

$2.61 ¥412

-8.43%

Onion (1kg)

$2.56 ¥403

$2.59 ¥407

-1.16%

Lettuce (1 head)

$1.28 ¥201

$1.29 ¥204

-0.78%

Water (1.5 liter bottle)

$0.77 ¥122

$0.66 ¥104

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.90 ¥615

$3.89 ¥612

0.26%

Wine (Bottle)

$6.40 ¥1,008

$6.39 ¥1,006

0.16%

Local Beer (0.5 liter bottle)

$1.95 ¥307

$1.82 ¥287

7.14%

Imported Beer (0.33 liter bottle)

$3.34 ¥527

$2.10 ¥331

59.05%

One-way Ticket (Public Transport)

$1.44 ¥226

Public Transport Monthly Pass (Regular Price)

$65.1 ¥10.3K

$50.1 ¥7,896

29.86%

Taxi Start (Normal Tariff)

$3.82 ¥602

$3.11 ¥489

22.83%

Taxi (Normal Tariff) (1km)

$3.54 ¥558

$2.63 ¥414

34.60%

Taxi 1hour Waiting (Normal Tariff)

$11.23 ¥1,768

$20.62 ¥3,248

-45.54%

Gasoline (1 liter)

$1.11 ¥174

$1.06 ¥167

4.72%

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

$20.9K ¥3.3M

$21.6K ¥3.4M

-3.14%

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

$15.5K ¥2.4M

$15.8K ¥2.5M

-1.82%

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

$163 ¥25.6K

$130 ¥20.5K

24.80%

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

$25.35 ¥3,994

$8.59 ¥1,353

195.11%

Internet (50+ Mbps, Unlimited Data)

$53.1 ¥8,360

$32.78 ¥5,164

61.90%

Gym Membership (Monthly)

$73.0 ¥11.5K

Tennis Court (1 Hour on Weekend)

$54.9 ¥8,650

$17.40 ¥2,741

215.63%

Cinema Ticket

$11.98 ¥1,888

$13.08 ¥2,060

-8.41%

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

$327 ¥51.6K

$819 ¥129.0K

-60.04%

International Primary School, 1 Child (Yearly)

$5,668 ¥892.8K

$14.8K ¥2.3M

-61.80%

Jeans (Levis 501 Or Similar)

$48.88 ¥7,700

$63.6 ¥10.0K

-23.18%

Summer Dress (H&M, Zara, etc)

$23.35 ¥3,678

$37.10 ¥5,844

-37.06%

Sport Shoes (Adidas, Nike)

$81.2 ¥12.8K

$61.3 ¥9,655

32.52%

Men's Leather Business Shoes

$95.7 ¥15.1K

$103 ¥16.2K

-7.26%

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)

$8,422 ¥1.3M

$7,787 ¥1.2M

8.15%

Buy Apartment Outside City Center (m2)

$1,185 ¥186.6K

$5,298 ¥834.5K

-77.63%

Average Monthly Net Salary (After Tax)

$1,798 ¥283.2K

$1,602 ¥252.4K

12.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.23

2.64

-15.53%

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

Last update for Okinawa: October 26, 2026

Last update for Hamamatsu: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Okinawa

$332 23.9%

Hamamatsu

- * 0% 100%

Groceries & Markets

Okinawa

$330 23.8%

Hamamatsu

$285 36.4% 13.6% $45

Monthly Utilities & Internet

Okinawa

$241 17.4%

Hamamatsu

$172 21.9% 28.8% $69

Eating Out

Okinawa

$184 13.2%

Hamamatsu

$114 14.6% 37.8% $69

Clothing & Footwear

Okinawa

$112 8.1%

Hamamatsu

$119 15.2% 6.4% $7.2

Sport & Entertainment

Okinawa

$97 7%

Hamamatsu

$26 * 3.3% 73% $71

Getting Around

Okinawa

$92 6.7%

Hamamatsu

$66 * 8.5% 28.1% $26

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

Good to know

🇯🇵 Okinawa

🇯🇵 Hamamatsu

🕒 Local time

07:14 7:14 AM

Same time as Okinawa

🌤 Weather

👥 Population

142,752

797,033

💱 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

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Between locations

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

From you

Okinawa
Hamamatsu

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

Okinawa vs Hamamatsu: Cost of Living - Frequently Asked Questions

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

Average pay runs 12% higher in Okinawa, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

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, Okinawa and Hamamatsu 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.