Last update: Oct 2026

Cost of Living Comparison Between Okinawa and Matsudo

For one person, living is cheaper in Matsudo: $1,239 a month against $1,388 in Okinawa, rent and utilities included – about $1,800 less a year. The total is higher in Okinawa despite lower rent and utilities.

66

Cost of Living Index in Okinawa
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Okinawa Living Index
58

Cost of Living Index in Matsudo
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Matsudo Living Index

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Okinawa

🇯🇵 Japan

$1,388

/mo nomad

Matsudo

🇯🇵 Japan

$1,239

/mo nomad

Monthly Cost of Living

How much you'll spend in Okinawa and in Matsudo

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

Monthly costs for one person with rent: $1,388 in Okinawa versus $1,239 in Matsudo.

Okinawa $1,388
Matsudo $1,239

Estimated couple costs with rent: $2,184 in Okinawa versus $1,907 in Matsudo.

Okinawa $2,184
Matsudo $1,907

Monthly costs for a family of three with rent: $2,980 in Okinawa versus $2,574 in Matsudo.

Okinawa $2,980
Matsudo $2,574

Living in Okinawa is roughly 12% more expensive than in Matsudo, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Okinawa is 2% above, Matsudo is 9% below.

Meal at Budget Restaurant

$10.12 ¥1,598

$6.20 ¥979

63.23%

Three-Course Dinner for Two, Mid-Range

$40.24 ¥6,355

$37.45 ¥5,915

7.45%

Fast Food Meal (McDonalds, etc)

$7.04 ¥1,112

$4.94 ¥781

42.51%

Cappuccino

$4.11 ¥649

$3.54 ¥559

16.10%

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

$1.40 ¥221

$1.10 ¥174

27.27%

Water (0.33 liter bottle)

$0.92 ¥145

$0.79 ¥124

16.46%

Local Beer (0.5 liter draught)

$2.51 ¥396

$2.58 ¥407

-2.71%

Imported Beer (0.33 liter bottle)

$5.27 ¥832

$3.13 ¥495

68.37%

Milk (1 liter)

$1.58 ¥249

$1.45 ¥229

8.97%

White Bread (500g)

$2.05 ¥324

$1.67 ¥264

22.75%

Rice (white) (1kg)

$3.76 ¥594

$3.60 ¥569

4.44%

Eggs

$1.84 ¥290

$1.99 ¥314

-7.54%

Local Cheese (1kg)

$17.99 ¥2,842

$10.36 ¥1,636

73.65%

Chicken Fillets (1kg)

$4.79 ¥757

$5.96 ¥941

-19.63%

Beef Round Steak (1kg)

$22.45 ¥3,546

$14.76 ¥2,331

52.10%

Apples (1kg)

$3.81 ¥602

$4.82 ¥762

-20.95%

Banana (1kg)

$2.62 ¥413

$2.27 ¥358

15.42%

Oranges (1kg)

$2.20 ¥347

$2.82 ¥446

-21.99%

Tomato (1kg)

$5.26 ¥831

$4.23 ¥668

24.35%

Potato (1kg)

$2.39 ¥377

$2.64 ¥417

-9.47%

Onion (1kg)

$2.56 ¥404

$2.66 ¥420

-3.76%

Lettuce (1 head)

$1.28 ¥201

$1.19 ¥189

7.56%

Water (1.5 liter bottle)

$0.77 ¥122

$0.76 ¥120

1.32%

Cigarettes 20 Pack (Marlboro, Camel)

$3.90 ¥617

$3.78 ¥597

3.17%

Wine (Bottle)

$6.40 ¥1,011

$6.43 ¥1,016

-0.47%

Local Beer (0.5 liter bottle)

$1.95 ¥308

$1.71 ¥271

14.04%

Imported Beer (0.33 liter bottle)

$3.34 ¥528

$2.01 ¥318

66.17%

One-way Ticket (Public Transport)

$1.44 ¥227

$1.52 ¥239

-5.26%

Public Transport Monthly Pass (Regular Price)

$65.1 ¥10.3K

$57.6 ¥9,094

13.06%

Taxi Start (Normal Tariff)

$3.82 ¥603

$3.15 ¥497

21.27%

Taxi (Normal Tariff) (1km)

$3.54 ¥559

$2.69 ¥424

31.60%

Taxi 1hour Waiting (Normal Tariff)

$11.23 ¥1,773

$18.50 ¥2,922

-39.30%

Gasoline (1 liter)

$1.11 ¥175

$1.10 ¥173

0.91%

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

$20.9K ¥3.3M

$21.9K ¥3.5M

-4.55%

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

$15.5K ¥2.5M

$14.9K ¥2.4M

3.99%

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

$163 ¥25.7K

$135 ¥21.3K

20.40%

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

$25.35 ¥4,004

$23.07 ¥3,644

9.88%

Internet (50+ Mbps, Unlimited Data)

$53.1 ¥8,382

$30.51 ¥4,819

73.94%

Gym Membership (Monthly)

$73.0 ¥11.5K

$45.93 ¥7,253

58.98%

Tennis Court (1 Hour on Weekend)

$54.9 ¥8,673

Cinema Ticket

$11.98 ¥1,893

$13.05 ¥2,061

-8.20%

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

$327 ¥51.7K

$835 ¥131.8K

-60.78%

International Primary School, 1 Child (Yearly)

$5,668 ¥895.1K

$14.8K ¥2.3M

-61.65%

Jeans (Levis 501 Or Similar)

$48.88 ¥7,720

$55.8 ¥8,811

-12.39%

Summer Dress (H&M, Zara, etc)

$23.35 ¥3,688

$32.81 ¥5,182

-28.83%

Sport Shoes (Adidas, Nike)

$81.2 ¥12.8K

$62.5 ¥9,873

29.93%

Men's Leather Business Shoes

$95.7 ¥15.1K

$70.7 ¥11.2K

35.38%

1-bedroom Apartment, City Center (Monthly)

$411 ¥65.0K

$593 ¥93.7K

-30.66%

1-bedroom Apartment, Outside City Center (Monthly)

$332 ¥52.4K

$383 ¥60.6K

-13.46%

3-bedroom Apartment, City Center (Monthly)

$852 ¥134.6K

$904 ¥142.8K

-5.73%

3-bedroom Apartment, Outside City Center (Monthly)

$678 ¥107.1K

$718 ¥113.4K

-5.55%

Buy Apartment in City Center (m2)

$8,422 ¥1.3M

$4,478 ¥707.3K

88.07%

Buy Apartment Outside City Center (m2)

$1,185 ¥187.1K

$2,545 ¥401.9K

-53.43%

Average Monthly Net Salary (After Tax)

$1,798 ¥283.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

2.23

2.25

-0.89%

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

Last update for Okinawa: October 26, 2026

Last update for Matsudo: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Okinawa

$332 23.9%

Matsudo

$383 31% 15.6% $52

Groceries & Markets

Okinawa

$330 23.8%

Matsudo

$281 22.7% 14.6% $48

Monthly Utilities & Internet

Okinawa

$241 17.4%

Matsudo

$189 15.2% 21.7% $52

Eating Out

Okinawa

$184 13.2%

Matsudo

$134 10.8% 27.3% $50

Clothing & Footwear

Okinawa

$112 8.1%

Matsudo

$100 8.1% 11% $12

Sport & Entertainment

Okinawa

$97 7%

Matsudo

$72 5.8% 25.7% $25

Getting Around

Okinawa

$92 6.7%

Matsudo

$80 6.5% 13.2% $12

Cost Breakdown

A one-bedroom apartment in the center runs $411 in Okinawa and $593 in Matsudo. Housing cost is often the main lever when comparing two cities.

Dining out: $40 in Okinawa vs $37 in Matsudo for a mid-range dinner for two. Groceries echo the gap at $330 vs $281 per month, with Matsudo cheaper across the board.

Good to know

🇯🇵 Okinawa

🇯🇵 Matsudo

🕒 Local time

23:21 11:21 PM

Same time as Okinawa

🌤 Weather

👥 Population

142,752

485,803

💱 Currency

Japanese Yen JPY ¥

📈 Exchange rate

1,000 JPY = 6.33 USD

1,000 JPY = 5.67 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.67 EUR

Exchange rates and currency converter

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Okinawa Matsudo 1,540 km ≈ 2 h 30 min nonstop flight

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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 Matsudo: Cost of Living - Frequently Asked Questions

Matsudo is about 11% cheaper overall, especially in eating out, groceries, and leisure. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,082 in Okinawa and $1,859 in Matsudo 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: $411 in Okinawa versus $593 in Matsudo. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Matsudo runs roughly 12% less than in Okinawa. The price difference matters if you commute daily and watch your budget.

Childcare runs $327 in Okinawa versus $835 in Matsudo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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 Matsudo are both considered safe, so it’s unlikely to be the deciding factor between them.