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

Monthly Cost of Living

Monthly costs for one person with rent: $1,393 in Osaka versus $784 in Hamamatsu.

Estimated couple costs with rent: $2,070 in Osaka versus $1,297 in Hamamatsu.

Monthly costs for a family of three with rent: $2,747 in Osaka versus $1,810 in Hamamatsu.

Living in Osaka is roughly 78% more expensive than in Hamamatsu, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Osaka is 2% above, Hamamatsu is 43% below.

Meal at Budget Restaurant

$6.65 ¥1,038

$3.91 ¥610

70.08%

Three-Course Dinner for Two, Mid-Range

$32.08 ¥5,006

$42.33 ¥6,605

-24.21%

Fast Food Meal (McDonalds, etc)

$5.25 ¥818

$5.15 ¥804

1.94%

Cappuccino

$3.05 ¥476

$3.46 ¥539

-11.85%

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

$1.41 ¥220

$1.12 ¥175

25.89%

Water (0.33 liter bottle)

$0.70 ¥109

$0.76 ¥118

-7.89%

Local Beer (0.5 liter draught)

$2.79 ¥435

$2.61 ¥407

6.90%

Imported Beer (0.33 liter bottle)

$3.88 ¥605

$3.30 ¥515

17.58%

Milk (1 liter)

$1.48 ¥231

$1.06 ¥165

39.62%

White Bread (500g)

$1.31 ¥205

$1.73 ¥270

-24.28%

Rice (white) (1kg)

$5.49 ¥857

$3.81 ¥595

44.09%

Eggs

$2.07 ¥323

$1.69 ¥263

22.49%

Local Cheese (1kg)

$9.84 ¥1,535

$12.23 ¥1,908

-19.54%

Chicken Fillets (1kg)

$9.68 ¥1,510

$6.19 ¥965

56.38%

Beef Round Steak (1kg)

$18.58 ¥2,900

$14.72 ¥2,296

26.22%

Apples (1kg)

$3.43 ¥535

$5.71 ¥892

-39.93%

Banana (1kg)

$2.04 ¥319

$2.87 ¥449

-28.92%

Oranges (1kg)

$2.13 ¥332

$2.87 ¥448

-25.78%

Tomato (1kg)

$4.18 ¥651

$4.21 ¥657

-0.71%

Potato (1kg)

$1.60 ¥250

$2.62 ¥408

-38.93%

Onion (1kg)

$1.21 ¥189

$2.70 ¥422

-55.19%

Lettuce (1 head)

$1.36 ¥212

$1.32 ¥206

3.03%

Water (1.5 liter bottle)

$0.80 ¥125

$0.67 ¥105

19.40%

Cigarettes 20 Pack (Marlboro, Camel)

$4.00 ¥625

$3.81 ¥595

4.99%

Wine (Bottle)

$9.49 ¥1,481

$6.34 ¥989

49.68%

Local Beer (0.5 liter bottle)

$2.00 ¥313

$1.86 ¥290

7.53%

Imported Beer (0.33 liter bottle)

$3.20 ¥499

$2.05 ¥320

56.10%

One-way Ticket (Public Transport)

$1.41 ¥220

Public Transport Monthly Pass (Regular Price)

$32.84 ¥5,124

$51.7 ¥8,062

-36.44%

Taxi Start (Normal Tariff)

$3.93 ¥614

$3.25 ¥508

20.92%

Taxi (Normal Tariff) (1km)

$3.20 ¥499

$2.57 ¥402

24.51%

Taxi 1hour Waiting (Normal Tariff)

$22.17 ¥3,459

$20.64 ¥3,221

7.41%

Gasoline (1 liter)

$1.13 ¥176

$1.09 ¥170

3.67%

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

$22.4K ¥3.5M

$21.9K ¥3.4M

2.32%

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

$15.6K ¥2.4M

$18.4K ¥2.9M

-15.11%

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

$140 ¥21.8K

$134 ¥20.9K

4.35%

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

$24.68 ¥3,851

$9.28 ¥1,448

165.95%

Internet (50+ Mbps, Unlimited Data)

$31.03 ¥4,842

$32.89 ¥5,131

-5.66%

Gym Membership (Monthly)

$53.1 ¥8,282

Tennis Court (1 Hour on Weekend)

$19.04 ¥2,970

$17.35 ¥2,706

9.74%

Cinema Ticket

$12.30 ¥1,918

$13.07 ¥2,040

-5.89%

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

$529 ¥82.5K

$652 ¥101.7K

-18.83%

International Primary School, 1 Child (Yearly)

$13.3K ¥2.1M

$15.3K ¥2.4M

-13.25%

Jeans (Levis 501 Or Similar)

$48.93 ¥7,635

$63.7 ¥9,934

-23.15%

Summer Dress (H&M, Zara, etc)

$31.85 ¥4,969

$32.90 ¥5,133

-3.19%

Sport Shoes (Adidas, Nike)

$76.1 ¥11.9K

$63.8 ¥9,957

19.23%

Men's Leather Business Shoes

$94.3 ¥14.7K

$103 ¥16.1K

-8.85%

1-bedroom Apartment, City Center (Monthly)

$728 ¥113.6K

1-bedroom Apartment, Outside City Center (Monthly)

$512 ¥79.8K

3-bedroom Apartment, City Center (Monthly)

$1,753 ¥273.5K

3-bedroom Apartment, Outside City Center (Monthly)

$778 ¥121.4K

Buy Apartment in City Center (m2)

$6,376 ¥994.8K

$8,047 ¥1.3M

-20.77%

Buy Apartment Outside City Center (m2)

$1,959 ¥305.6K

$5,552 ¥866.2K

-64.72%

Average Monthly Net Salary (After Tax)

$2,342 ¥365.4K

$1,614 ¥251.8K

45.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.21

2.12

4.25%

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

Last update for Osaka: September 13, 2026

Last update for Hamamatsu: September 13, 2026

Cost Breakdown

Osaka pays 45% 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: $32.00 in Osaka vs $42.00 in Hamamatsu. Groceries flip the comparison at $308 vs $293, 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

Osaka vs Hamamatsu: Cost of Living - Frequently Asked Questions

Osaka and Hamamatsu differ by about 78% in total monthly costs ($1,393 vs $784 including rent). Hamamatsu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 45% higher in Osaka, 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 5% higher in Osaka. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Hamamatsu – a meal for two runs $42.00 versus $32.00 in Osaka. If you eat out regularly, this makes a real dent in your monthly spending.

At $784 in Hamamatsu versus $1,393 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, Osaka and Hamamatsu 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 78% less than in Osaka. Beyond cost, consider language, visa policies, and how big the international community is in each city.