Last update: Oct 2026

Cost of Living Comparison Between Osaka and Hamamatsu

For one person, living is cheaper in Hamamatsu: $783 a month against $1,396 in Osaka, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Osaka
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Osaka Living Index
38

Cost of Living Index in Hamamatsu
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Hamamatsu Living Index

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Osaka

🇯🇵 Japan

$1,396

/mo nomad

Hamamatsu

🇯🇵 Japan

$783

/mo nomad

Monthly Cost of Living

How much you'll spend in Osaka 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 Osaka and in Hamamatsu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,396 in Osaka versus $783 in Hamamatsu.

Osaka $1,396
Hamamatsu $783

Estimated couple costs with rent: $2,027 in Osaka versus $1,266 in Hamamatsu.

Osaka $2,027
Hamamatsu $1,266

Monthly costs for a family of three with rent: $2,658 in Osaka versus $1,750 in Hamamatsu.

Osaka $2,658
Hamamatsu $1,750

Living in Osaka is roughly 78% more expensive than in Hamamatsu, and outside of rent the biggest gap is in leisure.

The two cities straddle the global median: Osaka is 3% above, Hamamatsu is 42% below.

Meal at Budget Restaurant

$6.50 ¥1,024

$3.90 ¥614

66.67%

Three-Course Dinner for Two, Mid-Range

$31.93 ¥5,029

$41.78 ¥6,581

-23.58%

Fast Food Meal (McDonalds, etc)

$5.15 ¥812

$5.19 ¥818

-0.77%

Cappuccino

$3.03 ¥477

$3.41 ¥538

-11.14%

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

$1.39 ¥220

$1.10 ¥173

26.36%

Water (0.33 liter bottle)

$0.71 ¥112

$0.75 ¥118

-5.33%

Local Beer (0.5 liter draught)

$2.75 ¥433

$2.61 ¥411

5.36%

Imported Beer (0.33 liter bottle)

$3.89 ¥612

$3.11 ¥489

25.08%

Milk (1 liter)

$1.46 ¥229

$1.08 ¥170

35.19%

White Bread (500g)

$1.30 ¥204

$1.70 ¥267

-23.53%

Rice (white) (1kg)

$5.46 ¥861

$3.67 ¥578

48.77%

Eggs

$2.03 ¥320

$1.68 ¥265

20.83%

Local Cheese (1kg)

$9.63 ¥1,516

$10.25 ¥1,615

-6.05%

Chicken Fillets (1kg)

$9.45 ¥1,489

$6.17 ¥971

53.16%

Beef Round Steak (1kg)

$18.58 ¥2,926

$14.24 ¥2,242

30.48%

Apples (1kg)

$3.39 ¥534

$5.80 ¥914

-41.55%

Banana (1kg)

$2.00 ¥315

$2.84 ¥447

-29.58%

Oranges (1kg)

$2.09 ¥329

$2.95 ¥465

-29.15%

Tomato (1kg)

$4.14 ¥653

$4.30 ¥678

-3.72%

Potato (1kg)

$1.57 ¥247

$2.61 ¥412

-39.85%

Onion (1kg)

$1.17 ¥185

$2.59 ¥407

-54.83%

Lettuce (1 head)

$1.37 ¥216

$1.29 ¥204

6.20%

Water (1.5 liter bottle)

$0.81 ¥127

$0.66 ¥104

22.73%

Cigarettes 20 Pack (Marlboro, Camel)

$4.02 ¥634

$3.89 ¥612

3.34%

Wine (Bottle)

$9.72 ¥1,532

$6.39 ¥1,006

52.11%

Local Beer (0.5 liter bottle)

$1.94 ¥305

$1.82 ¥287

6.59%

Imported Beer (0.33 liter bottle)

$3.19 ¥502

$2.10 ¥331

51.90%

One-way Ticket (Public Transport)

$1.35 ¥213

Public Transport Monthly Pass (Regular Price)

$32.79 ¥5,166

$50.1 ¥7,896

-34.59%

Taxi Start (Normal Tariff)

$3.90 ¥615

$3.11 ¥489

25.40%

Taxi (Normal Tariff) (1km)

$3.26 ¥513

$2.63 ¥414

23.95%

Taxi 1hour Waiting (Normal Tariff)

$21.50 ¥3,387

$20.62 ¥3,248

4.27%

Gasoline (1 liter)

$1.11 ¥175

$1.06 ¥167

4.72%

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

$22.3K ¥3.5M

$21.6K ¥3.4M

3.35%

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

$14.9K ¥2.3M

$15.8K ¥2.5M

-6.19%

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

$141 ¥22.2K

$130 ¥20.5K

8.10%

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

$24.00 ¥3,781

$8.59 ¥1,353

179.39%

Internet (50+ Mbps, Unlimited Data)

$30.50 ¥4,804

$32.78 ¥5,164

-6.96%

Gym Membership (Monthly)

$51.7 ¥8,149

Tennis Court (1 Hour on Weekend)

$18.86 ¥2,971

$17.40 ¥2,741

8.39%

Cinema Ticket

$12.85 ¥2,024

$13.08 ¥2,060

-1.76%

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

$709 ¥111.6K

$819 ¥129.0K

-13.52%

International Primary School, 1 Child (Yearly)

$13.2K ¥2.1M

$14.8K ¥2.3M

-10.73%

Jeans (Levis 501 Or Similar)

$48.77 ¥7,683

$63.6 ¥10.0K

-23.35%

Summer Dress (H&M, Zara, etc)

$30.94 ¥4,874

$37.10 ¥5,844

-16.60%

Sport Shoes (Adidas, Nike)

$72.9 ¥11.5K

$61.3 ¥9,655

18.98%

Men's Leather Business Shoes

$90.8 ¥14.3K

$103 ¥16.2K

-12.01%

1-bedroom Apartment, City Center (Monthly)

$732 ¥115.3K

1-bedroom Apartment, Outside City Center (Monthly)

$516 ¥81.3K

3-bedroom Apartment, City Center (Monthly)

$1,693 ¥266.7K

3-bedroom Apartment, Outside City Center (Monthly)

$773 ¥121.8K

Buy Apartment in City Center (m2)

$6,542 ¥1.0M

$7,787 ¥1.2M

-15.99%

Buy Apartment Outside City Center (m2)

$3,063 ¥482.5K

$5,298 ¥834.5K

-42.19%

Average Monthly Net Salary (After Tax)

$2,363 ¥372.2K

$1,602 ¥252.4K

47.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.21

2.64

-16.29%

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

Last update for Osaka: October 25, 2026

Last update for Hamamatsu: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Osaka

$516 37%

Hamamatsu

- * 0% 100%

Groceries & Markets

Osaka

$305 21.9%

Hamamatsu

$285 36.4% 6.6% $20

Monthly Utilities & Internet

Osaka

$195 14%

Hamamatsu

$172 21.9% 12.1% $24

Eating Out

Osaka

$134 9.6%

Hamamatsu

$114 14.6% 14.5% $19

Clothing & Footwear

Osaka

$110 7.9%

Hamamatsu

$119 15.2% 8.9% $9.8

Sport & Entertainment

Osaka

$77 5.6%

Hamamatsu

$26 * 3.3% 66.2% $51

Getting Around

Osaka

$58 4.2%

Hamamatsu

$66 * 8.5% 13.7% $8

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Osaka pays 47% 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 in Osaka vs $42 in Hamamatsu. Groceries flip the comparison at $305 vs $285, with Hamamatsu cheaper for home cooking.

Good to know

🇯🇵 Osaka

🇯🇵 Hamamatsu

🕒 Local time

08:54 8:54 AM

Same time as Osaka

🌤 Weather

👥 Population

2,691,185

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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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

Total monthly costs including rent come to $1,396 in Osaka 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 47% 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 7% higher in Osaka. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Osaka – a meal for two runs $32 versus $42 in Hamamatsu. If you eat out regularly, this makes a real dent in your monthly spending.

At $783 in Hamamatsu versus $1,396 in Osaka, a $1,200 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 both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Hamamatsu wins on affordability, Osaka on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.