Cost of Living Comparison Between Xiamen and Shanghai Cost of Living Comparison Between Xiamen and Shanghai

Monthly Cost of Living

Monthly costs for one person with rent: $792 in Xiamen versus $1,206 in Shanghai.

Estimated couple costs with rent: $1,277 in Xiamen versus $1,958 in Shanghai.

Monthly costs for a family of three with rent: $1,763 in Xiamen versus $2,710 in Shanghai.

Living in Xiamen costs roughly 34% less than in Shanghai, driven mainly by Getting Around.

Both cities sit below the global median: Xiamen 41% lower, Shanghai 10% lower.

Meal at Budget Restaurant

$2.76 ¥18.63

$4.75 ¥32.12

-41.89%

Three-Course Dinner for Two, Mid-Range

$23.19 ¥157

$36.31 ¥246

-36.13%

Fast Food Meal (McDonalds, etc)

$5.51 ¥37.28

$5.42 ¥36.62

1.66%

Cappuccino

$2.82 ¥19.06

$3.54 ¥23.97

-20.34%

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

$0.48 ¥3.25

$0.54 ¥3.67

-11.11%

Water (0.33 liter bottle)

$0.31 ¥2.12

$0.33 ¥2.26

-6.06%

Local Beer (0.5 liter draught)

$1.41 ¥9.50

$1.42 ¥9.61

-0.70%

Imported Beer (0.33 liter bottle)

$3.46 ¥23.39

$2.77 ¥18.73

24.91%

Milk (1 liter)

$1.87 ¥12.65

$2.09 ¥14.11

-10.53%

White Bread (500g)

$2.09 ¥14.16

$1.85 ¥12.52

12.97%

Rice (white) (1kg)

$0.81 ¥5.50

$1.07 ¥7.22

-24.30%

Eggs

$1.39 ¥9.40

$1.69 ¥11.45

-17.75%

Local Cheese (1kg)

$11.02 ¥74.5

$15.46 ¥105

-28.72%

Chicken Fillets (1kg)

$2.35 ¥15.89

$3.22 ¥21.74

-27.02%

Beef Round Steak (1kg)

$11.16 ¥75.4

$10.81 ¥73.1

3.24%

Apples (1kg)

$2.46 ¥16.62

$2.27 ¥15.35

8.37%

Banana (1kg)

$1.38 ¥9.34

$1.74 ¥11.78

-20.69%

Oranges (1kg)

$1.50 ¥10.15

$1.71 ¥11.57

-12.28%

Tomato (1kg)

$1.86 ¥12.57

$1.51 ¥10.20

23.18%

Potato (1kg)

$0.97 ¥6.54

$0.86 ¥5.80

12.79%

Onion (1kg)

$1.68 ¥11.37

$1.15 ¥7.79

46.09%

Lettuce (1 head)

$0.81 ¥5.50

$0.67 ¥4.55

20.90%

Water (1.5 liter bottle)

$0.52 ¥3.51

$0.55 ¥3.73

-5.45%

Cigarettes 20 Pack (Marlboro, Camel)

$2.74 ¥18.53

$2.76 ¥18.64

-0.72%

Wine (Bottle)

$10.92 ¥73.8

$11.94 ¥80.7

-8.54%

Local Beer (0.5 liter bottle)

$0.78 ¥5.29

$0.79 ¥5.35

-1.27%

Imported Beer (0.33 liter bottle)

$1.65 ¥11.17

$1.57 ¥10.63

5.10%

One-way Ticket (Public Transport)

$0.22 ¥1.49

$0.41 ¥2.77

-46.34%

Public Transport Monthly Pass (Regular Price)

$11.09 ¥75.0

$35.46 ¥240

-68.73%

Taxi Start (Normal Tariff)

$1.41 ¥9.52

$2.18 ¥14.75

-35.32%

Taxi (Normal Tariff) (1km)

$0.28 ¥1.90

$0.41 ¥2.76

-31.71%

Taxi 1hour Waiting (Normal Tariff)

$6.66 ¥45.03

$8.37 ¥56.6

-20.43%

Gasoline (1 liter)

$1.17 ¥7.91

$1.10 ¥7.42

6.36%

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

$16.6K ¥112.0K

$19.4K ¥130.9K

-14.40%

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

$17.3K ¥117.2K

$18.0K ¥121.9K

-3.90%

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

$39.17 ¥265

$52.7 ¥356

-25.65%

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

$10.06 ¥68.1

$8.84 ¥59.8

13.80%

Internet (50+ Mbps, Unlimited Data)

$9.63 ¥65.1

$13.62 ¥92.1

-29.30%

Gym Membership (Monthly)

$44.79 ¥303

$46.97 ¥318

-4.64%

Tennis Court (1 Hour on Weekend)

$9.77 ¥66.1

$20.24 ¥137

-51.73%

Cinema Ticket

$9.64 ¥65.2

$8.40 ¥56.8

14.76%

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

$454 ¥3,070

$1,274 ¥8,617

-64.37%

International Primary School, 1 Child (Yearly)

$22.7K ¥153.3K

$31.0K ¥209.3K

-26.78%

Jeans (Levis 501 Or Similar)

$43.99 ¥297

$58.3 ¥394

-24.48%

Summer Dress (H&M, Zara, etc)

$27.55 ¥186

$37.30 ¥252

-26.14%

Sport Shoes (Adidas, Nike)

$83.3 ¥563

$78.1 ¥528

6.71%

Men's Leather Business Shoes

$78.6 ¥531

$97.5 ¥660

-19.44%

1-bedroom Apartment, City Center (Monthly)

$329 ¥2,227

$941 ¥6,361

-64.98%

1-bedroom Apartment, Outside City Center (Monthly)

$252 ¥1,706

$566 ¥3,827

-55.42%

3-bedroom Apartment, City Center (Monthly)

$862 ¥5,828

$2,538 ¥17.2K

-66.04%

3-bedroom Apartment, Outside City Center (Monthly)

$505 ¥3,417

$1,179 ¥7,976

-57.16%

Buy Apartment in City Center (m2)

$8,426 ¥57.0K

$14.4K ¥97.3K

-41.43%

Buy Apartment Outside City Center (m2)

$4,749 ¥32.1K

$6,836 ¥46.2K

-30.52%

Average Monthly Net Salary (After Tax)

$1,148 ¥7,763

$1,653 ¥11.2K

-30.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.56

3.58

-0.56%

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

Last update for Xiamen: June 6, 2026

Last update for Shanghai: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $329 in Xiamen and $941 in Shanghai. Housing cost is often the main lever when comparing two cities.

Shanghai pays 44% 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: $23.00 in Xiamen vs $36.00 in Shanghai for a mid-range dinner for two. Groceries echo the gap at $207 vs $227 per month, with Xiamen cheaper across the board.

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

Xiamen vs Shanghai: Cost of Living - Frequently Asked Questions

Xiamen and Shanghai differ by about 52% in total monthly costs ($792 vs $1,206 including rent). Xiamen is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Shanghai earns 44% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $329 in Xiamen versus $941 in Shanghai. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $454 in Xiamen versus $1,274 in Shanghai. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Shanghai. For households that cook at home regularly, that difference adds up over a month.

At $792 in Xiamen versus $1,206 in Shanghai, a $1,500 budget is realistic in Xiamen but tight or insufficient in Shanghai. The gap between the two cities makes Xiamen 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.

Expats usually find Xiamen gentler on the wallet – expenses run 52% less than in Shanghai. Beyond cost, consider language, visa policies, and how big the international community is in each city.