Cost of living in Japan – single, family & student

Expat life
09 Jul 2024
11 mins read
Written by pranit

The cost of living in Japan for a single person is around ¥ 166,000 monthly. 


As exciting as it is to experience the rich culture of Japan, considering the financial aspects, such as the average cost of living in Japan is crucial if you are planning to move to the country. 


This guide will provide a comprehensive overview of the expenses you can expect as a single professional, a family or a student to ensure that planning your budget to live in Japan goes smoothly and that you can make the most of your time in Japan.  

Overview of cost of living in Japan

  • The cost of living in Japan for a single person =  ¥ 166,000 per month with rent and  ¥ 91,000  without rent.
  • The average cost of living in Japan for a student = ¥ 93,000 per month with rent and around  ¥ 55,000 without rent. 
  • The cost of living in Japan for a family of four =  ¥ 427,000 per month with rent and  ¥ 280,000 without rent. 

Do you know?

  • Japan, with a total GDP of 4,256,411 Million USD, is currently third in the World Bank’s 2022 GDP rankings globally. [1]  
  • As per the World Health Organisation, Japan has a high life expectancy rate, with a reported average of 84.5 years in 2021. [2]
  • Japan secured the 11th position globally with 177.6 points in the Quality of Life Index, making it one of the best countries to live in.[3]

A glance at the average cost of living in Japan

Cost of living in Japan


Expense Category

Percentage from Total Expenses



Clothing And Shoes


Sports And Leisure




Monthly Utilities 


Rent Per Month




Source: Numbeo 

The average cost of living in Japan: Single vs student vs family


Type of expense

Avg. cost per month for student

Avg. cost per month for singles

Avg. cost per month for family

Rent and Utilities  (electricity, water, heating, etc. )

¥ 45,000

¥ 75,100

¥ 146,000


¥ 28,000

¥ 56,900

¥ 151,000


¥ 4,000

¥ 19,700

¥ 53,900

Health Care

¥ 3,000

¥ 40,000

¥ 35,812

Source: Livingcost.orgInternations.orgStudyinjapan.go.jpStatista.


An overview of monthly rents in Japan


Expense Category 


Avg. cost per month 


1-bedroom apartment (in the city centre)

¥ 87,064.10

1-bedroom apartment (outside the city centre)

¥ 56,853.53

3-bedroom apartment (in the city centre)

¥ 181,568.65

3-bedroom apartment (outside the city centre)

¥ 114,586.07 

Source: Numbeo 

Average cost of living in Japan citywise

Type of expense





Avg. Monthly Salary (after taxes)

¥ 437,000

¥ 378,000

¥ 318,000

¥ 321,000

Cost of living (single)

¥ 236,000

¥ 201,000

¥ 169,000

¥ 181,000

Cost of living (family)

¥ 606,000

¥ 513,000

¥ 445,000

¥ 551,000

Rent & utilities (single)

¥ 115,000

¥ 93,500

¥ 65,100

¥ 82,400

Rent & utilities (family)

¥ 233,000

¥ 189,000

¥ 136,000

¥ 238,000

Food (single)

¥ 64,500

¥ 56,200

¥ 55,500

¥ 52,700

Food (family)

¥ 173,000

¥ 151,000

¥ 148,000

¥ 141,000

Transport (single)

¥ 40,700

¥ 35,200

¥ 33,500

¥ 33,300

Transport (family)

¥ 112,000

¥ 94,000

¥ 93,300

¥ 90,200

The overall quality of life





Source: (Refer to citiwise cost of living pages)

Tax scenario

Japan’s income tax system is based on self-assessment and requires taxpayers to calculate their taxable income and file returns by the following year’s deadline. 


While taxpayers determine their tax obligations and file returns, employers withhold taxes from salaries, wages, and other specific incomes. 


From 2013 to 2037, 2.1% of the ‘Special Income Tax for Reconstruction’ was added to support the recovery efforts for the damage caused during the 2011 Tohoku earthquake and tsunami. 


Income tax obligations vary based on the residency status of individuals residing in Japan. Here is a quick overview of the same. 



Income source other than Foreign Source Income

Foreign source Income

Paid in Japan

Paid Abroad


Resident other than non-permanent resident


Non-permanent Resident


Only the portion deemed remitted to Japan is Taxable


Domestic Source Income

Income other than Domestic Source Income


Taxable in principle


Source: The National Tax Agency of Japan

What salary do you need to live in Japan?

The average salary required to live in Japan varies depending on individual circumstances. Recent data from SalaryExplorer shows that the average salary in Japan in 2024 is approximately ¥ 516,000 per month, about ¥ 6,200,000 annually. 


For a single-working professional, around a minimum of ¥ 200,000 per month may be required to cover the basic living expenses. While the basic monthly cost of living in Japan for a couple may go over ¥ 300,000, a family may require around  ¥ 500,000 for a comfortable lifestyle. 


These estimates can differ significantly depending on location, spending habits, specific needs and overall lifestyle choices. 


Although Japan’s standard of living is considerably higher than most countries, it is crucial to consider individualistic aspects as you plan your finances. When in Japan, living expenses can vary based on the city and location you choose, and how you manage your finances.


Also read: Average salary in Japan

What should be your monthly budget to live in Japan?







¥ 35,000 – ¥ 40,000

¥ 73,000 – ¥ 77,000

¥ 145,000 – ¥ 149,000


¥ 5,000 – ¥ 9,000

¥ 8,000 – ¥ 12,000

¥ 18,000 – ¥ 26,000


¥ 26,000 – ¥ 32,000

¥ 56,000 – ¥ 61,000

¥ 149,000 – ¥ 153,000


¥ 3,000 – ¥ 7,000

¥ 17,000 – ¥ 22,000

¥ 51,000 – ¥ 56,000

Health insurance 

¥ 2,000 – ¥ 6,000

¥ 30,000 – ¥ 45,000

¥ 120,000 – ¥ 180,000

Other (entertainment, shopping, personal care)

¥ 4,000 – ¥ 7,000

¥ 12,000 – ¥ 20,000

¥ 25,000 – ¥ 41,000


¥ 75,000 – ¥ 101,000

¥ 196,000 – ¥ 237,000

¥ 508,000 – ¥ 605,000


##It is an approximate value based on the consumer prices and average living expenses of an individual. It is advisable to consider income level, spending habits, location, and specific monthly costs to calculate an accurate budget.

Do’s and Don’ts

  • Save Money with IC Cards: 

Prepaid cards, known as IC cards, are popular in Japan for transit and shopping. Although the savings might be small, IC cards ensure you pay the exact fare for shopping travel instead of a rounded-up cash amount. These can be used at convenience stores, train station shops and vending machines. 


  • Shop Smart:

Shops at supermarkets are known for closing-time discounts. Prices can drop up to 50% during these sales offering a great way to save on food and grocery expenses. 

If this is not an easily available option, shop at wholesale markets like Gyomu Suupaa and Costco. Although you need to pay an additional ¥ 4000 for a Costco membership before your first shopping trip, the store offers a variety of goods at discounted prices.   


  • Cook at home: 

Cooking at home can significantly help you cut your overall food expenses, especially when paired with smarter shopping habits. 

By cooking at home you can control your expenses by managing your portion sizes and using your ingredients efficiently. This helps you minimise both food waste and costs.  


  • Utilise student discounts: 

If you are a student living in Japan, there are several ways to save or manage money. Make sure you utilise various student discounts available on transportation expenses,  restaurants and cafes. 

Retail stores catering to young adults and students also offer significant discounts that can help save money on clothes, electronics and even stationery. 


  • Get Point Cards: 

Using point cards in places you frequent for shopping, at cafes, convenience stores or pharmacies can help accumulate points that can be used to pay for your purchase instead of money when required. These are also available digitally for some restaurants and shops through popular apps like Line. 

  • Overly rely on convenience stores:

Although convenience stores are a cost-effective option for ready-made meals, they can be expensive for daily essentials and groceries. Moreover, only relying on packaged food for the long term can impact your health significantly.  


  • Ignore Seasonal Discounts:

Seasonal sales and discounts are common in Japan, especially during major holidays. These sales offer substantial discounts on quality clothing, electronics and other items. 


  • Neglect Budgeting your Utilities:

Utility costs, including electricity, heating, and water, can vary depending on the city and location of your choice. However, without a budget, you may encounter unexpected expenses.


  • Ignoring Public Transportation Options: .

Japan has an extensive and efficient transportation system. From the Japanese railway to buses, all public transportation options offer great connectivity throughout the country. 

Instead of opting for expensive taxis, it is advisable to research the connectivity of buses and trains when travelling in Japan and save more on transport costs.

Top Cities in Japan for Students and Job Seekers

  • Tokyo

Tokyo is Japan’s capital and its largest metropolitan city. As the country’s financial, political, and cultural hub, it attracts businesses, students, and tourists worldwide.

Tokyo offers many job opportunities across various industries, including finance, it, entertainment and fashion. 

Leading universities such as the University of Tokyo and Waseda University are well known for their academic excellence and research. 

Living in Tokyo provides many amenities and a unique opportunity to experience its dynamic culture.


Average cost of living per person: ¥ 236,000 per month. 


  • Yokohama

Yokohama is a city located to the south of Tokyo. It is Japan’s second-largest city and a major port hub that offers a more relaxed lifestyle compared to the fast-paced metropolis of Tokyo.  

Yokohama has a thriving business environment with various industries like shipping, logistics, technology, and automotive manufacturing, which offers a variety of job opportunities. 

Yokohama City University and Yokohama National University are notable educational institutions that attract students interested in marine science, engineering and international business. 


Average cost of living per person: ¥ 201,000 per month


  • Osaka

Osaka is a city that is located in the Kansai region of Japan. It is the third largest city in the country and a dynamic economic centre. 

This city is home to major corporations in electronics, pharmaceuticals and textiles making it a prime destination for job seekers. 

Educational institutions like Osaka University and Kansai University are well respected for their research programs and international partnerships. 


Average cost of living per person: ¥ 169,000 per month


  • Nagoya

Located in the Chubu region, Nagoya is Japan’s fourth largest city and a key industrial centre. 

Known as the heart of the automotive industry in Japan, it is home to major manufacturers like Toyota and Mitsubishi. The city also offers diverse job prospects in aerospace, ceramics and machinery manufacturing for engineers and business professionals. 

Nagoya University and Nagoya Institute of Technology are prestigious institutions that draw students interested in robotics, engineering and material sciences. 


Average cost of living per person: ¥ 181,000 per month

Before you go…

If you want to live in Japan and explore the opportunities there, start planning now. Assess your finances and consider factors like Japan’s inflation rate and the average cost of living in your desired city or location.


Additionally, research income levels and average salaries in Japan. This information will help you plan your budget to live in Japan more efficiently, considering taxation and expected income. Upon moving if you plan to send money from Japan back home, you will need a reliable and cost-effective source like Instarem to ensure transactions go smoothly.  


Instarem offers competitive exchange rates and secure transactions that ensure fast** and safe transfers whenever you want to send money to India from Japan. Moreover, our favourable coverage rates ensure affordable# transactions every time your currency is converted from JPY to INR. 


Download the Instarem App from the App Store and Google Play for hassle-free money transfers. 


Q. Is it expensive to live in Japan?

Japan’s cost of living index rates Japan’s cost of living as 1.05 times more expensive than the global average. 


Q. How much money do you need to live in Japan?

The amount of money required to live in Japan comfortably varies depending on many factors. However, the average amount can range between ¥ 196,000 – ¥ 237,000 for one person. 


Q. How much does it cost to live in Japan for International students?

It can cost international students somewhere between ¥ 75,000 – ¥ 101,000 to live comfortably in Japan. 


Q. Is it cheaper to live in Sydney or Japan?

Japan’s cost of living is considerably cheaper when compared to that of Sydney, Australia. One would need around ¥ 1,055,593 in Sydney to maintain the same standard of life that you can have with ¥ 680,000 in Tokyo. 


Q. What is the average room rent in Japan?

The average room rent for a 1 bedroom apartment in the city centre can cost around ¥ 87,064.10. 


Q. What is the cost of living in Japan per month?

The average monthly cost of living in Japan for a single person is around ¥166,000 per month.  


Q. How much is the cost of living in Japan for a couple?

The basic monthly cost of living in Japan for a couple ranges around ¥ 300,000. 


Q. What is the cost of living in Japan for a single person?

The average annual cost of living in Japan for single is around ¥1,992,000. 


Q. What is the cost of living in Japan for a family?

The cost of living in Japan for a family is ¥ 427,000 per month with rent and  ¥ 146,000 per month without rent. 


Q. What is a good salary in Japan?

The average monthly salary in Japan after income tax is around ¥329,000. However, income level, spending habits, location, and specific monthly expenses influence an individual’s disposable income and lifestyle.


Other Related Articles


Cost of living in Australia

Cost of living in USA

Cost of living in Singapore

Cost of living in Sydney

Cost of living in Melbourne

Cost of living in Perth

Cost of living in Brisbane

Cost of living in Ireland

Cost of living in Toronto



  • This article is intended for informational purposes only. All details are accurate at the time of publishing. Instarem has no affiliation or relationship with products or vendors mentioned.
  • Prices mentioned in this blog are subject to change.
  • ** Fast meaning 75% of our transactions are completed in 15 minutes. Depending on the funding method.
  • # When it comes to affordable exchange rates and fees, it’s worth noting that the cost will vary depending on how you choose to fund your transactions. Credit card funding and bank transfer fees can differ significantly. 
  • The prices were taken on 20th and 21st June 2024 from different sources and are subject to change.







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Instarem stands at the forefront of international money transfer services, facilitating fast and secure transactions for both individuals and businesses. Our platform offers competitive exchange rates for popular currency pairs like USD to INR, SGD to INR, and AUD to INR. If you're looking to send money to India or transfer funds to any of 60+ global destinations, Instarem makes it easy for you. We are dedicated to simplifying cross-border payments, providing cutting-edge technology that support individuals and businesses alike in overcoming traditional fiscal barriers normally associated with banks. As a trusted and regulated brand under the umbrella of the Fintech Unicorn Nium Pte. Ltd., and its international subsidiaries, Instarem is your go-to for reliable global financial exchanges. Learn more about Instarem.

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