Is Japan expensive? We break down the real cost of living in 2026, from rent and food to taxes and healthcare.

The myth that "Japan is expensive" is outdated. In 2026, thanks to the weak Yen and stagnant inflation, Japan is surprisingly affordable compared to the US or Europe. Here is a realistic Japan cost of living breakdown.

1. Rent (Monthly)

• Tokyo (Central):
  • Studio (1K): 100,000 - 150,000 JPY ($700 - $1,000).
  • Family (2LDK): 250,000+ JPY ($1,700+).
• Osaka / Fukuoka:
  • Studio: 50,000 - 70,000 JPY ($350 - $500).
  • Family: 100,000 - 150,000 JPY ($700 - $1,000).
• Countryside (Inaka):
  • Whole House: 30,000 - 50,000 JPY ($200 - $350).

2. Food

• Groceries: 30,000 - 50,000 JPY per person.
• Eating Out:
  • Lunch: 1,000 JPY ($7).
  • Dinner (Izakaya): 3,000 - 5,000 JPY ($20 - $35).
  • No tipping!

3. Utilities & Internet

• Electricity/Gas/Water: 15,000 - 25,000 JPY (Higher in winter).
• Internet (Fiber): 4,000 - 5,000 JPY.
• Phone Plan: 3,000 JPY (Sim-only).

👉 Visa Costs: Japan Student Visa Cost 2026

4. Taxes & Insurance (The Hidden Cost)

If you work in Japan, about 20% - 30% of your gross salary will disappear before it hits your bank account.

• Income Tax: Progressive rate (5% - 45%).
• Residence Tax: 10% (billed the following year).
• Social Insurance: Approx. 14% (Pension + Health).

Conclusion

A single person can live comfortably in Tokyo for 250,000 JPY ($1,700) a month. In the countryside, you can get by on 150,000 JPY ($1,000).