Nomadsurance

Cost of living

Cost of living in Japan for digital nomads

What a solo remote worker actually spends per month in Tokyo, Osaka and Fukuoka, and where the money really goes.

by Lukas Schönberg, founder
Draft notice: First-draft editorial; review pending.

Key takeaways

  • A solo nomad lands around $1,115–$1,840 (¥180,000–295,000) a month in Tokyo, before flights, visa and insurance.
  • Rent is what moves the number: ¥104,368 for a one-bed outside the centre, ¥201,500 for something central in Tokyo.
  • Osaka and Fukuoka are a good bit cheaper. A central one-bed is about ¥112,000 in Osaka and ¥77,433 in Fukuoka.
  • Eating out stays reasonable. A meal at a casual restaurant runs about ¥1,200 in Tokyo.

Monthly budget

ItemUSDLocal
Rent, 1-bedTokyo, outside centre to central$647–$1,249¥104,368–201,500
Utilitieselectricity, water and gas, one person$147¥23,705
Foodeating out about once a day; cooking pulls it lower$223¥36,000
Mobile dataplan with 10GB or more$20¥3,229
Local transportmonthly train pass; pay-as-you-go if you stay local$76¥12,250
Coworking deskoptional monthly hot desk$124–$186¥20,000–30,000
Typical totalsolo, lean to comfortable, excl. flights, visa, insurance$1,115–$1,840¥180,000–295,000

What different budgets get you

Lean, solo

~$1,115

A one-bed outside the centre in Tokyo, cooking most nights, no paid desk.

Comfortable, solo

~$1,840

A central Tokyo flat, eating out most days, fibre at home.

Couple

~$1,890

A shared central one-bed, food and data for two.

Rent

In Tokyo you will pay around ¥104,368 a month for a one-bed outside the centre, or ¥201,500 for something central. That central figure is the line that hurts, and on its own it is most of your budget. Osaka drops you to roughly ¥84,000 on the edges and ¥112,000 in the middle. Fukuoka is cheaper still, about ¥52,100 outside the centre and ¥77,433 central. The spread across Tokyo's wards is wide too, so the neighbourhood you pick swings the rent as much as the city does. Budget for the move-in hit as well: key money, deposit and the agency fee can run two to five months' rent up front.

Food

Eating out barely dents the budget. A meal at a casual restaurant is about ¥1,200 in Tokyo, ¥1,000 in Osaka and ¥1,150 in Fukuoka, and a conbini bento or a standing-soba lunch comes in well under that. Eat out once a day in Tokyo and you are looking at roughly ¥36,000 a month on restaurant meals alone; cook a few nights and that drops. The supermarkets and the depachika food halls make self-catering easy when you want to pull the number down.

Coworking

Tokyo has more coworking than you could ever use, from quiet membership floors to drop-in desks above a station. Osaka and Fukuoka both have solid scenes, and Fukuoka has gone out of its way to court remote workers. Plenty of people skip the membership and work from a kissaten or a chain café with free wifi, so treat the desk as optional rather than a fixed line.

Transport

You will not want a car here, and you will not need one. Trains and subways cover everything, run on time and reach the suburbs, and a rechargeable IC card (Suica or Pasmo) taps you through every gate. Commuter passes get cheaper the more you ride, so if you settle in one area and cross town daily, a monthly pass pays for itself. Otherwise pay as you go.

Connectivity

A mobile plan with 10GB or more runs about ¥3,229 a month in Tokyo, ¥3,833 in Osaka and ¥3,920 in Fukuoka, with the online-only carriers sitting at the low end. Add apartment fibre, which is fast and near-universal, and you are set for video calls all day with the SIM as a backup for travel days.

Tokyo vs Osaka

Tokyo costs more, and it is mostly rent. A central one-bed is around ¥201,500 against roughly ¥112,000 in Osaka, so the same flat can run close to double. Food, data and getting around cost about the same in both, and Osaka has the edge on eating well for less. What Tokyo buys you is the bigger international airport, the deepest client market and more of everything; Osaka trades a little of that for a noticeably lower rent. Fukuoka takes the cost-cutting further again if you want the cheapest of the three.

Rent by neighbourhood

Tokyo

Suginami$650–$835¥105,000–135,000
Nakano$680–$900¥110,000–145,000
Setagaya$805–$1,085¥130,000–175,000
Meguro$900–$1,210¥145,000–195,000
Shinjuku$960–$1,270¥155,000–205,000
Shibuya$1,180–$1,520¥190,000–245,000

How it compares

Hub1-bed, centre
Bali (Denpasar)$380
Chiang Mai$500
Bangkok$665
Tokyo$1,250
Lisbon$1,625

Central one-bed monthly rent, US$. Bali here is Denpasar; Canggu and Ubud cost more.

FAQ

About $1,115 to $1,840 a month (¥180,000–295,000) for one person, covering rent, utilities, food, transport and data. That leaves out flights, visa costs and insurance. The low end means a one-bed outside the centre and cooking most nights; the high end is a central flat and eating out most days.

Fukuoka, then Osaka, then Tokyo, and the gap is almost all rent. A central one-bed is about ¥77,433 ($480) in Fukuoka and ¥112,000 ($694) in Osaka, against ¥201,500 ($1,249) in Tokyo. Food, data and transport cost roughly the same in all three.

Not comfortably in central Tokyo, where rent alone eats most of it. In Osaka or Fukuoka, or outside the centre in Tokyo, it is closer to workable. A thousand dollars covers a solo nomad's rent outside the centre, food and data, but leaves little room and excludes insurance, visa costs and flights.

In Tokyo, roughly ¥104,368 ($647) a month for a one-bed outside the centre and ¥201,500 ($1,249) central. Osaka runs about ¥84,000 ($521) to ¥112,000 ($694), and Fukuoka about ¥52,100 ($323) to ¥77,433 ($480). Expect upfront move-in costs on top of the monthly rent.

No. This is living costs only. International health insurance and visa costs are separate and add up fast. Our Japan insurance and visa guide covers what those actually run.

Both. A mobile plan with 10GB or more is about ¥3,229 ($20) a month in Tokyo, a little more in Osaka and Fukuoka, and apartment fibre is fast and everywhere. For most work the plan plus fibre is plenty.

Eating out about once a day runs roughly ¥36,000 ($223) a month in Tokyo, with a casual meal around ¥1,200 ($7.40). Osaka and Fukuoka sit slightly lower per meal, and cooking with supermarket groceries pulls the monthly number down further.

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