Cost Of Living in Osaka 2025

cost of living chart - average monthly expenditure in Osaka

Average monthly spending for singles, couples, students, and families in Osaka

Whether you're living in Osaka or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Average Monthly Expenditure

Currency: JPY
47,000 470,000 7M
MINIMUM AVERAGE MAXIMUM
$310 $3,100 $47,000

Monthly Expenditure ▶ Single

Currency: JPY
61,000 430,000 4.7M
MINIMUM AVERAGE MAXIMUM
$400 $2,800 $31,000

Monthly Expenditure ▶ Couple

Currency: JPY
96,000 630,000 5.8M
MINIMUM AVERAGE MAXIMUM
$640 $4,200 $38,000

Monthly Expenditure ▶ Family

Currency: JPY
150,000 730,000 7.3M
MINIMUM AVERAGE MAXIMUM
$980 $4,900 $49,000

Monthly Expenditure ▶ Student

Currency: JPY
47,000 300,000 3.4M
MINIMUM AVERAGE MAXIMUM
$310 $2,000 $22,000
Reasons that make it difficult for people to save money in Osaka

Saving Challenges in Osaka

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Osaka. Listed below are the answers given by the survey participants.


Reason% People
Low Income6%
High Expenses9%
Debt and Loans17%
Lack of Budgeting Skills11%
Impulsive Spending10%
Financial Emergencies6%
Living the moment6%
Will do it later18%
Inflation11%
Social Pressure3%
Market Instability3%

Around 6% of the people said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 17% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 10% blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 18% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 11% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Where do people choose to put their savings in Osaka

Typical saving choices for people in Osaka

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold11%
Savings Accounts17%
Retirement Accounts11%
Cash Savings17%
Real Estate10%
Investment6%
Stocks6%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%

Expenditure to Income Ratio in Osaka

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Cost of living and expenditure to income ratio in Osaka

Spending to Income Ratio

93%

83% to 100%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%6%
50% - 60%11%
60% - 70%17%
70% - 80%26%
80% - 90%17%
90% - 100%9%
100% - 110%5%
110% - 120%3%
120% - 130%2%
130% - 140%2%
> 140%1%

Interpretation and Analysis

The average spending-to-salary ratio in Osaka is 93% This means that on average, people spend around 93% of their income for living. According to the distribution table, 17% of the population spend approximately 60% to 70% of their income every month.


How can spending be more than income?

A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.



Individual
85%
Spending-Income-Ratio
76%
94%

Couple
91%
Spending-Income-Ratio
81%
100%

Family
96%
Spending-Income-Ratio
85%
110%
Chart showing the percentage of people who are in debt in Osaka

Debt, loans, and mortgages in Osaka


Percentage of people who are in debt


In Debt
27%
Debt Free
73%

According to the survey, 27% of the people in Osaka have some kind of debt, loan, mortgage, or credit card payments while 73% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Osaka

Debt-to-income ratio in Osaka

Debt to income ratio

29%

20% to 38%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 29% of the people's monthly income in Osaka goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%13%
40% - 50%12%
30% - 40%14%
20% - 30%14%
10% - 20%17%
0% - 10%27%

According to our data, 3% of the debtors in Osaka pay 60%+ of their income as debt settlement while 13% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 12% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 14% dedicated 30% to 40% of income for same. Things are looking brighter for 14% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Osaka

Debt% People
Real Estate Mortgage12%
Auto Loan21%
Student Loan3%
Credit Card26%
Personal Loan38%

12% of debtors in Osaka confirm that real estate mortgages constitutes the main part of their outstanding debt while 26% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 21% of people and personal loans rose at 38%. Lastly, student loans are the main source of debt for 3% of debtors in Osaka.


About credit score and debt management

Managing debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.


Loan Affordability Index in Osaka

Besides measuring the loan-to-income ratio, we asked residents how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never54%
Once a year22%
Twice a year12%
Three times a year8%
Four times a year4%
Income and cost of living compatibility. Is it affordable or economical to live in Osaka

Affordable living in Osaka

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Osaka?


Yes
74%
No
26%

Around 74% of surveyed residents think that living in Osaka is affordable with proper budgeting while 26% reported that it is just too expensive and not affordable even with frugality and thriftness.

The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Osaka is 430,000 JPY. Expenses can range from 61,000 JPY at the minimum level to 4.7M JPY at the highest end.


Couples

The average monthly spending of couples in Osaka is 630,000 JPY. Expenditure can range from 96,000 JPY to 5.8M JPY per month.


Families

The average cost of living for families in Osaka is 730,000 JPY per month. Families spend anywhere from 150,000 JPY to 7.3M JPY.


Students

The average monthly expenditure for students in Osaka is 300,000 JPY. Students spend from 47,000 JPY to 3.4M JPY per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
Financial literacy and difficulty in budgeting and financial planning in Osaka

Financial Literacy in

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy69%


We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 31% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 69% said that they know about the general principles of personal finance from sources other than their own experience.


Difficulty in Budgeting and Financial Planning

We wanted to understand whether residents of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 28% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 72% said that they have everything under control.

Struggles with finance28%

Easily manages finances72%

How easily is cost-cutting. Are there plenty of low-cost options in Osaka

Low-cost alternatives in Osaka

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options61%

Few low-cost options39%


Based on the survey, 61% of the people living in Osaka have no problem finding low-cost alternatives to support a frugal lifestyle while 39% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Emergency Funds

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents whether they have an emergency fund and the answers were as follows.

Yes72%

No28%


Based on the survey, 28% of the people living in Osaka said that they don't have an emergency fund while 72% said that they do.

Prices and cost of goods and services in Osaka

Chart showing the prices and cost of grocery, food, restaurant meals, market, and beverages in Osaka

Dining, food, and beverages costs


Fast food combo meal

590 JPY 1,200 JPY 2,000 JPY
MINIMUM AVERAGE MAXIMUM
$3.9 $7.8 $13

Restaurant meal for one

2,000 JPY 3,000 JPY 6,100 JPY
MINIMUM AVERAGE MAXIMUM
$13 $20 $40

Fine dining meal for one

3,900 JPY 5,900 JPY 24,000 JPY
MINIMUM AVERAGE MAXIMUM
$26 $39 $160

Cappuccino or latte

500 JPY 800 JPY 1,200 JPY
MINIMUM AVERAGE MAXIMUM
$3.3 $5.3 $8

Grocery and market costs


Milk large bottle

400 JPY 480 JPY 610 JPY
MINIMUM AVERAGE MAXIMUM
$2.7 $3.2 $4

12 eggs

290 JPY 390 JPY 590 JPY
MINIMUM AVERAGE MAXIMUM
$1.9 $2.6 $3.9

Fresh whole chicken

690 JPY 890 JPY 1,300 JPY
MINIMUM AVERAGE MAXIMUM
$4.6 $5.9 $8.4

Pack of beef

830 JPY 1,200 JPY 2,500 JPY
MINIMUM AVERAGE MAXIMUM
$5.5 $8.3 $17

Medium bag of rice

310 JPY 430 JPY 600 JPY
MINIMUM AVERAGE MAXIMUM
$2.1 $2.8 $4

Bag of tomatos

120 JPY 160 JPY 290 JPY
MINIMUM AVERAGE MAXIMUM
$0.78 $1 $2

Bag of apples

210 JPY 280 JPY 460 JPY
MINIMUM AVERAGE MAXIMUM
$1.4 $1.9 $3
Chart showing the prices and cost of commute, travel, and transportation in Osaka

Commute, travel, and transportation costs


20 minutes taxi ride

510 JPY 610 JPY 1,200 JPY
MINIMUM AVERAGE MAXIMUM
$3.4 $4 $8.1

Average car full tank

2,900 JPY 3,900 JPY 7,900 JPY
MINIMUM AVERAGE MAXIMUM
$20 $26 $52

Average car 1-day rental

2,800 JPY 3,700 JPY 5,600 JPY
MINIMUM AVERAGE MAXIMUM
$19 $25 $37

Average car price

1.4M JPY 2.8M JPY 3.8M JPY
MINIMUM AVERAGE MAXIMUM
$9,500 $19,000 $25,000

Bus ticket one way

95 JPY 140 JPY 280 JPY
MINIMUM AVERAGE MAXIMUM
$0.63 $0.94 $1.9

Car Service

3,900 JPY 5,800 JPY 12,000 JPY
MINIMUM AVERAGE MAXIMUM
$26 $38 $77
Chart showing the prices and cost of utility, energy, water, and gas in Osaka

Utility cost (monthly)


Utility Bill - Individual

3,300 JPY 23,000 JPY 260,000 JPY
MINIMUM AVERAGE MAXIMUM
$22 $150 $1,700

Utility Bill - Couple

3,400 JPY 25,000 JPY 280,000 JPY
MINIMUM AVERAGE MAXIMUM
$23 $170 $1,900

Utility Bill - Family

6,400 JPY 32,000 JPY 320,000 JPY
MINIMUM AVERAGE MAXIMUM
$43 $210 $2,100

Internet and cable

3,000 JPY 6,100 JPY 8,100 JPY
MINIMUM AVERAGE MAXIMUM
$20 $40 $54

Mobile phone charges

2,100 JPY 3,500 JPY 11,000 JPY
MINIMUM AVERAGE MAXIMUM
$14 $23 $70

Leisure and activities costs


Movie ticket

1,400 JPY 1,800 JPY 2,700 JPY
MINIMUM AVERAGE MAXIMUM
$9 $12 $18

One month gym membership

4,800 JPY 6,000 JPY 12,000 JPY
MINIMUM AVERAGE MAXIMUM
$32 $40 $79
Chart showing the prices and cost of clothing and accessories in Osaka

Cloths and accessories costs


Pair of jeans or pants

3,600 JPY 5,100 JPY 7,600 JPY
MINIMUM AVERAGE MAXIMUM
$24 $34 $51

Woman dress

3,400 JPY 4,800 JPY 15,000 JPY
MINIMUM AVERAGE MAXIMUM
$23 $32 $100

Woman shoes

3,100 JPY 4,200 JPY 9,800 JPY
MINIMUM AVERAGE MAXIMUM
$21 $28 $65

Men's shoes

2,700 JPY 3,300 JPY 6,600 JPY
MINIMUM AVERAGE MAXIMUM
$18 $22 $44

Men suit

3,000 JPY 3,800 JPY 20,000 JPY
MINIMUM AVERAGE MAXIMUM
$20 $25 $130

Regular t-shirt

1,500 JPY 2,100 JPY 6,200 JPY
MINIMUM AVERAGE MAXIMUM
$10 $14 $41
Chart showing the prices and cost of housing, accommodation, and rent in Osaka

Housing costs / monthly rent


Studio apartment

54,000 JPY 81,000 JPY 220,000 JPY
MINIMUM AVERAGE MAXIMUM
$360 $540 $1,400

1-bedroom apartment

83,000 JPY 130,000 JPY 330,000 JPY
MINIMUM AVERAGE MAXIMUM
$550 $880 $2,200

2-bedroom apartment

110,000 JPY 170,000 JPY 450,000 JPY
MINIMUM AVERAGE MAXIMUM
$750 $1,100 $3,000

Housing costs / Buying


Studio apartment

11M JPY 17M JPY 34M JPY
MINIMUM AVERAGE MAXIMUM
$75,000 $110,000 $220,000

1-bedroom apartment

14M JPY 23M JPY 86M JPY
MINIMUM AVERAGE MAXIMUM
$91,000 $150,000 $570,000

2-bedroom apartment

22M JPY 65M JPY 130M JPY
MINIMUM AVERAGE MAXIMUM
$140,000 $430,000 $870,000
Chart showing the prices and cost of furniture in Osaka

Furniture Costs


King Size Bed

58,000 JPY 73,000 JPY 97,000 JPY
MINIMUM AVERAGE MAXIMUM
$390 $490 $650

Double Bed

40,000 JPY 59,000 JPY 74,000 JPY
MINIMUM AVERAGE MAXIMUM
$260 $390 $490

Single Bed

36,000 JPY 46,000 JPY 60,000 JPY
MINIMUM AVERAGE MAXIMUM
$240 $310 $400

Living Room

68,000 JPY 88,000 JPY 310,000 JPY
MINIMUM AVERAGE MAXIMUM
$450 $580 $2,000

Dining Table

29,000 JPY 39,000 JPY 73,000 JPY
MINIMUM AVERAGE MAXIMUM
$190 $260 $490

Sofa or Couch

40,000 JPY 54,000 JPY 120,000 JPY
MINIMUM AVERAGE MAXIMUM
$260 $360 $790
Chart showing the prices and cost of electronic devices and appliances in Osaka

Electronics and House Appliance Costs


TV Set

40,000 JPY 60,000 JPY 120,000 JPY
MINIMUM AVERAGE MAXIMUM
$260 $400 $790

Fridge or Freezer

36,000 JPY 55,000 JPY 76,000 JPY
MINIMUM AVERAGE MAXIMUM
$240 $370 $500

Washing Machine

44,000 JPY 64,000 JPY 120,000 JPY
MINIMUM AVERAGE MAXIMUM
$290 $430 $770

Stove or Cooker

42,000 JPY 53,000 JPY 73,000 JPY
MINIMUM AVERAGE MAXIMUM
$280 $350 $490

Mobile Phone

50,000 JPY 60,000 JPY 85,000 JPY
MINIMUM AVERAGE MAXIMUM
$330 $400 $570

Laptop or Computer

55,000 JPY 67,000 JPY 120,000 JPY
MINIMUM AVERAGE MAXIMUM
$370 $450 $810
Percentage of people who manage to save money from their income every month in Osaka

How much money can you save in Osaka every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.


What percentage of people in Osaka manage to save money from their income every month?


Saving Money
72%
Not Saving
29%

Almost 72% of the surveyed people in Osaka said that they can save some money at the end of each month while 29% said that aren't saving anything.


Percentage of people saving money by population group in Osaka

GroupSaversNon Savers
Singles77%23%
Couples74%26%
Families66%34%

Savings-to-Income Ratio

The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.


Savings to income ratio in Osaka

Saving to Income Ratio

10% 19% of income 33%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

19,000 JPY
$130
190,000 JPY
$1,300
2.9M JPY
$19,000
MINIMUM AVERAGE MAXIMUM

For most people, 10% to 33% of their monthly income is what they can allocate to their savings, with 19% being the average. The amount of money that people can save is approximately 190,000 JPY on average with savings ranging from 19,000 JPY to 2.9M JPY.

77% of surveyed singles reported some of their income going to savings while 74% of couples said the same. 66% of families confirmed their ability to save money.


How much money do people actually save in Osaka?

The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.


Singles

Saving to Income Ratio

13% 24% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

19,000 JPY
$120
170,000 JPY
$1,100
1.9M JPY
$12,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%30%
10% - 20%23%
20% - 30%16%
30% - 40%15%
40% - 50%12%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 13% to 35% of their monthly income to savings, with 24% being the average for most singles. The average amount of money that singles are able to save is 170,000 JPY with 19,000 JPY and 1.9M JPY being the minimum and maximum respectively.


Couples

Saving to Income Ratio

11% 22% of income 34%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

38,000 JPY
$250
250,000 JPY
$1,700
2.3M JPY
$15,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%34%
10% - 20%25%
20% - 30%19%
30% - 40%10%
40% - 50%9%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 11% to 34% of their monthly income, with 22% being the average for most couples. The average amount of money that couples can save is 250,000 JPY with 38,000 JPY and 2.3M JPY being the minimum and maximum respectively.


Families

Saving to Income Ratio

9.8% 17% of income 30%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

58,000 JPY
$390
290,000 JPY
$1,900
2.9M JPY
$19,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%37%
10% - 20%28%
20% - 30%20%
30% - 40%7%
40% - 50%6%
> 50%2%

Interpretation and Analysis

Families in Osaka can save anywhere between 9.8% to 30% of their monthly income, with 17% being the average for most families. The average amount of money that families can put aside is 290,000 JPY with 58,000 JPY and 2.9M JPY being the minimum and maximum respectively.

Distribution of monthly cost of living expenses in Osaka

How do people spend their money in Osaka?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.

Housing Expenditure26%

26% of total expenses on average (15% to 34%)

LOW$93   14,000 JPY
AVERAGE$930   140,000 JPY
HIGH$14,000   2.1M JPY
Per Month

People living in Osaka typically spend from 15% to 34% of their total monthly expenditure on housing with 26% being the average. The average spend on housing is 140,000 JPY with expenditure ranging from 14,000 JPY to 2.1M JPY. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utilities, Electricity, Water, Internet, Mobile7%

7% of total expenses on average (4% to 11%)

LOW$14   2,100 JPY
AVERAGE$140   21,000 JPY
HIGH$2,100   320,000 JPY
Per Month

Utility expenditure like electricity, water, and gas in Osaka ranges from 4% to 11% of total expenses with 7% being the average. The average monthly cost of utilities is 21,000 JPY with 2,100 JPY and 320,000 JPY being the upper and lower limits.

Transport, Fuel, Commute8%

8% of total expenses on average (4% to 12%)

LOW$30   4,500 JPY
AVERAGE$300   45,000 JPY
HIGH$4,500   680,000 JPY
Per Month

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 4,500 JPY to 680,000 JPY on commuting with 45,000 JPY being the norm for most people in one month. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 4% or as high as 12%.

Food and Groceries Cost27%

27% of total expenses on average (19% to 33%)

LOW$74   11,000 JPY
AVERAGE$740   110,000 JPY
HIGH$11,000   1.7M JPY
Per Month

The average outlay on groceries in a month in Osaka is 110,000 JPY. The cost of groceries can range between 11,000 JPY to 1.7M JPY. People spend on average about 27% on food and groceries with upper and lower bounds of 19% and 33% respectively.

Healthcare and Medical Services9%

9% of total expenses on average (4% to 12%)

LOW$19   2,900 JPY
AVERAGE$190   29,000 JPY
HIGH$2,800   430,000 JPY
Per Month

People in Osaka allocate 4% to 12% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 9%. The range of medical expenses range from 2,900 JPY to 430,000 JPY with 29,000 JPY being the norm.

Leisure and Shopping5%

5% of total expenses on average (3% to 9%)

LOW$12   1,800 JPY
AVERAGE$120   18,000 JPY
HIGH$1,800   270,000 JPY
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 1,800 JPY to 270,000 JPY with 18,000 JPY being the average. Speaking of percentages, that equates to 3% to 9% of total expenses with an average of 5% for most residents.

Education and Schooling6%

6% of total expenses on average (4% to 12%)

LOW$18   2,700 JPY
AVERAGE$180   27,000 JPY
HIGH$2,700   400,000 JPY
Per Month

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 27,000 JPY per month with 2,700 JPY being the minimum spent amount and 400,000 JPY being the maximum.

Other Expenses12%

12% of total expenses on average (7% to 19%)

LOW$40   6,000 JPY
AVERAGE$400   60,000 JPY
HIGH$5,900   890,000 JPY
Per Month
Financial goals and targets of people living in Osaka

Financial goals of people in Osaka

In an attempt to understand the economic situation in Osaka, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund7%
Debt Reduction35%
Retirement Savings8%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle10%
Healthcare Expenses10%
Financial Independence7%

Around 7% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 35% said their number one priority is to pay off high-interest debt or loans and improve credit. 8% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 10% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 10% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Osaka

What does the retirement lifestyle look like in Osaka and how much retirement savings are required?

Retirement age

The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.


The typical saved amount of money you should have at every age as multiples of monthly salary:
AgeAmount
255x monthly salary at age 25
3010x monthly salary at age 30
3515x monthly salary at age 35
4025x monthly salary at age 40
4532x monthly salary at age 45
5048x monthly salary at age 50
5556x monthly salary at age 55
6064x monthly salary at age 60
6578x monthly salary at age 65

The typical average saved amount of money you should have at every age in Osaka:
AgeAmount
251.1M JPY
302.3M JPY
354.1M JPY
406M JPY
458.5M JPY
5012M JPY
5515M JPY
6019M JPY
6521M JPY

Retirement Income Distribution

We asked residents about their retirement income sources and below are the results.

Source% People
Pensions13%
Savings22%
Investments13%
Social Security8%
Annuities8%
Part-time Job11%
Real Estate17%
Dividends and Interest8%

Retirement Monthly Expenses in Osaka

34,000 JPY
$230
310,000 JPY
$2,000
3.4M JPY
$23,000
MINIMUM AVERAGE MAXIMUM
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Osaka

Housing costs, accommodation, and housing affordability in Osaka

Rental costs and house/apartment prices can vary drastically between different areas and locations.


Rent Cost in Osaka

Monthly Rent Prices

Studio apartment monthly rent cost

54,000 JPY 81,000 JPY 220,000 JPY
MINIMUM AVERAGE MAXIMUM
$360 $540 $1,400

1-bedroom apartment monthly rent cost

83,000 JPY 130,000 JPY 330,000 JPY
MINIMUM AVERAGE MAXIMUM
$550 $880 $2,200

2-bedroom apartment monthly rent cost

110,000 JPY 170,000 JPY 450,000 JPY
MINIMUM AVERAGE MAXIMUM
$750 $1,100 $3,000

3-bedroom apartment monthly rent cost

140,000 JPY 230,000 JPY 620,000 JPY
MINIMUM AVERAGE MAXIMUM
$910 $1,500 $4,100

Furnished apartment monthly rent cost

260,000 JPY 660,000 JPY 1.3M JPY
MINIMUM AVERAGE MAXIMUM
$1,800 $4,400 $8,800

Townhouse monthly rent cost

220,000 JPY 330,000 JPY 930,000 JPY
MINIMUM AVERAGE MAXIMUM
$1,400 $2,200 $6,200

House monthly rent cost

270,000 JPY 660,000 JPY 1.3M JPY
MINIMUM AVERAGE MAXIMUM
$1,800 $4,400 $8,800

Villa monthly rent cost

330,000 JPY 810,000 JPY 1.3M JPY
MINIMUM AVERAGE MAXIMUM
$2,200 $5,400 $8,700

The monthly rental cost of a studio apartment in Osaka ranges between 54,000 JPY and 220,000 JPY, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 83,000 JPY to 330,000 JPY. Two-bedroom rentals rate ranges between 110,000 JPY and 450,000 JPY per month. The monthly rental for a three-bedroom apartment ranges from 140,000 JPY to 620,000 JPY. The average rent of a townhouse in Osaka is around 330,000 JPY while house rental costs can be as high as 660,000 JPY per month. Finally, if you want to rent a villa, expect to pay anywhere from 330,000 JPY to 1.3M JPY per month.



Apartment and house prices in Osaka

Cost of buying a property

Studio apartment price

11M JPY 17M JPY 34M JPY
MINIMUM AVERAGE MAXIMUM
$75,000 $110,000 $220,000

1-bedroom apartment price

14M JPY 23M JPY 86M JPY
MINIMUM AVERAGE MAXIMUM
$91,000 $150,000 $570,000

2-bedroom apartment price

22M JPY 65M JPY 130M JPY
MINIMUM AVERAGE MAXIMUM
$140,000 $430,000 $870,000

3-bedroom apartment price

74M JPY 110M JPY 330M JPY
MINIMUM AVERAGE MAXIMUM
$490,000 $730,000 $2.2M

Townhouse price

96M JPY 220M JPY 840M JPY
MINIMUM AVERAGE MAXIMUM
$640,000 $1.5M $5.6M

House price

110M JPY 690M JPY 980M JPY
MINIMUM AVERAGE MAXIMUM
$760,000 $4.6M $6.5M

Villa price

140M JPY 760M JPY 1,100M JPY
MINIMUM AVERAGE MAXIMUM
$910,000 $5.1M $7.6M

The average price of a studio apartment in Osaka can range from 11M JPY to 34M JPY depending on location. One bedroom cost can be anywhere from 14M JPY to 86M JPY. A villa can cost you 760M JPY on average with prices ranging from 140M JPY to 1,100M JPY.


If you're leasing or purchasing, housing costs in Osaka will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.

House / apartment prices to income ratio


Property price to income ratio

( average property price / average monthly income ) x 100


48 x143 monthly income 260
MINIMUM AVERAGE MAXIMUM

Property prices in Osaka can be x143 to x260 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x143 multiples of the average monthly salary in Osaka.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


24% 35% of income 47%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Osaka is around 35%. This means that people pay 35% of their income for rent. Those figures can range from 24% to 47% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
29%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
2.1%
AVERAGE
3.1%
TO
4.1%

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.


930 JPY 9,300 JPY 140,000 JPY
MINIMUM AVERAGE MAXIMUM

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Food Prices, Dining Expenses, and Grocery Costs in Osaka

Grocery / Food expenditure and prices can vary drastically between different areas and locations.


Prices and cost of goods and services in Osaka

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

590 JPY 1,200 JPY 2,000 JPY
MINIMUM AVERAGE MAXIMUM
$3.9 $7.8 $13

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Osaka is approximatly 1,200 JPY with meal cost ranging from 590 JPY to 2,000 JPY. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

2,000 JPY 3,000 JPY 6,100 JPY
MINIMUM AVERAGE MAXIMUM
$13 $20 $40

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 2,000 JPY and 6,100 JPY with 3,000 JPY being the average price of a plate for one person at a regular restaurant in Osaka.

Fine dining meal for one price

3,900 JPY 5,900 JPY 24,000 JPY
MINIMUM AVERAGE MAXIMUM
$26 $39 $160

The price range of a meal at fine-dining restaurant is 3,900 JPY to 24,000 JPY with the average cost being 5,900 JPY for one person. This is what you would expect to pay a top-tier diner in Osaka.

Beverage prices, cappuccino, latte etc..

500 JPY 800 JPY 1,200 JPY
MINIMUM AVERAGE MAXIMUM
$3.3 $5.3 $8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Osaka is around 800 JPY. Price ranges between 500 JPY and 1,200 JPY depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

400 JPY 480 JPY 610 JPY
MINIMUM AVERAGE MAXIMUM
$2.7 $3.2 $4

The average price of a large bottle of milk in Osaka is 480 JPY. The maximum what you would pay for milk is 610 JPY and the minimum being 400 JPY depending on the brand of milk and other properties.

12 eggs price

290 JPY 390 JPY 590 JPY
MINIMUM AVERAGE MAXIMUM
$1.9 $2.6 $3.9

A dozen eggs costs around 390 JPY on average with 290 JPY and 590 JPY being the lower and upper limits respectively.

Fresh whole chicken price

690 JPY 890 JPY 1,300 JPY
MINIMUM AVERAGE MAXIMUM
$4.6 $5.9 $8.4

The price range of a fresh whole chicken in Osaka is between 690 JPY and 1,300 JPY depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 890 JPY.

Pack of beef price

830 JPY 1,200 JPY 2,500 JPY
MINIMUM AVERAGE MAXIMUM
$5.5 $8.3 $17

The price of a regular pack of beef or meat is around 1,200 JPY. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

310 JPY 430 JPY 600 JPY
MINIMUM AVERAGE MAXIMUM
$2.1 $2.8 $4

A bag of rice in Osaka costs around 430 JPY on average with prices rangeing between 310 JPY and 600 JPY depending on the brand and quality.

Bag of tomatos price

120 JPY 160 JPY 290 JPY
MINIMUM AVERAGE MAXIMUM
$0.78 $1 $2

A bag of tomatoes costs anywhere from 120 JPY to 290 JPY. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

210 JPY 280 JPY 460 JPY
MINIMUM AVERAGE MAXIMUM
$1.4 $1.9 $3

A bag of apples costs 280 JPY on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


20% 29% of income 35%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Osaka is around 29%. This means that people spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 35% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 64,000 JPY per month on grocery and food with expenditure fluctuating between 9,100 JPY and 710,000 JPY depending on location and the type of person. The average cost of food and groceries for a couple is around 81,000 JPY per month. That number can be get as low as 12,000 JPY or a high as 740,000 JPY. Families' spending on grocery ranges from 24,000 JPY to 1.2M JPY with the location, income, and size of the family being the most determinite factors.

Monthly costs and expenses of energy and basic utilities in Osaka

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Osaka

Utility Bill Cost / Electricity + Water + Gas / Individual

3,300 JPY 23,000 JPY 260,000 JPY
MINIMUM AVERAGE MAXIMUM
$22 $150 $1,700

Utility Bill Cost / Electricity + Water + Gas / Couple

3,400 JPY 25,000 JPY 280,000 JPY
MINIMUM AVERAGE MAXIMUM
$23 $170 $1,900

Utility Bill Cost / Electricity + Water + Gas / Family

6,400 JPY 32,000 JPY 320,000 JPY
MINIMUM AVERAGE MAXIMUM
$43 $210 $2,100

Internet and cable cost

3,000 JPY 6,100 JPY 8,100 JPY
MINIMUM AVERAGE MAXIMUM
$20 $40 $54

Mobile phone bill and charges

2,100 JPY 3,500 JPY 11,000 JPY
MINIMUM AVERAGE MAXIMUM
$14 $23 $70

Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.


The average monthly expenditure for individuals on electricty, water, and gas in Osaka ranges between 3,300 JPY and 260,000 JPY with average being 23,000 JPY, meanwhile the expenditure of couples is slightly higher at 25,000 JPY with 3,400 JPY and 280,000 JPY being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 32,000 JPY. The cost of internet and WiFi is unchanged among the three groups and ranges from 3,000 JPY to 8,100 JPY with 6,100 JPY being the average internet bill. Finally, the average monthly mobile charges is around 3,500 JPY but can range between 2,100 JPY and 11,000 JPY depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


2.2% 5.6% of income 10%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Osaka is around 5.6%. This means that people pay 5.6% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.2% to 10% depending on salary and location.

Cost of living comparison by city

#1 Sendai

The average cost of living in Sendai is 260,000 JPY, which is 45% less than the country average. Sendai is ranked first in Japan in terms of expendenture and cost of living.


#2 Hiroshima

The average cost of living in Hiroshima is 280,000 JPY, which is 40% less than the country average. Hiroshima is ranked second in Japan in terms of expendenture and cost of living.


#3 Saitama

The average cost of living in Saitama is 300,000 JPY, which is 36% less than the country average. Saitama is ranked third in Japan in terms of expendenture and cost of living.


#4 Kawasaki

The average cost of living in Kawasaki is 320,000 JPY, which is 32% less than the country average. Kawasaki is ranked fourth in Japan in terms of expendenture and cost of living.


#5 Kyoto

The average cost of living in Kyoto is 340,000 JPY, which is 28% less than the country average. Kyoto is ranked fifth in Japan in terms of expendenture and cost of living.


#6 Kobe

The average cost of living in Kobe is 360,000 JPY, which is 23% less than the country average. Kobe is ranked sixth in Japan in terms of expendenture and cost of living.


#7 Fukuoka

The average cost of living in Fukuoka is 390,000 JPY, which is 17% less than the country average. Fukuoka is ranked seventh in Japan in terms of expendenture and cost of living.


#8 Sapporo

The average cost of living in Sapporo is 410,000 JPY, which is 13% less than the country average. Sapporo is ranked eighth in Japan in terms of expendenture and cost of living.


#9 Nagoya

The average cost of living in Nagoya is 440,000 JPY, which is 6.4% less than the country average. Nagoya is ranked ninth in Japan in terms of expendenture and cost of living.


#10 Osaka

The average cost of living in Osaka is 470,000 JPY, which is same as the country average. Osaka is ranked tenth in Japan in terms of expendenture and cost of living.


#11 Yokohama

The average cost of living in Yokohama is 490,000 JPY, which is 4.3% more than the country average. Yokohama is ranked eleventh in Japan in terms of expendenture and cost of living.


#12 Tokyo

The average cost of living in Tokyo is 520,000 JPY, which is 11% more than the country average. Tokyo is ranked twelfth in Japan in terms of expendenture and cost of living.


Published: April 8, 2024   Last Update: April 8, 2025



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