Cost of Living in Tokyo for Expats in 2026: Real Numbers

How much do you need to live comfortably in Tokyo as a foreigner? The answer depends on your lifestyle, but the numbers below are real averages, not tourist estimates.

Quick answer: A foreigner lives comfortably in Tokyo on roughly 200,000 to 350,000 JPY per month depending on lifestyle. Rent is 40 to 50% of the budget: share house 50,000 to 90,000 JPY, central studio 80,000 to 130,000 JPY, 1LDK 130,000 to 200,000 JPY. Add food (~40,000 JPY), transport, health insurance and utilities. Rent is your main lever to save.

Housing: the dominant cost

Rent represents 40 to 50% of a Tokyo expat's total budget. It is also the main lever you can act on. For median rent by ward and layout, see our Tokyo Rent Index.

Share house: 50,000 to 90,000 JPY/month (utilities usually included)

1K apartment in a central area: 80,000 to 130,000 JPY/month before utilities

1LDK apartment: 130,000 to 200,000 JPY/month

2LDK apartment (couple or family): 180,000 to 300,000 JPY/month depending on the neighbourhood

Most affordable neighbourhoods within 20 minutes of the centre: Koenji, Asagaya, Nerima, Adachi, Katsushika. Most expensive: Minato-ku, Shibuya-ku, Shinjuku-ku.

Utilities (water, electricity, gas) add 10,000 to 20,000 JPY per month in summer and up to 25,000 JPY in winter.

Food: manageable and often surprising

Tokyo is one of the most affordable cities in the world for eating out, relative to the quality.

Restaurant meal: lunch at a neighbourhood restaurant costs 800 to 1,200 JPY. A decent dinner: 1,500 to 3,000 JPY.

Groceries: 30,000 to 50,000 JPY/month for one person cooking regularly.

Realistic monthly food budget:

• Mostly cooking at home: 30,000 to 40,000 JPY
• Mix of cooking and eating out: 50,000 to 70,000 JPY
• Eating out most days: 70,000 to 100,000 JPY

Convenience stores (Lawson, 7-Eleven, FamilyMart) offer fast and cheap meals at 400 to 700 JPY.

Transport: efficient and affordable

Tokyo has the densest public transport network in the world. A car is unnecessary in central areas.

Monthly train/metro pass: 10,000 to 20,000 JPY depending on distance. If your employer covers commuting costs (very common in Japan), this is zero for you.

Bicycle: a popular option for short distances. A second-hand bike costs 5,000 to 15,000 JPY.

Taxi: expensive compared to Europe. 700 JPY base fare, then approximately 80 JPY per 200 metres.

Healthcare: national health insurance

Every foreign resident in Japan must enrol in national health insurance (Kokumin Kenko Hoken) or be covered by their employer.

National health insurance: approximately 2,000 to 5,000 JPY/month for a single person with moderate income. Covers 70% of medical costs.

GP visit: 1,500 to 3,000 JPY with national insurance.

Pharmacy: most common medications are available over the counter at low prices.

Leisure and social life

Gym: 4,000 to 10,000 JPY/month. Municipal gyms cost 200 to 500 JPY per session.

Bars and dining: a beer at a bar: 500 to 800 JPY. A night out at an izakaya with food: 2,000 to 4,000 JPY.

Culture: museums (500 to 1,500 JPY), cinema (1,800 JPY).

Total monthly budget by profile

Budget profile (share house, cooking at home): 150,000 to 200,000 JPY/month

Comfort profile (1K apartment, mix cooking/dining): 220,000 to 300,000 JPY/month

Professional expat (1LDK central, active social life): 350,000 to 500,000 JPY/month

Family (2LDK, international school): 600,000 JPY/month and up

What this means for your housing search

Rent is the only major expense you can reduce significantly and immediately. Saving 20,000 JPY/month on housing equals 240,000 JPY per year, enough for a return flight to Europe and several regional trips.

Finding the right property at the right price in the right neighbourhood is where a local property hunter adds the most value: access to off-market options and honest advice on where to compromise and where not to.

For activities and sightseeing in Tokyo, GetYourGuide offers experiences bookable online at all budgets. For health coverage, SafetyWing Nomad Insurance offers monthly insurance with no commitment. (affiliate links)

Preparing your move to Tokyo? Book a free consultation to map out a realistic budget and see what is available in your range.