Expat Guide: Living in Japan 2026

Japan offers a unique expat experience: ultra-safe, technologically advanced, culturally rich and with excellent public services. Tokyo, Osaka, Kyoto and Fukuoka attract expats with high quality of life, world-class healthcare and efficient public transport. Japan introduced a digital nomad visa in 2024.

Last updated: March 2026 — Editorial Team, eVisa-Card.com

Japan at a Glance

Capital
Tokyo
Currency
Japanese Yen (JPY)
Language
Japanese
Cost of Living
Medium–High

Visa & Residency Options

Options: Highly Skilled Professional (HSP) Visa — fast-track permanent residency in 1-3 years; Specified Skilled Worker (SSW) Visa; Digital Nomad Visa (6 months, income $68k+/year, introduced 2024); Business Manager Visa; Spouse of Japanese National Visa. Teaching English (JET Programme) is popular entry route.

→ Full Japan Visa Requirements Guide

Step-by-Step: How to Move to Japan

1

Apply for Certificate of Eligibility (CoE)

Your Japanese sponsor (employer/school/family) applies at the Immigration Services Agency. Processing: 1-3 months. Required for most long-stay visas.

2

Apply for your visa at Japanese embassy

Present CoE + passport + visa application form + photos. Processing: 5-7 business days after CoE.

3

Register at your ward/city office (My Number)

Within 14 days of arrival, register at your local ward office. You receive My Number (national ID) and national health insurance card.

4

Open a Japanese bank account

Open with Japan Post Bank (easiest for new residents), Shinsei Bank, or SMBC. Required: passport, residence card, My Number.

5

Get National Health Insurance (Kokumin Kenko Hoken)

Register at ward office. Premiums based on income. Covers 70% of medical costs. Top-up private insurance available.

6

Get your Residence Card (Zairyu Card)

Issued at the airport upon arrival with your visa. Carry at all times — required by law.

7

Register your address (Juusho Touroku)

Register your exact address at the ward office within 14 days. Required to receive your My Number and access services.

🏠 Housing

Tokyo 1K (studio): ¥60,000-¥120,000/month ($400-$800). Osaka: ¥45,000-¥90,000/month. Fukuoka: ¥40,000-¥80,000/month. Gaijin Houses (shared) from ¥30,000/month. Guarantor (hoshounin) or guarantor agency required for renting.

🏦 Banking

Japan Post Bank (easiest to open), Shinsei Bank (English support), SMBC. Open with residence card + My Number. 7-Eleven ATMs accept international cards 24/7. Wise essential for international transfers.

🏥 Healthcare

National Health Insurance covers 70% of medical costs. Excellent private hospitals. Average GP visit: ¥2,000-¥5,000. Dental: ¥2,000-¥8,000. One of world's best healthcare systems.

💰 Cost of Living

Tokyo (comfortable): ¥250,000-¥400,000/month ($1,700-$2,700). Osaka: ¥200,000-¥320,000/month. Fukuoka: ¥170,000-¥280,000/month. Food and transport are reasonable; housing is the main cost.

Frequently Asked Questions

❓ Is there a digital nomad visa for Japan?

Yes — Japan launched a Digital Nomad Visa in March 2024. Requirements: income ≥ JPY 10,000,000/year (~$68k), valid health insurance, from one of 50+ eligible countries. Valid 6 months, non-renewable.

❓ How do I get permanent residency in Japan?

Standard path: 10 years of continuous legal residency. Fast track: HSP (Highly Skilled Professional) Visa holders can qualify in 1-3 years with high points.

❓ Can foreigners buy property in Japan?

Yes, with no restrictions. Foreigners can freely buy real estate. Rural areas have very affordable properties. Tokyo condos: ¥30-80M.

❓ Do I need to speak Japanese?

Highly recommended. Japan has limited English infrastructure outside tourist areas. Japanese language skills significantly expand job and social opportunities.

❓ Is Japan safe?

Exceptionally safe. Japan consistently ranks #1-3 globally for safety. Extremely low violent crime and theft.