Skyline of Nagano
Cost of Living: 90 380,000

Nagano, Japan

Host of the 1998 Winter Olympics, surrounded by the Japanese Alps with world-class skiing, temples, and hot springs.

Updated August 11, 2026
Cost of Living 90

Below Average vs Japan Avg (100)

Housing Index 92

Affordable

Median Income ¥4,400,000

Household income

Unemployment 3.5%

Job market health

Nagano vs Japan Average

Cost of Living
Nagano: 90
Japan Avg: 100
Housing Index
Nagano: 92
Japan Avg: 100
State Income Tax
Nagano: 10%

Taxes

  • State Income Tax: 10.0%
  • Sales Tax: 10.0%

Economy & Jobs

  • Median Income: ¥4,400,000
  • Unemployment: 3.5%
  • Population: 380,000

Climate

  • Sunny Days: 195/year
  • Summer High: 85°F
  • Winter Low: 26°F
  • Farming Zone: USDA Zone 5b

Housing

  • Median Home: ¥21,000,000
  • 1BR Rent: ¥52000/mo

Cost of Living

Nagano's cost of living index is 90 (Japan average = 100).

CategoryNaganoNational AverageDifference
Overall90100-10.0%
Housing92100-8.0%

Data source: Statistics Bureau of Japan / Numbeo, 2026

Housing Market

MetricValue
Median Home Price¥21,000,000
Median Rent (1BR)¥52000/mo
Median Rent (2BR)¥65,000/mo
Price per Sq Ft¥14,000

Data source: Suumo / MLIT, 2026

True Cost of Home Ownership

True Cost of Home Ownership

See what you'll really pay over 30 years

¥
%
$90,000 down
%
%
¥

Utilities

Estimated monthly utility costs for a typical household in Nagano:

UtilityEstimated Monthly CostNotes
Electricity¥8000
Heating & Cooling¥8251Estimated based on local climate.
Cooling (AC)N/AEstimated based on local climate and electricity rates
Water¥3000Includes sewer
Internet (100+ Mbps)¥4500Broadband average
Garbage / TrashIncluded in taxesMunicipal service (covered by property taxes)
Total Utilities¥23751Monthly estimate (including heating & cooling)

Data sources: METI, Tokyo Electric Power, Osaka Gas 2025

Remote Work Score

Nagano scores —/100 for remote work readiness:

Cost of Living
90
Rent
¥52000
Sunny Days
195
Tax
10%
Unemployment
3.5%
Climate
85°F / 26°F
Safety
0.2 homicides/100k
Population
380,000
Internet Speed
250 Mbps

Climate

Nagano has a varied climate with distinct seasons.

MonthAvg HighAvg LowRainfall
January46°F26°F2.5"
April70°F41°F2.8"
July85°F60°F1.5"
October65°F44°F2.2"
USDA Zone 5b

Cool — many vegetables, some fruit trees

Natural Hazards

Nagano faces the following natural hazards:

Earthquake Extreme Risk

Located in a highly active seismic zone with frequent major earthquakes.

Tsunami Extreme Risk

Pacific coast frequently affected by tsunamis.

Typhoon Extreme Risk

Frequently affected by typhoons.

Volcano High Risk

Active volcanic region with frequent eruptions.

Flood High Risk

Typhoon-induced floods and storm surges.

Landslide High Risk

Mountainous terrain with heavy rain-induced landslides.

Avalanche High Risk

Hokkaido and Honshu mountains with heavy snow and avalanches.

Tornado Moderate Risk

Japan experiences occasional tornadoes.

Blizzard Moderate Risk

Northern Japan (Hokkaido) experiences heavy snow.

Based on historical records and geographic risk assessment.

Taxes

  • State Income Tax: 10%
  • Sales Tax: 10%
  • Property Tax: ~0.3% of assessed value

Economy & Jobs

Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 3.5%.

Crime & Safety

Crime rates in Nagano per 100,000 residents:

10.0
Violent Crime
200.0
Property Crime
0.2
Homicide

City-level crime data is not available for this location. The figure shown is the national average, which may differ significantly from actual conditions in this city.

Data source: UN Office on Drugs and Crime

Schools & Education

Total Schools

Academic Schedule

School Hours 8:30 AM – 3:30 PM
Academic Year April to March
Term System Trimester — 1st (Apr-Jul), 2nd (Sep-Dec), 3rd (Jan-Mar)
Summer Break Late July to August (6 weeks)
Winter Break Late December to early January (2 weeks)
Spring Break Late March to early April (2 weeks)

School year starts in April. Saturday classes have been phased out in most schools.

Universities & Higher Education

1
Universities
#1938
Top University Rank

Data source: Center for World University Rankings (CWUR) & World Universities Database

Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.

Frequently Asked Questions

What is the cost of living in Nagano, Japan?

The cost of living index in Nagano is 90, which is Lower the Japan national average of 100.

How much does it cost to buy a home in Nagano?

The median home price in Nagano is ¥21,000,000. The housing index is 92.

What is the average rent for a 1-bedroom apartment?

The average rent for a 1-bedroom apartment in Nagano is approximately ¥52000/mo.

Does Nagano, NGN have income tax?

Nagano is in NGN, which has an income tax rate of 10%.

What is the climate like in Nagano?

Nagano enjoys approximately 195 sunny days per year. Summer highs reach around 85°F, while winter lows can drop to around 26°F.

Data Sources

  • Cost of Living: Statistics Bureau of Japan / Numbeo, 2026
  • Housing Data: Suumo / MLIT, 2026
  • Income & Employment: Statistics Bureau of Japan Labour Force Survey, 2024
  • Utilities METI, Tokyo Electric Power, Osaka Gas 2025

Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.