The Best Place To Retire In Japan For Foreigners in 2025

Thinking of retiring in Japan?

While Japan is not yet a mainstream retirement destination, its worldwide popularity, rich cultural heritage, and high-quality medical services are increasingly attracting the interest of people who are at or near retirement and looking to retire abroad.

In today's article, we look at Japan from a geographical point of view and rate their livability on the best place to retire in Japan.

Basic retirement information in Japan

Essential basic information if you are interested in retiring in Japan.

• The Natixis Global Retirement Index ranks Japan as the 22nd best country for retirement security.

• The legal age requirement is 65, but you can retire at 60 with a lower pension rate.

• There is no retirement visa, so you will need permanent residency, a spousal visa, or Japanese citizenship to live in Japan for the long term.

• Contribute to the basic pension for 40 years to obtain the full pension amount.

• The full amount of the basic old-age pension is 816,000 yen (2024 fiscal year).

Retiring in Japan is a common choice for many Japanese people, but for foreigners, the experience can be quite different, especially if you do not have long-term residency.

Factors to consider when retiring in Japan

The following are some key factors to look at when deciding where to spend your golden years:

• Climate considerations

• Healthcare access

• Community and social life

• Transportation and mobility

• Daily expenses

All these will vary depending on your lifestyle and what type of retirement you are looking for.

Many cities offer the ease of retirement with abundant activities, the convenience of public transportation, and adequate medical and welfare facilities.

However, the cost of living is a factor to consider. The Japanese government has encouraged its citizens to put aside 20 million yen (equivalent to 138,743 USD) by the time they reach retirement age to supplement Japan's national pension program. This number will likely be insufficient for foreigners, as services provided in English are often more expensive than those provided only in Japanese.

Additionally, if you are used to a certain standard of urban living (e.g., a house of a certain size with multiple bathrooms, etc.), then you will need to put aside significantly more than 20 million yen.

In comparison, living in rural Japan can be done at relatively low cost and contribute to a fulfilling retirement if you enjoy plenty of green spaces, scenic beauty, and a strong sense of cultural richness.

Here are some elements to consider when doing research on a potential retirement destination:

1. Climate considerations

Japan's climate varies dramatically from subtropical Okinawa to subarctic Hokkaido. Consider:

• Temperature extremes: Summer heat/humidity vs. winter cold

• Natural disasters: Earthquake zones, typhoon frequency

• Seasonal allergies: Cherry blossom and cedar pollen seasons

2. Healthcare access

On the whole, Japan has excellent healthcare facilities, no matter which prefecture you move to. But factors to consider include the following:

• Distance to major hospitals: Rural areas may have limited specialist access

• English-speaking medical staff: More common in urban areas

• Emergency services: Response times vary by location

3. Community and social life

• Expat communities: Size and activity level

• Local acceptance: Rural vs. urban attitudes toward foreigners

• Cultural activities: Traditional festivals, classes, volunteer opportunities

4. Transportation and mobility

• Public transport quality: Frequency, accessibility, coverage

• Walkability: Important as driving may become difficult with age

• Airport access: For international travel and family visits

5. Daily expenses

While Japan is generally more affordable than many Western countries, daily costs can vary significantly depending on location and lifestyle. Consider:

• Cost of living by region: Urban centers like Tokyo and Yokohama tend to be more expensive than rural areas or smaller cities like Kagoshima or Matsumoto

• Housing costs: Rent and utilities are often your biggest expense; rural areas offer more space for less money

• Groceries and dining: Local food is affordable, especially if you shop at regional markets; imported goods and eating out in touristy areas can add up

• Healthcare premiums: Even with national insurance, monthly premiums and out-of-pocket costs vary by age and income

• Transportation costs: Owning a car may be necessary in the countryside, while city dwellers can rely on affordable public transport

Where is the best place to retire in Japan as a foreigner?

The following is a brief exploration of different locations throughout Japan that are appealing destinations by Japanese citizens based on measurements such as affordable living costs, mild climate, fresh produce, and more.

1. Okinawa

"The Hawaii of Japan"

Okinawa is a tropical destination and one of the best places to retire in Japan as a foreigner. Known for its warm climate, beautiful beaches, and slower pace of life, it is a popular choice among many retirees in Japan as well.

Around the area, there are many outdoor activities, such as snorkeling and hiking, to golfing, with plentiful cultural attractions and festivals to explore.

Specific Areas:

• Naha: Urban conveniences with international airport access

• Chatan: Large American expat community, English-friendly services

• Ishigaki: Quieter island life with stunning natural beauty

Climate:

• Average temperature: 23°C (73°F)

• Winter lows: 15°C (59°F)

• Summer highs: 32°C (90°F)

• Rainy season: May-June

Monthly Cost Estimate:

• Housing: ¥60,000-120,000

• Food: ¥40,000-60,000

• Utilities: ¥15,000-25,000

• Transportation: ¥10,000-20,000

• Total: ¥125,000-225,000

Healthcare: Excellent facilities including University of the Ryukyus Hospital with international patient services.

Expat Community: Large, established community with regular social events and support networks.

2. Nagano

"The Japanese Alps"

Nagano is known for its stunning natural beauty—and is often referred to as "the Japanese Alps." Nagano offers many outdoor activities, such as hiking and skiing, as well as plenty of hot springs to provide relaxation after a day out on the slopes.

If you ever want to go to Tokyo, it's about an hour and thirty-minute train ride by the Shinkansen.

Specific Areas:

• Karuizawa: Upscale resort town with international community

• Matsumoto: Cultural hub with excellent medical facilities

• Hakuba: Year-round resort activities, growing expat population

Climate:

• Four distinct seasons

• Winter: -5°C to 5°C with snow sports

• Summer: 15°C to 30°C, ideal for hiking

• Low humidity compared to other regions

Monthly Cost Estimate:

• Housing: ¥50,000-100,000

• Food: ¥35,000-50,000

• Utilities: ¥20,000-35,000 (higher heating costs)

• Transportation: ¥15,000-25,000

• Total: ¥120,000-210,000

Healthcare: Shinshu University Hospital offers comprehensive services with some English support.

Transportation: 90 minutes to Tokyo via Shinkansen, excellent local bus networks.

3. Hiroshima

"Where History Meets Nature"

Hiroshima combines urban amenities with easy access to mountains and sea. The city's compact size makes it walkable, while the efficient streetcar system provides excellent public transport.

Specific Areas:

• Hiroshima City: Urban conveniences, cultural attractions

• Onomichi: Scenic coastal town with artistic community

• Miyajima: Near the famous floating torii, peaceful island life

Climate:

• Mild winters: 2°C to 10°C

• Warm summers: 20°C to 32°C

• Moderate rainfall, beautiful autumn colors

Monthly Cost Estimate:

• Housing: ¥55,000-110,000

• Food: ¥40,000-55,000

• Utilities: ¥18,000-28,000

• Transportation: ¥12,000-20,000

• Total: ¥125,000-213,000

Healthcare: Hiroshima University Hospital provides world-class medical care with international patient services.

Cultural Richness: UNESCO World Heritage sites, museums, traditional festivals year-round.

4. Shizuoka

"Views of MountFuji"

Shizuoka is known for its incredible views of Mount Fuji, tea production and diverse local specialties with eel, whitebait, and sakura shrimp.

As one of the best places to retire in Japan, there are plenty of leisurely activities thanks to the numerous sightseeing spots within this prefecture, such as the Kawazu cherry blossom festival, hot springs in Atami, Ito, and Shuzenji, a seacoast line, parks, and waterfalls.

Specific Areas:

• Atami: Hot spring resort town, 45 minutes from Tokyo

• Ito: Coastal onsen town with expat-friendly facilities

• Gotemba: Mountain town with Fuji views and outlet shopping

Climate:

• Mild year-round temperatures

• Winter: 5°C to 15°C

• Summer: 20°C to 30°C

• Protected from extreme weather by mountains

Monthly Cost Estimate:

• Housing: ¥65,000-125,000

• Food: ¥42,000-58,000

• Utilities: ¥16,000-26,000

• Transportation: ¥18,000-30,000

• Total: ¥141,000-239,000

Accessibility: 2.5 hours to Tokyo, excellent train connections throughout the region.

5. Hokkaido

"Japan's Northern Frontier"

Despite its cold winters, Hokkaido is a popular place to retire in Japan with plenty of activities year-round, from skiing and snowboarding in the winter to hiking and enjoying nature in the summer.

Sapporo, a major city in Hokkaido, combines big city vibes with the relaxing atmosphere of the surrounding mountainous areas. With plenty of fresh seafood and numerous medical facilities for good health care access, Hokkaido is a great place for a retired balanced lifestyle.

Specific Areas:

• Sapporo: Modern city with excellent healthcare and infrastructure

• Hakodate: Historic port city with morning markets

• Niseko: International ski resort with year-round activities

Climate:

• Cold winters: -10°C to 0°C with heavy snow

• Pleasant summers: 15°C to 25°C

• Low humidity, clear skies

Monthly Cost Estimate:

• Housing: ¥45,000-85,000

• Food: ¥38,000-52,000

• Utilities: ¥25,000-45,000 (high heating costs)

• Transportation: ¥12,000-22,000

• Total: ¥120,000-204,000

Special Services: Hokkaido offers meal delivery services and specialized care products for independent senior living.

6. Kagoshima 

"Land of Fire and Hot Springs"

Kagoshima, particularly Ichikikushikino City, offers excellent value for money with good transportation links, health promotion programs, and a supportive community atmosphere.

Climate:

• Subtropical climate

• Mild winters: 5°C to 15°C

• Hot, humid summers: 25°C to 33°C

Monthly Cost Estimate:

• Housing: ¥40,000-75,000

• Food: ¥35,000-48,000

• Utilities: ¥14,000-24,000

• Transportation: ¥10,000-18,000

• Total: ¥99,000-165,000

Special Programs: Local government health promotion initiatives specifically for retirees.

7. Hyogo

"The Garden Island"

At Awaji Island, Hyogo, the local government provides retirees with free access to a swimming pool and helps with transportation, contributing to the quality of life for those living there. Additionally, they provide support for those who need help going out to shop or organizing their homes.

Monthly Cost Estimate:

• Housing: ¥50,000-90,000

• Food: ¥38,000-52,000

• Utilities: ¥16,000-26,000

• Transportation: ¥15,000-25,000

• Total: ¥119,000-193,000

Unique Benefits: Free government services for retirees including home organization assistance and shopping support.

Cost of living breakdown by region

Monthly estimates for a single-person retirement. Japanese Yen (¥) and USD ($).

Region	Living Costs (¥)	Living Costs ($)	Key Features	Considerations
Okinawa	¥175K	$1,130	Warm climate, healthy lifestyle	Typhoons, limited medical specialists
Nagano	¥166K	$1,070	Fresh air, outdoor activities	Cold winters, high heating costs
Hiroshima	¥170K	$1,100	Balanced urban/nature mix	Summer humidity
Shizuoka	¥190K	$1,225	Tokyo access, mild climate	Higher transport costs
Hokkaido	¥162K	$1,045	Low cost, natural beauty	Harsh winters, high heating bills
Kagoshima	¥133K	$860	Very affordable, warm climate	Limited international access
Awaji Island	¥156K	$1,005	Gov. incentives, peaceful rural life	Limited dining, entertainment

While many Japanese cities, such as Tokyo and Kyoto, are on many people’s budget lists for places to visit, these places might not be the best place for retirement. 

If possible, try to visit these or other places you are interested in retiring in for about a month and experience what they have to offer in the summer and winter so you can get both experiences of what it’s like to live there year-round. 

Frequently asked questions

Can American citizens retire in Japan?

Yes, American citizens can retire in Japan. While a Japanese retirement visa does not exist, long-term visas help any expat retirees to stay in Japan longer than 90 days. You will need to apply for a visa under the “Long Stay for sightseeing and recreation ” for Japan.

What is the best city in Japan for retirees?

The best city to retire in Japan depends on your lifestyle preferences and financial situation. Okinawa is popular for its warm climate, affordable living, and relaxed pace. Kyoto appeals to retirees interested in culture and tradition, while offering a slower pace than Tokyo. Fukuoka provides a balance of modern amenities and lower costs, and Kagoshima is favored for its scenic views, warm weather, and budget-friendly daily expenses. Each location offers a different mix of healthcare access, climate, and cost of living, so it’s important to prioritize what matters most to you.

Is Japan a good country to retire in?

Japan is considered a good option for retirement by many due to its safety, high-quality healthcare, cleanliness, and efficient public transportation. However, it also presents challenges such as a limited range of visa options for retirees and a language barrier in daily life. Those who are open to cultural differences and willing to adapt often find Japan to be a peaceful and rewarding place to spend their retirement years.

What are the most affordable places to retire in Japan?

The most affordable areas to retire in Japan are typically outside major metropolitan centers. Cities like Kagoshima and rural parts of Hokkaido offer lower housing and food costs compared to places like Tokyo or Osaka. While these areas may have fewer international services or specialists, they provide retirees with a high quality of life at a lower cost, especially for those on a fixed income.

Is it easy for foreigners to retire in Japan?

Retiring in Japan as a foreigner is possible, but it’s not necessarily easy. Japan does not have a dedicated “retirement visa,” which means most retirees must qualify under other visa types, such as a long-term resident visa, spouse visa, or investor visa. Daily life can also pose challenges, especially in rural areas where English is not widely spoken. However, many retirees find the country's safety, healthcare, and infrastructure worth the adjustment. Those who prepare in advance—learning some Japanese and understanding the visa process—tend to have a smoother transition.

What is the cost of living for retirees in Japan?

The cost of living for retirees in Japan varies by location and lifestyle. On average, a single retiree can live comfortably on ¥150,000 to ¥200,000 per month (roughly $1,000 to $1,300 USD), including rent, food, utilities, and transportation. Urban centers like Tokyo or Yokohama tend to be more expensive, while smaller cities and rural areas offer significantly lower living costs. Healthcare is relatively affordable due to Japan’s national health insurance system, though out-of-pocket costs still apply.

Are there retirement communities in Japan?

Japan does not have retirement communities in the Western sense, especially not for foreigners. Most elderly care facilities in Japan are geared toward local residents and operate entirely in Japanese. However, some cities with larger international populations—like Tokyo, Kyoto, and Fukuoka—have expat groups and foreigner-friendly neighborhoods where retirees can build a social network. There are also a few senior housing projects and international living arrangements emerging in areas that are actively trying to attract foreign residents, but these are still limited.

Can I get a retirement visa for Japan?

Japan does not currently offer a retirement visa. Foreigners looking to stay long-term must qualify through other visa categories, such as the long-term resident visa (available in specific cases like descendants of Japanese nationals), a spouse visa if married to a Japanese citizen, or through investment or business. Some retirees use renewable long-stay tourist visas (like 90-day stays from certain countries), but this is not a stable long-term solution. Immigration laws can be complex, so it’s important to consult a legal professional or immigration specialist when planning a move.

How MailMate can help you when you are retired in Japan

Retiring in Japan can be a complex process, but with MailMate, you can navigate it with ease.

MailMate offers a range of features designed to ease the transition and improve your quality of life during retirement in Japan.

1. Online mail management

If you plan to live in Japan, let MailMate handle all your Japanese mail, bills, and notices.

Forward mail to MailMate's HQ, and use MailMate's intuitive dashboard to open, request translations, forward, or shred these items.

This feature is perfect for anyone who wants to understand all their incoming Japanese mail.

2. Bilingual support

With our bilingual staff, MailMate can translate and be the communication bridge between you and your Japanese service provider.

3. Utility liaison

If you just bought a property and are unsure how to start your utilities, MailMate can help.

Let MailMate know where your property is so they can contact the correct service provider to provide your property with electricity, water, and even internet. So when you arrive in Japan, you'll have a functioning property to stay in.

4. Tax representative

From property tax to real estate acquisition tax, MailMate can help prepare and submit documents accurately to ensure compliance with all tax requirements in Japan.