Expat Guide: Living in Japan 2026

Japan combines extraordinary safety, efficient infrastructure, unique culture and excellent healthcare. The 2024 Digital Nomad Visa and the Highly Skilled Professional (HSP) point system have made Japan more accessible than ever for skilled foreign workers.

Última atualização : March 2026 — Equipe editorial, eVisa-Card.com

Japan at a Glance

CapitalTokyo
CurrencyJapanese Yen (JPY)
LanguageJapanese
Monthly cost~$1,500–3,000/month

🛂 Visa & Residency Options

Available Visa Types

Visa Type Details
Digital Nomad Visa (2024)New 6-month visa for remote workers earning ¥10,000,000/year (~$65,000+). Single-entry, extendable for 6 months. Must have health insurance. Cannot work for Japanese companies.
Highly Skilled Professional (HSP)Points-based system (70+ points). Points for education, income, age, Japanese ability. Allows fast-track to permanent residence (1–3 years vs standard 10).
Engineer/Specialist VisaFor IT, engineering and scientific professionals. Requires job offer from Japanese employer. 1–5 year renewable permit.
Specified Skilled Worker (SSW)For specified industries (hospitality, food service, care, construction). No degree required. Up to 5 years.
Spouse/Dependent VisaFor spouses and dependent children of work visa holders or permanent residents. Allows certain types of employment.
Permanent Resident (PR)After 10 years continuous residence (or 1–3 years on HSP visa). No work restrictions. Highly desirable.

Step-by-Step Residency Process

  1. Secure a job offer from a Japanese employer OR qualify for the Digital Nomad Visa
  2. Employer applies for Certificate of Eligibility (CoE) from the Japan Immigration Services Agency
  3. Apply for the visa at the Japanese embassy in your country using the CoE
  4. Arrive in Japan and register at your ward/municipal office within 14 days
  5. Obtain your Residence Card (在留カード) at the airport or municipal office
  6. Enrol in National Health Insurance (国民健康保険) at the municipal office
  7. Obtain a My Number Card (マイナンバーカード) — Japan's national ID
  8. Open a bank account (requires Residence Card)
💡 Pro Tip: The My Number Card has become increasingly important in Japan — it's needed for taxes, bank accounts, health insurance and government services. Apply for it at your local ward office as soon as possible.

🏥 Healthcare in Japan

Public Healthcare

Japan has a universal health insurance system. All residents (including foreigners with a Residence Card) must enrol in either National Health Insurance (国民健康保険, Kokumin Kenkou Hoken) for self-employed/unemployed, or company health insurance (社会保険) for employees. Patients pay 30% of medical costs; the insurance covers 70%.

Private Healthcare

Japan's public hospitals are excellent — among the best in the world. Private clinics are common for routine care. International clinics in Tokyo (JICA, St. Luke's International, Tokyo Midtown Medical Center) offer English-language services.

Typical Healthcare Costs

Service Estimated Cost
NHI monthly premium (employee, 30%)~¥15,000–35,000/month depending on income
GP consultation (30% co-pay)¥1,000–3,000 (~$7–20)
Specialist consultation (30% co-pay)¥2,000–6,000 (~$13–40)
Hospitalisation (30% co-pay, per day)¥5,000–20,000 (~$33–133)
Dental (partial coverage)¥2,000–5,000 per visit
Prescription medicines (30% co-pay)¥200–2,000
ℹ️ Recommended: Enrol in the public health insurance system immediately upon registering your residence — it is mandatory and provides excellent value. You will also need a high-limit cost cap — Japan's system caps out-of-pocket costs at ¥80,100/month for average earners.

🛡️ Supplementary Health Insurance

Because Japan's National Health Insurance already covers 70% of medical costs, supplementary insurance is less critical than in other countries. However, international health insurance is useful for the period before NHI enrolment, for English-language hospitals, and for coverage during international travel.

Top Providers for Expats

Tokio Marine Nichido
Japan's largest private insurer. Cancer and hospitalisation riders. For Japanese-speakers primarily.
Aflac Japan
Popular cancer and medical indemnity plans. Useful as a supplement to NHI. English support available.
AIG Japan / Fuji Life
International plans for expats. Good English support. From ~¥15,000/month.
Cigna Global
International plan for pre-arrival period and for coverage outside Japan. From ~$100/month.
AXA Global Healthcare
Good for expats who travel frequently. Worldwide coverage including Japan. From ~$120/month.
💡 Pro Tip: For most working expats in Japan, the mandatory NHI or company health insurance + a supplementary cancer/hospitalisation plan from a local insurer like Aflac is the most cost-effective setup.

🏦 Opening a Bank Account in Japan

A Japanese bank account is essential for receiving salary, paying rent, utilities and taxes. It has historically been difficult for new arrivals, but the process has improved significantly.

Recommended Banks

Japan Post Bank (ゆうちょ銀行)Easiest bank to open for foreigners. Accepts residence cards from 6 months after arrival. No minimum balance. Largest ATM network in Japan.
MUFG (Mitsubishi UFJ)Largest megabank. Good international wire capabilities. English online banking available.
Sony BankOnline bank with the best FX rates in Japan. Excellent English interface. Requires Residence Card. Popular with expats.
Shinsei Bank (SBI Shinsei)English-language internet banking. No ATM fees at 7-Eleven. Good for international transfers.
Wise (Multi-currency)Not a full bank but widely used by expats for international transfers and multi-currency transactions.

Required Documents

  • Residence Card (在留カード) — mandatory
  • My Number Card or My Number notification slip
  • Japanese phone number or smartphone
  • Proof of address (or residence card address is sufficient)
  • Some banks require 6 months of residence before opening

Step-by-Step Process

  1. Register your address at the ward office and obtain your Residence Card
  2. Obtain My Number Card (apply at ward office, takes ~1 month)
  3. Visit Japan Post Bank or apply online at Sony Bank / Shinsei
  4. Present Residence Card and My Number
  5. Receive bankbook and/or debit card within 1–2 weeks
💡 Pro Tip: Japan Post Bank is the easiest to open immediately. Sony Bank has the best FX rates and English interface — open it once you've been resident for a few months.

🏠 Buying Property in Japan

Japan has no restrictions on foreigners buying property — freehold ownership is fully permitted. Japan is unique in that properties (especially houses) can depreciate significantly over time, while land values are more stable. Prices outside Tokyo and major cities are remarkably low.

Ownership Options for Foreigners

Condominium (Mansion)
Full freehold ownership. Most expats buy condos in Tokyo, Osaka or Kyoto. Popular in international communities.
Single-family house (Kodate)
Full ownership of land and structure. Houses depreciate to near-zero after 20–30 years in Japan — land is the main value.
Akiya (Abandoned house)
Vacant properties in rural areas, sometimes available for ¥1 (~$0.01) or very low prices. Renovation costs can be high.

Purchase Process

  1. Obtain a long-term residence visa (tourist visa insufficient for mortgage)
  2. Hire a licensed real estate agent (宅地建物取引業者) — usually no buyer fee
  3. Identify properties via SUUMO, AtHome or an expat-specialist agency
  4. Make an offer and receive the Property Information Document (重要事項説明書)
  5. Sign the Purchase Agreement (売買契約書) — pay 10% deposit
  6. Arrange mortgage (if applicable) or wire full payment
  7. Transfer at the notary / legal scrivener (司法書士) — title registered in land registry

Typical Purchase Costs

Item Cost
Real estate agent fee3% + ¥60,000 + tax (paid by buyer and seller)
Registration and license tax0.1–2% of assessed value
Property acquisition tax3–4% of assessed value (one-time, 3–6 months after purchase)
Judicial scrivener (registration)¥100,000–300,000
Annual fixed asset tax1.4% of assessed value (about 70% of market value)
Building inspection¥50,000–100,000 recommended
💡 Pro Tip: In rural Japan, you can buy a fully habitable house for ¥2,000,000–5,000,000 (~$13,000–33,000). The Akiya Banks (空き家バンク) run by municipalities list vacant properties. The main cost is renovation, not purchase.

About This Guide

This guide is researched and maintained by the editorial team at eVisa-Card.com. Última atualização : March 2026. We strive to keep all information current but visa rules, healthcare costs and property regulations change frequently. Always verify current requirements with official government sources and consult a licensed professional before making major decisions.


📚 Official Sources & References

Editorial Team — eVisa-Card.com

Expat guides written by travel experts, immigration specialists and expats with first-hand experience in Japan.

✔ Verified information ✔ Updated March 2026 ✔ Official sources cited