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Cracking the Code: 5 Surprising Truths About Opening a Bank Account in Japan

The Newcomer’s Financial Hurdle

Moving to Japan often feels like being trapped in a “residency catch-22.” To secure an apartment or a mobile phone plan, you frequently need a local bank account—but to open that account, most traditional institutions require a stable address and a local phone number. For many, onboarding into the Japanese financial ecosystem becomes a source of immense frustration rather than a simple administrative task.

While the system is defined by a certain compliance-driven rigidity, the landscape is shifting. Beneath the surface of traditional bureaucracy, there are modern shortcuts and counter-intuitive rules that can save a newcomer weeks of stress. As a strategist helping expats navigate these waters, I’ve seen that understanding these specific nuances is the key to bypassing the gatekeepers and securing your financial footing on day one.

BankMin. Residency RequirementEnglish SupportKey DocumentsNotes (Foreigner Friendliness)
Megabanks (MUFG, SMBC, Mizuho, etc)Usually 6 months+ OR proof of employmentLimitedResidence Card, Address, Employment proof, Phone numberGenerally strict screening. Not ideal for newcomers
SMBC Trust Bank (Prestia)Flexible (often OK if employed)StrongResidence Card, Address, Employment/visa details⭐ Very foreigner-friendly, premium service
Post Bank (Yucho)Less than 6 months possibleLimitedResidence Card, Address⭐ Common choice for students/new arrivals
Shinsei Bank (SBI Shinsei Bank)Flexible (case-by-case)⭐StrongResidence Card, Address, Phone number⭐ One of the easiest for foreigners
Sony BankTypically 6 months+ residency
⭐Strong
Residence Card, Address, Phone number💡 Good for expats comfortable with online banking
Rakuten BankTypically 6 months+ residencyLimitedResidence Card, Address, Phone number💡 Requires Japanese ability in many cases
Seven BankFlexible (even <6 months possible)⭐ Strong (multilingual app)Residence Card, Address⭐ Very easy, beginner-friendly

How to choose the Right Bank in Japan as a Foreigner

Today, many banks in Japan allow you to apply for an account online, making the initial process much more convenient than before. However, in some cases, your employer or school may designate a specific bank for salary payments or administrative purposes.

If no specific bank is required, the key consideration becomes which bank will be the easiest to use after opening your account.

Megabanks: Reliability and Accessibility

Among Japan’s major banks (megabanks), Sumitomo Mitsui Banking Corporation (SMBC) stands out as a particularly strong option.

One of the main advantages of megabanks is their extensive branch network. If any issues arise, you can visit a branch and receive in-person assistance. While English support may not always be available, the level of service is generally attentive and thorough.

Another benefit is the wide availability of ATMs. If you hold an account with the bank, you can often withdraw cash without fees at their ATMs, which are located throughout the city.

That said, megabanks can sometimes be less flexible, and fees may be higher compared to online-focused banks. Another drawback is that individual inquiries cannot always be handled over the phone, and in many cases, issues can only be resolved by visiting a branch in person.

Even so, SMBC offers a well-balanced service, including:

  • A user-friendly online banking system
  • Several free domestic transfers per month (depending on conditions)
  • A relatively smooth overall user experience

Banks with Strong English Support

If English-language support is important, the following banks are highly recommended:

  • SMBC Trust Bank (Prestia)
  • SBI Shinsei Bank
  • Sony Bank

These banks offer English customer support, which can be extremely helpful when navigating Japan’s banking system. English support is also available by phone.

They are also well-suited for:

  • International transfers
  • Foreign currency transactions

However, a common drawback is that they have fewer physical branches, which may make in-person assistance or immediate cash access slightly less convenient.

That said, many of these banks offer:

  • Free withdrawals from partner ATMs a few times per month
  • Flexible international banking features

Online & Ecosystem-Based Banks

There are also many banks operated by major corporate groups, such as:

  • Rakuten Bank
  • Seven Bank
  • PayPay Bank
  • au Jibun Bank

These can be convenient if you already use services within their ecosystem (e.g., Rakuten, Seven & i, SoftBank, etc.).

However, there are a few practical considerations:

  • Depositing cash can sometimes be inconvenient unless your salary is directly paid into the account
  • ATM withdrawals may have limits or fees depending on usage
  • International transfer capabilities vary and should be checked in advance

The Digital vs. Traditional Divide (The Ticking Clock)

Choosing a bank in Japan requires balancing digital convenience, language support, and the “Hanko” (personal seal) requirement. Traditionally, the digital-first banks allowed expats to bypass the need for a physical Hanko, which is still a mainstay at traditional major banks.

Sony Bank:

Sony Bank offers a dedicated mobile app that allows foreign residents to open an account in English. Customer support is also available in English, and you can speak directly with a representative, which makes it very convenient. In addition, my impression is their foreign exchange rates are generally more competitive compared to many other banks, making Sony Bank a strong option for those who frequently make international transfers.

Rakuten Bank:

While Rakuten Bank allows you to apply for an account in English, customer support is generally available only in Japanese. As it is an online bank, the need for inquiries is relatively limited; however, if any issues arise after opening the account, communication may become somewhat challenging.

The “Six-Month Rule”

The most significant roadblock for new arrivals is the Foreign Exchange and Foreign Trade Act. Under these regulations, many major institutions require a foreign national to have resided in Japan for at least six months before they are legally considered a “resident” eligible for a standard account.

However, this rule is not the absolute wall it appears to be. There are two exceptions that every newcomer should know:

  • Japan Post Bank (Yucho): Often the first stop for expats because they accept applications from those in the country for less than half a year.
  • Seven Bank: Provides a much more accessible threshold, allowing applications for those who have been in the country for at least three months.

While Japan Post Bank is accessible, accounts opened before the six-month mark are often designated as “Non-resident Yen Deposit” accounts. These are “starter” accounts with restricted utility; you generally cannot perform international remittances or receive certain types of foreign transfers until you hit the six-month milestone. Japan Post Bank also offers a mobile app that allows you to open an account without visiting a branch.

The “Three-Month Buffer” Deadline

A counter-intuitive administrative hurdle is the expiration date on your Residence Card. Even if you have been in Japan for years, banks like Seven BankRakuten Bank, and SMBC Trust Bank Prestia will reject an application if your current visa expires in less than three months.

SMBC Trust Bank Prestia, in particular, lists “3 months or more” remaining on the visa as a hard requirement for all internet-based applications. The logic is simple: banks want to avoid the administrative burden of restricting an account or demanding updated documentation only weeks after the relationship begins.

Pro-Tip: If your visa is close to the 90-day mark, do not waste time applying. Renew your visa first. Once you have your new Residence Card in hand, you can apply without the risk of immediate “transaction restrictions” or a flat-out rejection.

Your Account is Not Permanent: The “Clean Break” Requirement

In Japan, a bank account is tied strictly to your residency status. If you leave the country permanently, you are legally required to close your accounts. Failure to do so isn’t just a clerical oversight; it carries criminal risks.

Abandoned accounts are frequently targeted by criminal syndicates for “account selling” (transferring your card/PIN to a third party). The Japanese authorities have a zero-tolerance policy here; being found involved in account selling—even inadvertently by leaving an account open—can lead to criminal charges, future entry bans, and being blacklisted from the Japanese financial system for life. As Rakuten Bank warns:

“There have been many instances where foreigners are often found selling their Personal Savings account before returning to their homeland. This is also considered as a crime so please be aware of your actions.”

Final Recommendation

  • If you have been in Japan for less than 6 months
    Japan Post Bank (Yucho) is often the most practical option
  • After 6 months of residency
    → Choose a bank based on your needs:
    • Daily convenience → SMBC or another megabank
    • English support → Prestia / Shinsei / Sony Bank
    • Digital convenience → Online banks (Rakuten, Seven, etc.)

Choosing the right bank is not just about opening an account—it’s about how smoothly you can manage your daily life and finances in Japan. Taking a moment to select the right option based on your lifestyle can make a significant difference.

Key Money in Japan: What Is Reikin and Can You Negotiate It?

Moving to Japan is exciting, but for many expats, the apartment-hunting process quickly turns into “sticker shock.” Unlike many Western countries where you simply pay a deposit and the first month’s rent, renting in Japan often requires upfront costs equal to four to six months of rent.

The two most confusing and misunderstood fees are Shikikin (security deposit) and Reikin (key money).

Understanding the technical, legal, and practical differences between them is essential — especially if you want to reduce your initial rental costs.

Before diving into reikin, it is also important to understand how security deposits are returned when moving out in Japan.
👉 【Moving Out in Japan: 5 Essential Rules to Protect Your Security Depositined


What Is Shikikin (Security Deposit)?

Shikikin (敷金) is a refundable security deposit paid to the landlord at the beginning of your lease. It is legally recognized under Japan’s Civil Code as a guarantee fund designed to protect the landlord.

Its primary purposes are:

  • Covering unpaid rent
  • Covering repair costs beyond normal wear and tear
  • Covering cleaning expenses at move-out

When you move out, restoration costs are deducted from the shikikin. Any remaining balance must be returned to you.

The standard amount is usually 1 to 2 months of rent, although high-end properties may require more.

Importantly, because shikikin has a clear legal basis, landlords must handle it according to law. It cannot simply be kept arbitrarily.

To better understand what counts as repair costs and what falls under normal wear, I will explain more detail in a separate article.


What Is Reikin (Key Money)?

Reikin (礼金), literally translated as “gratitude money,” is completely different.

It is a non-refundable payment made to the landlord when you sign the lease. Unlike shikikin, it is not a deposit and is never returned.

It is typically 0 to 2 months of rent, though in central Tokyo or new luxury buildings it may be higher.

Unlike shikikin, reikin:

  • Is not used for cleaning or repairs
  • Is not deducted at move-out
  • Is never refunded under any circumstances

For many foreigners, this feels like paying money “for nothing.” And legally speaking, that feeling is not entirely wrong.


Is Key Money Required by Law in Japan?

No. There is no Japanese law that requires tenants to pay key money.

Shikikin has a legal foundation under the Civil Code.
Reikin does not.

Reikin exists purely as a contractual condition based on custom.

Because Japan follows the principle of freedom of contract, landlords are free to set rental conditions. If the contract states that reikin is required and you agree to it, it becomes enforceable.

However, the absence of legal obligation is what makes negotiation possible.

Understanding this distinction is essential for anyone researching tenant rights in Japan.

For your reference, the Tokyo Metropolitan Government’s official housing FAQ, key money is described as a unique Japanese custom rather than a legal requirement.
(Source: Tokyo Metropolitan Government)


Why Does Key Money Still Exist?

To understand reikin, you must understand its historical roots.

After the 1923 Great Kanto Earthquake and again after World War II, housing in Japan was extremely scarce. Tenants competed fiercely for available units. Offering “gratitude money” to landlords became a way to secure a place.

In the 1960s and 1970s, when students moved from rural areas to major cities, parents would often give extra money to landlords as a way of asking them to “look after” their child.

Although housing shortages are no longer severe in most areas, the practice remains in high-demand neighborhoods such as central Tokyo. In premium buildings or newly constructed properties, landlords often maintain reikin as a standard condition simply because market demand allows them to.

If you are still deciding where to live, comparing the best areas in Tokyo for expats may help you understand where reikin is more common.
👉 【Best Areas to Live in Tokyo for Foreigners


Regional Differences in Japan

Japan is not uniform when it comes to rental customs.

In Tokyo and most of the Kanto region, the standard model includes shikikin and reikin.

In Kansai (Osaka, Kyoto) and parts of Kyushu, the “shikibiki” system is common. Under this system, a non-refundable portion of the deposit is automatically withheld when you move out.

Interestingly, Hokkaido largely avoided the reikin tradition.

Understanding regional variation can open opportunities to reduce costs.


Shikikin vs Reikin: The Real Difference

Although both payments are made upfront, they serve entirely different legal and financial purposes.

Shikikin is legally grounded collateral, refundable after deducting repair and cleaning costs.
Reikin is a non-refundable gratitude payment with no legal basis beyond contract.

Shikikin protects the landlord against risk.
Reikin rewards the landlord for granting access to the property.

Shikikin is reconciled at move-out.
Reikin disappears on day one.

This distinction is critical when calculating your true initial rental cost in Japan.

Summary Table for Renters

FeatureShikikin (Security Deposit)Reikin (Key Money)
Legal BasisYes (Civil Code)No (Custom only)
Refundable?Yes (minus cleaning/repairs)No
Main PurposeCollateral for damages/rent“Thank you” gift to landlord
Standard Amount1–2 months of rent0–2 months of rent

Can You Negotiate Reikin (Key Money)?

Yes — and this is where strategy matters.

Because reikin is not legally required, it is purely a contractual condition. That means it can be negotiated.

Landlords are more likely to reduce or waive reikin when:

  • The property has been vacant for some time
  • The move-in date is during the off-season (April to August)
  • The building is older
  • You show strong intent to sign immediately
  • The rental market in that area is competitive

In contrast, brand-new buildings, luxury apartments, and properties near major stations in central Tokyo are much less flexible.

Your real estate agent plays a critical role here.

If you want to better understand how the rental screening process works before negotiating, read this guide:
👉 【How to Rent An Apartment in Japan―A Step-by-Step Guide for Foreigners


What About “Zero-Zero” Properties?

Some apartments advertise “zero-zero” conditions, meaning zero deposit and zero key money. Landlords may have a specific reason for setting the key money to zero, and in some cases, they may be compensating for it in other ways.

For example, they sometimes come with:

  • Higher monthly rent
  • Short-term cancellation penalties
  • Strict renewal fees
  • Higher restoration charges

Zero reikin does not always mean cheaper in the long run.


How Much Does It Really Cost to Move In?

In central Tokyo, upfront costs may include:

  • First month’s rent
  • Shikikin (1–2 months)
  • Reikin (0–2 months)
  • Agency fee
  • Fire insurance
  • Lock exchange fee
  • Guarantor company fee

This is how total initial costs often reach four to six months of rent.


FAQ: Key Money and Rental Costs in Japan

Is key money mandatory in Japan?

No. There is no law requiring it. It is a contractual condition set by landlords.


Can foreigners avoid paying reikin?

Yes. By searching for “No Reikin” listings, negotiating, or targeting older buildings, many foreign tenants reduce or eliminate it.


Why is key money still common in Tokyo?

Because landlords in high-demand areas maintain leverage and can set stronger conditions.


Is shikikin refundable?

Yes. It must be returned minus legitimate repair and cleaning costs.


Can I dispute key money after signing?

No. Once agreed in a signed contract, it becomes enforceable.


Professional Insight from a Tokyo Real Estate Agent

As a licensed real estate agent based in Tokyo, I regularly see foreign tenants misunderstand Japan’s initial rental structure.

The biggest mistake? Assuming all upfront fees are legally required.

They are not.

Shikikin is legally grounded.
Reikin is contractual custom.

Negotiation is possible, but it largely depends on the property’s level of demand and overall market conditions. In many cases, you should be prepared for the possibility that the landlord may not respond positively to the request.

However, understanding how the system works is essential if you want to avoid paying unnecessary costs. Understanding the system is not just about culture — it is about leverage.

If you’re unsure whether certain fees are reasonable or negotiable, feel free to reach out before signing a lease. A quick consultation can help you make informed decisions and potentially save a significant amount on your upfront expenses.

Explanation of Important Matters (Jusetsu) in Japan: What Foreign Residents Must Understand Before Signing a Rental Contract

If you are relocating to Japan and planning to rent an apartment in Tokyo, one of the most important steps in the rental process is something called the “Explanation of Important Matters” (重要事項説明), known in Japanese as Jūyō Jikō Setsumei or simply Jusetsu.

For many foreigners moving to Japan, this step can feel confusing or overly formal. However, it is not just paperwork. It is a legally required procedure designed to protect tenants and prevent disputes. Understanding this process is essential for anyone renting property in Japan for the first time.

This article explains what Jusetsu is, why it matters, what you must check carefully, and how to avoid costly misunderstandings when signing a Japanese rental contract.


What Is the Explanation of Important Matters in Japan?

The Explanation of Important Matters is a mandatory pre-contract session required under Japan’s Building Lots and Buildings Transaction Business Act. Before you sign a rental agreement, a licensed real estate professional called a Takuchi Tatemono Torihikishi (宅地建物取引士) must explain the legal and contractual details of the property.

This explanation must include:

  • The legal status of the property
  • The contract terms and duration
  • Renewal conditions and fees
  • Repair responsibilities
  • Restrictions and usage rules
  • Financial obligations beyond rent

The person conducting the session must show their official license card. If they do not, it is a violation of Japanese law.

For foreign residents, this session is especially important because Japanese lease contracts often contain clauses that may not exist in other countries. The Jusetsu is your final opportunity to understand every obligation before you become legally bound.

Most importantly, you are not required to sign the lease after the Jusetsu. If something is unclear or unacceptable, you have the right to walk away.

Why Jusetsu Is Critical for Foreigners Moving to Japan

Many disputes between landlords and foreign tenants occur not because of bad intentions, but because of misunderstandings about responsibility.

In Japan:

  • Rental contracts are typically two years.
  • Upfront costs are high.
  • Renewal fees are common.
  • Move-out charges follow specific legal standards.
  • Guarantee companies often replace personal guarantors.

If you do not fully understand the terms during Jusetsu, problems may only appear later — when moving out or renewing.

Taking the Explanation of Important Matters seriously protects your finances and your peace of mind.


Lifelines: Gas, Utilities, and Internet Setup

Infrastructure details can significantly impact your monthly expenses and daily comfort.

One major distinction is City Gas vs. Propane (LP) Gas. In Tokyo, propane gas is generally 1.5 to 2 times more expensive than city gas. This difference can noticeably affect monthly utility costs, especially in winter.

You should also confirm whether utilities use individual meters or shared billing systems. In older buildings, water charges may be collected as a fixed monthly amount by the landlord rather than billed directly by the utility company.

Internet setup is another area where foreign residents often face unexpected delays. Confirm whether the building is:

  • “Internet complete” (connection ready for use)
  • “Internet compatible” (you must contract and install service yourself)

Some buildings restrict which providers you may use, and installation appointments can take weeks. If you work remotely, this detail is critical.


Fixtures vs. Leftover Items (Zanchibutsu)

One of the most common misunderstandings in Japanese rentals concerns equipment classification.

During Jusetsu, confirm whether items such as air conditioners, lighting, or stoves are:

  • Fixtures (設備 / setsubi) – The landlord must repair or replace them if they fail under normal use.
  • Leftover items (残置物 / zanchibutsu) – The landlord has no repair obligation. If they break, you may bear the cost.

Many foreigners assume that anything inside the apartment is covered by the landlord. This is not always the case in Japan.

If an air conditioner is categorized as a leftover item and stops working in summer, you could be responsible for replacement costs. Always ask for clarification in writing.


Restoration Costs and the Tokyo Ordinance

Tokyo has a specific rule called the Tokyo Rental Housing Dispute Prevention Ordinance, which defines responsibility at move-out.

Under this ordinance:

Natural aging and normal wear — such as wallpaper fading from sunlight or minor floor dents from furniture — are the landlord’s responsibility.

Damage caused by negligence — such as cigarette burns, scratches from dragging furniture, or mold caused by poor ventilation — is the tenant’s responsibility.

However, many contracts include special clauses requiring professional cleaning fees regardless of room condition. These cleaning fees are extremely common in Tokyo and should be clearly explained during Jusetsu.

Before signing, confirm:

  • The exact cleaning fee amount
  • Whether it is fixed or variable
  • Any additional restoration obligations beyond standard wear and tear

Understanding this now prevents disputes later.


Financial Obligations Beyond Monthly Rent

Rent is only part of the total cost of renting in Japan.

During Jusetsu, carefully review:

  • Renewal fee (often one month’s rent every two years)
  • Renewal administrative fees
  • Short-term cancellation penalties
  • Guarantee company initial and renewal fees
  • Fire insurance costs
  • Lock exchange fees

In Tokyo, renewal fees are standard practice and may surprise foreigners who are unfamiliar with this system. If you plan to stay long-term, this should be factored into your total housing cost calculation.

Short-term cancellation penalties are especially common in properties offering “zero deposit” or “free rent.” If you leave within one year, you may owe one or two months’ rent as a penalty.


Rules, Restrictions, and Mandatory Disclosures

Building rules in Japan are often stricter than in Western countries.

Confirm restrictions on pets, musical instruments, smoking, and business use. “Pet-friendly” may still limit size, breed, or number.

The broker must also disclose negative information (告知事項), such as prior incidents in the unit or significant nearby environmental issues. If you have concerns, ask directly whether any disclosure items apply to the property.


Hazard Maps and Disaster Explanation

Real estate agents in Japan are legally required to explain a property’s location on official hazard maps during the Explanation of Important Matters (Jusetsu).

This means the agent must show you the relevant government-issued hazard map (such as flood or storm surge maps) and clearly explain whether the property is located within a designated risk zone. If it is, they should also clarify the type of risk involved — for example, river flooding or heavy rainfall — and indicate the expected inundation depth based on municipal data.

Under the law, the agent’s obligation is specifically to show the relevant hazard map and indicate where the property is situated within it. The legal requirement does not extend to providing a detailed risk analysis beyond identifying the location.

However, if the property falls within a designated flood zone, it is advisable to ask about the type of flood risk, the expected inundation depth, and the location of nearby evacuation areas. While these additional explanations may not all be strictly mandated, understanding them is essential for making an informed rental decision in Tokyo.

If you are relocating to Japan, do not hesitate to ask where the nearest evacuation area is and how the local government defines the hazard zone. Understanding this information is an essential part of making an informed rental decision in Tokyo.

IT Jusetsu: Completing the Process from Overseas

If you are relocating to Japan and have not yet arrived, you may complete Jusetsu via video conference.

You must:

  • Clearly see the broker and their license
  • Receive documents in advance
  • Have stable internet access

It is strongly recommended to print the documents before the session so you can review details carefully.


Final Advice for Foreigners Renting in Japan

Never rush the Jusetsu simply because the market is competitive. A good apartment is important, but a clear contract is more important.

Ask practical questions such as who to contact in emergencies, how maintenance is handled, and what happens if you need to terminate early.

If you pay a holding deposit before signing, confirm in writing that it is refundable if you cancel before contract execution.

By understanding the Explanation of Important Matters in Japan, you are not just completing a legal formality. You are protecting yourself financially and ensuring that your new life in Tokyo begins with clarity and confidence.


If you are relocating to Japan and would like professional guidance in English throughout the rental contract process, feel free to reach out. Personalized support can prevent misunderstandings and make your move significantly smoother.

5 Essential Rules to Protect Your Security Deposit

Have you ever seen the term “restoration costs” when moving out of an apartment in Japan and wondered what it really means?

Or perhaps you’ve accidentally scratched the floor during your tenancy and worried, “What if I’m charged a large repair fee when I move out?”

And another common question: How much of my security deposit will I actually get back?

In Japan, there are clear legal guidelines that define a tenant’s responsibility and how costs are settled at the time of move-out. This article explains what tenants are actually responsible for, how restoration costs are calculated, and what you should know to avoid unexpected charges.

If you are moving out in Japan, you do not have to return your apartment in brand-new condition. Under Japanese law, tenants are responsible only for damage caused by negligence or improper use. Natural wear and aging are the landlord’s responsibility, and most interior materials are depreciated over six years.

Yet disputes remain common. Understanding exactly how restoration costs are divided — and how real-world cases unfold — is essential to protecting your security deposit.

Moving out costs in Japan

Landlord’s Responsibility: Natural Wear and Aging

Under Japanese restoration rules, costs that arise from normal living and aging are considered already covered by your monthly rent. These are not additional charges that can automatically be passed to the tenant.

Typical examples of the landlord’s responsibility include:

  • Floors: Dents or marks left by heavy furniture such as sofas or refrigerators. Simply placing ordinary household furniture in a room does not constitute negligence.
  • Walls: Discoloration of wallpaper caused by sunlight (fading) or dark “electric burns” that appear behind televisions or refrigerators due to heat and airflow.
  • Minor Holes: Small pinholes from thumbtacks or pins used to hang posters or calendars, as long as the underlying wallboard does not require replacement.
  • Maintenance and Turnover Cleaning: Cleaning for the next tenant or professional disinfection, provided that you performed regular, ordinary cleaning during your stay.

These examples reflect a fundamental principle: ordinary use leads to gradual change, and that change is factored into rent.


Tenant’s Responsibility: Negligence or Improper Use

By contrast, tenants must pay for damage caused by intentional acts, negligence, or failure to maintain the property properly. The issue is not whether damage exists, but whether reasonable care was exercised.

Examples of tenant responsibility include:

  • Kitchen Neglect: Heavy oil or soot stains in the kitchen caused by failing to clean regularly.
  • Bathroom and Toilet Issues: Mold or water scale buildup due to lack of cleaning and ventilation.
  • Spills and Stains: Stains or mold on carpets or floors caused by spilled drinks that were not cleaned up properly.
  • Neglected Leaks: If you notice a window leak or condensation forming and fail to report it or wipe it away, leading to wall rot or mold, you become liable for the resulting damage.
  • Smoking Damage: Yellowing wallpaper or lingering odors caused by cigarette smoke.
  • Pet Damage: Scratches on pillars, chewed frames, or persistent odors caused by keeping pets — even in pet-friendly apartments if the damage exceeds normal use.

The legal standard applied is whether the tenant exercised reasonable care as a prudent occupant. Failing to clean, report, or maintain can shift responsibility entirely to the tenant.


The 6-Year Depreciation Rule Still Applies

Even when damage is attributable to the tenant, Japan’s depreciation system reduces liability.

Wallpaper, carpets, and cushion flooring are generally considered to have a six-year service life. After six years, the residual material value is treated as one yen. Therefore:

  • If damage occurs after three years, only about half of the material cost should be charged.
  • If damage occurs after more than six years, the material value itself is effectively zero.
  • However, labor and installation costs may still apply if the damage resulted from negligence.

This rule becomes particularly important in disputes involving long-term tenants.


Real-World Case Studies: What Actually Happens

Official reports from the National Consumer Affairs Center (NCAC) highlight recurring patterns in restoration disputes. The following cases illustrate common problems.

Case 1: The “Zero-Zero” Trap

A tenant moved out of a “zero deposit/zero key money” apartment after two years. They were billed more than 100,000 yen, including 50,000 yen for cleaning, even though they had not smoked and their contract only required air-conditioner cleaning if smoking occurred. Because they had no security deposit to deduct from, they received a large lump-sum invoice.

This case demonstrates the hidden risk of zero-deposit properties. Without a deposit buffer, restoration costs are billed directly, and tenants may face significant unexpected charges.


Case 2: The 25-Year Long-Term Stay

A tenant lived in an apartment for 25 years. Upon move-out, the landlord claimed replacement costs for flooring and wallpaper. However, because the tenant had stayed so long, the value of those materials had depreciated to virtually zero. The wear was deemed natural aging rather than tenant-caused damage.

This case underscores the power of the depreciation rule. Long occupancy significantly reduces material liability.


Case 3: Unproven Pre-Existing Damage

A tenant was charged for scratches on walls and doors that they insisted were present when they moved in. However, because they had not taken photos or completed a move-in checklist, they had no proof. As a result, disputing the charge became extremely difficult.

This case illustrates why documentation at move-in is critical. Without evidence, restoration disputes become one person’s word against another’s.


Why These Details Matter

Moving out in Japan is not about restoring perfection. It is about determining:

  • Was the damage caused by negligence?
  • Has depreciation been properly applied?
  • Were special clauses clearly explained at signing?
  • Can the tenant prove the original condition?

When tenants understand these principles, disputes often resolve quickly. When they do not, restoration invoices can feel arbitrary and unfair.

Practical Steps to Protect Your Deposit

  1. Check for Special Clauses (Tokuyaku): Landlords can add “Special Restoration Clauses” that override general guidelines (e.g., “The tenant always pays for professional cleaning”). These are valid only if they are specific, reasonable, and clearly agreed upon at the time of signing.
  2. Document at Move-In: Take clear, timestamped photos of every existing scratch, stain, or dent the day you get your keys. If the landlord provides a “Checklist,” fill it out meticulously and keep a copy.
  3. Perform Regular Cleaning: Failing to clean your kitchen fan or bathroom can lead to “neglect” charges.
  4. Attend the Final Inspection: Always be present for the “room check” when you move out. If you disagree with a charge, do not sign the settlement form immediately. Ask for a breakdown and compare it to the MLIT guidelines.

What to Do If You Are Overcharged in Japan

If your landlord refuses to return your security deposit or presents excessive charges, begin by negotiating using official guidelines and depreciation rules.

If negotiation fails, you may:

  • Call the National Consumer Affairs Hotline (188)
  • Contact the Tokyo Foreign Residents’ Advisory Center
  • Use civil mediation (minji chotei)
  • File a small claims case for disputes under 600,000 yen

Japan’s system is structured and accessible. Many disputes are resolved once tenants reference the correct rules.


FAQ: Moving Out in Japan

Do I have to repaint or replace wallpaper when moving out in Japan?

No, unless the damage was caused by negligence. Normal fading and aging are the landlord’s responsibility.

What is the 6-year rule in Japan apartments?

Interior materials like wallpaper are depreciated over six years. After that period, their material value is considered one yen.

Is the cleaning fee mandatory in Japan?

It depends on your contract. Fixed cleaning fees are often valid if clearly written and properly explained before signing.

Can I dispute move-out charges in Japan?

Yes. You can negotiate, seek consumer consultation, pursue mediation, or file a small claims case.


Final Takeaways

As a licensed real estate agent in Tokyo, I often see disputes arise not because the rules are unclear, but because tenants were unaware of how responsibility is divided. The most expensive mistakes usually occur at the beginning of the lease — when clauses are signed without full understanding — not at the end.

Moving out in Japan does not require returning your apartment in brand-new condition. It requires reasonable care, awareness of depreciation, and proper documentation.

Understanding these rules before you sign a lease is the strongest protection you can have when you move out.

For further details for those who reside in Tokyo, please refer to the official Tokyo Metropolitan Government publication here.

Best Places to Live Ranking 2026 (Kanto Edition): Where to Live in Greater Tokyo

For foreigners considering a move to or relocation within Japan, choosing “where to live” is a decision just as critical as your career path.

The latest results of the “SUUMO Best Places to Live Ranking 2026 (Kanto Edition)” have been released. This ranking is based on a highly reliable survey of 9,000 residents aged 20 to 49 living in the Tokyo metropolitan area (Tokyo, Kanagawa, Saitama, Chiba, and Ibaraki). SUUMO is one of Japan’s largest and most influential real estate information platforms.

Here are the top areas to watch in 2026 for those looking to start a new chapter in Japan:

🏆 No.1 for 9 Consecutive Years: Yokohama

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Yokohama continues its dominance, securing the No.1 position for the 9th consecutive year.

Why professionals choose Yokohama:

  • Direct access to central Tokyo (approx. 30 minutes to Tokyo Station)
  • International atmosphere and long-standing expat presence
  • Coastal scenery and open waterfront spaces
  • Large-scale commercial facilities and shopping districts
  • High livability score across demographics

For executives working in Marunouchi, Shinagawa, or even Shibuya, Yokohama offers a rare combination: urban convenience with breathing room.


🚉 Living in Central Tokyo: Business Convenience First

If proximity to headquarters, embassies, or tech hubs is your top priority, stations along the JR Yamanote Line remain dominant.

🌿 Ebisu (Ranked 4th)

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Refined dining scene

  • Strong international community
  • High-end residential buildings
  • Easy access to Shibuya and Tokyo Station

Ebisu remains a top-tier choice for globally minded professionals.


🚅 Tokyo Station (Ranked 5th)

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4

  • Gateway to all major Shinkansen lines
  • Direct airport access
  • Surrounded by Marunouchi’s financial district
  • Ideal for frequent business travelers

Living near Tokyo Station is a strategic choice for regional or global executives.


🌆 Shibuya (Ranked 10th)

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Major tech and startup ecosystem

  • Massive redevelopment projects
  • Vibrant nightlife and cultural energy

For professionals in tech, media, or venture capital, Shibuya remains highly attractive.


📊 Remarkable Stability in the Top Rankings

The top six stations — Yokohama, Omiya, Kichijoji, Ebisu, Tokyo, and Ikebukuro — maintained identical positions compared to last year.

This level of ranking stability signals:

  • Mature, well-established infrastructure
  • Consistent resident satisfaction
  • Strong long-term residential demand

For property buyers and investors, this stability often indicates lower volatility risk.


🌳 Spotlight on Rank 3: Kichijoji

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According to the 2026 ranking:

  • Rank: 3rd place
  • Total Score: 846 points
  • Positioned firmly behind only Yokohama and Omiya
  • Maintained the same ranking as the previous year
  • Major station on the JR Chuo Line

Why Kichijoji Matters for Relocation Decisions

1️⃣ Extreme Ranking Stability

Kichijoji has held 3rd place for at least two consecutive years. Among 9,000 working-age respondents, its appeal remains consistently strong.

2️⃣ Strategic Location

  • Direct JR Chuo Line access to Shinjuku (approx. 15–20 minutes)
  • Easy commuting to central business districts
  • Well-connected yet outside the hyper-dense urban core

3️⃣ Balanced Urban Lifestyle

While the survey focuses on statistical data, Kichijoji is widely associated with:

  • Access to Inokashira Park
  • Strong shopping and dining streets
  • A blend of residential calm and urban vibrancy

For dual-income professional couples or families wanting proximity to Tokyo without living inside it, Kichijoji is often the “ideal compromise.”


📈 Rising Stars: Next Break Areas to Watch

Beyond central Tokyo, several areas are gaining momentum.

🚉 Omiya (Ranked 2nd)

  • Largest terminal in Saitama
  • Strong commuter infrastructure
  • Affordable relative to central Tokyo

📍 Record High Rankings Since 2018:

  • Funabashi (12th)
  • Maihama (15th)
  • Tsukuba (24th)

Tsukuba, often called a “Science City,” is particularly attractive for researchers, academics, and families seeking spacious housing.

Also Reaching Historical Highs:

  • Ofuna (43rd)
  • Tachikawa (49th)

These rising areas often provide:

  • Larger homes
  • Lower price per square meter
  • Improving infrastructure
  • Increasing retail and commercial development

What This Means for Expats & Foreigners

When relocating to Japan, the decision should balance:

  • Commute time
  • International school access
  • Business district proximity
  • Airport connectivity
  • Lifestyle preference (urban vs suburban)
  • Investment potential
  • Long-term resale stability

The SUUMO ranking provides data-backed insight into real resident satisfaction, which is far more reliable than marketing brochures.


Final Thoughts: Where Should You Live in Japan?

Whether you prefer:

  • A vibrant tech hub (Shibuya),
  • A refined international district (Ebisu),
  • A coastal cosmopolitan city (Yokohama),
  • Or a balanced, lifestyle-oriented neighborhood (Kichijoji),

Greater Tokyo offers a wide spectrum of living environments.

If you are planning a relocation to Japan — or considering purchasing property as an expat — understanding these ranking trends can help you make a smarter long-term decision.


If you’d like a personalized consultation based on your industry, commute needs, family situation, or investment strategy, feel free to reach out.

Finding the right neighborhood isn’t just about convenience.
It’s about designing your next chapter in Japan strategically!

Essential Steps Before and Right After Arriving in Japan

Whether you’ve traveled from the other side of the world or from elsewhere in Asia, arriving in Japan after a long flight is no small feat—Otsukaresama. And welcome to Japan!

You may be eager to enjoy authentic Japanese food, explore the neon-lit streets, or start your sightseeing adventure right away. It’s an exciting time, and you deserve to soak it all in. However, before you can truly relax and embrace your new life, there are several critical milestones ahead to ensure you are fully settled.

“Where do I start? What are the exact procedures to follow?”

The real work of settling in begins the moment you land, and the sheer amount of bureaucracy—from managing your COE and Residence Card to navigating Rental Contracts and other required paper works—can feel overwhelming. Many newcomers find themselves stuck in a loop, wondering how to open a bank account without a permanent address, or how to rent an apartment without a bank account.

This guide is designed to bridge that gap. We have organized everything you need to know, from essential preparations before you fly to the administrative must-dos right after you land.

This guide is to help you navigate these essential first steps smoothly and efficiently. By following this roadmap, you can move from “just arrived” to truly feeling at home in Japan, as stress-free as possible. Let’s get started.


Before Departure: Once Your Move to Japan Is Confirmed, the First Step Is Obtaining a COE

Once it is confirmed that you will be moving to Japan for work or study, the first and most important step before departure is obtaining a Certificate of Eligibility (COE).

The COE is a document issued by Japan’s Immigration Services Agency that confirms you meet the requirements for a specific status of residence. For most long-term stays, it is an essential prerequisite for obtaining a visa.


Step 1: A Sponsor in Japan Applies for the COE

In most cases, the COE is applied for from within Japan by a sponsoring party, such as:

  • Your employer
  • Your school
  • A sponsoring organization
  • An immigration lawyer or administrative scrivener acting on your behalf

Applicants outside Japan generally cannot apply for a COE on their own.

The sponsor submits required documents—such as employment details, school enrollment information, or family relationship records—to immigration.


Step 2: COE Issuance by Immigration

If approved, immigration issues the COE.
This process typically takes 1 to 3 months, depending on the visa type and time of year.

Once issued, the COE is sent to you either as:

  • A physical document, or
  • An electronic COE (PDF), which is now widely accepted

Step 3: Apply for a Visa at a Japanese Embassy or Consulate

After receiving the COE, you apply for a visa at a Japanese embassy or consulate in your home country.

You will need:

  • Your passport
  • The COE (original or electronic)
  • A visa application form

Step 4: Prepare Key Financial Documents for Renting in Japan

If you plan to rent housing on your own in Japan (rather than through a company-arranged relocation), it is strongly recommended to prepare the following documents before leaving your home country:

  • Bank balance certificate
  • Proof of income (employment contract, salary certificate, tax payment certificate or recent pay slips)

These documents are often requested during:

  • Rental screening
  • Guarantor company review

Obtaining these documents after arriving in Japan can take extra time or be difficult, especially if your overseas bank requires in-person requests.

Preparing them in advance can:

  • Speed up the apartment application process
  • Improve approval chances

If your permanent residence in Japan has not yet been decided before departure, secure a temporary place to stay in advance.

Step 5: Finding the Real Estate Agent

  • Secure a Trusted Agent Before You Fly

Establish a relationship with a reliable, English-speaking agent while you are still in your home country will help. By sharing your preferences and documents early, your agent can filter out “foreigner-friendly” properties in advance, saving you days of frustration.

  • Leverage Online Viewings

Some agents can take you on a virtual tour via Zoom or FaceTime, showing you not just the room, but also the view from the window and the condition of the common areas.

  • Aim for “Ready to Move In” on Day One

Depending on the property, it is possible to complete the application and even sign the contract before you depart. Imagine landing at Narita or Haneda, picking up your bags, and heading straight to your own apartment.

Tips: Completing your housing search before arrival isn’t just “convenient”—it allows you to focus your first week on what really matters: registering your address, opening your bank account, and starting your new life.

(A separate article will cover “How to Find the Real Estate Agent for Expats in Japan”)


After Arrival: Step-by-Step Setup in Japan

Timeline to rent a house in Japan

Step 6: Enter Japan and Receive Your Residence Card (在留カード)

Once the visa is issued, you can enter Japan.

For most long-term residents:

  • A Residence Card is issued at the airport upon arrival
  • Your status of residence and period of stay are printed on the card
  • Your address is not yet registered

To receive your Residence Card:

  • Passport with visa
  • Landing permission from immigration

After securing your home in Japan, you must register your address at your local city office.


Step 7: Securing a Temporary Base (Until Your Lease Begins)

Since it often takes a few weeks to finalize a long-term rental contract and pass the tenant screening, you will need a place to stay immediately after landing.

However, this isn’t just about finding a bed—it’s about finding a strategic “base” that allows you to start your paperwork.

Your Options for a Temporary Base:

  • Serviced Apartments / Monthly Mansions: This is the most recommended option. Unlike standard hotels, many serviced apartments allow you to register their address at the ward office. This allows you to get your Resident Record (Jumin-hyo) and open a bank account while you are still searching for or waiting to move into your long-term apartment.
  • Short-term Stays (Airbnbs/Hotels): Fine for a few days, but be careful. Most hotels will not allow address registration. If your long-term rental takes 3 weeks to finalize, you will be stuck without a bank account or phone number during that entire period.

⚠️ The “Transition Strategy”: I strongly suggest booking a serviced apartment for at least your first month. This gives you:

  1. A legal address to start official procedures immediately.
  2. A stress-free environment to visit properties and sign your long-term lease.
  3. A buffer in case your long-term apartment move-in date is delayed.

By securing a “registration-friendly” temporary home before you fly, you ensure that your first week in Japan is productive, not just a waiting game.


Step 8: Get a Japanese Mobile Phone Number

A Japanese phone number is often required for:

  • Apartment applications
  • Bank account applications
  • Utility and service setup

However, major carriers usually require:

  • A Residence Card with a registered address

The major mobile phone carriers in Japan include NTT Docomo, au (KDDI), SoftBank, and Rakuten Mobile. Their shops can be found throughout cities across Japan.

Walk-ins are generally accepted, but stores are often busy, so making an online reservation in advance is strongly recommended. I also recommend checking with the store in advance regarding the required documents, as requirements may vary depending on your situation.

If your address has not yet been finalized, your options with major carriers may be limited, as they typically require a registered address on your Residence Card. In such cases, starting with a temporary SIM card or an MVNO plan is often the most practical solution. Some MVNO providers may accept a temporary address, allowing you to stay connected while you secure long-term housing.

Once your address is officially registered, you can then switch to a full mobile phone contract with a major carrier if needed.

This allows you to proceed with applications while completing other steps.


Step 9: Registering Your Address at City Hall (住民登録)

This step is mandatory and foundational. 

Deadline: Within 14 days of deciding your residence
Location: City Hall / Ward Office of your residential area

What to bring:

  • Residence Card
  • Passport
  • Address details (lease agreement may be requested)

What happens:

  • Address is printed on the back of your Residence Card
  • You are registered as a resident
  • You receive a Resident Record (住民票 / Juminhyo)

To register your address, you need to visit your local city hall (ward office) or a branch office that serves your residential area and submit the required documents. No appointment is required.

In the Tokyo metropolitan area, many offices provide multilingual guidance, and staff members are generally accustomed to assisting foreign residents. Unless your situation is unusual, the process is generally quite straightforward. If you feel unsure, you may contact the office in advance to ask whether language support in your preferred language is available—some offices can accommodate this upon request.

Because several documents are required for address registration, it is recommended that you confirm the required documents in advance before your visit.

Address registration can also be completed by mail, but this method tends to be more complicated and time-consuming. For most people, visiting the local branch office in person is the simplest and fastest option.

In addition, visiting the city hall or branch office allows you to learn about local services, community resources, and administrative support available in your area, making it a worthwhile visit beyond address registration alone.


Step 10: Opening a Bank Account in Japan

Because rent in Japan is typically paid by automatic bank withdrawal, having a Japanese bank account not only makes the rental process smoother but also expands the range of properties you can apply for. A Japanese bank account is also often required for salary payments, making it an essential part of daily life in Japan.

In general, a bank account can be opened after you have completed address registration at your local city office.

That said, many Japanese banks require you to have resided in Japan for at least six months before opening a standard account. However, some banks may allow earlier account opening if your employer or school is confirmed.

In addition, some banks, such as Japan Post Bank (Yucho Bank), allow new arrivals to open a non-resident account within the first three months, which can serve as a practical temporary solution after arrival.

It is also important to note that some service providers do not accept overseas-issued credit cards. For this reason, I recommend having at least one Japan-issued credit card whenever possible. To apply for a Japanese credit card, a Japanese bank account is generally required.

As a result, some newcomers find themselves in a frustrating loop:
you cannot open a bank account without an address, and you cannot finalize a rental contract without a bank account.

In that case, until your bank account is fully set up, arrangements such as advance rent payments or bank transfers can be negotiated, allowing the rental process to move forward without unnecessary delays.

(A detailed guide about bank is covered in a separate article.)


Step 11: National Health Insurance & Pension — Protecting Your Health and Your Visa Status —

Once you have registered your address, the next critical step at the ward office is enrolling in Japan’s social security systems. In Japan, health insurance and pension coverage are mandatory by law for all residents.

1. Do You Need to Register Personally?

Before you apply, check your employment status:

  • If you are a full-time employee: Your company usually enrolls you in “Social Insurance” (Shakai Hoken). They deduct premiums from your salary and handle the paperwork. You generally do not need to apply at the ward office.
  • If you are a student, freelancer, or dependent: You must manually enroll in the National systems at your local city hall or ward office.

2. National Health Insurance (国民健康保険 – Kokumin Kenko Hoken)

This is your safety net for medical expenses. Without it, a single trip to the emergency room could cost you thousands of dollars.

  • The Benefit: You only pay 30% of your medical bills; the government covers the other 70%.
  • Where to Apply: At the same time you register your address at the ward office.
  • What to Bring: Residence Card and Passport.
  • The Cost: Monthly premiums are calculated based on your previous year’s income in Japan. For newcomers with no prior Japanese income, the premiums are usually quite low.

3. National Pension (国民年金 – Kokumin Nenkin)

All residents aged 20–59 must join the pension system. While it may feel like a long-term concern, it has immediate legal importance.

  • The Cost: A flat rate of approximately ¥17,000 per month (as of 2025/2026).
  • Exemptions: If you are a student or have a low income, you can apply for a payment exemption or reduction. Do not just ignore the bills; apply for the exemption officially!
  • Lump-Sum Withdrawal: If you leave Japan permanently after paying into the system for at least 6 months, you can claim a partial refund (Lump-sum Withdrawal Payment).

⚠️ Critical Warning: Why You Must Not Skip This

Some newcomers try to avoid these payments to save money, but this can lead to serious consequences:

  1. Visa Issues: The Immigration Bureau now strictly checks your insurance and pension payment history during visa renewals or PR (Permanent Residency) applications. Unpaid bills can lead to a visa denial.
  2. Back-Payments: If you join late, you will be billed for all the months since you arrived in Japan, resulting in a large, unexpected bill.
  3. 100% Medical Costs: Without your insurance card, you must pay the full price for any medical treatment upfront.

Practical Tip for Newcomers

When you go to the ward office for your address registration, simply tell the staff: “Koku-ho (Health Insurance) and Nenkin (Pension), please.” In major cities like Tokyo or Osaka, multilingual staff or translation tablets are usually available to help you navigate the forms. It’s a straightforward process that usually takes less than an hour, but it provides peace of mind for your entire stay in Japan.


Step 12: Other Important Notifications

Depending on your situation:

  • Notify immigration of address changes
  • Register children for school
  • Apply for a My Number card
  • Update visa status if changing jobs

Common Mistakes to Avoid

  • Delaying address registration
  • Assuming banking is quick and easy
  • Signing leases without understanding requirements
  • Underestimating how long setup takes

Why Preparing in Advance Matters

If you start your home search from scratch after arriving in Japan, it can sometimes take around a month before you are able to finally move in.

Ideally, it’s best to move into your new home as soon as you arrive in Japan—but in reality, that doesn’t always happen.
Even so, starting your home search before arriving in Japan can make a big difference. By shortlisting properties in advance and then viewing them shortly after arrival, you can significantly reduce the time it takes to settle in. I also offer online viewings, which are especially helpful when you are still overseas.

Having the necessary documents prepared ahead of time can further speed up the process. Every expat’s situation is different, and the best approach varies depending on factors such as visa type, employment status, and timing. I take the time to understand your circumstances and work with you to find the most practical and stress-free way forward.

Relocating to a new country comes with many administrative tasks, and handling them in an unfamiliar language and environment can feel overwhelming. To ease that stress, I provide hands-on relocation support, including accompanying you to banks and local government offices when needed, so you don’t have to navigate these procedures alone.

If you’d like personalized support—from housing to relocation logistics—the initial consultation is completely free, and I’m happy to help you plan a smoother start to life in Japan.

Upfront Costs When Renting in Japan — And How to Reduce Them

Moving to Japan is an exciting journey, but the apartment-hunting process can be a financial culture shock. Rental customs in Japan are quite different from those in many other countries, and Japan has a unique system of fees that must be paid upfront at the time of contract signing.

In this guide, I explain the upfront costs of renting in Japan and share practical tips for keeping initial expenses down. Since customs and market practices vary across Japan, this guide focuses on typical trends in the Tokyo metropolitan area.


How Much Are the Total Upfront Costs?

As a rule of thumb, you should prepare to pay 4 to 6 months’ worth of rent at the time of signing.
For example, if your monthly rent is ¥100,000, you will likely need ¥400,000 to ¥600,000 available in your bank account.

These upfront payments are called initial costs (初期費用 / shoki hiyō) and are paid at the time the lease contract is executed.


Breakdown of Initial Costs in Japan (What You’re Paying For)

Below are the most common fees you may see on a Japanese rental invoice.

1) Advance Rent (Prepaid Rent)

It is standard practice in Japan to pay one month of rent upfront.
If you move in mid-month, you may also be required to pay pro-rated rent for the remaining days of that month.

In Japan, rent is typically paid by automatic bank transfer. If you do not yet have a Japanese bank account and cannot set up automatic withdrawal at the time of contract, you may be required to prepay additional rent until the bank setup is completed.

2) Maintenance / Management Fee (管理費・共益費)

If your listing shows rent plus a separate management or maintenance fee, this fee covers shared building expenses, such as:

  • Cleaning of common areas
  • Elevator maintenance
  • Lighting in hallways
  • Building management services

This fee is often collected together with the advance rent at the time of contract.

3) Security Deposit — Shikikin (敷金)

This is a partially refundable deposit held by the landlord to cover:

  • Unpaid rent
  • Cleaning costs
  • Repairs beyond normal wear and tear

Deductions at move-out are common. The typical range is 1–2 months of rent, though some listings require no deposit.

Details regarding move-out settlements and repair charges will be explained in a separate article.

4) Key Money — Reikin (礼金)

Key money is a non-refundable payment made to the landlord, sometimes described as a “thank-you” gift.

Many expats assume that a “gift” should be optional, but when key money is listed as a condition, it is mandatory in order to rent the property.

That said, no–key-money listings are not uncommon.

  • Popular, high-demand properties often require key money because landlords can be selective.
  • Properties that have been vacant for a long time may remove key money to attract tenants.

In that sense, key money can sometimes reflect a property’s popularity or market demand—though there are also many excellent properties with no key money at all.

5) Agency Fee — Chūkai Tesūryō (仲介手数料)

This is the brokerage fee paid to the real estate agency at contract signing.
It covers services such as:

  • Initial consultation
  • Property search and viewings
  • Contract explanation and coordination
  • Key handover

The commonly referenced maximum is up to one month’s rent + tax.

6) Guarantor Company Fee (保証会社費用)

Most rentals require a guarantor company, especially for foreign tenants.

The initial fee is usually 50–100% of one month’s rent, with possible renewal fees later.
For those who are new to Japan or do not yet have a Japanese bank account, 100% of one month’s rent is quite common.

7) Insurance (Fire & Liability Insurance)

Most leases require tenant insurance, usually purchased as a 2-year policy.

This insurance typically covers:

  • Fire damage
  • Water leaks
  • Personal liability (damage caused to neighboring units)

Many tenants forget about this insurance after moving in, but if something unexpected happens during your stay, you should always check whether the insurance applies.
If needed, I can also assist with contacting the insurance company and handling claims.
(Not all real estate agents provide post-move-in support, so this is something to confirm in advance.)

8) Key Exchange / Lock Replacement Fee

Many landlords or management companies charge a one-time lock replacement fee at move-in, typically ¥15,000–¥30,000.

FAQ: Can this fee be skipped?
Technically, it is not legally mandatory. However, most management companies insist on it for security and liability reasons. If the locks are not changed, the previous tenant may still have a spare key.

Note:
For high-security dimple keys or smart locks, the fee may be higher and replacement is usually mandatory.

9) “Optional” Fees That Often Appear

Depending on the property and management company, you may also see:

  • Cleaning fee: ¥30,000–¥60,000
  • Disinfection / pest control fee: ¥10,000–¥25,000
  • 24-hour support service fee: ¥10,000–¥20,000
  • Document preparation / administration fee: ¥5,000–¥15,000

These fees vary widely and are another reason why comparing total move-in cost is more important than rent alone.

Fee Summary Table (Japan)

Fee ItemJapanese NameRefundable?
Security DepositShikikin (敷金)Yes (partially)
Key MoneyReikin (礼金)No
Agency FeeChūkai Tesūryō (仲介手数料)No
Guarantor FeeHoshō-gaisha Hiyō (保証会社費用)No

Average Move-in Costs in Tokyo

Tokyo’s rental market is premium. Below is a practical budget guideline.

Apartment TypeAvg. Monthly RentEstimated Total Upfront Cost
Studio (1K / 1R)¥80,000 – ¥120,000¥320,000 – ¥720,000
1BR (1LDK)¥120,000 – ¥250,000¥480,000 – ¥1,500,000
2BR (2LDK)¥200,000 – ¥350,000¥800,000 – ¥2,100,000

Real-Life Simulation: Renting a ¥200,000 1LDK in Tokyo

Example invoice for a high-end 1LDK in Shibuya or Minato:

  • Rent: ¥200,000
  • Security Deposit (1 mo): ¥200,000
  • Key Money (1 mo): ¥200,000
  • Agency Fee (1.1 mo): ¥220,000
  • Advance Rent (1 mo): ¥200,000 *Depending on your move-in timing
  • Guarantor Company Fee (1 mo): ¥200,000
  • Fire Insurance & Lock Exchange: ¥40,000

TOTAL ESTIMATE: ¥1,260,000


FAQ: Can I Negotiate Initial Costs?

Yes, negotiation is possible—but it must be handled carefully.

You can ask for rent reductions or waivers of key money. However, aggressive negotiation may cause the landlord to view you as a “difficult tenant,” which could negatively affect screening results.

If a property has been vacant for a long time, or if the landlord’s situation allows flexibility, negotiations may succeed.
This is why it’s best to consult your agent first, as agents often know which properties are negotiable.

If you’d like to learn about common obstacles foreigners face when renting in Japan, please see this article.

Practical Ways to Reduce Initial Costs

Look for “Free Rent” Listings

Some properties offer 1–2 months of free rent, meaning you do not pay rent during that period. This significantly reduces upfront costs.

Free rent is often offered when:

  • The landlord wants to fill a vacancy quickly
  • A newly built apartment is leasing multiple units at once

Negotiating rent reductions is often frowned upon, but free-rent listings are relatively common and worth targeting if budget is a concern.


Check for “No Key Money” Listings

Many properties are advertised with no key money.
Removing key money alone can reduce upfront costs by 1–2 months’ rent.


Consider UR Housing

UR rentals are government-affiliated properties with:

  • No agency fee
  • No key money
  • No guarantor company fee

The quality is generally good, but availability is limited and competition is high, which can be a challenge.

You can find more details about UR Housing here.


The “Off-Season” Advantage

Moving in July, August, or November gives you more leverage.
During peak season (January–March), landlords receive many applications and rarely negotiate.

However, properties that remain vacant after March often prompt landlords to become more flexible—making them good negotiation targets.

Timing Affects Cash Required

Because you may need to pay pro-rated rent plus a full month in advance, your move-in date affects how much cash is required upfront.

In some cases, moving in at the very beginning or end of a month may reduce the immediate payment. However, this depends on whether automatic bank transfer is already set up, so it is always case by case.

The steps for opening a bank account in Japan will be covered in a separate article.

Renewal Fees: One Thing to Keep in Mind

While not part of the initial move-in costs, renewal fees are an important factor to consider for future expenses—especially if you plan to stay for more than two years.
In Japan, residential leases are typically for two years, and at the time of renewal it is common to pay a renewal fee equivalent to one month’s rent. That said, some properties do not charge a renewal fee. For this reason, whether or not a renewal fee applies can be an important decision point when searching for a property, particularly if you want to keep long-term housing costs down.

Have You Considered Buying Instead?

In Japan, depending on the area and the property, some homes can be purchased at surprisingly accessible prices—for example, studio units under ¥10 million and 1LDK units starting in the ¥10 million range.

If you later move out, you can sell or rent out the property.
Unlike rent, which is purely an expense, purchasing creates an asset.

For foreign buyers paying in cash, purchasing can sometimes be easier than renting. If you are considering Japan as an investment destination, buying may be worth exploring. I also assist with property purchases.

Reduce Costs by Preparing Before You Arrive

During the period between arriving in Japan and securing a home, many people stay in serviced apartments or hotels, which means paying high short-term rent on top of the upfront move-in costs.

If you start searching for a home only after arriving in Japan, the timeline to move in can vary depending on your situation, but even in the fastest cases, it usually takes around two weeks, and in many cases three weeks to a month or more before you can move into a long-term rental.

To reduce these expenses and shorten the temporary stay, preparing as much as possible before arriving in Japan is essential. Having the required documents ready in advance can also make the rental process much smoother and help shorten the overall timeline.

I can support the entire rental process fully online, allowing you to complete the contract before your arrival if needed.

For a step-by-step overview of the rental process in Japan and a list of required documents, please refer to this article.

Conclusion

Japan’s rental system may feel surprising compared to your home country, but understanding the costs and preparing in advance can greatly reduce stress.

I can support you from before your arrival in Japan, including area and property recommendations, online viewings, and even completing the lease contract fully online. By understanding your priorities and situation, I aim to help you find a home that truly fits your needs—while also proposing practical ways to keep your overall costs as low as possible. I provide tailored property searches based on your budget and situation, along with practical advice and negotiation strategies.

Initial consultation is completely free, so please feel free to reach out if you’d like personalized guidance.

Key Considerations When Choosing Where to Live in Tokyo

If you are not very familiar with Tokyo, it can feel almost impossible to know where to start when choosing an area to live. Tokyo is vast, and without local knowledge, everything can look equally confusing at first glance.

Before looking at floor plans or listing photos, it’s important to imagine how you want to live in Tokyo.

Most clients do not have clear preferences at the beginning. Especially in an unfamiliar city, where there are so many options, it’s very easy to feel overwhelmed and unsure about what is truly best.

That’s why I work with clients to clarify their priorities—thinking together about what is realistically possible in Tokyo—and then select areas and properties that best match their overall vision and needs.

Some people actually feel overwhelmed if they are asked too many questions, so I adjust my approach on a case-by-case basis. But I usually talk through these topics casually during our conversations.

  • How long of a commute is acceptable for you?
  • Do you work from home?
  • Do you prefer a quiet environment, or do you enjoy lively neighborhoods?
  • Are you comfortable walking from the station, and if so, how many minutes?
  • Do you like neighborhoods with a traditional, local “shitamachi”(old charm) atmosphere?
  • Or do you prefer Tokyo’s most modern and cutting-edge areas?
  • How do you usually like to spend your weekends?
  • How often do you go grocery shopping? (Refrigerators in Japan might be smaller than those in your countries!)

By talking over these points together, we gradually narrow down suitable areas and properties.

As a next step, when further refining specific locations and properties, below are key points to consider when choosing a property’s area and location—including factors that don’t appear in listings and may not always be highlighted by your agent.


Location and Rent: What Really Drives Prices in Tokyo

In Tokyo, rent prices are driven primarily by transportation convenience and distance from the station.

A good starting point is to think about where you commute to—such as your office, school or your child’s school—and decide how many minutes of travel time you are willing to accept. From there, consider areas within that radius and compare their characteristics.

Transportation Considerations

Tokyo has an extremely well-developed public transportation system. A 20-minute train ride can take you in almost any direction.

That said, if you dislike commuting, it’s often better to look for areas where you can minimize travel time, or even live within walking or cycling distance. If you need to commute during peak hours, it’s also important to consider whether you can tolerate Tokyo’s notoriously crowded trains.

On the other hand, some people don’t mind being on the train. In those cases, living a bit farther from the city center often means lower rent and a calmer residential environment.

Families and School Considerations

For families with children, it’s common to struggle between living close to school or close to work. This choice depends entirely on each family’s values.

Ideally, attending a school close to your workplace is the most convenient. In central areas like Roppongi and Azabudai, there are international schools such as ASIJ preschool, British schools, Tokyo International School, International School of the Sacred Heart and so on.

However, well-established international schools with spacious campuses—such as ASIJ and St. Mary’s International School—are often located slightly outside the city center.

When considering international schools, think about whether car drop-off is possible, whether school buses are available, and how easy the commute is by train.

(Education options will be covered in a separate article.)

Distance from the Station

In Tokyo, the closer a property is to the station, the more expensive the rent tends to be. If you expect to use trains frequently, living near a station is ultimately more convenient, with more shops and daily amenities nearby. However, station areas are often commercial zones, which can feel busy and cluttered. If you prefer a calm residential neighborhood, looking a bit farther from the station can make sense—particularly when it allows you to rent a property of similar quality at a more reasonable price.

Safety

However, especially for women, keep in mind that residential neighborhoods in Tokyo can become very quiet at night, with little foot traffic. While Tokyo is very safe, walking alone at night on streets with almost no people around may not feel comfortable. This is another important factor worth considering when choosing your home.

The atmosphere of a neighborhood can feel very different during the day compared to at night, so it’s important to keep that in mind when viewing properties.

Terminal Stations and Rent Levels

Major terminal stations such as Ikebukuro, Shinjuku, and Shibuya are large commercial areas, so there are relatively few residential properties directly nearby (though you will find apartments if you walk a bit).

In redeveloped stations like Shibuya, some commercial buildings now include residential floors on upper levels. If you really want to live close to a terminal station, looking between that station and the next one is often a good strategy.

In general, rent decreases the farther you move from terminal stations.

Express Stops vs. Local Stops

Stations where express trains stop tend to be more convenient and therefore slightly more expensive. Stations served only by local trains can have fewer services and feel less convenient.

However, express trains are often crowded, so if you’re comfortable taking local trains at a slower pace, this may not be an issue.

Even along the same train line, convenience can vary greatly from one station to the next depending on how developed the station area is.

Hidden Pitfalls of Train Lines

Some train lines are consistently crowded, prone to delays, or only served by local trains, which can mean fewer services than expected. Japan’s trains have been famous for their punctuality, but in recent years delays have become more common as rail networks have expanded and grown increasingly complex. (As a Japanese, I personally find it hard to tolerate waiting more than 10 minutes for a train at the station.) Since delay patterns tend to vary by train line, it’s a good idea to understand these differences when deciding where to live. These factors are not always obvious from listings alone, so consulting an agent is the most reliable way to avoid unpleasant surprises.

If You Rely on a Car

If your main mode of transportation is driving, proximity to a station becomes much less important. Instead, you should focus on whether parking is included or if nearby parking is available.

That said, it’s important not to underestimate Tokyo traffic. A 30-minute drive in Tokyo traffic might be very different from a 30-minute drive on a quiet highway in your country.

Slopes and Elevation

Tokyo has many hills and slopes more than you expect. Even if a property is listed as “a few minutes from the station,” steep slopes can make the walk more challenging than expected, so this is something to check carefully.

That said, areas on higher ground are often considered higher-grade residential neighborhoods.

Alternative Transportation

Bicycles are also a convenient way to get around, but even cyclists can struggle to find parking. In Japan, bicycles parked in unauthorized areas may be removed by local authorities. In that sense, rental bicycles are extremely convenient, as they eliminate the need to search for parking spaces.

In recent years, shared bicycles and electric scooters have become much more common in Tokyo and are very convenient. Considering crowded trains and traffic congestion, choosing a property with these options in mind can be a practical approach.

Your choice of train line significantly affects your daily life, and even stations on the same line can feel very different. Understanding each area’s characteristics and finding a property that truly fits your needs is much easier—and more reliable—when working with an agent who knows Tokyo well.

Lifestyle & Hobbies

Where Do You Want to Escape on Weekends?

Tokyo is surrounded by mountains, so by traveling just a short distance outside the city by car or train, you can enjoy the sea or the mountains even on a day trip. However, because Tokyo itself is so massive, crossing the city to reach the opposite side can be surprisingly time-consuming.

For this reason, your personal preferences—such as loving the ocean or wanting to go skiing almost every weekend in winter—can also become an important factor when deciding where to live.

  • Northern areas offer easy access to Chiba, where many golf courses are located. Chiba has also gained attention in recent years for second homes, such as in Katsuura, where you can enjoy a marine lifestyle. Access to Narita Airport is another advantage.
  • Southern areas provide easy access to Kanagawa, making weekend trips to Shonan, Hayama, Hakone, and Izu very convenient. These areas also offer easier access to the Tokaido Shinkansen without going all the way to Tokyo Station, making trips to Osaka and Kyoto smoother. Proximity to Haneda Airport is another benefit.
  • Western areas offer good access to Nagano and popular resort areas such as Karuizawa, , making them a great choice for snow sports lovers.
  • Central Tokyo provides easy access to expressways, making weekend escapes to the suburbs manageable. Dining and shopping options are unmatched, making it ideal for those who enjoy eating out. Some central business areas can feel surprisingly quiet on weekends, which I personally enjoy.

Disaster Preparedness & Safety

Tokyo is very safe, but there is also the reality that we must always be prepared for natural disasters.

Things I check with clients include:

  • Flood and earthquake hazard maps
  • Building age and compliance with current earthquake resistance standards
  • Whether the property is in a low-lying or reclaimed area

Even if a building meets modern earthquake standards, properties on soft ground or in flood-prone areas can be more vulnerable.

  • Tokyo has many rivers, and river-adjacent areas often have softer ground. In addition, many waterfront areas are built on reclaimed land. While these areas are engineered with this in mind and are not automatically dangerous, they are sometimes avoided from a ground-condition perspective. That said, riverside and waterfront properties often offer excellent views.
  • While walking through the city, you may sometimes notice pleasant greenways that are ideal for walking and enjoying the surroundings. Greenways were typically built over former rivers, meaning the ground in these areas is also considered relatively weak.
  • Older neighborhoods may have very narrow, unplanned streets where emergency vehicles have difficulty accessing properties. In addition, such areas often have dense clusters of older wooden houses, which can increase fire risk and make firefighting more difficult.

(Disaster preparedness will be explained in more detail in a separate article.)

One more Tip

As mentioned, Tokyo is also a city with many hills. Areas with names including “-dai” or “-yama” are often on higher ground and tend to be desirable residential neighborhoods.

If You Want to Keep Rent Low

Tokyo’s borders are lined by rivers such as the Tama River and Arakawa. Simply crossing into neighboring prefectures like Kanagawa, Saitama, or Chiba often results in noticeably lower rent.

While crossing rivers by car can be inconvenient due to bridge access, by train it’s often just one or two stops away, with little loss of convenience. These areas also tend to have more affordable shops and lower overall living costs compared to central Tokyo.

My Personal Recommendations

My clients often ask, “So where is actually good to live?”
Tokyo has so many interesting and wonderful neighborhoods that narrowing it down to just a few is truly difficult. That said, I’d like to share the areas I personally recommend most.

Hiroo

A rare balance of convenience, livability, and greenery. If you want to actively enjoy Tokyo, living closer to the city center is often more practical. While Hiroo is known as an expensive area, it also has many older buildings, and depending on conditions, you can sometimes find surprisingly reasonable options.

Ebisu

The neighboring station between Hiroo and Shibuya. With access to both the Hibiya Line and JR Yamanote Line, it is actually more convenient than Hiroo in some ways. It offers large station buildings, refined complexes like Ebisu Garden Place, and many local restaurants. Despite being just one stop from Shibuya, it remains calm and mature. Daikanyama is within walking distance, making it one of my top recommendations for living alone in Tokyo.

Sakurashinmachi

A quiet residential area slightly outside the city center. The station area features a large, well-organized shopping street lined with cherry trees—quite rare in Tokyo. Komazawa Park is within cycling distance. Although the Den-en-toshi Line can be crowded, access to Shibuya is excellent, offering a balance of calm living and convenience.

Musashi-Koyama

A unique blend of strong local character and modern redevelopment. Just four minutes from Meguro Station on the Meguro Line, it features a lively covered shopping arcade full of traditional local shops. At the same time, ongoing redevelopment has added a modern touch. One Italian client once described Musashi-Koyama as “the Venice of Tokyo” (though I can’t fully confirm that!). The large Rinshi-no-Mori Park is also nearby.

Finding a Home That Truly Fits Your Life

Photos and online listings don’t tell the full story. The most popular area is not always the best for you. Choosing a home in Tokyo is about aligning your priorities with the realities of the city.

If you’re unsure where to start, feel free to reach out

As a Tokyo native and an independent real estate agent, I work across all areas of Tokyo and the surrounding regions, without being limited to specific locations or listings. I do not have to prioritize company interests, and I always act in my clients’ best interests.

I take the time to understand your priorities and circumstances, help you narrow down the areas and properties that best fit your needs, and guide you through the process with practical, local insight.

Beyond home searching, I also support clients with other relocation-related challenges that come with moving in Japan, helping you avoid common pitfalls and settle in with confidence.

The consultation is completely free, so please feel free to reach out.

Here are some related articles that may help you take the next step.

Where to Live in Tokyo?―Understanding Tokyo’s Residential Areas

As a real estate agent working with international clients, I’m often asked the same question:

“Which area of Tokyo is the best to live in?”

The honest answer is that there is no single “best” area.
What matters is how each area fits your lifestyle, budget, and daily commute.

Tokyo is a gigantic city, and every neighborhood has its own appeal.
That diversity is one of Tokyo’s greatest strengths. Cutting-edge buildings stand next to long-established local shops that continue to thrive, while new stores and concepts are constantly emerging. Large parks are scattered throughout the city, and neighborhoods continuously evolve as businesses change.

Because of this, Tokyo is an exciting city where there is always something new to discover.

Explaining Tokyo in full detail would require an entire guidebook.
However, to help you grasp the overall picture as a first step before choosing where to live, this article introduces the broad characteristics of Tokyo’s main residential areas.

(For more detailed guidance on how to choose a property, please refer to this article.)


The Four Main + One Areas Around the Castle

Although Tokyo is vast, it is often helpful to think of it as being divided into four major areas:

  • Johoku (North Tokyo:Kita, Itabashi, Toshima, Bunkyo)
  • Jonan (South Tokyo:Shinagawa, Ota, Meguro, Setagaya)
  • Joto (East Tokyo)
  • Josei (West Tokyo)

The prefix “Jo” (城) means castle, referring to the Imperial Palace (formerly Edo Castle).
These areas are defined by their relative position—north, south, east, and west—around the Imperial Palace. These area classifications are informal and may differ depending on the source. For clarity, I would add Central in addition to these 4 areas.

Understanding Tokyo Major Areas


Central Areas

Chiyoda Ward

Chiyoda sits at the heart of Tokyo’s 23 wards. It is home to key national institutions such as the Prime Minister’s Office and the National Diet.
At the same time, it includes some of Japan’s most prestigious residential neighborhoods, such as Bancho, along with Marunouchi, one of Tokyo’s best-known business districts, and Akihabara, a global center for electronics and subculture.
All of these areas surround the Imperial Palace, creating a uniquely diverse urban landscape.

Chuo Ward

Chuo Ward blends history and modernity. Nihonbashi, the historical starting point of Japan’s major highways, and Tsukiji, known for high-quality food culture, retain a traditional atmosphere.
At the same time, Ginza, one of Japan’s premier luxury shopping districts, and the redeveloped waterfront areas of Harumi and Tsukishima, which played a role in the Tokyo 2020 Olympics, represent a modern and glamorous side of Tokyo.
Redevelopment in Nihonbashi has also led to an increase in high-end modern residences.

Shibuya Ward

Shibuya Ward is home to Shibuya Station, one of Tokyo’s most iconic and representative downtown districts.
It is widely known as a center of fashion and trends, with numerous large-scale commercial facilities.

Despite being located in the heart of the city, the area also offers abundant greenery, including Meiji Jingu Shrine and Yoyogi Park.

where to live in Tokyo Shibuya ward


In addition, it features highly desirable residential neighborhoods such as Ebisu, which consistently ranks near the top of “most desirable places to live” surveys, and Shoto, a well-known high-end residential area.
As a result, Shibuya Ward enjoys an excellent living environment as well as strong urban appeal.

Shinjuku Ward

Shinjuku Ward continues to develop around Shinjuku Station, the world’s busiest station in terms of daily passenger volume.
It is home to the Tokyo Metropolitan Government Building and the high-rise office district of Nishi-Shinjuku, as well as major entertainment areas such as Kabukicho, often referred to as “the city that never sleeps.”

At the same time, the ward also includes areas such as Takadanobaba where many universities and educational institutions are concentrated, including Waseda University. Ochiai, which has seen rapid population growth as a residential area in central Tokyo. There are also many Japanese language schools.
As a result, Shinjuku is a diverse area where people of all generations live side by side.


Johoku – North Tokyo

Smart Value, Residential Comfort, and Long-Term Stability

Includes:
Kita, Itabashi, Toshima, Bunkyo

General View

Johoku is where you can find a strong balance between price and livability.
Rents and purchase prices tend to be lower than in central or southern Tokyo, while train access remains excellent.

Major Areas

Bunkyo Ward

An academic district with numerous educational institutions including Tokyo University. It attracts students as well as education-focused Japanese families.
Residential neighborhoods such as Nezu, Gokokuji, and Hongo coexist with historical buildings like the Hatoyama Residence, gardens such as Chinzanso and Koishikawa Korakuen, and historic shrines including Nezu Shrine and Yushima Tenjin.

Toshima Ward

Home to Ikebukuro, one of Tokyo’s major sub-centers, along with Sugamo (“Grandma’s Harajuku”) and the upscale residential area of Mejiro.
Toshima has one of the highest population densities in Japan and excellent access to other prefectures via JR and private railways.

Kita Ward

Known for its large number of JR stations—11 in total, the most in Tokyo’s 23 wards.
Stations such as Oji, Akabane, and Tabata function as important transport hubs with multiple lines.

Itabashi Ward

A residential-focused area that includes large housing complexes such as Takashimadaira as well as traditional upscale neighborhoods like Tokiwadai.
Served by four major rail lines, providing convenient access to central Tokyo.


Schools

  • Tokyo University
  • Rikkyo University
  • Gakushuin University
  • Tokyo International University

Easy Access from Johoku

  • Direct rail access to Saitama Prefecture and Ibaraki Prefecture
  • Close to expressway interchanges, making trips to Nagano and Niigata very convenient (Particularly suitable for those who enjoy mountains over weekends!)
  • Rental prices tend to become more affordable north of Ikebukuro

While Johoku is not known as a trendy or fashion-forward area, it offers a rich variety of local shops and restaurants, providing a comfortable and very “Japanese” everyday lifestyle.


Jonan – South Tokyo

International Appeal, Convenience, and Premium Living

Includes:
Shinagawa, Ota, Meguro, Setagaya

General View

This area retains its reputation as a high-end residential zone due to its historical background of former daimyo estates and elite residences.
It offers a rare balance of trendiness, greenery, and calm living environments, and has long been home to many embassies, as well as numerous international schools.
As a result, many international families choose to live in this area.

Major Areas

Meguro Ward

Well known for Nakameguro, famous for cherry blossoms, and stylish neighborhoods such as Daikanyama and Jiyugaoka.
Residential areas like Aobadai, Yakumo, and Komaba are highly regarded. The ward also features historic slopes and landmarks.

Shinagawa Ward

Rapidly redeveloped areas such as Osaki and waterfront districts coexist with traditional shopping streets like Togoshi-Ginza, Hatanodai, and Musashi-Koyama. The Jonan Gozan area is a discreet but prestigious residential zone. Shinagawa also serves as a gateway to the Shinkansen and Haneda Airport, making regional and intercity travel highly convenient. With large-scale redevelopment projects continuing, the area is attracting growing attention.

Ota Ward

Home to Haneda Airport, along with upscale residential areas such as Denenchofu and Sanno. This area historically had a high concentration of small factories, and even today you can find a blend of old townscapes woven into the neighborhood.
Its excellent access by train, car, and plane, combined with abundant greenery, makes it very popular with families.

Setagaya Ward

The most populous ward in Tokyo. Known for large parks such as Komazawa Park and Kinuta Park, and home to many foreign families.
Prestigious residential areas like Seijo and the redeveloped Futakotamagawa, where Rakuten’s headquarters is located, attract many expatriates.


Schools

  • High concentration of international schools and preschools
  • University of Tokyo (Komaba Campus)
  • Keio University, Sacred Heart University, Komazawa University, Nippon Sport Science University
  • Keio University Hiyoshi Campus (in neighboring Kanagawa)

Easy Access from Jonan

  • Easy access to Tokaido Shinkansen
  • Easy weekend trips to Hayama, Kamakura, Hakone, and the Izu Peninsula
  • Close to Haneda Airport, ideal for frequent travelers

Who I Recommend Jonan To

  • Expats and executives
  • Clients who value international environments
  • Those with flexible budgets seeking convenience

Joto – East Tokyo

Space, Value, and Waterfront Living

Includes:
Taito, Sumida, Koto, Arakawa, Adachi, Katsushika, Edogawa

General View

Compared to the Jonan area, Joto generally offers lower rents, while still providing reasonable access to Tokyo Station.
Its strong downtown atmosphere appeals to those who enjoy traditional neighborhoods.

Major Areas

Adachi Ward

Adachi Ward is rich in natural environments such as rivers and parks, including the Arakawa River.
After developing historically as a post town, the population increased with the expansion of railway networks, and today it has become a popular residential area.

The area around Kitasenju, a terminal station served by five rail lines—including the JR Joban Line, Tokyo Metro Chiyoda Line and Hibiya Line, Tobu Isesaki Line, and the Tsukuba Express—is particularly lively.
The ward has actively promoted redevelopment projects and attracted universities, resulting in a vibrant and dynamic atmosphere.

Arakawa Ward

Arakawa Ward has undergone large-scale redevelopment, particularly around Minami-Senju, which is said to be one of the largest redevelopment projects in Tokyo.

While the influx of families has been notable, the ward still retains traditional streetscapes such as small factories and workshops, and many long-time residents continue to live there.
It is one of the areas in Tokyo where the shitamachi (traditional downtown) atmosphere can be felt most strongly.

Taito Ward

Taito Ward includes Ueno, a major gateway to eastern Japan where Shinkansen lines operate, as well as Asakusa, a highly popular tourist destination.
Because of this, the ward enjoys strong recognition among international visitors.

In addition to serving as a hub for tourism and transportation, Taito Ward is home to many cultural and historical sites, including the Tokyo National Museum, the National Museum of Western Art, and the Former Iwasaki Residence.
Not only the exhibits but also the architectural styles of these buildings can be appreciated.
This is an area where urban sophistication and traditional downtown character coexist.

Sumida Ward

Sumida Ward is characterized by traditional neighborhoods such as Ryogoku, Kyojima, and Mukojima, and a strong downtown atmosphere permeates the entire ward.

While preserving a deep connection to history and culture dating back to the Edo period, Sumida Ward has continued to evolve by balancing tradition and innovation.
In recent years, redevelopment has progressed alongside the opening of Tokyo Skytree, symbolizing this coexistence.

Koto Ward

Koto Ward faces Tokyo Bay and is characterized by its many rivers and canals.
This area was reclaimed during the Edo period and developed over time.

Neighborhoods such as Fukagawa and Kameido retain a strong downtown culture and a warm, community-oriented atmosphere.
At the same time, waterfront areas such as Toyosu and Ariake have seen rapid development, with high-rise buildings and tower condominiums.
These areas also served as venues for the Tokyo 2020 Olympic Games.

Katsushika Ward

Katsushika Ward is known for its strong sense of downtown warmth and for being the setting of classic Japanese films that evoke traditional Japanese life.

Shibamata has been designated as one of Tokyo’s first Important Cultural Landscapes, and scenic sites such as Horikiri Iris Garden, which was selected as one of the famous landscapes of Edo, continue to preserve a rich historical atmosphere.


Schools

  • Increasingly popular with families
  • Good access to international schools in eastern and central Tokyo

Easy Access from Joto

  • Excellent access to Chiba Prefecture, ideal for marine sports and beach activities
  • Easy trips to Tokyo Disney Resort and Narita Airport

Josei – West Tokyo

Includes:

Nakano, Suginami, Nerima

General View

This area also extends along the Chuo Line and has a strong and loyal following.
Neighborhoods such as Ogikubo and Koenji consistently rank high in surveys of the most desirable places to live.

Major Areas

Nakano Ward

Nakano Ward is located close to central areas such as Shinjuku, yet it is characterized by a large number of shopping streets and residential neighborhoods, and people from a wide range of generations live here.
It is known as a center of subculture and attracts attention from both within Japan and overseas, particularly for Nakano Broadway, which is filled with shops that are irresistible to enthusiasts and collectors.

At the same time, in recent years, redevelopment projects such as Nakano Shiki no Machi have promoted the attraction of universities and companies, bringing in new groups of residents and further diversifying the area.

Suginami Ward

Where to live in Tokyo

Suginami Ward is a residential area with two faces: the advantages of living close to the city center and the comfort of suburban living.
While it is home to prestigious residential neighborhoods such as Eifuku and Hamadayama, it also has many lively shopping streets and a down-to-earth atmosphere, along with active local events that reflect a strong sense of community.

In particular, seasonal events such as the Asagaya Tanabata Festival and the Koenji Awa Odori attract more than 800,000 visitors from both inside and outside the ward each year, and have become well-loved summer traditions in Tokyo.

Nerima Ward

Where to live in Tokyo

Nerima Ward is known as the birthplace of Japanese animation.
Around Oizumi-Gakuen Station, where Toei Animation is located, there are many spots unique to this “sacred place,” such as Oizumi Anime Gate and Oizumi Yumeteru Shopping Street, and nearly 100 animation production companies are concentrated in the ward.

In addition to its convenient access to central Tokyo, Nerima Ward has the largest amount of greenery and park space among Tokyo’s 23 wards.
Major parks such as Hikarigaoka Park and Shakujii Park contribute to the ward’s reputation as a residential area that successfully balances urban convenience with a green living environment.

Schools

Where to live in Tokyo
  • Chuo University, Seikei University, ICU

Easy Access from Josei

  • Convenient access to western Tokyo and Yamanashi
  • Popular for hiking, lakes, and Mount Takao
  • A good balance of city life and nature

Who I Recommend Josei To

  • Professionals and young families
  • Clients prioritizing train access and lifestyle
  • Those comfortable with competitive markets

Final Thoughts

Tokyo is constantly evolving. While it is impossible to capture every detail, historical trends still shape the overall character of each area.
At the same time, redevelopment projects or sometimes university relocations continue to change neighborhoods.

Again, rather than trying to understand all of Tokyo at once, I recommend first narrowing your options based on commutable distance from your workplace or school.

Also, there is no need to give up simply because popular areas are often associated with higher rents.
Depending on the property’s specific conditions, it is sometimes possible to find reasonably priced options even in highly sought-after areas.
For this reason, it is important not to rule out popular neighborhoods from the beginning and to explore your options carefully.

For more detailed guidance, please refer to the article on key points to consider when choosing a property in Tokyo.

Next Steps in Your Tokyo Home Search

I hope this article has helped you get a general sense of Tokyo as a first step in your home search.

That said, Tokyo is still an enormous city, and choosing the right area can feel overwhelming.
But don’t worry—let’s talk about your home search together. I’ll take the time to understand your preferences and circumstances, and help you identify the area and property that best fit your needs.

As an agent who was born and raised in Tokyo, I’m able to share insights that go beyond what you can find in listings alone—such as the true character of each neighborhood and how it actually feels to live there. I always take the time to listen carefully to each client’s needs and circumstances, and then help narrow down suitable areas and properties together.

As an independent real estate agent, I don’t push properties based on company priorities—I focus on what truly works best for you.

If you have any worries or questions about moving, I’m more than happy to talk them through with you.
Please feel free to reach out anytime—I’d love to help make your move to Tokyo as smooth and stress-free as possible.

To better understand the rental process in Japan, please refer to this step-by-step guide.

Air Conditioner Broken in Japan? What Foreign Renters Must Know Before Calling a Repair Service

AC Troubles in Brutal Japanese Weather

When your AC suddenly dies right in the middle of summer or winter, it’s enough to make you panic.
Japan’s summers can be brutally hot, and in some regions, winters can be bitterly cold.

In Japan, air conditioners are usually installed in each room. They are often high-performance, but at the same time, it is not uncommon for them to develop sudden issues during everyday use—more often than many foreign residents might expect. This is partly due to their advanced complexity and the extreme heat and cold they are exposed to.

You naturally want to fix it as quickly as possible. But in that moment, many tenants—especially foreign residents—find themselves wondering:

• What should I do first?
• Who is responsible for the repair cost?
• Can I arrange the repair myself and ask for reimbursement later?

In this article, I’ll walk you through the key points to watch out for, so you can handle the situation calmly, resolve it properly, so you can avoid unnecessary stress and unexpected out-of-pocket expenses.


Key Takeaways

  • Confirm repair responsibility at the time of contract signing, including which equipment is landlord-owned and which is not.
  • Normal aging and wear of landlord-owned equipment → usually the landlord’s responsibility
  • Negligence, misuse, or tenant-installed equipment → often the tenant’s responsibility
  • Always contact the landlord or management company first before arranging any repairs
  • Do not arrange repairs on your own without approval, as reimbursement is never guaranteed
  • Emergency repairs may be possible without prior permission, but only with clear evidence and proper documentation
  • Problems should always be reported early, as neglect can later become the tenant’s financial responsibility
  • If the air conditioner is unusable for a long period, a rent reduction may be negotiable in limited cases, but it is not guaranteed


Troubleshooting Steps When the AC Suddenly Stops

If your air conditioner suddenly stops working, try these simple checks before calling a repair professional. By running through these simple checks, you might be able to fix it yourself instantly:

         StepAction
1. Check the RemoteReplace the batteries and confirm the remote settings (e.g., timer, energy-saving mode).
2. Check the BreakerVerify that the dedicated AC circuit breaker for the room hasn’t tripped; if it has, turn it back on.
3. Check for Error CodesSee if the remote or the main unit’s LED lights are flashing and note down the error code.
4. Power ResetTurn the breaker off for 5 to 10 minutes and then switch it back on.
5. Clean the FilterCheck if the filter is clogged with dust and clean it.
6. Check Outdoor UnitIs anything blocking the airflow? Are there boxes, bicycles, or overgrown plants in front of the unit? Is it exposed to intense direct sunlight all day?  

Improving these conditions can sometimes restore performance and even save on electricity.
However, if there is water leaking from the unit, do not continue to use it or turn the power back on. There is a risk of electric shock. In that case, cut the power and contact the landlord or management company as soon as possible.

If these basic checks don’t work, that’s when you need to contact the landlord.
DO NOT call the technician first.

Japanese rental rules could be different from those in many other countries. This guide explains the key principles, what you need to be careful about, and how to handle air conditioner (and these apply to other equipment troubles as well) in a Japanese rental in a safe and practical way.

To begin, let’s first take a look at the basic framework of rental agreements in Japan.


Legal Principle: Who Is Responsible for Repairs?

Under Japanese law, the landlord has a legal obligation to provide and maintain rental facilities in a usable, livable condition. This principle comes from the Civil Code and is usually reflected in standard lease contracts.

In simple terms:
• You, as the tenant, pay rent in exchange for
• The landlord providing livable conditions, including functioning basic facilities such as the air conditioner, water heater, plumbing, etc.

Therefore, if an air conditioner that is listed as part of the rental facilities breaks down due to normal aging or wear and tear, the repair cost is generally the landlord’s responsibility.


However, this principle is not applied in isolation.

In practice, it is:
• Reflected and sometimes narrowed or clarified in your individual lease contract, and
• Closely connected to the equipment list attached to the contract (what is considered “equipment” vs. something else).

This is why checking your contract and equipment list carefully is essential.


In Tokyo, for example, landlords and agents are required to provide an explanatory document based on the Tokyo Metropolitan Ordinance for the Prevention of Rental Housing Disputes. This document highlights items that often lead to disputes, including who is responsible for certain repairs during the tenancy. When this is explained to you at contract signing, it is very important to listen carefully and make sure you understand:
• Which types of repairs you are expected to pay for, and
• Which types of repairs should properly be borne by the landlord.

Keeping that document and your contract in an accessible place will help you later when something goes wrong.
Even though this legal principle exists, some leases include special clauses that limit the landlord’s responsibility for repairs. These are normally explained at the time of contract, but it is still important for tenants to pay close attention and confirm these points carefully on their own.


First Rule: Contact the Management Company or Landlord Immediately

In Japan, the basic rule is that you should not arrange repairs on your own without permission.

As a matter of practice:
• The landlord has the right to choose the repair contractor, and
• If you hire someone on your own without prior approval, the landlord may later say:
✅the cost is too high,
✅the repair was unnecessary, or
✅they are not responsible for reimbursing you.

So even if the repair itself was necessary, going ahead before getting approval can weaken your reimbursement claim.

Your first step should always be to contact:
• The property management company, if there is one; or
• The landlord (owner), if the property is self-managed.


If there is no management company, it is often easiest to contact the real estate agent who handled your lease or the landlord directly, using the contact information in your contract.

However, there are also situations where there is no management company, the landlord is a private individual who cannot be reached right away, and even the real estate agent who handled the lease isn’t willing to offer immediate help. In such moments, tenants can easily feel completely at a loss.

So that you are not left scrambling in situations like this, you should also confirm at contract signing:
• Who to contact in an emergency,
• Whether there is a 24-hour emergency number, and
• What to do if the landlord is temporarily unreachable.


If you are not sure now, take a moment to look at your lease again. There should always be a contact for the landlord or the agent.


Exception: Truly Urgent Emergency Situations

But what if there is no management company, the agent is not responding, the landlord cannot be reached, and the situation clearly cannot wait?

For example:
• The air conditioner has completely stopped during extreme summer heat or severe winter cold
• Water is leaking and damaging the apartment or the neighbor’s unit
• There is an electrical issue that may pose a safety risk

In such cases, waiting indefinitely for a reply may not be realistic and there is a practical exception to the general rule.
If the situation clearly affects health, safety, or the basic habitability of the unit, and you have made reasonable efforts to contact the landlord or management company, you may proceed with calling a repair service directly, before obtaining prior permission.

In these circumstances, whether you are reimbursed later will depend heavily on:
• How clearly you can show that it was a genuine emergency
• Whether you tried to contact the landlord or management company first
• Whether the repair cost was reasonable and appropriate

In addition, when contacting the landlord, it can be helpful to leave a record stating that if you do not receive a response by a certain deadline, you will proceed with arranging the repair on your own. Keeping this communication on record, such as by email or message, can be helpful later.

Normally, tenants are reimbursed for reasonable repair costs they have temporarily covered. That said, reimbursement is not guaranteed, and each case will depend on the specific circumstances and the landlord’s judgment.


If You Have No Choice But to Repair First: Keep Everything on Record

If you are ever forced to proceed with repairs before obtaining approval, the most important thing you can do to protect yourself is to keep clear records in any form.


You should:
• Keep records of your attempts to contact the landlord or management company (call logs, emails, text messages)
• Leave a message stating that if you do not receive a response by a certain deadline, you will proceed with arranging the repair yourself
• Take photos and videos of the problem before any work is done
• Obtain a detailed invoice from the repair company.

Your choice of contractor also matters. In recent years, many repair companies advertise very cheap, quick services online. While some are reliable, there have also been many reported cases where the final bill turned out to be unreasonably high.

For that reason, if you choose a contractor yourself, it is often safest—though sometimes it may look slightly more expensive—to ask the manufacturer’s official support service to handle the repair.

In my experience, when I compare various options each year, the manufacturer’s official support tends to be the most trustworthy and easiest to justify to the landlord afterward. If the invoice comes from an official service desk, it is much harder for the landlord to argue that the cost is unreasonable.

Once the repair is completed, report everything to the landlord or management company as soon as possible, attaching your photos, communication records, and invoice.
The strength of any reimbursement claim in these situations depends very much on your evidence and documentation.


The Role of Insurance

Even if you take all of these steps carefully, there is unfortunately no guarantee that reimbursement will go smoothly. Some landlords may still hesitate or push back in various ways, so it is important to proceed cautiously.

Another important point that is often overlooked is insurance coverage. In practice, tenants in Japan usually enroll not only in fire insurance, but also in household (contents) insurance at the time of move-in, and landlords themselves are also usually covered by some form of property insurance.

When a repair issue arises, it is well worth checking whether any part of the damage might be covered by insurance—it can be broader than people expect. Landlords, too, often forget the exact scope of their coverage, so gently reminding them by asking, “Would this be covered by insurance?” can sometimes be very effective.


When a Small Problem Can Become a Big Responsibility

On the other hand, if a problem exists but you leave it unattended simply because it does not seem serious or does not bother you at the time, you may later be held responsible if that neglect leads to more significant damage. For example, a small water leak that is ignored can eventually cause damage to floors, walls, or even neighboring units. In such cases, the resulting damage may become the tenant’s financial responsibility.

For this reason, whenever you notice any kind of malfunction or irregularity—whether or not it seems to require immediate repair—it is always wise to report it to the landlord or management company as soon as possible.
However, there is no need to be overly anxious about every small detail.


“Equipment” vs. “Leftover Items” — This Directly Affects Who Pays

While this is less common than it used to be, there is another point that often confuses foreign tenants: the air conditioner (or other appliance) in your unit is not always legally considered the landlord’s equipment.
In Japanese practice, items are often categorized as:
• Facilities / Equipment → Officially provided and owned by the landlord
• Leftover Items → Items left behind by a previous tenant and simply “left in place”

The general rule is:
• If it is official equipment: the landlord usually pays for repairs due to normal aging
• If it is a leftover item: the tenant often bears the repair or replacement cost

In most cases, this information is stated in the Explanation of Important Matters. If the air conditioner is classified as a special case, such as a “leftover item,” this would normally be explained.

Again, it is important to listen carefully and make sure you fully understand the explanation at that stage.
If it is unclear, don’t guess—ask the real estate agent or landlord to confirm.


When the Tenant Must Pay

Even when the air conditioner is clearly landlord-owned equipment, there are cases where the tenant will be expected to pay for repairs. This usually happens when the damage is linked to negligence or misuse, for example:
• Never cleaning the filters, causing the unit to fail
• Ignoring clear signs of malfunction and continuing to use the unit
• Causing water damage through incorrect use
• Using the wrong voltage or doing unsafe DIY wiring

In broad terms:
• Natural aging and normal wear → Landlord responsibility
• Tenant negligence or misuse → Tenant responsibility


If you installed your own air conditioner, or if the unit is categorized as a leftover item, you should assume that you will be responsible for repair or replacement.


Standard Repair Process in Japan

In a normal, non-emergency case, the process generally follows these steps:

  1. You contact the landlord or management company.
  2. You explain the symptoms and, if possible, provide the manufacturer and model number.
  3. The landlord or management company arranges a repair visit with their contractor.
  4. In most cases, you are asked to be present for the visit. If you cannot take time off work, you can ask whether the landlord or management company might attend on your behalf.
  5. If parts need to be ordered, a follow-up visit is scheduled.

Even when the landlord is paying, it is important to confirm the expected schedule, especially in extreme weather. During busy seasons, it may take some time before a technician can come.


Can Rent Be Reduced If the Air Conditioner Is Unusable?

If the air conditioner is unusable for a longer period and your daily life is clearly affected, it may be possible to request a temporary rent reduction.

However, there is no fixed amount set by law, and in reality:
• It is a relatively rare remedy,
• The outcome depends heavily on the landlord, the length of the problem, and how clearly the impact on your living conditions can be shown.

It is something you can discuss, but it is better to approach it as a negotiation, not a guaranteed right.


What If Only the Remote Control Breaks?

If only the remote control stops working and the cause is natural wear and tear, the landlord will usually cover the cost of repair or replacement, as it is part of the overall air conditioning system.
If the problem is simply that the batteries are dead, of course, that is the tenant’s responsibility—so always try replacing the batteries first.


Can You Request Professional Air Conditioner Cleaning?

As a tenant, you are expected to clean the filters and accessible dust on a regular basis yourself.
This not only helps the unit run more efficiently but can also reduce your electricity bills.

If you want professional deep cleaning by a specialist company, you should always ask the landlord or management company first. Legally, the air conditioner is usually the landlord’s property, and if a cleaning company causes damage, the situation can become complicated. In some cases, the tenant may be held responsible for repair or replacement costs if the landlord did not approve deep cleaning.
Most landlords arrange professional cleaning after tenants move out, using contractors they already trust. If you feel that deep cleaning is needed, it is best to ask the landlord to introduce their usual service provider. Since the landlord usually works with the same cleaning company, the cost is often quite reasonable.


Final Check at the Time of Contract (Summary Checklist)

As discussed throughout this article, many problems can be avoided simply by clarifying a few key points at the time of contract signing. However, when you are signing a lease, you are often busy with moving arrangements and may not have the time or energy to think about “what if something breaks later?”.

So, to summarize, here is a simple final checklist you should confirm at the time of contract:
• Which facilities are landlord-owned equipment and which are not
• Who is responsible for which kinds of repairs
• Which contact numbers to use in normal situations and in emergencies

The explanation may be long, and there may be a lot of paperwork, but taking the time to understand these points calmly at the beginning can save you from much greater stress later.

I always make a special effort to explain these important points in a way that is easy for foreign residents to understand. After move-in, I also support my clients by standing between them and the landlord or management company when negotiations or detailed explanations are needed, so that they can live in Japan with more peace of mind.


Support for Foreign Residents Renting in Japan

I provide full rental support for foreign residents in Japan, including:
• English communication with landlords and management companies
• Ongoing support so you can feel secure living in Japan
• Contract reviews and explanation of key clauses
• Move-in and move-out assistance

If you ever feel unsure or stressed about a rental issue in Japan,
please feel free to contact me anytime.

References: Ordinance for the Prevention of Residential Rental Disputes in Tokyo & Guidelines for Preventing Tenant-Landlord Disputes