FLAT 35 · CUSTOM HOMES WITH LAND · 47 PREFECTURES

Average land and construction cost by prefecture

Official FY2025 figures for Flat 35 borrowers who financed both land acquisition and custom-home construction. These are borrower statistics, not averages for every homebuyer in Japan.

¥53.1M
FY2025 · Custom homes with land
Japan average required funds
Average land acquisition¥15.8M
Average construction¥37.4M

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47 prefectures

Compare Flat 35 borrower results

Average required funds are the official total corresponding to average land acquisition and construction costs for the same survey group. Median lot area and average floor area are separate descriptive statistics and do not describe one representative property.

PrefectureAverage required fundsLand and construction
HokkaidoLot 241.5 m² · Floor 116.4 m² · 330 samples¥52.8MLand ¥12MConstruction ¥40.8M
AomoriLot 265.1 m² · Floor 108.5 m² · 88 samples¥41.1MLand ¥5.6MConstruction ¥35.5M
IwateLot 246.8 m² · Floor 104.9 m² · 74 samples¥41.8MLand ¥7.3MConstruction ¥34.4M
MiyagiLot 218.2 m² · Floor 111.1 m² · 145 samples¥49.1MLand ¥13.1MConstruction ¥36M
AkitaLot 253.5 m² · Floor 106.4 m² · 113 samples¥43.7MLand ¥7MConstruction ¥36.7M
YamagataLot 267.2 m² · Floor 108.4 m² · 75 samples¥44.3MLand ¥7.6MConstruction ¥36.7M
FukushimaLot 240.2 m² · Floor 105.7 m² · 120 samples¥44.5MLand ¥9.5MConstruction ¥35M
IbarakiLot 295.8 m² · Floor 110.8 m² · 292 samples¥45MLand ¥8MConstruction ¥36.9M
TochigiLot 255.4 m² · Floor 109.5 m² · 203 samples¥46.3MLand ¥9.3MConstruction ¥36.9M
GunmaLot 307.6 m² · Floor 113.2 m² · 218 samples¥46.6MLand ¥8.6MConstruction ¥38M
SaitamaLot 174.6 m² · Floor 111.8 m² · 430 samples¥56.1MLand ¥18.1MConstruction ¥38M
ChibaLot 186.1 m² · Floor 113.2 m² · 452 samples¥57MLand ¥16.7MConstruction ¥40.2M
TokyoLot 110.8 m² · Floor 104.8 m² · 393 samples¥80MLand ¥42.7MConstruction ¥37.3M
KanagawaLot 143 m² · Floor 106.8 m² · 376 samples¥65MLand ¥28.3MConstruction ¥36.7M
NiigataLot 206.3 m² · Floor 111 m² · 76 samples¥46.3MLand ¥9.3MConstruction ¥37.1M
ToyamaLot 240 m² · Floor 116.5 m² · 29 samples¥43.7MLand ¥6.4MConstruction ¥37.4M
IshikawaLot 214.8 m² · Floor 114.7 m² · 47 samples¥50.1MLand ¥11.2MConstruction ¥38.9M
FukuiLot 229.9 m² · Floor 112.4 m² · 29 samples¥55.1MLand ¥8.6MConstruction ¥46.5M
YamanashiLot 281.2 m² · Floor 110.2 m² · 141 samples¥44.8MLand ¥8.7MConstruction ¥36.1M
NaganoLot 302 m² · Floor 110.1 m² · 164 samples¥48.3MLand ¥10.1MConstruction ¥38.3M
GifuLot 256.7 m² · Floor 116.7 m² · 148 samples¥49.4MLand ¥9.5MConstruction ¥39.9M
ShizuokaLot 217.5 m² · Floor 110 m² · 204 samples¥49.7MLand ¥12.1MConstruction ¥37.7M
AichiLot 182.3 m² · Floor 114.5 m² · 342 samples¥58.3MLand ¥19.2MConstruction ¥39.1M
MieLot 237.8 m² · Floor 107.5 m² · 76 samples¥47.4MLand ¥10MConstruction ¥37.4M
ShigaLot 189.6 m² · Floor 108.1 m² · 168 samples¥48.8MLand ¥13.7MConstruction ¥35M
KyotoLot 133.7 m² · Floor 104.1 m² · 148 samples¥53.3MLand ¥19MConstruction ¥34.3M
OsakaLot 120.1 m² · Floor 110.2 m² · 615 samples¥57.9MLand ¥23.6MConstruction ¥34.3M
HyogoLot 174.9 m² · Floor 113.8 m² · 398 samples¥56.4MLand ¥17.8MConstruction ¥38.5M
NaraLot 197 m² · Floor 111.6 m² · 151 samples¥53.2MLand ¥15.6MConstruction ¥37.6M
WakayamaLot 205.9 m² · Floor 111.9 m² · 118 samples¥46.8MLand ¥8.9MConstruction ¥38M
TottoriLot 205.6 m² · Floor 100.9 m² · 11 samples¥47.4MLand ¥10.3MConstruction ¥37.1M
ShimaneLot 221.4 m² · Floor 102.4 m² · 4 samples¥45.9MLand ¥6.3MConstruction ¥39.6M
OkayamaLot 219 m² · Floor 109.9 m² · 85 samples¥47.1MLand ¥10.7MConstruction ¥36.4M
HiroshimaLot 193.7 m² · Floor 109.1 m² · 76 samples¥50.4MLand ¥12MConstruction ¥38.4M
YamaguchiLot 243.5 m² · Floor 109.6 m² · 74 samples¥47.5MLand ¥9.5MConstruction ¥38.1M
TokushimaLot 219.4 m² · Floor 103.7 m² · 17 samples¥41.3MLand ¥8MConstruction ¥33.3M
KagawaLot 238.4 m² · Floor 114.4 m² · 38 samples¥45.9MLand ¥9.1MConstruction ¥36.9M
EhimeLot 194.3 m² · Floor 103.8 m² · 127 samples¥45.6MLand ¥10.4MConstruction ¥35.2M
KochiLot 186.1 m² · Floor 105.1 m² · 34 samples¥48.2MLand ¥10.3MConstruction ¥37.8M
FukuokaLot 226.1 m² · Floor 112.3 m² · 457 samples¥52.7MLand ¥13.8MConstruction ¥38.9M
SagaLot 255 m² · Floor 110.4 m² · 72 samples¥44.3MLand ¥8.3MConstruction ¥36.1M
NagasakiLot 210.1 m² · Floor 108.2 m² · 72 samples¥47.5MLand ¥11MConstruction ¥36.5M
KumamotoLot 248.1 m² · Floor 106.1 m² · 173 samples¥45.9MLand ¥9.6MConstruction ¥36.3M
OitaLot 238.7 m² · Floor 110.4 m² · 61 samples¥48.8MLand ¥11.5MConstruction ¥37.3M
MiyazakiLot 304.1 m² · Floor 110 m² · 73 samples¥46.6MLand ¥8.8MConstruction ¥37.8M
KagoshimaLot 247.5 m² · Floor 102.9 m² · 163 samples¥43MLand ¥9.2MConstruction ¥33.8M
OkinawaLot 181.4 m² · Floor 102.4 m² · 33 samples¥60.2MLand ¥21MConstruction ¥39.1M
PrefectureRequired fundsLand / build
Hokkaido330 samples¥52.8MLand¥12MBuild¥40.8MAomori88 samples¥41.1MLand¥5.6MBuild¥35.5MIwate74 samples¥41.8MLand¥7.3MBuild¥34.4MMiyagi145 samples¥49.1MLand¥13.1MBuild¥36MAkita113 samples¥43.7MLand¥7MBuild¥36.7MYamagata75 samples¥44.3MLand¥7.6MBuild¥36.7MFukushima120 samples¥44.5MLand¥9.5MBuild¥35MIbaraki292 samples¥45MLand¥8MBuild¥36.9MTochigi203 samples¥46.3MLand¥9.3MBuild¥36.9MGunma218 samples¥46.6MLand¥8.6MBuild¥38MSaitama430 samples¥56.1MLand¥18.1MBuild¥38MChiba452 samples¥57MLand¥16.7MBuild¥40.2MTokyo393 samples¥80MLand¥42.7MBuild¥37.3MKanagawa376 samples¥65MLand¥28.3MBuild¥36.7MNiigata76 samples¥46.3MLand¥9.3MBuild¥37.1MToyama29 samples¥43.7MLand¥6.4MBuild¥37.4MIshikawa47 samples¥50.1MLand¥11.2MBuild¥38.9MFukui29 samples¥55.1MLand¥8.6MBuild¥46.5MYamanashi141 samples¥44.8MLand¥8.7MBuild¥36.1MNagano164 samples¥48.3MLand¥10.1MBuild¥38.3MGifu148 samples¥49.4MLand¥9.5MBuild¥39.9MShizuoka204 samples¥49.7MLand¥12.1MBuild¥37.7MAichi342 samples¥58.3MLand¥19.2MBuild¥39.1MMie76 samples¥47.4MLand¥10MBuild¥37.4MShiga168 samples¥48.8MLand¥13.7MBuild¥35MKyoto148 samples¥53.3MLand¥19MBuild¥34.3MOsaka615 samples¥57.9MLand¥23.6MBuild¥34.3MHyogo398 samples¥56.4MLand¥17.8MBuild¥38.5MNara151 samples¥53.2MLand¥15.6MBuild¥37.6MWakayama118 samples¥46.8MLand¥8.9MBuild¥38MTottori11 samples¥47.4MLand¥10.3MBuild¥37.1MShimane4 samples¥45.9MLand¥6.3MBuild¥39.6MOkayama85 samples¥47.1MLand¥10.7MBuild¥36.4MHiroshima76 samples¥50.4MLand¥12MBuild¥38.4MYamaguchi74 samples¥47.5MLand¥9.5MBuild¥38.1MTokushima17 samples¥41.3MLand¥8MBuild¥33.3MKagawa38 samples¥45.9MLand¥9.1MBuild¥36.9MEhime127 samples¥45.6MLand¥10.4MBuild¥35.2MKochi34 samples¥48.2MLand¥10.3MBuild¥37.8MFukuoka457 samples¥52.7MLand¥13.8MBuild¥38.9MSaga72 samples¥44.3MLand¥8.3MBuild¥36.1MNagasaki72 samples¥47.5MLand¥11MBuild¥36.5MKumamoto173 samples¥45.9MLand¥9.6MBuild¥36.3MOita61 samples¥48.8MLand¥11.5MBuild¥37.3MMiyazaki73 samples¥46.6MLand¥8.8MBuild¥37.8MKagoshima163 samples¥43MLand¥9.2MBuild¥33.8MOkinawa33 samples¥60.2MLand¥21MBuild¥39.1M

Source: Japan Housing Finance Agency, FY2025 Flat 35 Borrower Survey. Construction cost is planned cost; land cost may be a planned purchase amount or acquisition price. Registration, taxes and loan fees are not presented as included.

Compare a consistent 30-tsubo model

Thirty tsubo is not the Japanese average; it is a compact hypothetical model used to compare every prefecture under the same conditions. In the FY2025 Flat 35 survey, the national median lot area was about 62 tsubo (206.1 m²) and the average floor area was about 33 tsubo (110.3 m²). This model is separate from the borrower results above and does not determine whether a 30-tsubo building can be built on an individual lot.

PrefectureTotal modelLand and building
Hokkaido176 municipalities · 3771 neighborhoods¥41.1MLand ¥2.9MBuilding ¥34.8M
Aomori35 municipalities · 689 neighborhoods¥37.4MLand ¥1.8MBuilding ¥32.4M
Iwate23 municipalities · 600 neighborhoods¥37.8MLand ¥2.1MBuilding ¥32.4M
Miyagi37 municipalities · 940 neighborhoods¥40.7MLand ¥5.4MBuilding ¥32.1M
Akita23 municipalities · 698 neighborhoods¥39MLand ¥1.4MBuilding ¥34.2M
Yamagata33 municipalities · 877 neighborhoods¥39.2MLand ¥2.3MBuilding ¥33.6M
Fukushima39 municipalities · 974 neighborhoods¥38.7MLand ¥2.4MBuilding ¥33M
Ibaraki44 municipalities · 1900 neighborhoods¥37.9MLand ¥1.6MBuilding ¥33M
Tochigi25 municipalities · 1271 neighborhoods¥38.6MLand ¥2MBuilding ¥33.3M
Gunma34 municipalities · 1129 neighborhoods¥38.8MLand ¥2.2MBuilding ¥33.3M
Saitama72 municipalities · 2407 neighborhoods¥44.8MLand ¥7.8MBuilding ¥33.6M
Chiba59 municipalities · 2228 neighborhoods¥45.8MLand ¥6.9MBuilding ¥35.4M
Tokyo57 municipalities · 1456 neighborhoods¥89.9MLand ¥51MBuilding ¥35.4M
Kanagawa58 municipalities · 1750 neighborhoods¥55.6MLand ¥18.3MBuilding ¥33.9M
Niigata36 municipalities · 2150 neighborhoods¥39.1MLand ¥2.8MBuilding ¥33M
Toyama15 municipalities · 1185 neighborhoods¥37.6MLand ¥2.6MBuilding ¥31.8M
Ishikawa18 municipalities · 1029 neighborhoods¥40.3MLand ¥3.3MBuilding ¥33.6M
Fukui17 municipalities · 828 neighborhoods¥48.8MLand ¥3.6MBuilding ¥41.1M
Yamanashi23 municipalities · 500 neighborhoods¥37.9MLand ¥2.3MBuilding ¥32.4M
Nagano63 municipalities · 1035 neighborhoods¥39.8MLand ¥1.8MBuilding ¥34.5M
Gifu42 municipalities · 1844 neighborhoods¥40.2MLand ¥2.9MBuilding ¥33.9M
Shizuoka39 municipalities · 2059 neighborhoods¥42.7MLand ¥5.4MBuilding ¥33.9M
Aichi64 municipalities · 3932 neighborhoods¥46.6MLand ¥9.3MBuilding ¥33.9M
Mie29 municipalities · 1639 neighborhoods¥39.9MLand ¥1.9MBuilding ¥34.5M
Shiga19 municipalities · 1106 neighborhoods¥39.8MLand ¥4.5MBuilding ¥32.1M
Kyoto30 municipalities · 1796 neighborhoods¥50.7MLand ¥14.7MBuilding ¥32.7M
Osaka72 municipalities · 2798 neighborhoods¥51.1MLand ¥17.1MBuilding ¥30.9M
Hyogo49 municipalities · 2915 neighborhoods¥44.8MLand ¥7.8MBuilding ¥33.6M
Nara38 municipalities · 919 neighborhoods¥42.6MLand ¥6MBuilding ¥33.3M
Wakayama30 municipalities · 817 neighborhoods¥39.4MLand ¥2.4MBuilding ¥33.6M
Tottori19 municipalities · 577 neighborhoods¥42.3MLand ¥2.3MBuilding ¥36.3M
Shimane18 municipalities · 525 neighborhoods¥44.3MLand ¥2MBuilding ¥38.4M
Okayama29 municipalities · 1221 neighborhoods¥40.2MLand ¥3.9MBuilding ¥33M
Hiroshima30 municipalities · 1227 neighborhoods¥44.6MLand ¥6.3MBuilding ¥34.8M
Yamaguchi18 municipalities · 981 neighborhoods¥40.7MLand ¥2.7MBuilding ¥34.5M
Tokushima18 municipalities · 341 neighborhoods¥38MLand ¥3MBuilding ¥31.8M
Kagawa16 municipalities · 474 neighborhoods¥37.7MLand ¥2.4MBuilding ¥32.1M
Ehime19 municipalities · 869 neighborhoods¥40.9MLand ¥3.9MBuilding ¥33.6M
Kochi31 municipalities · 524 neighborhoods¥43.8MLand ¥4.5MBuilding ¥35.7M
Fukuoka71 municipalities · 2428 neighborhoods¥42.5MLand ¥4.5MBuilding ¥34.5M
Saga20 municipalities · 439 neighborhoods¥38MLand ¥2.3MBuilding ¥32.4M
Nagasaki21 municipalities · 986 neighborhoods¥39MLand ¥2.4MBuilding ¥33.3M
Kumamoto44 municipalities · 1091 neighborhoods¥40MLand ¥2.7MBuilding ¥33.9M
Oita17 municipalities · 789 neighborhoods¥40.3MLand ¥3.3MBuilding ¥33.6M
Miyazaki23 municipalities · 554 neighborhoods¥40MLand ¥2.4MBuilding ¥34.2M
Kagoshima38 municipalities · 873 neighborhoods¥37.4MLand ¥1.7MBuilding ¥32.4M
Okinawa40 municipalities · 603 neighborhoods¥46.7MLand ¥5.1MBuilding ¥37.8M
PrefectureTotal modelLand / build
Hokkaido176 municipalities · 3771 neighborhoods¥41.1MLand¥2.9MBuild¥34.8MAomori35 municipalities · 689 neighborhoods¥37.4MLand¥1.8MBuild¥32.4MIwate23 municipalities · 600 neighborhoods¥37.8MLand¥2.1MBuild¥32.4MMiyagi37 municipalities · 940 neighborhoods¥40.7MLand¥5.4MBuild¥32.1MAkita23 municipalities · 698 neighborhoods¥39MLand¥1.4MBuild¥34.2MYamagata33 municipalities · 877 neighborhoods¥39.2MLand¥2.3MBuild¥33.6MFukushima39 municipalities · 974 neighborhoods¥38.7MLand¥2.4MBuild¥33MIbaraki44 municipalities · 1900 neighborhoods¥37.9MLand¥1.6MBuild¥33MTochigi25 municipalities · 1271 neighborhoods¥38.6MLand¥2MBuild¥33.3MGunma34 municipalities · 1129 neighborhoods¥38.8MLand¥2.2MBuild¥33.3MSaitama72 municipalities · 2407 neighborhoods¥44.8MLand¥7.8MBuild¥33.6MChiba59 municipalities · 2228 neighborhoods¥45.8MLand¥6.9MBuild¥35.4MTokyo57 municipalities · 1456 neighborhoods¥89.9MLand¥51MBuild¥35.4MKanagawa58 municipalities · 1750 neighborhoods¥55.6MLand¥18.3MBuild¥33.9MNiigata36 municipalities · 2150 neighborhoods¥39.1MLand¥2.8MBuild¥33MToyama15 municipalities · 1185 neighborhoods¥37.6MLand¥2.6MBuild¥31.8MIshikawa18 municipalities · 1029 neighborhoods¥40.3MLand¥3.3MBuild¥33.6MFukui17 municipalities · 828 neighborhoods¥48.8MLand¥3.6MBuild¥41.1MYamanashi23 municipalities · 500 neighborhoods¥37.9MLand¥2.3MBuild¥32.4MNagano63 municipalities · 1035 neighborhoods¥39.8MLand¥1.8MBuild¥34.5MGifu42 municipalities · 1844 neighborhoods¥40.2MLand¥2.9MBuild¥33.9MShizuoka39 municipalities · 2059 neighborhoods¥42.7MLand¥5.4MBuild¥33.9MAichi64 municipalities · 3932 neighborhoods¥46.6MLand¥9.3MBuild¥33.9MMie29 municipalities · 1639 neighborhoods¥39.9MLand¥1.9MBuild¥34.5MShiga19 municipalities · 1106 neighborhoods¥39.8MLand¥4.5MBuild¥32.1MKyoto30 municipalities · 1796 neighborhoods¥50.7MLand¥14.7MBuild¥32.7MOsaka72 municipalities · 2798 neighborhoods¥51.1MLand¥17.1MBuild¥30.9MHyogo49 municipalities · 2915 neighborhoods¥44.8MLand¥7.8MBuild¥33.6MNara38 municipalities · 919 neighborhoods¥42.6MLand¥6MBuild¥33.3MWakayama30 municipalities · 817 neighborhoods¥39.4MLand¥2.4MBuild¥33.6MTottori19 municipalities · 577 neighborhoods¥42.3MLand¥2.3MBuild¥36.3MShimane18 municipalities · 525 neighborhoods¥44.3MLand¥2MBuild¥38.4MOkayama29 municipalities · 1221 neighborhoods¥40.2MLand¥3.9MBuild¥33MHiroshima30 municipalities · 1227 neighborhoods¥44.6MLand¥6.3MBuild¥34.8MYamaguchi18 municipalities · 981 neighborhoods¥40.7MLand¥2.7MBuild¥34.5MTokushima18 municipalities · 341 neighborhoods¥38MLand¥3MBuild¥31.8MKagawa16 municipalities · 474 neighborhoods¥37.7MLand¥2.4MBuild¥32.1MEhime19 municipalities · 869 neighborhoods¥40.9MLand¥3.9MBuild¥33.6MKochi31 municipalities · 524 neighborhoods¥43.8MLand¥4.5MBuild¥35.7MFukuoka71 municipalities · 2428 neighborhoods¥42.5MLand¥4.5MBuild¥34.5MSaga20 municipalities · 439 neighborhoods¥38MLand¥2.3MBuild¥32.4MNagasaki21 municipalities · 986 neighborhoods¥39MLand¥2.4MBuild¥33.3MKumamoto44 municipalities · 1091 neighborhoods¥40MLand¥2.7MBuild¥33.9MOita17 municipalities · 789 neighborhoods¥40.3MLand¥3.3MBuild¥33.6MMiyazaki23 municipalities · 554 neighborhoods¥40MLand¥2.4MBuild¥34.2MKagoshima38 municipalities · 873 neighborhoods¥37.4MLand¥1.7MBuild¥32.4MOkinawa40 municipalities · 603 neighborhoods¥46.7MLand¥5.1MBuild¥37.8M

This model provisionally adds 10% of construction cost for ancillary costs and is not a quotation.