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This study attempted to determine the social outcomes of learning by examining the relationship between key competency and social capital. A questionnaire was completed by 3,575 participants aged between 20–79 years from various areas in Japan. Items on the questionnaire focused on attributes such as homeownership, education level, income, interactions, and trust. The results indicated that (1) human capital and learning factors (i.e., sense of lifelong learning, key competency) had an effect on fostering social capital, (2) key competency could potentially minimalize the negative relationship between economic conditions and social isolation; and (3) regardless of community, the social outcomes of learning were nearly identical.