Cost of living in Indonesia – single, family & student
This article covers:
- Overview of cost of living in Indonesia
- Do you know?
- A glance at the overall cost of living in Indonesia
- Average cost of living in Indonesia: Single vs Student vs Family
- Tax scenario in Indonesia
- What should be your monthly budget to live in Indonesia?
- What is a good salary in Indonesia?
- Do’s and Don’ts to manage the cost of living in Indonesia
- Top cities in Indonesia
- Before you go…
- FAQs
The monthly cost of living in Indonesia for an individual is IDR 7,394,740, excluding rent, while for a family of four, it is IDR 15,201,274, also excluding rent.
Indonesia is a vibrant Southeast Asian country with alluring natural attractions, unique flora and fauna, and a diverse range of delicious food choices. The lifestyle is appealing, with a cost relatively lower than in many Western countries.
However, estimating the average cost of living in Indonesia for an Indian is not easy. You must consider the differences in regional costs, economic fluctuations, and the strikingly different urban and rural living standards to become financially aware.
That’s where we come to your aid. This comprehensive guide takes you through the various aspects of relocating to Indonesia. It provides details on essential factors that influence living costs in different cities.
Overview of cost of living in Indonesia
- The cost of living in Indonesia for a single person is IDR 9,527,215 per month (with rent) and IDR 7,394,740 per month (without rent).
- The monthly cost of living in Indonesia for a student is IDR 7,274,845 per month (without rent). The estimated rent for a one-room apartment is between IDR 2,783,883 and IDR 10,000,000 per month.
- The average cost of living in Indonesia for a family is IDR 24,549,652 per month (with rent) and IDR 15,201,274 per month (without rent).
Do you know?
- According to data from the Ministry of External Affairs, Government of India, the number of Non-Resident Indians (NRIs) in Indonesia is 14,817.[]
- Indonesia ranks among the top 5 most popular locations worldwide for digital nomads.[]
- The top tech companies offering opportunities in Indonesia include Gojek, Bukalapak, Traveloka, Tokopedia, Ruangguru, Kumpul, Doku, and Zenius Education.[]
A glance at the overall cost of living in Indonesia
Expense Category | Percentage of Total Expenses |
Transportation | 13.3% |
Clothing and Shoes | 3.6% |
Sports and Leisure | 4.6% |
Markets | 39.2% |
Monthly Utilities | 5.4% |
Rent Per Month | 20.7% |
Restaurants | 11.2% |
Buying an apartment | 1.9% |
Source: Numbeo
Average cost of living in Indonesia: Single vs Student vs Family
Type of expense | Avg. Cost per month for a student | Avg. cost per month for singles | Avg. cost per month for a family |
Housing & rent | IDR 4,383,228 | IDR 2,000,000-10,000,000 | IDR 5,000,000-40,000,000 |
Food/groceries | IDR 125,000 | IDR 3,446,706 | IDR 8,681,797 |
Transportation | IDR 146,124 | IDR 684,463 | IDR 1,869,675 |
Utility (electricity, water, heating, etc.) | IDR 922,664 | IDR 510,000-2,125,000 | IDR 2,000,000-8,000,000 |
Source: GoDigit, Livingcost.org
An overview of monthly rents in Indonesia
Expense Category | Item | Avg. cost per month |
Housing | 1-bedroom apartment (in the city centre) | IDR 4,946,620 |
1-bedroom apartment (outside the city centre) | IDR 2,927,598 | |
3-bedroom apartment (in the city centre) | IDR 12,650,000 | |
3-bedroom apartment (outside the city centre) | IDR 7,158,943 |
Source: Numbeo
Cost of living in Indonesia as compared to other cities
Type of expense | Jakarta | Bali | Semarang | Surabaya |
Avg. Monthly Salary (after taxes) | IDR 8,909,410 | IDR 4,844,898 | IDR 3,284,125 | IDR 5,300,123 |
Cost of living (single) | IDR 11,396,891 | IDR 20,598,946 | IDR 8,015,217 | IDR 8,925,668 |
Cost of living (family) | IDR 31,312,999 | IDR 52,659,816 | IDR 21,070,429 | IDR 21,720,751 |
Rent & utilities (single) | IDR 5,576,510 | IDR 13,738,050 | IDR 3,674,318 | IDR 3,983,221 |
Rent & utilities (family) | IDR 13,526,695 | IDR 32,158,418 | IDR 8,941,926 | IDR 7,283,605 |
Food (single) | IDR 3,755,609 | IDR 4,828,640 | IDR 2,926,448 | IDR 3,349,157 |
Food (family) | IDR 9,462,183 | IDR 12,274,826 | IDR 7,364,895 | IDR 8,421,668 |
Transport (single) | IDR 910,450 | IDR 796,644 | IDR 617,805 | IDR 682,838 |
Transport (family) | IDR 2,503,739 | IDR 2,276,126 | IDR 1,690,836 | IDR 1,918,449 |
The overall quality of life | 65/100 | 57/100 | 53/100 | 63/100 |
Source: Livingcost.org (Refer to city-wise pages)
Tax scenario in Indonesia
When estimating the average cost of living in Indonesia, it is essential to factor in taxes. The Indonesian tax system follows a progressive model, where tax rates increase as the taxable amount increases.
Generally, an Indonesian tax resident is required to pay taxes on their worldwide income. However, it is possible to mitigate this by applying the double taxation agreements (DTAs). The Omnibus Law has also introduced a provision for foreigners who have become domestic tax subjects to become tax residents in Indonesia. It ensures that foreigners pay taxes on Indonesian-sourced income only if they fulfil specific skill requirements.
Before relocating to Indonesia, many wonder – Do expats pay state income tax? NRIs in Indonesia get a general WHT (Withholding Tax) of 20% on their Indonesian-sourced income.
You must possess a Tax Identification Number in Indonesia, also known as NPWP Indonesia, to file tax returns and be eligible for state services and benefits. The table below highlights the rates applicable to taxable income.
Individual tax rates
Taxable income | Tax rate (%) |
Up to IDR 60 million | 5 |
Above IDR 60 million to IDR 250 million | 15 |
Above IDR 250 million to IDR 500 million | 25 |
Above IDR 500 million to IDR 5 billion | 30 |
Above IDR 5 billion | 35 |
Source: PWC Worldwide Tax Summaries-Indonesia
Tax on severance payments
Taxable income | Tax rate (%) |
Up to IDR 50 million | 0 |
Above IDR 50 million to IDR 100 million | 5 |
Above IDR 100 million to IDR 500 million | 15 |
Above IDR 500 million | 25 |
Source: PWC Worldwide Tax Summaries-Indonesia
Tax on lump-sum pension payments
Taxable income | Tax rate (%) |
Up to IDR 50 million | 0 |
Above IDR 50 million | 5 |
Source: PWC Worldwide Tax Summaries-Indonesia
Local income taxes
Individual income in Indonesia is not liable to local taxes.
What should be your monthly budget to live in Indonesia?
Category | Student | Single | Family |
Housing/Rent | IDR 2,800,000 – 10,000,000 | IDR 3,000,000 – 10,000,000 | IDR 5,000,000-40,000,000 |
Utilities | IDR 450,000 – 2,000,000 | IDR 510,000 – 2,125,000 | IDR 2,000,000 – 8,000,000 |
Groceries | IDR 3,500,000 – 5,000,000 | IDR 4,000,000 – 6,000,000 | IDR 15,000,000-35,000,000 |
Transportation | IDR 175,000 – 200,000 | IDR 120,000 – 300,000 | IDR 400,000-1,000,000 |
Other (entertainment, shopping, personal care) | IDR 35,000 – 500,000 | IDR 40,000-750,000 | IDR 160,000-3,000,000 |
Total## (approximately) | IDR 6,960,000 – 17,700,000 | IDR 7,670,000 – 19,175,000 | IDR 22,560,000 – 87,000,000 |
##These values are approximate based on an individual’s average living expenses and consumer prices. The accurate budget will vary based on lifestyle, location and individual spending habits.
What is a good salary in Indonesia?
The amount of salary you need to live comfortably in Indonesia depends on several factors, including your location, monthly expenses, lifestyle, and personal choices. However, maintaining a good lifestyle in Indonesia is not too expensive, as the country is Asia’s third cheapest.
The cost of living in Indonesia is cheaper than in 91% of the world’s countries. On average, an individual living in Indonesia requires IDR 7,394,740 per month, whereas a family of four requires IDR 15,201,274. These estimates are exclusive of rent.
The monthly rent range for a one-bedroom apartment is between IDR 3,000,000 and IDR 5,000,000, and for a three-bedroom apartment, between IDR 7,000,000 and IDR 13,000,000.
Based on these monthly estimates, an individual would typically need an annual salary between IDR 11,000,000 and IDR 15,000,000 to live comfortably. Furthermore, a salary range of IDR 23,000,000 to IDR 29,000,000 should be sufficient to keep a family of four comfortably.
Do’s and Don’ts to manage the cost of living in Indonesia
Do’s
- Prioritise local transport.
- Opt for university accommodation instead of a rented apartment to save on rental and transport expenses.
- Bargain at markets.
- Prefer home-cooked meals to reduce meal costs.
- Check out student discounts at various stores.
- Budget your expenses and track them regularly.
- Invest in a used bicycle.
- Buy second-hand goods whenever possible.
- Stay aware of laws and regulations, such as the Anti-Money Laundering Law
- Request internet service providers for various packages to pick one that is budget-friendly and suitable for your needs.
Don’ts
- Overspend on entertainment.
- Rely on taxis.
- Spend money on eating out frequently.
- Engage in impulsive buying.
- Buy health insurance without comparing quotes from different providers.
Top cities in Indonesia
Jakarta
Jakarta offers a fast-paced lifestyle and serves as Indonesia’s economic and political hub. With a growing number of multinational companies, you will find a job vacancy for an expat in Jakarta in the fields of finance, technology, and consulting.
The city is a convenient and vibrant place, thanks to its modern housing, affordability, and diverse dining options.
Average cost of living in Jakarta, Indonesia, per person: IDR 8,384,668 (without rent)
Bali
Bali is an attractive destination for remote workers, creatives and entrepreneurs. It is renowned for its natural beauty, and combines laid-back island living with co-working spaces and international communities. Bali is popular among digital nomads and offers job opportunities for expats.
Average Bali, Indonesia cost of living per person: IDR 10,339,156 (without rent)
Semarang
Semarang is known for its historic significance and industrial growth. As a key port city on Java’s northern coast, it attracts expats in manufacturing, logistics, and infrastructure.
It is a comfortable base for professionals seeking a slower pace without sacrificing opportunities, thanks to its affordable living, local cuisine, and improving infrastructure.
Average cost of living in Semarang, Indonesia, per person: IDR 8,023,670 (without rent)
Surabaya
Surabaya is Indonesia’s second-largest city and a commercial powerhouse. It attracts expats in trade, engineering, and education. With international schools, modern malls, and a strong expat community, Surabaya offers a well-connected urban lifestyle suited to families and career-focused professionals.
Average cost of living in Surabaya, Indonesia: IDR 7,656,421 per person (without rent)
Before you go…
Relocating to Indonesia is a great decision, especially for those seeking cultural diversity, natural beauty and affordability. However, you must analyse your financial situation beforehand. Make sure you evaluate multiple aspects, such as the average monthly cost of living in Indonesia and the expected salary in your chosen field. Estimating these figures can help you plan your finances efficiently.
An essential aspect to consider when relocating to a new destination is deciding on the fund transfer service you will use to send funds to India from Indonesia. Instarem is a reliable and secure provider that offers fast** money transfers across borders. The platform is licensed and regulated in 11 countries, helping you complete hassle-free transactions.
Additionally, Instarem does not charge any hidden fees for international transfers. This ensures that you are aware of your expenses on every transfer. Instarem also offers competitive conversion rates while converting IDR to INR. This affordable#, trusted, and quick** transaction service is available. Download the app or sign up here.
FAQs
Is Indonesia a good place for expats?
Yes. Most expats find it easy to settle in Indonesia. The Indonesian population is generally friendly and especially helpful towards foreign nationals.
How many expats are in Indonesia?
According to a report, Indonesia is home to nearly 350,000 expatriates from across the world. The expat communities and support networks in major areas such as Surabaya, Bali, and Jakarta are well-established.
Can I live in Indonesia permanently?
Yes, it is possible to settle in Indonesia permanently. Foreign nationals, including Indians, must obtain an ITAP card (Kartu Izin Tinggal Tetap) after satisfying specific criteria.
Can you own a house in Indonesia as a foreigner?
No. A foreigner cannot purchase land directly in Indonesia. However, there is a possibility to buy an apartment, house, etc., through leasehold agreements.
How much money do you need to live comfortably in Indonesia?
As an individual, you will need between IDR 11,000,000 and IDR 15,000,000 to live comfortably in Indonesia. As a family, you will require between IDR 23,000,000 and IDR 29,000,000.
Is Indonesia costly for Indians?
Indonesia is one of the cheapest countries for Indian students in Asia. In terms of currency comparison, INR 1 = IDR 190.19. The cost of living in Indonesia in INR is around 37,000 per month (without rent).
Where do most Indians live in Indonesia?
Most Indians reside in urban areas such as Jakarta, Medan, Surabaya, and Banda Aceh. Many also reside in the province of North Sumatra.
What is the average salary in Indonesia?
The average salary in Indonesia is IDR 4,730,069 per month (after taxes). However, it is influenced by factors like education, location, experience, and industry.
Disclaimers:
- This article is intended for informational purposes only. All details are accurate at the time of publishing. Instarem has no affiliation or relationship with the products or vendors mentioned.
- *Quick meaning 75% of our transactions are completed in 15 minutes. Depending on the funding method.
- @ When it comes to affordable exchange rates and fees, it’s worth noting that the cost will vary depending on how you choose to fund your transactions. Credit card funding and bank transfer fees can differ significantly.
- [Note: Salary and cost of living are taken from different websites on 7th June 2025 and are subject to change.]
