On average, a family of four faces estimated monthly expenses of approximately USD $1,551, while a single individual can expect to spend around USD $454, excluding rent. Income levels in Indonesia vary significantly, with the average after-tax monthly salary hovering around USD $305.

An archipelago stretching across the equator, Indonesia is known for its rich cultural diversity and stunning landscapes, from volcanic mountains to tropical beaches. As the largest economy in Southeast Asia, it offers a unique blend of modern urban life and traditional practices.

We’ll delve into the cost of living in three major cities in Indonesia: Jakarta, Surabaya, and Makassar. You’ll see why expats in Indonesia are better off with international health insurance. All money sums in this article are in United States Dollars, and the data we use are from Numbeo.

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The Cost of Living in Jakarta, Indonesia

For a family of four, the estimated monthly expenses in Jakarta are around $1,768.80, excluding rent. A single person can expect to spend about $518.80 monthly, also excluding rent. The average after-tax monthly salary in Jakarta is approximately $525.02.

The bustling capital of Indonesia, Jakarta is a vibrant city known for its rich culture, diverse population, and rapid urban development. With an estimated population of over 10 million, Jakarta is the economic and political heart of Indonesia.

The Cost of Housing in Jakarta

If you’re considering renting a three-bedroom apartment in the city center, you should anticipate a monthly rent of approximately $1,172. The same type of apartment located outside the city center will cost about $651 per month, considerably lower than in the city center.

Rents in Jakarta can be much lower than in many Western cities, making it attractive for many expats. Below are some typical rents in Jakarta:

• One-bedroom apartment in the city center: $389.36
• One-bedroom apartment outside the center: $237.51
• Three-bedroom apartment in the city center: $1,171.54
• Three-bedroom apartment outside the center: $650.61

Typical costs of utilities and mobile phone plans in Jakarta include:

• Basic utilities (electricity, heating, cooling, water, garbage) for a 915 sq ft apartment: $92.52
• Internet (60 Mbps or more, unlimited data): $27.31
• Mobile phone monthly plan: $6.53

The Costs of Food and Eating Out in Jakarta

A meal at a casual restaurant in Taipei usually costs about $2.9, whereas a meal for two at a mid-range restaurant typically costs around $21.5. Eating out in Jakarta can be quite economical, with a wide range of options available. Below is a summary of some common food prices:

Supermarkets also offer a variety of local and imported goods, making it easy to find essentials for home cooking.

The Cost of Transportation in Jakarta

With a one-way ticket on local public transit selling for $0.21 and the regular price of a monthly pass set at $12.26, transportation in Jakarta is accessible and affordable though traffic congestion is a common challenge. Public transportation costs in Jakarta are as follows:

• One-way ticket on local transport: $0.21
• Monthly pass (regular price): $12.26
• Taxi start (normal tariff): $0.55
• Taxi fare per mile: $0.59

The cost of gasoline is also reasonable at approximately $2.98 per gallon. This makes operating a private vehicle feasible for many residents.

The Costs of Childcare and Schooling in Jakarta

Expats can expect to pay $167 per month for full-day private preschool, or $9,701 per year for international primary schooling for their child. Expensive as these options are, many expat families opt for them so their children will be better able to adapt to the curricula in their home countries.

The Costs of Leisure and Entertainment in Jakarta

Membership at a fitness club in Jakarta typically costs $30.16 per month, and a movie ticket for an international release will set you back by $3.06 on average. Leisure activities are abundant in Jakarta, providing residents with numerous entertainment options.

Although life in Jakarta has its own challenges, this city remains an appealing and affordable destination for both locals and expats seeking a dynamic urban lifestyle.

The Cost of Living in Surabaya, Indonesia

The estimated monthly living costs for a family of four in Surabaya are around $1,614, while a single person can expect to spend approximately $475, excluding rent. The average after-tax monthly salary in Surabaya is about $371.

The capital of East Java, Surabaya is Indonesia’s second-largest city and is a vital commercial hub in the region. Known for its rich history, vibrant culture, and strategic location along the northeastern coast of Java, Surabaya has been a key trading center since the 14th century.

The Cost of Housing in Surabaya

With a typical three-bedroom apartment in the city center renting out for $600 and the same apartment outside the city center renting out for approximately $371, housing costs in Surabaya are relatively affordable compared to many Western cities. Rents in Surabaya are:

• Apartment (1 bedroom) in the city center: Approximately $245
• Apartment (1 bedroom) outside the city center: Around $148
• Apartment (3 bedrooms) in the city center: Roughly $600
• Apartment (3 bedrooms) outside the city center: About $371

In addition to rent, utility costs for an average apartment and mobile phone plan costs are as follows:

• Basic utilities (electricity, heating, cooling, water, garbage): Approximately $82
• Internet (60 Mbps or more, unlimited data): About $20
• Mobile phone monthly plan: Around $5

The cost of living in Surabaya is therefore quite a bit lower than in Jakarta.

The Costs of Food and Eating Out in Surabaya

With a meal at a run-of-the-mill eatery costing about $1.5 and a meal for two people at a mid-range restaurant costing roughly $15.3, food prices in Surabaya are quite low, making it easy to enjoy meals at home and in restaurants. Typical costs for dining out and common grocery items are as follows:

The Cost of Transportation in Surabaya

With a one-way ticket for local transit selling for about $0.43 and the regular price of a monthly pass being set at roughly $9.2, transportation in Surabaya is efficient and budget-friendly. Public transport options are widely available, and the costs are as follows:

• One-way ticket (local transport): Approximately $0.43
• Monthly pass (regular price): About $9.19
• Taxi start (normal tariff): Around $0.46
• Taxi fare per mile: Approximately $0.59

For those who prefer driving, gasoline prices are reasonable as well at about $3.14 per gallon. These transport costs make it easy for residents and expats to get around in the city.

The Costs of Childcare and Schooling in Surabaya

Preschool expenses in Surabaya average around $188 per month for private institutions, and tuition costs for primary education at international schools average approximately $9,375 per year.

The Costs of Leisure and Entertainment in Surabaya

Membership at a fitness club typically costs around $22.67 per month, and the price of movie tickets for international releases is approximately $2.76 in Surabaya.

These affordable costs of everyday items and services make Surabaya an attractive option for both local residents and expats.

The Cost of Living in Makassar, Indonesia

The estimated monthly expenses for a family of four in Makassar average around $800, whereas a single individual might expect to spend about $300. The average after-tax monthly salary in the city is approximately $235.

The capital of South Sulawesi, Makassar is a vibrant city known for its rich cultural heritage, bustling port, and diverse culinary scene. With a population exceeding 1.3 million, it is a crucial economic hub in Indonesia.

The Cost of Housing in Makassar

Expect to spend $429 on renting a three-bedroom apartment in the city center, or $337 on renting the same apartment outside the city center in Makassar. Housing costs in Makassar are very affordable compared to many larger Indonesian cities. Here’s a breakdown of typical rental prices:

• Apartment (1 bedroom) in City Center: $214
• Apartment (1 bedroom) Outside City Center: $165
• Apartment (3 bedrooms) in City Center: $429
• Apartment (3 bedrooms) Outside City Center: $337

Monthly utility costs are also a consideration. Residents in Makassar can expect to pay approximately:

• Electricity, Heating, Cooling, Water, Garbage for a 915 sq ft Apartment: $98
• Internet (60 Mbps or More, Unlimited Data): $32
• Mobile Phone Plan with Calls and 10GB Data: $4

The Costs of Food and Eating Out in Makassar

At roughly $3.1 for a meal at an everyday eatery and around $9.2 for a meal for two at a mid-range restaurant, eating out in Makassar is quite economical. Below is a table summarizing the costs of common meals and food items:

Grocery shopping for essential items is also reasonable, with prices as follows:

• Milk (1 gallon): $6.26
• Loaf of fresh bread (1 lb): $1.00
• Eggs (12): $1.41
• Rice (1 lb): $0.30
• Chicken fillets (1 lb): $1.25

The Cost of Transportation in Makassar

A one-way ticket on local transport typically sells for $0.31 and a monthly local transport pass can be yours for just $4.60 in Makassar. Public transportation in Makassar is inexpensive, and residents often use it. The following costs are typical:

• One-way ticket (local transport): $0.31
• Monthly pass (local transport): $4.60
• Taxi start (normal tariff): $0.55
• Gasoline (1 gallon): $3.02

These transportation expenses make it easy for residents to navigate the city without breaking the bank.

The Costs of Childcare and Schooling in Makassar

The average monthly fee for preschool or kindergarten is about $104 and varies with the institution, and the yearly cost for international primary school is around $4,167, making it relatively affordable for expats who want their children to be able to easily adapt to the system back home.

The Costs of Leisure and Entertainment in Makassar

With a monthly membership at a local fitness club costing typically $23.49 and an international film ticket selling for $3.06 on average, leisure activities in Makassar are reasonably priced, allowing residents to enjoy their free time even without a big paycheck.

The Costs of Healthcare in Indonesia

Visiting your general practitioner in Indonesia will generally cost you somewhere between $10 and $30, and you can expect to pay between $20 and $50 for a specialist consultation. Indonesia’s healthcare system has significantly improved in recent years, though shortages still exist in rural regions.

The Costs of Outpatient Healthcare

You’ll have to pay between $10 and $25 for an x-ray, and between $5 and $20 for a vaccination such as a flu shot in Indonesia. Prices can fluctuate based on the provider and region. Below is a breakdown of common outpatient costs:

The Costs of Prescriptions and Medications

If you have diabetes, you’ll need to spend between $10 and $30 per month on medications, and you can expect to spend $5 to $25 per month on medications to control your blood pressure if you have hypertension.

Prescription and over-the-counter medications can also vary widely in price. The following examples provide insight into typical medication costs:

• Common pain relievers (e.g., paracetamol): $1 – $5
• Antibiotics (e.g., amoxicillin): $5 – $15
• Chronic disease medications (e.g., diabetes): $10 – $30 per month
• Antihypertensive drugs: $5 – $25
• Vitamins and supplements: $5 – $20

The Costs of Inpatient Healthcare

If you are hospitalized in Indonesia, you will be charged between $50 and $150 per day in general. Should you be admitted to the intensive care unit (ICU), you’ll need to shell out between $200 and $500 every day.

Outpatient healthcare is generally affordable in Indonesia, but inpatient healthcare is an entirely different matter. Here’s a summary of typical inpatient costs:

The potentially exorbitant costs of inpatient healthcare is an important reason why many travellers and expats in Indonesia purchase health insurance.

The Costs of Common Surgeries and Medical Procedures

A knee arthroscopy can cost between $2,000 and $5,000, and having a gallbladder removed can easily set you back by between $1,500 and $4,000 in Indonesia.

Surgical procedures can be a significant financial burden. Below are examples of typical costs for various surgeries:

• Appendectomy: $1,000 – $3,000
• Gallbladder removal: $1,500 – $4,000
• C-section delivery: $1,200 – $3,500
• Knee arthroscopy: $2,000 – $5,000
• Hip replacement: $4,000 – $8,000

These costs are not extravagant compared to the costs for similar procedures in many other places around the world, but unless you are properly insured, they can still cause worries and delays, and make it a lot harder to focus on the recovery.

Frequently Asked Questions

How much does international health insurance cost in Indonesia?

Based on data from our Cost of International Health Insurance Report 2024, the average annual premium for international health insurance in Indonesia was $4,734 for individuals and $12,909 for families in 2024.

What is the climate like in Indonesia?

Indonesia has a hot, humid tropical climate with a wet season from November to April and a dry season from May to October. Temperatures generally range from about 23°C (73.4°F) to 30°C (86°F), with higher rainfall in lowland areas and cooler temperatures in mountainous regions.

What health and safety advice should travelers observe in Indonesia?

Travelers should avoid tap water and consume well-cooked foods. To protect against mosquito bites, use insect repellent, wear long sleeves, and sleep in screened or air-conditioned rooms. Also, follow road safety rules, avoid risky areas, and ensure vaccinations are up-to-date.

What number should I call for emergency services in Indonesia?

In Indonesia, call 112 for general emergencies, including police, fire, and medical assistance. This is the nationwide emergency number connecting you to the appropriate service quickly, ensuring prompt help in emergencies.

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Conclusion

The cost of living in Indonesia is generally affordable, especially when compared to many Western countries. Housing, food, and transportation are reasonably priced. Jakarta tends to be more expensive compared to other Indonesian cities, but you can find budget options even here.

If you’re considering moving to or visiting the beautiful country of Indonesia, it’s natural to be excited! But it’s important to make proper health insurance arrangements bearing in mind your health insurance needs and options before you book your flight tickets.

Whether it is travel insurance, expat health insurance, or international health insurance that you decide to secure, Pacific Prime is here to help you! We can tailor a solution serving your needs while fitting your budget. Moreover, our expert advice and support are provided at no extra cost!

So, wait no more, contact us for a consultation, quote, or a FREE plan comparison today!

Still can’t decide which Asian place is perfect for your upcoming adventure? Remember to check out our cost of living guide for Asia or our detailed living costs guides on places like Vietnam and China first!

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Martin Lee

Content Creator at Pacific Prime

Martin is a writer and translator with over 10 years of experience. He writes articles and blog posts, creates infographics and videos, translates between Chinese and English, and more. Skilled at explaining complicated concepts in layman’s terms, Martin believes the gold standard of translation is attained when the translated text is not only accurate, but also reads like an original text. Martin holds a degree in Economics from the University of London, UK.

Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.

In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.

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