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Living in Indonesia: Cost of Living, Healthcare and What to Know About Living in Indonesia | Expat Exchange
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Lunch at the Ragunan Zoo in Jakarta, Indonesia

Living in Indonesia

By Joshua Wood, LPC

Last updated on Jan 01, 2024

Summary: People describe life in Indonesia as vibrant, diverse, and full of opportunity. Expats love the friendly people, the tropical climate, the beautiful beaches, and the low cost of living. The average cost of living for an expat is around $1,000 to $2,000 per month, depending on lifestyle and location. The population of Indonesia is approximately 270 million people, making it the fourth most populous country in the world. The largest cities in Indonesia are Jakarta, Surabaya, Bandung, Medan, and Semarang. The cons of living in Indonesia include the high levels of air pollution, the lack of reliable public transportation, and the prevalence of corruption. Additionally, the cost of living can be higher in some areas, and the healthcare system is not as advanced as in other countries.

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What do I need to know about living in Indonesia?

When we asked people what advice they would give someone preparing to move to Indonesia, they said:

"Don't drink tap water. Eat only at restaurants that are recommended and tested by others. Learn the language. Have patience, therefore one can adapt accordingly. Don't expect too much from the people," explained one expat living in Jakarta, Indonesia.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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How do I meet people in Indonesia?

When we asked people living in Indonesia about club and activities where newcomers can meet others, they responded:

"Travel, Java Lava mt hiking club, BIS PTA, Cub scouts (either British First Kemang or American scouts) and the various artist groups," remarked one expat living in Jakarta, Indonesia.

"Activities - Golf, road trip, Bazaars, Clubs - AWA, BEA, BWA, AWC, PWA (also, huge community of Latinos) and lots more. Whatever nationality they are, they will surely find their own country having their own organizations," wrote one member in Jakarta.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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What is life like in Indonesia?

When we asked people living in Indonesia what life is like and how people spend their time, they said:

"Since it's a muslim country, they prioritize family and praying accordingly. Also, even though it's not their own holiday (i.e. Chinese New Year), they still would like to celebrate such occassion by not working and staying at home," wrote one member in Jakarta.

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Is there a lot of crime in Indonesia?

We asked people if there is a lot of crime. They answered:

"Crime is not uncommon in Indonesia. It is estimated that the actual rate of crime is considerably higher than the reported rate due to a lack of reporting, under-recording of crime and corruption. Petty theft, pickpocketing and opportunistic burglaries are the most frequent complaints, while violent incidents are less common. Idolatry and falsification of documents are relatively frequent in Indonesia, as are fraud and kidnapping," said one expat in Indonesia.

Is there a lot of diversity? Are people in Indonesia accepting of differences?

"Even though it's a Muslim country, Balikpapan and Jakarta are filled with various nationalities. This is basically because employees of foreign companies live here. And, because many people from Asian countries like Japan, Malaysia, Singapore and Hong Kong take their annual holidays here. Accepting differences? If it means culture, no but they are strong to letting other culture/countries know that being a Muslim means being one," commented one expat who made the move to Jakarta.

"Religion is not diverse. It's mostly Muslim among the locals, and aetheism and Christianity among the expats. Their are of coarse plenty of folk beyond that mold though," remarked one expat living in Jakarta, Indonesia.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What are the schools in Indonesia like?

"Sekolah Global Indo-Asia is the only IB World school in Batam, and has a well-deserved reputation for being the best school for international curriculum," commented one expat when asked about Sekolah Global Indo-Asia in Batam.

"This is the only International college in Batam. Lecturers are of expat themselves, so only English language is used for lesson delivery. It canl be a challenge if your child is not proficient in English," remarked one expat living in Batam - Harbour Bay with children attending Raffles Institute of Higher Education, Batam.

"Use the web site www.baisedu.org, it will save you a lot of time and travel. You can sign up your student, send in their records and even pay your bill and all that information is available via the web. I would also advise doing this as early as possible," said one expat in Bandung with children at Bandung Alliance International School.

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Is the cost of living in Indonesia high?

We asked people how much they someone comfortably live on in Indonesia, they wrote:

"The cost of living in Indonesia is considered to be relatively low compared to other countries. Prices for goods and services are often less expensive compared to other countries in the region, making it a great destination for those looking for an affordable place to live. Cost of accommodation, food, and transportation in Indonesia is quite reasonable and it also has some of the lowest cheapest internet prices globally. All in all, Indonesia offers ample opportunities for a comfortable life at a much lower cost than many other countries," remarked one expat who made the move to Indonesia.

"Living in Indonesia can be relatively inexpensive, but it depends on where in the country you live. The places with the highest cost of living are usually the more densely populated cities, such as Jakarta and Bali, due to higher demand for goods and services. Rent for a nice one bedroom apartment can range from around $300 to $650 USD per month, while a nice two bedroom apartment can range from around $450 to $1200 USD per month. Eating out in a moderately priced restaurant costs around $8 to $15 USD per meal," said one expat living in Indonesia.

What type of recreational facilities are in Indonesia?

When we asked people living in Indonesia about recreational activities, they mentioned:

"In Indonesia, residents enjoy a variety of recreational facilities, such as beaches, parks, and waterfalls. There are also many cultural attractions, such as temples, museums, and monuments. For those who enjoy outdoor activities, there are plenty of opportunities for hiking, camping, and bird watching. For those who prefer indoor activities, there are plenty of shopping malls, movie theaters, and bowling alleys. Additionally, there are many restaurants and cafes that offer a variety of local and international cuisine," mentioned one expat inIndonesia.

What is the weather like in Indonesia?

"The climate in Indonesia is tropical and humid, with two distinct monsoon seasons. The wet season runs from October to April, while the dry season runs from May to September. Temperatures remain fairly consistent throughout the year, with the average temperature ranging from 25 to 30 degrees Celsius. Indonesia is also prone to typhoons and other tropical storms during the wet season," remarked one expat in Indonesia.

Are there good restaurants in Indonesia?

"One of Indonesia's most popular restaurants is Warung Sate Klathak Pak Pong in Yogyakarta. Located in the heart of the city, this restaurant serves up delicious sate (skewered meat) and other traditional Indonesian dishes. The restaurant is known for its friendly staff and generous portions. Another popular restaurant in Indonesia is Warung Makan Ibu Andika in Jakarta. This restaurant serves up traditional Indonesian dishes such as nasi goreng (fried rice) and soto ayam (chicken soup). The restaurant is known for its generous portions and friendly staff. In Bali, Warung Made is a popular restaurant that serves up traditional Balinese dishes. The restaurant is known for its delicious food and friendly staff. The restaurant also offers a variety of vegetarian dishes. Finally, Warung Sate Padang in Padang is a popular restaurant that serves up traditional Padang dishes. The restaurant is known for its generous portions and delicious food. The restaurant also offers a variety of vegetarian dishes," said an expat in Indonesia.

Where will I buy groceries and do other shopping in Indonesia?

"People living in Indonesia typically buy groceries and do other shopping at traditional markets, supermarkets, convenience stores, and online stores. Many people also shop at local mom-and-pop stores, which are often family-run businesses. Additionally, some people may purchase items from street vendors or hawkers," said one expat.

What are the visa & residency requirements in Indonesia?

"The process of applying for a visa in Indonesia typically involves submitting a visa application form to an Indonesian embassy or consulate. Other required documents may include passport photographs, payment, as well as a valid passport. Visitors may need to provide evidence of purpose of stay, such as a letter of invitation and proof of sufficient funds. Depending on the purpose of the stay, different types of visa may be available. The process of applying for residency in Indonesia requires the applicant to register a company in Indonesia, or obtain a work permit sponsored by an Indonesian employer. The applicant may also need to obtain a Temporary Stay Permit from an Immigration Office, and apply for an identity card and residency permit from the local Civil Registry Office. Depending on the type of residence permit, additional documents may be required, such as a local police record check and a Health Booklet," commented one expat living in Indonesia.

Are healthcare and health insurance expensive in Indonesia?

"My kids and I all had dengue fever at the same time and were taken very well care of at BIMC, Nusa Dua. I am so pleased we had health insurance because the hospital bill would have cost us a hefty US $2100," wrote one expat living in Bali.

"Healthcare and health insurance in Indonesia can be expensive, depending on the type of care and insurance coverage needed. Generally, basic healthcare services such as doctor visits and vaccinations are relatively affordable, but more specialized treatments and procedures can be costly. Health insurance premiums can also be expensive, especially for comprehensive coverage, but there are government-subsidized health insurance plans available for those who qualify," commented one expat who moved to Indonesia.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

Lunch at the Ragunan Zoo in Jakarta, Indonesia

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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