Cost Of Living in Jakarta 2025

Average monthly spending for singles, couples, students, and families in Jakarta
Whether you're living in Jakarta or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.
Average Monthly Expenditure
Currency: IDR

Monthly Expenditure ▶ Single
Currency: IDR

Monthly Expenditure ▶ Couple
Currency: IDR

Monthly Expenditure ▶ Family
Currency: IDR

Monthly Expenditure ▶ Student
Currency: IDR
Prices and cost of goods and services in Jakarta

Dining, food, and beverages costs
Fast food combo meal
26,000 IDR | 53,000 IDR | 88,000 IDR |
Restaurant meal for one
92,000 IDR | 140,000 IDR | 280,000 IDR |
Fine dining meal for one
180,000 IDR | 260,000 IDR | 1.1M IDR |
Cappuccino or latte
23,000 IDR | 36,000 IDR | 54,000 IDR |
Grocery and market costs
Milk large bottle
18,000 IDR | 22,000 IDR | 28,000 IDR |
12 eggs
13,000 IDR | 17,000 IDR | 26,000 IDR |
Fresh whole chicken
31,000 IDR | 41,000 IDR | 58,000 IDR |
Pack of beef
38,000 IDR | 57,000 IDR | 110,000 IDR |
Medium bag of rice
14,000 IDR | 19,000 IDR | 27,000 IDR |
Bag of tomatos
5,300 IDR | 7,100 IDR | 13,000 IDR |
Bag of apples
9,600 IDR | 13,000 IDR | 21,000 IDR |

Commute, travel, and transportation costs
20 minutes taxi ride
23,000 IDR | 28,000 IDR | 55,000 IDR |
Average car full tank
130,000 IDR | 180,000 IDR | 350,000 IDR |
Average car 1-day rental
120,000 IDR | 160,000 IDR | 250,000 IDR |
Average car price
63M IDR | 130M IDR | 170M IDR |
Bus ticket one way
4,200 IDR | 6,300 IDR | 13,000 IDR |
Car Service
170,000 IDR | 260,000 IDR | 520,000 IDR |

Utility cost (monthly)
Utility Bill - Individual
160,000 IDR | 1.1M IDR | 12M IDR |
Utility Bill - Couple
160,000 IDR | 1.2M IDR | 14M IDR |
Utility Bill - Family
310,000 IDR | 1.5M IDR | 15M IDR |
Internet and cable
140,000 IDR | 280,000 IDR | 370,000 IDR |
Mobile phone charges
90,000 IDR | 150,000 IDR | 450,000 IDR |
Leisure and activities costs
Movie ticket
59,000 IDR | 78,000 IDR | 120,000 IDR |
One month gym membership
220,000 IDR | 270,000 IDR | 540,000 IDR |

Cloths and accessories costs
Pair of jeans or pants
160,000 IDR | 230,000 IDR | 350,000 IDR |
Woman dress
160,000 IDR | 220,000 IDR | 710,000 IDR |
Woman shoes
140,000 IDR | 190,000 IDR | 440,000 IDR |
Men's shoes
120,000 IDR | 150,000 IDR | 300,000 IDR |
Men suit
140,000 IDR | 170,000 IDR | 920,000 IDR |
Regular t-shirt
71,000 IDR | 94,000 IDR | 280,000 IDR |

Housing costs / monthly rent
Studio apartment
2.5M IDR | 3.8M IDR | 10M IDR |
1-bedroom apartment
3.9M IDR | 6.2M IDR | 16M IDR |
2-bedroom apartment
Housing costs / Buying
Studio apartment
530M IDR | 800M IDR | 1,600M IDR |
1-bedroom apartment
650M IDR | 1,100M IDR | 4,100M IDR |
2-bedroom apartment
1,000M IDR | 3,000M IDR | 6,100M IDR |
$64,000 | $190,000 | $390,000 |

Furniture Costs
King Size Bed
2.6M IDR | 3.3M IDR | 4.4M IDR |
Double Bed
1.8M IDR | 2.7M IDR | 3.3M IDR |
Single Bed
1.6M IDR | 2.1M IDR | 2.7M IDR |
Living Room
Dining Table
1.3M IDR | 1.7M IDR | 3.3M IDR |
Sofa or Couch
1.8M IDR | 2.4M IDR | 5.4M IDR |

Electronics and House Appliance Costs
TV Set
1.8M IDR | 2.7M IDR | 5.4M IDR |
Fridge or Freezer
1.6M IDR | 2.5M IDR | 3.4M IDR |
Washing Machine
Stove or Cooker
1.9M IDR | 2.4M IDR | 3.3M IDR |
Mobile Phone
2.2M IDR | 2.7M IDR | 3.8M IDR |
Laptop or Computer
2.5M IDR | 3.1M IDR | 5.5M IDR |

Low-cost alternatives in Jakarta
People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:
Plenty of low-cost options58%
Few low-cost options42%
Based on the survey, 58% of the people living in Jakarta have no problem finding low-cost alternatives to support a frugal lifestyle while 42% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.
Expenditure to Income Ratio in Jakarta
One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Spending to Income Ratio
97%
89% to 110%
( expenditure / income ) x 100
Expense to income distribution levels
Spending To Income Ratio | % People |
---|
< 50% | 4% |
50% - 60% | 9% |
60% - 70% | 15% |
70% - 80% | 25% |
80% - 90% | 20% |
90% - 100% | 11% |
100% - 110% | 6% |
110% - 120% | 4% |
120% - 130% | 3% |
130% - 140% | 2% |
> 140% | 2% |
Interpretation and Analysis
The average spending-to-salary ratio in Jakarta is 97%
This means that on average, people spend around 97% of their income for living.
According to the distribution table, 15% of the population spend approximately 60% to 70% of their income every month.
How can spending be more than income?
A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.
Individual
90%
Spending-Income-Ratio
82%
99%
Couple
97%
Spending-Income-Ratio
89%
110%
Family
100%
Spending-Income-Ratio
92%
110%

How do people spend their money in Jakarta?
We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.
The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.
Housing Expenditure23%
23% of total expenses on average (12% to 31%)
LOW | $44 690,000 IDR |
AVERAGE | $440 6.9M IDR |
HIGH | $6,600 100M IDR |
| Per Month |
People living in Jakarta typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 6.9M IDR with expenditure ranging from 690,000 IDR to 100M IDR. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.
Utilities, Electricity, Water, Internet, Mobile8%
8% of total expenses on average (5% to 12%)
LOW | $6.5 100,000 IDR |
AVERAGE | $65 1M IDR |
HIGH | $980 15M IDR |
| Per Month |
Utility expenditure like electricity, water, and gas in Jakarta ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 1M IDR with 100,000 IDR and 15M IDR being the upper and lower limits.
Transport, Fuel, Commute7%
7% of total expenses on average (3% to 11%)
LOW | $14 220,000 IDR |
AVERAGE | $140 2.2M IDR |
HIGH | $2,100 33M IDR |
| Per Month |
Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 220,000 IDR to 33M IDR on commuting with 2.2M IDR being the norm for most people in one month. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 3% or as high as 11%.
Food and Groceries Cost28%
28% of total expenses on average (20% to 34%)
LOW | $34 540,000 IDR |
AVERAGE | $340 5.4M IDR |
HIGH | $5,100 81M IDR |
| Per Month |
The average outlay on groceries in a month in Jakarta is 5.4M IDR. The cost of groceries can range between 540,000 IDR to 81M IDR. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.
Healthcare and Medical Services10%
10% of total expenses on average (5% to 13%)
LOW | $8.5 130,000 IDR |
AVERAGE | $85 1.3M IDR |
HIGH | $1,300 20M IDR |
| Per Month |
People in Jakarta allocate 5% to 13% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 10%. The range of medical expenses range from 130,000 IDR to 20M IDR with 1.3M IDR being the norm.
Leisure and Shopping4%
4% of total expenses on average (2% to 8%)
LOW | $5.5 86,000 IDR |
AVERAGE | $55 860,000 IDR |
HIGH | $820 13M IDR |
| Per Month |
This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 86,000 IDR to 13M IDR with 860,000 IDR being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.
Education and Schooling5%
5% of total expenses on average (3% to 11%)
LOW | $8.2 130,000 IDR |
AVERAGE | $82 1.3M IDR |
HIGH | $1,200 19M IDR |
| Per Month |
Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 1.3M IDR per month with 130,000 IDR being the minimum spent amount and 19M IDR being the maximum.
Other Expenses14%
14% of total expenses on average (9% to 21%)
LOW | $19 290,000 IDR |
AVERAGE | $190 2.9M IDR |
HIGH | $2,800 44M IDR |
| Per Month |

Typical saving choices for people in Jakarta
Where do people choose to put their savings?
Saving Type | % People |
---|
Emergency Funds | 12% |
Gold | 13% |
Savings Accounts | 17% |
Retirement Accounts | 10% |
Cash Savings | 21% |
Real Estate | 9% |
Investment | 5% |
Stocks | 4% |
Bonds | 5% |
Mutual Funds | 2% |
Certificates of Deposit | 3% |

Housing costs, accommodation, and housing affordability in Jakarta
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Jakarta
Monthly Rent Prices
Studio apartment monthly rent cost
2.5M IDR | 3.8M IDR | 10M IDR |
1-bedroom apartment monthly rent cost
3.9M IDR | 6.2M IDR | 16M IDR |
2-bedroom apartment monthly rent cost
3-bedroom apartment monthly rent cost
Furnished apartment monthly rent cost
Townhouse monthly rent cost
House monthly rent cost
Villa monthly rent cost
The monthly rental cost of a studio apartment in Jakarta ranges between 2.5M IDR and 10M IDR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 3.9M IDR to 16M IDR. Two-bedroom rentals rate ranges between 5.3M IDR and 21M IDR per month. The monthly rental for a three-bedroom apartment ranges from 6.5M IDR to 30M IDR. The average rent of a townhouse in Jakarta is around 15M IDR while house rental costs can be as high as 31M IDR per month. Finally, if you want to rent a villa, expect to pay anywhere from 15M IDR to 61M IDR per month.
Apartment and house prices in Jakarta
Cost of buying a property
Studio apartment price
530M IDR | 800M IDR | 1,600M IDR |
1-bedroom apartment price
650M IDR | 1,100M IDR | 4,100M IDR |
2-bedroom apartment price
1,000M IDR | 3,000M IDR | 6,100M IDR |
$64,000 | $190,000 | $390,000 |
3-bedroom apartment price
3,500M IDR | 5,200M IDR | 16,000M IDR |
$220,000 | $330,000 | $990,000 |
Townhouse price
4,600M IDR | 11,000M IDR | 40,000M IDR |
House price
5,500M IDR | 33,000M IDR | 47,000M IDR |
Villa price
6,500M IDR | 36,000M IDR | 54,000M IDR |
The average price of a studio apartment in Jakarta can range from 530M IDR to 1,600M IDR depending on location. One bedroom cost can be anywhere from 650M IDR to 4,100M IDR. A villa can cost you 36,000M IDR on average with prices ranging from 6,500M IDR to 54,000M IDR.
If you're leasing or purchasing, housing costs in Jakarta will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.
House / apartment prices to income ratio
Property price to income ratio
( average property price / average monthly income ) x 100
49 | x140 monthly income | 274 |
Property prices in Jakarta can be x140 to x274 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x140 multiples of the average monthly salary in Jakarta.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Jakarta is around 36%. This means that people pay 36% of their income for rent. Those figures can range from 24% to 48% depending on the salary, location, and type of property.
The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.
Housing affordability index
The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.
Housing Affordability Index
28% Property Taxes
Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.
Home Maintenance Costs
Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.
46,000 IDR | 460,000 IDR | 7M IDR |
Urban vs. rural living costs
Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.
Monthly costs and expenses of energy and basic utilities in Jakarta
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Jakarta
Utility Bill Cost / Electricity + Water + Gas / Individual
160,000 IDR | 1.1M IDR | 12M IDR |
Utility Bill Cost / Electricity + Water + Gas / Couple
160,000 IDR | 1.2M IDR | 14M IDR |
Utility Bill Cost / Electricity + Water + Gas / Family
310,000 IDR | 1.5M IDR | 15M IDR |
Internet and cable cost
140,000 IDR | 280,000 IDR | 370,000 IDR |
Mobile phone bill and charges
90,000 IDR | 150,000 IDR | 450,000 IDR |
Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.
The average monthly expenditure for individuals on electricty, water, and gas in Jakarta ranges between 160,000 IDR and 12M IDR with average being 1.1M IDR, meanwhile the expenditure of couples is slightly higher at 1.2M IDR with 160,000 IDR and 14M IDR being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 1.5M IDR. The cost of internet and WiFi is unchanged among the three groups and ranges from 140,000 IDR to 370,000 IDR with 280,000 IDR being the average internet bill. Finally, the average monthly mobile charges is around 150,000 IDR but can range between 90,000 IDR and 450,000 IDR depending on consumption. Mobile charges include both calling minutes as well as data packages.
Energy / Utility expense to income ratio
( monthly utility expenses / monthly income ) x 100
The average utility-to-income ratio in Jakarta is around 7.1%. This means that people pay 7.1% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.5% to 12% depending on salary and location.

A typical and healthy budgeting structure
The 50/30/20 rule
Spending among different people can vary significantly based on factors such as their income, lifestyle,
location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule,
which suggests allocating your income into three main categories in the following percentages.
50% for needs and financial obligations
This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.
30% for wants and discretionary spending
This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.
20% for savings and emergency fund
This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.
About financial planning, money management, and household budgeting
The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Financial goals of people in Jakarta
In an attempt to understand the economic situation in Jakarta, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.
Financial Goal | % People |
---|
Emergency Fund | 8% |
Debt Reduction | 43% |
Retirement Savings | 10% |
Education Funding | 7% |
Homeownership | 18% |
Investing | 6% |
Travel or Lifestyle | 6% |
Healthcare Expenses | 14% |
Financial Independence | 5% |
Around 8% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 43% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.
Singles
The average monthly expense for a single person living in Jakarta is 21M IDR. Expenses can range from 3M IDR at the minimum level to 240M IDR at the highest end.
Couples
The average monthly spending of couples in Jakarta is 31M IDR. Expenditure can range from 4.8M IDR to 290M IDR per month.
Families
The average cost of living for families in Jakarta is 37M IDR per month. Families spend anywhere from 7.4M IDR to 370M IDR.
Students
The average monthly expenditure for students in Jakarta is 15M IDR. Students spend from 2.3M IDR to 170M IDR per month.
Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.

Affordable living in Jakarta
Income and cost of living compatibility
We asked residents one simple question and recorded their answers.
Is it affordable or economical to live in Jakarta?
Around 56% of surveyed residents think that living in Jakarta is affordable with proper budgeting while 44% reported that it is just too expensive and not affordable even with frugality and thriftness.
Emergency Funds
An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents whether they have an emergency fund and the answers were as follows.
Yes56%
No44%
Based on the survey, 44% of the people living in Jakarta said that they don't have an emergency fund while 56% said that they do.

Financial Literacy in
Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.
Financial Leteracy51%
We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 49% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 51% said that they know about the general principles of personal finance from sources other than their own experience.
Difficulty in Budgeting and Financial Planning
We wanted to understand whether residents of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 39% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 61% said that they have everything under control.
Struggles with finance39%
Easily manages finances61%

Saving Challenges in Jakarta
Reasons that make it difficult for people to save money
We wanted to understand what is stopping people from maximizing their savings in Jakarta. Listed below are the answers given by the survey participants.
Reason | % People |
---|
Low Income | 5% |
High Expenses | 8% |
Debt and Loans | 13% |
Lack of Budgeting Skills | 12% |
Impulsive Spending | 12% |
Financial Emergencies | 7% |
Living the moment | 5% |
Will do it later | 21% |
Inflation | 13% |
Social Pressure | 3% |
Market Instability | 2% |
Around 5% of the people said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 12% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.
Retirement, pension plans, and life after work in Jakarta
What does the retirement lifestyle look like in Jakarta and how much retirement savings are required?
Retirement age
The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.
Retirement planning and savings
There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.
The typical saved amount of money you should have at every age as multiples of monthly salary:Age | Amount |
---|
25 | 5x monthly salary at age 25 |
30 | 10x monthly salary at age 30 |
35 | 15x monthly salary at age 35 |
40 | 25x monthly salary at age 40 |
45 | 32x monthly salary at age 45 |
50 | 48x monthly salary at age 50 |
55 | 56x monthly salary at age 55 |
60 | 64x monthly salary at age 60 |
65 | 78x monthly salary at age 65 |
The typical average saved amount of money you should have at every age in Jakarta:Age | Amount |
---|
25 | 50M IDR |
30 | 100M IDR |
35 | 190M IDR |
40 | 270M IDR |
45 | 380M IDR |
50 | 540M IDR |
55 | 660M IDR |
60 | 840M IDR |
65 | 930M IDR |
Retirement Income Distribution
We asked residents about their retirement income sources and below are the results.
Source | % People |
---|
Pensions | 12% |
Savings | 23% |
Investments | 12% |
Social Security | 7% |
Annuities | 7% |
Part-time Job | 15% |
Real Estate | 18% |
Dividends and Interest | 7% |
Retirement Monthly Expenses in Jakarta 1.7M IDR $110 | 16M IDR $1,000 | 170M IDR $11,000 |

Debt, loans, and mortgages in Jakarta
Percentage of people who are in debt
According to the survey, 26% of the people in Jakarta have some kind of debt, loan, mortgage, or credit card payments while 74% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Jakarta
Debt to income ratio
30%
22% to 39%
( monthly debt payment / monthly income ) x 100
Interpretation
The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 30% of the people's monthly income in Jakarta goes to debt settlement.
Debt levels23>Monthly debt settlement payment as percentage of monthly income
Debt-to-income ratio | % People |
> 60% | 3% |
50% - 60% | 18% |
40% - 50% | 15% |
30% - 40% | 17% |
20% - 30% | 10% |
10% - 20% | 12% |
0% - 10% | 25% |
According to our data, 3% of the debtors in Jakarta pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in Jakarta
Debt | % People |
Real Estate Mortgage | 8% |
Auto Loan | 15% |
Student Loan | 4% |
Credit Card | 30% |
Personal Loan | 43% |
8% of debtors in Jakarta confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 15% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in Jakarta.
About credit score and debt managementManaging debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.
Good debt vs. Bad debt
Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.
Loan Affordability Index in Jakarta
Besides measuring the loan-to-income ratio, we asked residents how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.
Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.
Frequency | % People |
Never | 50% |
Once a year | 24% |
Twice a year | 13% |
Three times a year | 9% |
Four times a year | 4% |
Food Prices, Dining Expenses, and Grocery Costs in Jakarta
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Jakarta
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
26,000 IDR | 53,000 IDR | 88,000 IDR |
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Jakarta is approximatly 53,000 IDR with meal cost ranging from 26,000 IDR to 88,000 IDR. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
92,000 IDR | 140,000 IDR | 280,000 IDR |
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 92,000 IDR and 280,000 IDR with 140,000 IDR being the average price of a plate for one person at a regular restaurant in Jakarta.
Fine dining meal for one price
180,000 IDR | 260,000 IDR | 1.1M IDR |
The price range of a meal at fine-dining restaurant is 180,000 IDR to 1.1M IDR with the average cost being 260,000 IDR for one person. This is what you would expect to pay a top-tier diner in Jakarta.
Beverage prices, cappuccino, latte etc..
23,000 IDR | 36,000 IDR | 54,000 IDR |
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Jakarta is around 36,000 IDR. Price ranges between 23,000 IDR and 54,000 IDR depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
18,000 IDR | 22,000 IDR | 28,000 IDR |
The average price of a large bottle of milk in Jakarta is 22,000 IDR. The maximum what you would pay for milk is 28,000 IDR and the minimum being 18,000 IDR depending on the brand of milk and other properties.
12 eggs price
13,000 IDR | 17,000 IDR | 26,000 IDR |
A dozen eggs costs around 17,000 IDR on average with 13,000 IDR and 26,000 IDR being the lower and upper limits respectively.
Fresh whole chicken price
31,000 IDR | 41,000 IDR | 58,000 IDR |
The price range of a fresh whole chicken in Jakarta is between 31,000 IDR and 58,000 IDR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 41,000 IDR.
Pack of beef price
38,000 IDR | 57,000 IDR | 110,000 IDR |
The price of a regular pack of beef or meat is around 57,000 IDR. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
14,000 IDR | 19,000 IDR | 27,000 IDR |
A bag of rice in Jakarta costs around 19,000 IDR on average with prices rangeing between 14,000 IDR and 27,000 IDR depending on the brand and quality.
Bag of tomatos price
5,300 IDR | 7,100 IDR | 13,000 IDR |
A bag of tomatoes costs anywhere from 5,300 IDR to 13,000 IDR. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
9,600 IDR | 13,000 IDR | 21,000 IDR |
A bag of apples costs 13,000 IDR on average. A bag of apples denotes 1Kg or 1lb depending on location.
Grocery and food expenditure to income ratio
( monthly grocery expenses / monthly income ) x 100
The average grocery-to-income ratio in Jakarta is around 30%. This means that people spend 30% of their income on grocery and basic household items. The expenditure can range from 21% to 37% depending on salary and location.
Expenditure on food and grocery for every population group
A single person living alone spends approximately 3.1M IDR per month on grocery and food with expenditure fluctuating between 430,000 IDR and 34M IDR depending on location and the type of person. The average cost of food and groceries for a couple is around 3.9M IDR per month. That number can be get as low as 600,000 IDR or a high as 36M IDR. Families' spending on grocery ranges from 1.2M IDR to 58M IDR with the location, income, and size of the family being the most determinite factors.

How much money can you save in Jakarta every month?
We asked thousands of people what percentage of their income can they save in a month. Below are the answers.
What percentage of people in Jakarta manage to save money from their income every month?
Almost 67% of the surveyed people in Jakarta said that they can save some money at the end of each month while 33% said that aren't saving anything.
Percentage of people saving money by population group in Jakarta
Group | Savers | Non Savers |
---|
Singles | 67% | 33% |
Couples | 65% | 35% |
Families | 56% | 44% |
Savings-to-Income Ratio
The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.

Saving to Income Ratio
Average Monthly Saved Amount
790,000 IDR $50 | 7.9M IDR $500 | 120M IDR $7,500 |
For most people, 13% to 36% of their monthly income is what they can allocate to their savings, with 22% being the average. The amount of money that people can save is approximately 7.9M IDR on average with savings ranging from 790,000 IDR to 120M IDR.
67% of surveyed singles reported some of their income going to savings while 65% of couples said the same. 56% of families confirmed their ability to save money.
How much money do people actually save in Jakarta?
The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.
Singles
Saving to Income Ratio
Average Monthly Saved Amount
750,000 IDR $48 | 6.8M IDR $430 | 75M IDR $4,800 |
Savings to income distribution levels for singles
Saving To Income Ratio | % Singles |
---|
0% - 10% | 32% |
10% - 20% | 25% |
20% - 30% | 16% |
30% - 40% | 13% |
40% - 50% | 10% |
> 50% | 4% |
Interpretation and Analysis
Singles who can afford to save reported that they allocate from 16% to 39% of their monthly income to savings, with 27% being the average for most singles. The average amount of money that singles are able to save is 6.8M IDR with 750,000 IDR and 75M IDR being the minimum and maximum respectively.
Couples
Saving to Income Ratio
Average Monthly Saved Amount
1.5M IDR $98 | 10M IDR $640 | 93M IDR $5,900 |
Savings to income distribution levels for couples
Saving To Income Ratio | % Couples |
---|
0% - 10% | 36% |
10% - 20% | 27% |
20% - 30% | 19% |
30% - 40% | 8% |
40% - 50% | 7% |
> 50% | 3% |
Interpretation and Analysis
Couples who confirmed their ability to save reported saving equivalent to 14% to 39% of their monthly income, with 25% being the average for most couples. The average amount of money that couples can save is 10M IDR with 1.5M IDR and 93M IDR being the minimum and maximum respectively.
Families
Saving to Income Ratio
Average Monthly Saved Amount
2.4M IDR $150 | 12M IDR $750 | 120M IDR $7,500 |
Savings to income distribution levels for families
Saving To Income Ratio | % Families |
---|
0% - 10% | 39% |
10% - 20% | 30% |
20% - 30% | 20% |
30% - 40% | 5% |
40% - 50% | 4% |
> 50% | 2% |
Interpretation and Analysis
Families in Jakarta can save anywhere between 11% to 33% of their monthly income, with 20% being the average for most families. The average amount of money that families can put aside is 12M IDR with 2.4M IDR and 120M IDR being the minimum and maximum respectively.
Cost of living comparison by city
#1 Surakarta
The average cost of living in Surakarta is 13M IDR, which is 43% less than the country average. Surakarta is ranked first in Indonesia in terms of expendenture and cost of living.
#2 Malang
The average cost of living in Malang is 14M IDR, which is 39% less than the country average. Malang is ranked second in Indonesia in terms of expendenture and cost of living.
#3 Makasar
The average cost of living in Makasar is 15M IDR, which is 35% less than the country average. Makasar is ranked third in Indonesia in terms of expendenture and cost of living.
#4 Semarang
The average cost of living in Semarang is 16M IDR, which is 30% less than the country average. Semarang is ranked fourth in Indonesia in terms of expendenture and cost of living.
#5 Palembang
The average cost of living in Palembang is 17M IDR, which is 26% less than the country average. Palembang is ranked fifth in Indonesia in terms of expendenture and cost of living.
#6 Tangerang
The average cost of living in Tangerang is 18M IDR, which is 22% less than the country average. Tangerang is ranked sixth in Indonesia in terms of expendenture and cost of living.
#7 Medan
The average cost of living in Medan is 19M IDR, which is 17% less than the country average. Medan is ranked seventh in Indonesia in terms of expendenture and cost of living.
#8 Bandung
The average cost of living in Bandung is 21M IDR, which is 8.7% less than the country average. Bandung is ranked eighth in Indonesia in terms of expendenture and cost of living.
#9 Surabaya
The average cost of living in Surabaya is 22M IDR, which is 4.3% less than the country average. Surabaya is ranked ninth in Indonesia in terms of expendenture and cost of living.
#10 Jakarta
The average cost of living in Jakarta is 23M IDR, which is same as the country average. Jakarta is ranked tenth in Indonesia in terms of expendenture and cost of living.
Published: September 6, 2024 Last Update: May 20, 2025