Cost Of Living For a Single Person in Surabaya 2025

Average monthly spending for a single person or individual in Surabaya

How much money does an individual need in a month to survive in Surabaya?

A single person in Surabaya spends around 16M IDR per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 2.2M IDR or as high as 110M IDR. Location and income are very important factors and have a huge influence on expenditure and budget.

Single person expenditure to income ratio in Surabaya

Analysing the how affordable it is for an individual to live in Surabaya

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. Individuals usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a single individual ranges between 70% to 80%.

Individuals in Surabaya spend around 79% of their monthly income. Some individuals spend as low as 73% of their income while some as high as 88%.

How do individuals spend their money in Surabaya?

We asked thousands of individuals about their spending habits and expenditure break down.

Housing and accomodation expenditure for individuals

Individuals in Surabaya typically spend from 17% to 41% of their total monthly expenditure on housing with 29% being the average. The average monthly spend on housing is 5.7M IDR with expenditure ranging from 800,000 IDR to 38M IDR. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for individuals

Utility expenditure like electricity, water, and gas in Surabaya ranges from 5% to 14% of total expenses with 9% being the average for most individuals. The average monthly cost of utilities is 950,000 IDR with 130,000 IDR and 6.4M IDR being the upper and lower limits for a single person.

Transport, fuel, and commute expenditure for individuals

Fuel consumption and cost of transport depend heavily on whether a single person resides near school and work, but roughly speaking a single person would expect to spend from 180,000 IDR to 8.5M IDR in a month on commuting with 1.3M IDR being the norm for most individuals. This means that money spent on transport constitutes about 4% of total spending on average but can go as low as 2% or as high as 10%.

Food, groceries, and basic shopping expenditure for individuals

The average outlay on groceries and basic houshold items for a typical person in a month in Surabaya is 2.5M IDR. The cost of groceries can range between 360,000 IDR to 17M IDR. Individuals spend on average about 20% on food and groceries with upper and lower bounds of 14% and 25% respectively.

Healthcare and medical services expenditure for individuals

Individuals in Surabaya allocate 7% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 13%. The range of medical expenses range from 200,000 IDR to 9.5M IDR with 1.4M IDR being the norm for most individuals.

Leisure and shopping expenditure for individuals

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 110,000 IDR to 5.3M IDR with 790,000 IDR being the average. Speaking of percentages, that equates to 2% to 5% of total expenses with an average of 2% for most individuals.

Education and schooling expenditure for individuals

Spending on education can vary drastically between different individuals. On average, education constitutes 1% of the monthly expenditure of individuals with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 320,000 IDR per month with 45,000 IDR being the minimum spent amount and 2.1M IDR being the maximum.

What percentage of individuals in Surabaya are able to save money and how much can they save?

Percentage of individuals that reported their ability to save money

Almost 62% of surveyed individuals in Surabaya said that they can save some money at the end of each month while 38% reported that they have to utilize their whole income to survive.

How much money do individuals manage to add to their savings?

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for individuals

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 15% to 34% of their monthly income to their savings, with 24% being the average for most individuals. The average monthly amount of money that individuals can put aside is 5.1M IDR with 560,000 IDR and 34M IDR being the minimum and maximum respectively.

Saving Challenges in Surabaya

Reasons that make it difficult for individuals to save money

We wanted to understand what is stopping people from maximizing their savings in Surabaya. Listed below are the answers given by the survey participants.

Around 4% of the individuals said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 12% 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% of individuals 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. 22% 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. 14% 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.

Typical saving choices for individuals in Surabaya

Where do people choose to put their savings?

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

Affordable living in Surabaya

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Surabaya?

Around 58% of surveyed individuals think that living in Surabaya is affordable with proper budgeting while 42% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Surabaya

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 individuals how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options60%

Few low-cost options40%

Based on the survey, 60% of the individuals living in Surabaya have no problem finding low-cost alternatives to support a frugal lifestyle while 40% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Individuals

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 individuals of Surabaya whether they have an emergency fund and the answers were as follows.

Yes58%

No42%

Based on the survey, 42% of the individuals living in Surabaya said that they don't have an emergency fund while 58% said that they do.

Financial Literacy in Indonesia

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 individuals in Surabaya 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 single people of Indonesia 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%

Financial goals of individuals in Surabaya

In an attempt to understand the economic situation in Surabaya, 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.

Around 9% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 45% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% 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 15% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Debt, loans, and mortgages in Surabaya

Percentage of individuals who are in debt

According to the survey, 27% of the individuals in Surabaya have some kind of debt, loan, mortgage, or credit card payments while 73% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Surabaya

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 31% of a single person's monthly income in Surabaya goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Surabaya pay 60%+ of their income as debt settlement while 20% 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 9% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Surabaya

7% of debtors in Surabaya confirm that real estate mortgages constitutes the main part of their outstanding debt while 31% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 13% of people and personal loans rose at 45%. Lastly, student loans are the main source of debt for 4% of debtors in Surabaya.

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 Surabaya

Besides measuring the loan-to-income ratio, we asked individuals of Surabaya 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.

Housing costs, accommodation, and housing affordability in Surabaya

Rent Cost in Surabaya

Monthly Rent Prices

Studio apartment monthly rent cost

1.9M IDR

2.9M IDR

7.8M IDR

MINIMUM

AVERAGE

MAXIMUM

$120

$180

$490

1-bedroom apartment monthly rent cost

2.9M IDR

4.7M IDR

12M IDR

MINIMUM

AVERAGE

MAXIMUM

$180

$300

$740

2-bedroom apartment monthly rent cost

3.9M IDR

5.8M IDR

16M IDR

MINIMUM

AVERAGE

MAXIMUM

$250

$370

$990

3-bedroom apartment monthly rent cost

4.7M IDR

7.8M IDR

21M IDR

MINIMUM

AVERAGE

MAXIMUM

$300

$490

$1,300

Furnished apartment monthly rent cost

9.3M IDR

23M IDR

47M IDR

MINIMUM

AVERAGE

MAXIMUM

$590

$1,500

$3,000

Townhouse monthly rent cost

7.8M IDR

12M IDR

33M IDR

MINIMUM

AVERAGE

MAXIMUM

$490

$740

$2,100

House monthly rent cost

9.3M IDR

23M IDR

47M IDR

MINIMUM

AVERAGE

MAXIMUM

$590

$1,500

$3,000

Villa monthly rent cost

12M IDR

29M IDR

47M IDR

MINIMUM

AVERAGE

MAXIMUM

$740

$1,800

$3,000

The monthly rental cost of a studio apartment in Surabaya ranges between 1.9M IDR and 7.8M IDR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 2.9M IDR to 12M IDR. Two-bedroom rentals rate ranges between 3.9M IDR and 16M IDR per month. The monthly rental for a three-bedroom apartment ranges from 4.7M IDR to 21M IDR. The average rent of a townhouse in Surabaya is around 12M IDR while house rental costs can be as high as 23M IDR per month. Finally, if you want to rent a villa, expect to pay anywhere from 12M IDR to 47M IDR per month.

Apartment and house prices in Surabaya

Cost of buying a property

Studio apartment price

390M IDR

580M IDR

1,200M IDR

MINIMUM

AVERAGE

MAXIMUM

$25,000

$37,000

$74,000

1-bedroom apartment price

470M IDR

780M IDR

2,900M IDR

MINIMUM

AVERAGE

MAXIMUM

$30,000

$49,000

$180,000

2-bedroom apartment price

780M IDR

2,300M IDR

4,700M IDR

MINIMUM

AVERAGE

MAXIMUM

$49,000

$150,000

$300,000

3-bedroom apartment price

2,600M IDR

3,900M IDR

12,000M IDR

MINIMUM

AVERAGE

MAXIMUM

$160,000

$250,000

$740,000

Townhouse price

3,300M IDR

7,800M IDR

29,000M IDR

MINIMUM

AVERAGE

MAXIMUM

$210,000

$490,000

$1.8M

House price

3,900M IDR

23,000M IDR

33,000M IDR

MINIMUM

AVERAGE

MAXIMUM

$250,000

$1.5M

$2.1M

Villa price

4,700M IDR

26,000M IDR

39,000M IDR

MINIMUM

AVERAGE

MAXIMUM

$300,000

$1.6M

$2.5M

The average price of a studio apartment in Surabaya can range from 390M IDR to 1,200M IDR depending on location. One bedroom cost can be anywhere from 470M IDR to 2,900M IDR. A villa can cost you 26,000M IDR on average with prices ranging from 4,700M IDR to 39,000M IDR.

House / apartment prices to income ratio

Property prices in Surabaya can be x107 to x209 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x107 multiples of the average monthly salary in Surabaya.

Rent to income ratio

The average rent-to-income ratio in Surabaya is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 21% to 41% depending on the salary, location, and type of property.

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.

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.

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 Surabaya

Energy, electricity, water, gas, internet, and mobile cost in Surabaya

Utility Bill Cost / Electricity + Water + Gas / A single person

130,000 IDR

950,000 IDR

6.4M IDR

MINIMUM

AVERAGE

MAXIMUM

$8.5

$61

$400

Internet and cable cost

110,000 IDR

210,000 IDR

290,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$6.8

$14

$18

Mobile phone bill and charges

86,000 IDR

140,000 IDR

430,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$5.5

$9.1

$27

The average monthly energy and water consumption of individuals is around 950,000 IDR. The cost of internet and WiFi ranges from 110,000 IDR to 290,000 IDR with 210,000 IDR being the average internet bill. Finally, the average monthly mobile charges is around 140,000 IDR but can range between 86,000 IDR and 430,000 IDR depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Surabaya is around 6.2%. This means that people pay 6.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.1% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Surabaya

Prices and cost of goods and services in Surabaya

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

21,000 IDR

43,000 IDR

72,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$1.4

$2.7

$4.5

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Surabaya is approximatly 43,000 IDR with meal cost ranging from 21,000 IDR to 72,000 IDR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

75,000 IDR

110,000 IDR

220,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$4.7

$7.1

$14

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 75,000 IDR and 220,000 IDR with 110,000 IDR being the average price of a plate for one person at a regular restaurant in Surabaya.

Fine dining meal for one price

150,000 IDR

220,000 IDR

900,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$9.5

$14

$57

The price range of a meal at fine-dining restaurant is 150,000 IDR to 900,000 IDR with the average cost being 220,000 IDR for one person. This is what you would expect to pay a top-tier diner in Surabaya.

Beverage prices, cappuccino, latte etc..

18,000 IDR

29,000 IDR

43,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.8

$2.7

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Surabaya is around 29,000 IDR. Price ranges between 18,000 IDR and 43,000 IDR depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

14,000 IDR

17,000 IDR

21,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$0.91

$1.1

$1.4

The average price of a large bottle of milk in Surabaya is 17,000 IDR. The maximum what you would pay for milk is 21,000 IDR and the minimum being 14,000 IDR depending on the brand of milk and other properties.

12 eggs price

11,000 IDR

14,000 IDR

21,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$0.68

$0.91

$1.4

A dozen eggs costs around 14,000 IDR on average with 11,000 IDR and 21,000 IDR being the lower and upper limits respectively.

Fresh whole chicken price

24,000 IDR

32,000 IDR

45,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$1.6

$2

$2.8

The price range of a fresh whole chicken in Surabaya is between 24,000 IDR and 45,000 IDR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 32,000 IDR.

Pack of beef price

29,000 IDR

43,000 IDR

86,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.7

$5.5

The price of a regular pack of beef or meat is around 43,000 IDR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

12,000 IDR

16,000 IDR

22,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$0.73

$1

$1.4

A bag of rice in Surabaya costs around 16,000 IDR on average with prices rangeing between 12,000 IDR and 22,000 IDR depending on the brand and quality.

Bag of tomatos price

4,300 IDR

5,700 IDR

11,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$0.27

$0.36

$0.68

A bag of tomatoes costs anywhere from 4,300 IDR to 11,000 IDR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

7,700 IDR

10,000 IDR

17,000 IDR

MINIMUM

AVERAGE

MAXIMUM

$0.49

$0.64

$1

A bag of apples costs 10,000 IDR on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Surabaya is around 27%. This means that individuals spend 27% of their income on grocery and basic household items. The expenditure can range from 19% to 33% depending on salary and location.

Expenditure on food and grocery for individuals