Authored by the expert who managed and guided the team behind the Indonesia Property Pack
Everything you need to know before buying real estate is included in our Indonesia Property Pack
If you want to buy a house in Indonesia, one of your first questions is probably "how much does it actually cost?"
The answer depends a lot on where you want to live, whether that's Jakarta, Bali, Surabaya, or somewhere quieter, and we'll break it all down for you in this guide.
We constantly update this blog post to give you the freshest data on the Indonesian housing market.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Indonesia.
Fact-checked and reviewed by our local expert
Daniel Rouquette 🇫🇷
CEO & Co-Founder at Villa Finder
How much do houses cost in Indonesia as of 2026?
What's the median and average house price in Indonesia as of 2026?
As of early 2026, the median house price in Indonesia's main urban markets typically falls between Rp 2.5 billion and Rp 3.5 billion (roughly $150,000 to $210,000 USD or €127,000 to €178,000 EUR), with significant variation depending on the city and neighborhood you're looking at.
The typical price range that covers about 80% of house sales in Indonesia stretches from around Rp 500 million to Rp 6 billion ($30,000 to $360,000 USD or €25,000 to €305,000 EUR), which reflects the huge gap between entry-level homes in smaller cities and family houses in popular metro areas.
The reason the average house price in Indonesia sits higher, around Rp 4 billion to Rp 5.5 billion ($240,000 to $330,000 USD), is because luxury listings in places like South Jakarta and prime Bali pull the mean upward, which tells you that Indonesia's housing market has a long tail of expensive properties at the top.
At the median price point in Indonesia, you can realistically expect a modest family house with 2 to 3 bedrooms on a standard urban plot of around 60 to 120 square meters of land, located in a suburban area or secondary city rather than a prime neighborhood.
What's the cheapest livable house budget in Indonesia as of 2026?
As of early 2026, the minimum budget for a livable house in Indonesia starts around Rp 185 million to Rp 240 million ($11,000 to $14,500 USD or €9,400 to €12,200 EUR), which corresponds to the government's subsidized housing price ceilings for different regions.
At this entry-level price point in Indonesia, "livable" means a small, basic developer-built house, typically around 36 square meters of building area on a compact plot, with simple finishes and essential amenities but nothing fancy.
These cheapest livable houses in Indonesia are usually found in outer suburbs and commuter towns far from city centers, such as the outskirts of Bekasi and Depok near Jakarta, or in smaller cities across Java and Sumatra where subsidized housing projects are more common.
Wondering what you can get? We cover all the buying opportunities at different budget levels in Indonesia here.
How much do 2 and 3-bedroom houses cost in Indonesia as of 2026?
As of early 2026, a typical 2-bedroom or 3-bedroom house in Indonesia's mainstream urban markets costs between Rp 1.5 billion and Rp 4 billion ($90,000 to $240,000 USD or €76,000 to €203,000 EUR), which is the most common range where Indonesian families and foreign buyers shop.
For a 2-bedroom house in Indonesia, you can realistically expect to pay between Rp 1.2 billion and Rp 2.5 billion ($72,000 to $150,000 USD or €61,000 to €127,000 EUR) in suburban areas and secondary cities, while prime locations push this higher.
A 3-bedroom house in Indonesia typically costs between Rp 1.8 billion and Rp 4 billion ($108,000 to $240,000 USD or €91,000 to €203,000 EUR), depending on the neighborhood quality and whether you're in Jakarta, Bali, or Surabaya.
The typical price premium when moving from a 2-bedroom to a 3-bedroom house in Indonesia is around 30% to 50%, mainly because that extra bedroom usually comes with a larger plot of land and better overall finishes.
How much do 4-bedroom houses cost in Indonesia as of 2026?
As of early 2026, a typical 4-bedroom house in Indonesia costs between Rp 3 billion and Rp 8 billion ($180,000 to $480,000 USD or €152,000 to €406,000 EUR), as this size pushes you into better neighborhoods or larger plots of land.
For a 5-bedroom house in Indonesia, the realistic price range stretches from Rp 5 billion to Rp 12 billion ($300,000 to $720,000 USD or €254,000 to €610,000 EUR), with most of these properties falling into the upper-middle or luxury segment of the market.
A 6-bedroom house in Indonesia typically costs between Rp 7 billion and Rp 20 billion ($420,000 to $1.2 million USD or €356,000 to €1 million EUR), and at this level you're looking at multi-generational homes or luxury properties in prestige locations like South Jakarta or prime Bali.
Please note that we give much more detailed data in our pack about the property market in Indonesia.
How much do new-build houses cost in Indonesia as of 2026?
As of early 2026, a typical new-build house in Indonesia costs between Rp 2 billion and Rp 5 billion ($120,000 to $300,000 USD or €102,000 to €254,000 EUR) in mainstream markets, though prices vary widely based on location and developer reputation.
New-build houses in Indonesia typically carry a premium of about 5% to 15% compared to similar older resale houses in the same micro-location, mainly because buyers pay for newer designs, modern specifications, and the convenience of moving into a ready home.
One thing worth knowing is that Indonesia's government is continuing a VAT incentive for eligible new house deliveries in 2026 under PMK 90/2025, which can reduce the effective purchase cost, though this mostly supports demand rather than guaranteeing lower sticker prices.
How much do houses with land cost in Indonesia as of 2026?
As of early 2026, a typical house with land in Indonesia costs between Rp 2 billion and Rp 6 billion ($120,000 to $360,000 USD or €102,000 to €305,000 EUR), though the price depends heavily on how much land comes with the property.
In Indonesia, most houses already include land since standalone houses are the norm, but a "house with land" usually implies a plot of 100 to 200 square meters or larger, compared to the standard urban plot of 60 to 120 square meters.
When you move up to bigger land plots of 200 to 400 square meters in Indonesia, expect to pay roughly 1.5 to 3 times more than a standard-plot house in the same area, because land is the scarce and expensive component in desirable locations.
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Where are houses cheapest and most expensive in Indonesia as of 2026?
Which neighborhoods have the lowest house prices in Indonesia as of 2026?
As of early 2026, the neighborhoods with the lowest house prices in Indonesia are typically found in outer suburbs and commuter belts, such as parts of East Jakarta, Bekasi, Depok, and Tabanan in Bali, as well as smaller cities across Java and Sumatra.
In these cheapest neighborhoods in Indonesia, house prices typically range from Rp 500 million to Rp 1.5 billion ($30,000 to $90,000 USD or €25,000 to €76,000 EUR), making them accessible entry points for budget-conscious buyers.
The main reason these Indonesia neighborhoods have lower house prices is distance from job centers and amenities, combined with factors like flood risk in some Jakarta-area pockets and less developed infrastructure that hasn't caught up with the more established districts.
Which neighborhoods have the highest house prices in Indonesia as of 2026?
As of early 2026, the neighborhoods with the highest house prices in Indonesia are South Jakarta's Menteng, Kebayoran Baru, and Pondok Indah, along with Bali's Badung regency which includes popular expat areas like Canggu, Seminyak, and Jimbaran.
In these most expensive Indonesia neighborhoods, house prices typically range from Rp 6 billion to Rp 30 billion ($360,000 to $1.8 million USD or €305,000 to €1.5 million EUR), with ultra-luxury properties going even higher.
The main reason these Indonesia neighborhoods command premium prices is severe land scarcity in established, well-serviced areas combined with high demand from affluent locals, expats, and investors who prioritize security, international schools, and lifestyle amenities.
The typical buyer in these premium Indonesia neighborhoods is either a wealthy Indonesian family looking for prestige and convenience, or a foreign expat seeking proximity to international schools like Jakarta Intercultural School or British School Jakarta, or a lifestyle-focused buyer drawn to Bali's beach and villa culture.
How much do houses cost near the city center in Indonesia as of 2026?
As of early 2026, a house near Indonesia's city centers costs around Rp 5 billion to Rp 10 billion ($300,000 to $600,000 USD or €254,000 to €508,000 EUR) in areas like Central Jakarta's Menteng, South Jakarta's Senayan, Surabaya Kota, and Denpasar in Bali.
Houses near major transit hubs in Indonesia, such as those close to Surabaya's Stasiun Gubeng (around Rp 5.5 billion or $330,000 USD) or Bali's Terminal Kuta (around Rp 5 billion or $300,000 USD), tend to carry a 20% to 40% premium over comparable properties further from transport links.
Houses near top-rated international schools in Indonesia, such as Jakarta Intercultural School, British School Jakarta, and Green School Bali, typically cost Rp 6 billion to Rp 15 billion ($360,000 to $900,000 USD or €305,000 to €762,000 EUR), as school proximity overlaps with the most expensive residential zones.
Houses in expat-popular areas of Indonesia, specifically Kemang, Pondok Indah, Cipete, and Cilandak in South Jakarta, plus Canggu, Seminyak, Umalas, and Sanur in Bali, range from Rp 5 billion to Rp 20 billion ($300,000 to $1.2 million USD or €254,000 to €1 million EUR) depending on size and exact location.
We actually have an updated expat guide for Indonesia here.
How much do houses cost in the suburbs in Indonesia as of 2026?
As of early 2026, a typical house in Indonesia's suburbs costs between Rp 800 million and Rp 2.5 billion ($48,000 to $150,000 USD or €41,000 to €127,000 EUR), offering significantly more space for the money compared to city-center properties.
The typical price difference between suburban houses and city-center houses in Indonesia is around 50% to 70% lower in the suburbs, which explains why East Jakarta at Rp 2.7 billion median sits so far below South Jakarta's Rp 9.6 billion.
The most popular suburbs for house buyers in Indonesia include Bekasi and Depok in the Jakarta commuter belt, Rungkut in Surabaya for value seekers, and Tabanan in Bali for those wanting more land at lower prices than the coastal Badung areas.
What areas in Indonesia are improving and still affordable as of 2026?
As of early 2026, the top areas in Indonesia that are improving yet still affordable include outer pockets of East Jakarta benefiting from infrastructure upgrades, Tabanan in Bali as the "more land for less money" alternative, and Rungkut in Surabaya which balances price and accessibility.
In these improving but affordable Indonesia areas, house prices currently range from Rp 1 billion to Rp 2.5 billion ($60,000 to $150,000 USD or €51,000 to €127,000 EUR), which is still well below the prime neighborhood medians.
The main sign of improvement driving buyer interest in these Indonesia areas is infrastructure catch-up, particularly new toll roads, rail extensions, and improved flood management in Jakarta's eastern corridors, plus Tabanan's growing appeal as Badung becomes saturated with development.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Indonesia.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Indonesia versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
What extra costs should I budget for a house in Indonesia right now?
What are typical buyer closing costs for houses in Indonesia right now?
House buyers in Indonesia should budget around 6% to 10% of the purchase price for total closing costs, which keeps you covered even if some fees run higher than expected in your specific transaction.
The main closing cost categories in Indonesia include BPHTB (the duty on acquiring land and building rights) which is typically the largest at around 5% of the taxable value, plus notary and deed registration fees of about 1% to 2.5%, and various administrative costs that add up.
The single largest closing cost for house buyers in Indonesia is usually the BPHTB, calculated as 5% multiplied by the property value minus a tax-free threshold that varies by region, with Jakarta's threshold being different from other provinces.
We cover all these costs and what are the strategies to minimize them in our property pack about Indonesia.
How much are property taxes on houses in Indonesia right now?
Annual property tax on a house in Indonesia, called PBB-P2, typically ranges from around Rp 500,000 to Rp 3 million ($30 to $180 USD or €25 to €152 EUR) for modest homes, up to Rp 5 million to Rp 30 million ($300 to $1,800 USD) or more for prime urban properties.
Property tax in Indonesia is calculated by local governments based on the NJOP (tax assessment value of the land and building), with rates constrained by national framework rules but set and collected at the city or regency level, which means the exact amount varies depending on where your house is located.
If you want to go into more details, we also have a page with all the property taxes and fees in Indonesia.
How much is home insurance for a house in Indonesia right now?
Annual home insurance for a house in Indonesia typically costs between Rp 3 million and Rp 12 million ($180 to $720 USD or €152 to €610 EUR) for a property insured at around Rp 3 billion, based on regulated premium rates of roughly 0.1% to 0.3% of the insured value plus any add-ons.
The main factors affecting home insurance premiums in Indonesia include the construction type of your house, the risk zone for natural disasters like earthquakes and floods, and whether you add coverage for extras like earthquake or flood damage which can significantly increase the cost in high-risk areas.
What are typical utility costs for a house in Indonesia right now?
Total monthly utility costs for a house in Indonesia typically range from around Rp 600,000 to Rp 2 million ($36 to $120 USD or €30 to €102 EUR), though heavy air conditioning use or a swimming pool can push this significantly higher.
The main utility costs for houses in Indonesia break down to electricity at around Rp 400,000 to Rp 1.2 million ($24 to $72 USD) per month depending on AC usage, and water at around Rp 100,000 to Rp 500,000 ($6 to $30 USD) per month, plus internet and gas which add smaller amounts.
What are common hidden costs when buying a house in Indonesia right now?
Common hidden costs that house buyers in Indonesia often overlook can add up to Rp 20 million to Rp 100 million ($1,200 to $6,000 USD or €1,000 to €5,000 EUR) or more, depending on the property's condition and what needs fixing after purchase.
Inspection fees in Indonesia typically run from Rp 2 million to Rp 8 million ($120 to $480 USD or €102 to €406 EUR) for a general building inspection, with specialized checks for structural issues, electrical systems, or termites adding another Rp 2 million to Rp 10 million on top.
Other common hidden costs when buying a house in Indonesia include flood mitigation work like pumps or floor raising in certain Jakarta areas, power capacity upgrades if you need more electrical capacity, septic system repairs, waterproofing, termite treatment, and legal document cleanup if there are certificate or permit issues.
The hidden cost that tends to surprise first-time house buyers the most in Indonesia is often the legal and document cleanup, where boundary clarifications, certificate mismatches, or permit issues can cause unexpected delays and expenses that weren't apparent during initial viewings.
You will find here the list of classic mistakes people make when buying a property in Indonesia.
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What do locals and expats say about the market in Indonesia as of 2026?
Do people think houses are overpriced in Indonesia as of 2026?
As of early 2026, sentiment among locals and expats in Indonesia is mixed, with most feeling that houses in prime Jakarta and prime Bali areas are overpriced, while the national market overall doesn't feel like it's in a boom or bubble.
Houses in Indonesia typically stay on the market for about 2 to 4 months in liquid areas with good demand, while higher-priced properties in less active segments can take 4 to 9 months or longer to find a buyer.
The main reason locals and expats feel prime Indonesia house prices are high is because land in desirable, well-serviced neighborhoods is genuinely scarce, while outside those hotspots, prices feel more reasonable relative to what you actually get.
Compared to one or two years ago, sentiment on Indonesia house prices in 2026 is fairly stable, as Bank Indonesia's data shows price growth has been limited and gradual rather than explosive, so buyers don't feel like they're chasing a rapidly rising market.
You'll find our latest property market analysis about Indonesia here.
Are prices still rising or cooling in Indonesia as of 2026?
As of early 2026, house prices in Indonesia are still edging up but at a very slow pace, making this more of a "gradual grind" than a surge, according to the latest available central bank data.
The year-over-year house price change in Indonesia was around 0.84% in Q3 2025, which was actually slightly below the previous quarter, indicating that price growth is modest and even moderating a bit.
Experts and locals expect Indonesia house prices over the next 6 to 12 months to continue on this slow-growth trajectory, with prime areas potentially holding firm or creeping up while less desirable locations may see flat or soft prices depending on local demand.
Finally, please note that we have covered property price trends and forecasts for Indonesia here.
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of Indonesia. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.
What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Indonesia, we always rely on the strongest methodology we can ... and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why it's authoritative | How we used it |
|---|---|---|
| Bank Indonesia SHPR Survey | Indonesia's central bank publishes official national housing price data. | We used this to anchor the macro story on whether prices are rising or cooling. We cross-checked it against listing data to ensure consistency. |
| BPS Statistics Indonesia | Indonesia's official statistics agency provides the national property price index. | We used this as a second benchmark to validate price movement trends. We ensured our micro-level pricing wasn't wildly inconsistent with national data. |
| Rumah123 | Major Indonesian property portal with transparent median price methodology. | We used this for actual price levels and recent listing medians. We treated these as asking prices and reconciled them with official index direction. |
| Cushman & Wakefield | Global real estate consultancy publishing formal market reports. | We used this to cross-check why certain Jakarta submarkets are expensive. We validated the neighborhood price hierarchy with their land cost data. |
| BPK JDIH Law Database | Official government repository for Indonesian national legislation. | We used this to ground the existence and structure of property-related taxes. We explained how these rules play out practically at the local level. |
| Jakarta Revenue Agency (Bapenda) | Jakarta's provincial authority explains BPHTB calculations officially. | We used this to illustrate the BPHTB formula with real examples. We showed how thresholds differ by region and transaction type. |
| Ministry of Public Works (PUPR) | Official ministerial decision on subsidized housing price ceilings. | We used this to define the cheapest formal-market baseline in Indonesia. We compared these caps to real market medians to show the price gap. |
| Ministry of Finance (Kemenkeu) | Official legal repository for the 2026 VAT incentive regulation. | We used this to explain why new-build pricing may look discounted in 2026. We treated it as a policy lever affecting effective purchase costs. |
| OJK Insurance Tariff Annex | Indonesia's financial regulator publishes official insurance rate guidance. | We used this to keep home insurance budgeting within regulated ranges. We translated the tariff bands into practical annual cost estimates. |
| PLN Electricity Tariffs | Indonesia's national electricity provider publishes official rate schedules. | We used this to anchor electricity cost budgeting for households. We calculated typical monthly costs using official per-kWh tariffs. |
| PAM JAYA Water Tariffs | Jakarta's official water utility publishes tiered tariff schedules. | We used this as a concrete example of water pricing in Indonesia. We noted that tariffs differ by city outside Jakarta. |
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