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're a foreigner thinking about buying property in Indonesia, this guide breaks down exactly what you can afford at every budget level in 2026.
We'll cover current housing prices in Indonesia, from $100k starter budgets all the way to luxury territory, and we constantly update this blog post to reflect the latest market data.
You'll also learn about the legal minimum prices foreigners must meet, which is one of the biggest surprises for international buyers.
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
What can I realistically buy with $100k in Indonesia right now?
Are there any decent properties for $100k in Indonesia, or is it all scams?
For $100,000 (around IDR 1.68 billion at early 2026 exchange rates), you can find decent properties in Indonesia, but here's the catch: in Jakarta and Bali, this budget falls below the legal minimum purchase price that foreigners must meet, so your options are either leasehold arrangements or apartments in less popular provinces where the minimum is IDR 1.0 billion.
The best value and most legitimate options for foreign buyers with a $100k budget in Indonesia are found in the Greater Jakarta commuter belt (Bekasi, Depok, parts of Tangerang) or secondary cities like Makassar and Manado, though inventory is thinner and less international-buyer-friendly in these areas.
Buying in popular areas like central Jakarta or Seminyak in Bali is not possible for foreigners at $100k because Jakarta's foreign minimum for apartments is IDR 3.0 billion (about $178,000) and Bali's minimum is IDR 2.0 billion (about $119,000), but you can access these areas through leasehold (hak sewa) arrangements instead.
What property types can I afford for $100k in Indonesia (studio, land, old house)?
At the $100k level (IDR 1.68 billion) in Indonesia, your realistic options include leasehold villas or apartments in Bali, small apartments in secondary Indonesian cities where the foreign minimum is lower, or studio to one-bedroom units in Jakarta's outer commuter zones like Bekasi or East Jakarta if you're working within local structures.
For condition level, buyers should expect older stock or basic finishes at this price point in Indonesia, and if you're looking at tropical areas like Bali or coastal regions, you should budget an extra 10% to 20% of purchase price for renovation because humidity, roofing issues, and termite damage are common concerns.
When it comes to long-term value at the $100k level in Indonesia, leasehold properties in established Bali areas like Sanur or the outer edges of Canggu tend to offer the most practical combination of lifestyle appeal and rental income potential, even though you won't own the land outright.
What's a realistic budget to get a comfortable property in Indonesia as of 2026?
As of early 2026, the realistic minimum budget for a foreign buyer to get a comfortable property in Indonesia is around $200,000 (IDR 3.37 billion, or approximately EUR 185,000), because this is the first threshold that clears the legal foreign minimum in both Jakarta and Bali.
Most foreign buyers in Indonesia need between $200,000 and $400,000 (IDR 3.4 billion to IDR 6.7 billion, or EUR 185,000 to EUR 370,000) to reach a comfortable standard, with the higher end of that range giving you access to better locations and newer buildings.
In Indonesia, "comfortable" generally means a well-maintained apartment of 60 to 100 square meters in a decent neighborhood with good security, reliable water and electricity, air conditioning, and access to amenities like parking or a pool, which is typical in mid-range Jakarta developments or quality Bali villa compounds.
Budget requirements can vary dramatically depending on neighborhood in Indonesia: prime Jakarta areas like the CBD or South Jakarta require at least $250,000 to $300,000 for comfort, while Greater Jakarta suburbs like BSD City or Bintaro offer similar comfort levels for $150,000 to $200,000.
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What can I get with a $200k budget in Indonesia as of 2026?
What "normal" homes become available at $200k in Indonesia as of 2026?
As of early 2026, the typical "normal" home that becomes available at the $200,000 price point (IDR 3.37 billion) in Indonesia is a mid-range apartment in Jakarta or Bali that you can legally purchase as a foreigner, since this budget clears the IDR 3.0 billion minimum for Jakarta apartments and comfortably exceeds Bali's IDR 2.0 billion threshold.
For that budget in Indonesia, you can typically expect around 60 to 85 square meters (650 to 915 square feet) in desirable South Jakarta neighborhoods, or around 110 to 125 square meters in non-prime Jakarta areas, giving you a proper one-bedroom or small two-bedroom apartment depending on location.
By the way, we have much more granular data about housing prices in our property pack about Indonesia.
What places are the smartest $200k buys in Indonesia as of 2026?
As of early 2026, the smartest neighborhoods to buy at $200,000 (IDR 3.37 billion) in Indonesia include South Jakarta areas like Cipete, Fatmawati, and parts of Kebayoran Lama, as well as transit-connected East Jakarta pockets along the Cawang and MT Haryono corridor, and in Bali, the steadier markets of Sanur and Jimbaran.
These areas are smarter buys compared to other $200k options in Indonesia because they offer better value per square meter than flashy CBD towers, have established infrastructure and services, and attract consistent local demand rather than relying purely on speculative foreign interest.
The main growth factor driving value in these smart-buy areas of Indonesia is infrastructure improvement, particularly the expansion of Jakarta's MRT and LRT systems which has made transit-adjacent neighborhoods increasingly desirable for both Indonesian and international buyers seeking connectivity without paying CBD premiums.
We have made this infographic to give you a quick and clear snapshot of the property market in Indonesia. It highlights key facts like rental prices, yields, and property costs both in city centers and outside, so you can easily compare opportunities. We’ve done some research and also included useful insights about the country’s economy, like GDP, population, and interest rates, to help you understand the bigger picture.
What can I buy with $300k in Indonesia in 2026?
What quality upgrade do I get at $300k in Indonesia in 2026?
As of early 2026, the quality upgrade buyers get when moving from $200k to $300k (IDR 5.05 billion) in Indonesia is significant: you can now technically qualify for a landed house in Jakarta (the foreign minimum is IDR 5.0 billion), access newer apartment stock in prime areas, or secure a high-quality leasehold villa in popular Bali neighborhoods.
Yes, $300k can definitely buy a property in a newer building in Indonesia right now, particularly in South Jakarta where you can get well-maintained or recently built apartments, or in Greater Jakarta's master-planned communities like BSD City or Bintaro Jaya where newer family-oriented developments are common.
At this budget in Indonesia, specific features that become available include higher-floor units with better views, upgraded kitchens and bathrooms, buildings with full amenities like pools and gyms, better parking options, and in Bali, villas with private pools and more generous land sizes.
Can $300k buy a 2-bedroom in Indonesia in 2026 in good areas?
As of early 2026, finding a 2-bedroom property for $300,000 (IDR 5.05 billion) in good areas of Indonesia is very achievable, and in fact this budget often gives you comfortable choices in desirable Jakarta neighborhoods rather than forcing you to compromise on location or size.
Specific good areas in Indonesia where $300k buys a 2-bedroom include Kemang, Cipete, and the TB Simatupang corridor in South Jakarta, as well as Kuningan and Setiabudi in central Jakarta (in older but well-located towers), and in Greater Jakarta, the family-friendly planned communities of Bintaro Jaya, BSD City, and Alam Sutera.
A $300k 2-bedroom in Indonesia typically offers 80 to 120 square meters (860 to 1,290 square feet) in South Jakarta submarkets, or around 95 square meters in CBD buildings, which translates to proper living spaces with separate bedrooms, a real living area, and often a balcony or study nook.
Which places become "accessible" at $300k in Indonesia as of 2026?
At $300,000 (IDR 5.05 billion) in Indonesia, the neighborhoods that become accessible include Jakarta's more prestigious addresses like Kemang, Senopati-adjacent areas, Pondok Labu, and select pockets of Kuningan and Setiabudi, as well as premium positions in Greater Jakarta communities like central BSD City and Alam Sutera.
What makes these newly accessible areas desirable in Indonesia compared to lower-budget options is their combination of established expat communities, better international schools nearby, more sophisticated dining and retail, tree-lined streets, and stronger security infrastructure, which is particularly valued by foreign buyers and families.
For $300k in these newly accessible Indonesia neighborhoods, buyers can typically expect either a solid 2-bedroom apartment in a well-managed building with amenities, or in Greater Jakarta suburbs, a townhouse-style property with parking and some outdoor space for family living.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Indonesia.
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What does a $500k budget unlock in Indonesia in 2026?
What's the typical size and location for $500k in Indonesia in 2026?
As of early 2026, a $500,000 property (IDR 8.42 billion) in Indonesia typically gets you either a prime-location apartment of 80 to 140 square meters (860 to 1,500 square feet) in desirable Jakarta areas, or significantly more space in Greater Jakarta's planned communities where land values are lower and family-sized homes with gardens become standard.
Yes, $500k can buy a family home with outdoor space in Indonesia, though in Jakarta proper this usually means smaller land or older houses in top neighborhoods, while in Greater Jakarta suburbs like BSD City, Bintaro, Alam Sutera, or Sentul, outdoor space and gardens are much more commonly available at this price.
At $500k in Indonesia, the typical property offers 3 bedrooms and 2 bathrooms in most Jakarta apartments or Greater Jakarta landed homes, with premium locations sometimes offering 2-bedroom units with better finishes and views, or 4-bedroom family houses in suburban developments.
Finally, please note that we cover all the housing price data in Indonesia here.
Which "premium" neighborhoods open up at $500k in Indonesia in 2026?
At $500,000 (IDR 8.42 billion) in Indonesia, the premium neighborhoods that open up include Pondok Indah (edge opportunities), Menteng (usually condos), the Senayan and Sudirman corridor towers, Senopati, and SCBD-adjacent buildings in Jakarta, plus in Bali, lifestyle destinations like Seminyak, Canggu core, Pererenan, Uluwatu cliff zones, and select Nusa Dua enclaves.
What makes these neighborhoods premium in Indonesia is their combination of established prestige, proximity to top international schools and business districts, high security standards, mature landscaping and tree coverage, and in Bali's case, ocean access or iconic rice-field views that command consistent lifestyle demand.
For $500k in these premium Indonesia neighborhoods, buyers can realistically expect a well-finished 2-bedroom apartment in a high-end Jakarta tower with full amenities, or in Bali, a quality leasehold villa with a private pool in a sought-after location, though brand-new construction in the hottest pockets may still exceed this budget.
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 counts as "luxury" in Indonesia in 2026?
At what amount does "luxury" start in Indonesia right now?
In Indonesia, properties start being considered luxury at around IDR 10 billion ($600,000 or approximately EUR 555,000) for apartments, while true luxury landed homes in elite Jakarta enclaves typically start at IDR 20 billion ($1.2 million or EUR 1.1 million) because land value dominates at that level.
The entry point to luxury real estate in Indonesia is defined by full-service buildings with 24-hour concierge, high-end imported finishes, premium addresses in established neighborhoods like SCBD or Menteng, generous unit sizes above 150 square meters, and in Bali, direct ocean or cliff access with private pool villas.
Indonesia's luxury threshold is considerably lower than Singapore or Hong Kong where luxury starts well above $2 million, but roughly comparable to markets like Kuala Lumpur or Bangkok, making Indonesia relatively accessible for international buyers seeking premium Asian property.
The typical price range for mid-tier luxury in Indonesia is IDR 10 to 20 billion ($600,000 to $1.2 million, or EUR 555,000 to EUR 1.1 million), while top-tier luxury properties in the most exclusive Jakarta landed enclaves or Bali oceanfront villas range from IDR 30 to 100 billion ($1.8 million to $6 million, or EUR 1.7 million to EUR 5.5 million).
Which areas are truly high-end in Indonesia right now?
The truly high-end neighborhoods in Indonesia right now are Menteng, SCBD/Senopati, the Sudirman-Thamrin premium tower corridor, Pondok Indah, and Kuningan/Setiabudi's top pockets in Jakarta, and in Bali, the prime lanes of Seminyak, Canggu core and Pererenan, Uluwatu's cliff and ocean-access areas, and Nusa Dua's resort-style premium zones.
What makes these areas truly high-end in Indonesia is their scarcity value: Menteng's colonial-era tree-lined streets cannot be replicated, SCBD's proximity to top corporate headquarters is unmatched, Pondok Indah has the best international schools, and Bali's Uluwatu cliffs offer irreplaceable ocean views that international buyers compete for.
The typical buyer profile for these high-end Indonesia areas includes Indonesian conglomerate families and senior executives who have historically dominated Jakarta's landed elite neighborhoods, plus increasingly, international entrepreneurs, tech founders, and remote-work professionals who are drawn to Bali's premium lifestyle properties.
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How much does it really cost to buy, beyond the price, in Indonesia in 2026?
What are the total closing costs in Indonesia in 2026 as a percentage?
As of early 2026, the total closing costs in Indonesia typically range from 6% to 10% of the purchase price for resale properties, and 3% to 8% for new builds from developers, with the variation depending on VAT treatment and whether the 2026 government-borne VAT incentive applies to your purchase.
The realistic range that covers most standard Indonesia property transactions is 5% to 8%, which accounts for most buyer scenarios whether you're purchasing from a developer with VAT relief or buying a resale unit where the full transfer tax applies.
The specific fee categories that make up this total in Indonesia include BPHTB (the property acquisition tax, typically 5% of assessed value above a threshold), notary and PPAT fees (1% to 2.5%), VAT on new builds (11% unless incentivized), and administrative costs for registration and legal processing.
To avoid hidden costs and bad surprises, you can check our our pack covering the property buying process in Indonesia.
How much are notary, registration, and legal fees in Indonesia in 2026?
As of early 2026, notary, registration, and legal fees in Indonesia typically total between IDR 17 million and IDR 85 million ($1,000 to $5,000, or EUR 925 to EUR 4,600) for a standard residential transaction, though this varies based on property value and complexity.
These fees typically represent 1% to 2.5% of the property price in Indonesia, with most transactions falling around 1.5% when you combine notary fees, PPAT (land deed official) charges, and administrative registration costs.
Of the three fee types, legal and notary fees are usually the most expensive component in Indonesia because the notary/PPAT handles the critical deed transfer work and title verification, while pure registration fees paid to land offices are relatively modest by comparison.
What annual property taxes should I expect in Indonesia in 2026?
As of early 2026, the annual property tax (PBB) for a typical residential property in Indonesia is quite low, generally ranging from IDR 500,000 to IDR 5 million ($30 to $300, or EUR 28 to EUR 275) for standard apartments and houses, with luxury properties paying more.
Annual property taxes in Indonesia typically represent only 0.05% to 0.3% of the assessed property value, which is significantly lower than property tax rates in Western countries like the United States or United Kingdom.
Property taxes in Indonesia vary based on location and property type, with Jakarta properties generally assessed higher than those in secondary cities, and landed homes on larger plots paying more than apartments because land value drives the assessment formula.
There are exemptions and reductions available in Indonesia, including lower rates for owner-occupied primary residences compared to investment properties, and some regional governments offer discounts for early payment or for properties below certain value thresholds.
You can find the list of all property taxes, costs and fees when buying in Indonesia here.
Is mortgage a viable option for foreigners in Indonesia right now?
Getting a mortgage as a foreigner in Indonesia is possible but not automatic, with viability depending heavily on whether you have Indonesian residency (KITAS/KITAP), local income documentation, and a relationship with a bank that accepts foreign borrowers.
For foreigners who do qualify, Indonesian banks typically offer loan-to-value ratios of 60% to 80% under Bank Indonesia's macroprudential rules, with interest rates generally ranging from 8% to 12% per year, which is higher than rates in many Western markets.
To qualify for a mortgage in Indonesia, foreign buyers typically need valid residency permits, proof of income (preferably Indonesian-sourced), tax identification numbers (NPWP), employment contracts or business ownership documentation, and often a minimum down payment of 20% to 40% depending on the bank's policy.
In practice, many foreign buyers in Indonesia choose to either pay cash, arrange offshore financing through banks in their home country, or only pursue local mortgages if they have strong Indonesia-based income and established banking relationships.
We made this infographic to show you how property prices in Indonesia compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
What should I predict for resale and growth in Indonesia in 2026?
What property types resell fastest in Indonesia in 2026?
As of early 2026, the property types that resell fastest in Indonesia are mid-market apartments in Jakarta with good transit access (especially MRT and LRT-adjacent locations), followed by family homes in Greater Jakarta's planned suburban communities like BSD City and Bintaro where deep local end-user demand creates consistent turnover.
The typical time to sell a property in Indonesia is around 3 to 6 months for a well-priced Jakarta apartment, 6 to 12 months for landed homes in Jakarta or Greater Jakarta, and 9 to 18 months for luxury or highly specialized properties where the buyer pool is smaller.
What makes certain properties sell faster in Indonesia is their appeal to local Indonesian buyers rather than just foreigners: transit connectivity is increasingly decisive because Jakarta traffic is severe, and "practical" family-sized units in well-managed buildings with schools nearby outperform trophy apartments in terms of liquidity.
The slowest properties to resell in Indonesia are high-end luxury condos in the most expensive CBD towers (where the buyer pool is very narrow and price-sensitive) and highly customized Bali villas in niche locations that appeal only to specific lifestyle buyers, both of which can sit on market for over a year.
If you're interested, we cover all the best exit strategies in our real estate pack about Indonesia.
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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 JISDOR | Indonesia's central bank official USD/IDR reference rate. | We used it to convert all USD budgets into Indonesian rupiah. We anchored affordability calculations on this late January 2026 rate of IDR 16,838 per USD. |
| Ministry of ATR/BPN Decree 1241/2022 | Official ministerial text setting minimum foreign purchase prices. | We used it to determine which budgets can legally buy in Jakarta, Bali, and other provinces. We built each budget section around these legal thresholds. |
| Colliers Jakarta Apartment Quarterly Q1 2025 | Major global real estate consultancy with transparent research. | We used asking price per square meter benchmarks to calculate realistic unit sizes at each budget. We translated budgets into specific location tiers using their submarket data. |
| Directorate General of Taxes (DJP) | Indonesia's national tax authority publishing official tax rules. | We used it to explain BPHTB transfer tax requirements. We paired it with common practice to provide realistic closing cost ranges. |
| PwC Indonesia TaxFlash 02/2026 | Top-tier professional services firm's technical tax summary. | We used it to explain when VAT can be reduced under the 2026 incentive program. We reflected this in our "beyond price" closing cost estimates. |
| Knight Frank Indonesia Research | Global real estate firm with established premium market expertise. | We used it to define what "premium" and "luxury" mean in Indonesia. We applied their market segmentation to distinguish budget tiers. |
| Bank Indonesia PADG 19/2023 | Central bank's official macroprudential lending rules. | We used it to explain LTV policy that affects mortgage availability. We referenced it when discussing financing viability for foreigners. |
| HSBC Indonesia Mortgages | Major international bank publishing its own lending products. | We used it as evidence that mortgages are actively marketed in Indonesia. We combined it with BI policy to explain foreigner mortgage realities. |
| Global Property Guide Indonesia | Long-running aggregator citing primary sources including Bank Indonesia. | We used it to cross-check that residential price trends remain modest. We treated it as secondary validation alongside consultancy data. |
| Antara News | Indonesia's state news agency quoting regulations directly. | We used it to confirm the 2026 VAT-borne incentive is active. We paired it with PwC's technical reference for accuracy. |
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.