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Everything you need to know before buying real estate is included in our Indonesia Property Pack
Surabaya is Indonesia's second-largest city and East Java's economic engine, making it a popular destination for property buyers looking for value outside Jakarta.
This guide gives you real, data-backed house prices in Surabaya for 2026, covering everything from entry-level homes to premium neighborhoods.
We constantly update this blog post to reflect the latest market conditions and pricing trends.
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 Surabaya.
How much do houses cost in Surabaya as of 2026?
What's the median and average house price in Surabaya as of 2026?
As of early 2026, the median house price in Surabaya is around IDR 2.9 billion (approximately USD 170,000 or EUR 145,000), while the average house price sits higher at around IDR 3.6 billion (approximately USD 215,000 or EUR 180,000).
The typical price range that covers roughly 80% of house sales in Surabaya falls between IDR 1.0 billion and IDR 4.4 billion (approximately USD 60,000 to USD 260,000, or EUR 50,000 to EUR 220,000).
The gap between the median and average price in Surabaya tells you that the market has a cluster of premium properties pulling the average up, especially in areas like Pakuwon City and Citraland where luxury homes can exceed IDR 8 billion.
At the median price of around IDR 2.9 billion in Surabaya, you can typically expect a 3-bedroom house with around 100 to 150 square meters of building area on a 100 to 200 square meter plot, often in established middle-class neighborhoods like Wiyung, Sukolilo, or parts of Rungkut.
What's the cheapest livable house budget in Surabaya as of 2026?
As of early 2026, the minimum budget for a livable house in Surabaya starts at around IDR 400 to 700 million (approximately USD 24,000 to USD 42,000, or EUR 20,000 to EUR 35,000), though a more realistic starter budget is IDR 800 million to IDR 1.2 billion (approximately USD 48,000 to USD 72,000, or EUR 40,000 to EUR 60,000).
At this entry-level price point in Surabaya, "livable" typically means a smaller home (often 60 to 80 square meters of building area) with basic finishes, potentially needing minor repairs, but with functional plumbing, electricity, and a safe structure.
The cheapest livable houses in Surabaya are usually found in areas like Benowo, parts of Rungkut, the MERR corridor, Wonorejo, and the Kenjeran side, where median prices sit below IDR 2 billion.
Wondering what you can get? We cover all the buying opportunities at different budget levels in Surabaya here.
How much do 2 and 3-bedroom houses cost in Surabaya as of 2026?
As of early 2026, a 2-bedroom house in Surabaya typically costs between IDR 600 million and IDR 1.8 billion (approximately USD 36,000 to USD 107,000, or EUR 30,000 to EUR 90,000), while a 3-bedroom house typically costs between IDR 1.2 billion and IDR 3.5 billion (approximately USD 72,000 to USD 208,000, or EUR 60,000 to EUR 175,000).
For a 2-bedroom house in Surabaya, the realistic price range runs from IDR 600 million for a compact home in a developing area like Benowo or outer Rungkut, up to IDR 1.8 billion for a better-finished home in a more central location like Surabaya Kota.
For a 3-bedroom house in Surabaya, you can expect to pay from IDR 1.2 billion for a standard home in areas like Rungkut or the MERR corridor, up to IDR 3.5 billion for a nicer property in areas like Wiyung or Sukolilo.
Moving from a 2-bedroom to a 3-bedroom house in Surabaya typically adds around 50% to 100% to your budget, as 3-bedroom homes usually come with larger plots and better locations.
How much do 4-bedroom houses cost in Surabaya as of 2026?
As of early 2026, a 4-bedroom house in Surabaya typically costs between IDR 2.5 billion and IDR 6.0 billion (approximately USD 150,000 to USD 360,000, or EUR 125,000 to EUR 300,000).
For a 5-bedroom house in Surabaya, the realistic price range runs from IDR 4.0 billion to IDR 10 billion (approximately USD 240,000 to USD 595,000, or EUR 200,000 to EUR 500,000), with prices depending heavily on location and land size.
For a 6-bedroom house in Surabaya, expect to pay from IDR 6.0 billion to IDR 15 billion or more (approximately USD 360,000 to USD 900,000+, or EUR 300,000 to EUR 750,000+), as these larger homes are concentrated in premium areas like Pakuwon City and Gubeng.
Please note that we give much more detailed data in our pack about the property market in Surabaya.
How much do new-build houses cost in Surabaya as of 2026?
As of early 2026, a new-build house in Surabaya typically costs between IDR 1.5 billion and IDR 6.5 billion (approximately USD 90,000 to USD 390,000, or EUR 75,000 to EUR 325,000), with entry-level new-builds starting around IDR 1.5 billion and developer cluster homes in premium areas reaching IDR 6.5 billion or more.
New-build houses in Surabaya typically carry a price premium of around 10% to 20% compared to similar-sized older resale houses in the same area, reflecting modern finishes, better building standards, and developer warranties.
How much do houses with land cost in Surabaya as of 2026?
As of early 2026, a house with a meaningful land plot in Surabaya typically costs from IDR 2.0 billion for a property with 120 to 200 square meters of land, up to IDR 8 billion or more for properties with 400+ square meters (approximately USD 120,000 to USD 480,000+, or EUR 100,000 to EUR 400,000+).
In Surabaya, a "house with land" typically refers to properties with at least 150 to 200 square meters of land area, since smaller plots (under 100 square meters) are more common for compact urban homes.
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Where are houses cheapest and most expensive in Surabaya as of 2026?
Which neighborhoods have the lowest house prices in Surabaya as of 2026?
As of early 2026, the neighborhoods with the lowest house prices in Surabaya include Rungkut (median around IDR 1.7 billion), the MERR corridor (median around IDR 1.75 billion), Wonorejo near the Mangrove area (median around IDR 1.05 billion), Kenjeran near Pantai Ria Kenjeran (median around IDR 1.99 billion), and Benowo (median around IDR 950 million).
In these cheapest neighborhoods of Surabaya, the typical house price range is IDR 700 million to IDR 2.0 billion (approximately USD 42,000 to USD 120,000, or EUR 35,000 to EUR 100,000).
The main reason these Surabaya neighborhoods have lower house prices is their distance from premium amenities and established commercial centers, plus specific factors like flood-prone areas in Wonorejo and less developed infrastructure in outer Rungkut and Benowo.
Which neighborhoods have the highest house prices in Surabaya as of 2026?
As of early 2026, the top three neighborhoods with the highest house prices in Surabaya are Gubeng near Stasiun Gubeng (median around IDR 5.5 billion), the Tugu Pahlawan central area (median around IDR 4.3 billion), and Pakuwon City (median around IDR 4.0 billion), closely followed by Citraland (median around IDR 3.95 billion).
In these most expensive Surabaya neighborhoods, the typical house price range is IDR 3.5 billion to IDR 10 billion+ (approximately USD 210,000 to USD 600,000+, or EUR 175,000 to EUR 500,000+).
These Surabaya neighborhoods command premium prices because they combine established prestige with practical advantages like proximity to top schools, major hospitals, premium malls like Tunjungan Plaza and Pakuwon Mall, and superior road access to business districts.
The typical buyer in these premium Surabaya neighborhoods is either a successful local business owner seeking a family compound, a corporate executive wanting proximity to work, or a foreign investor looking for quality rental yields in well-managed gated communities.
How much do houses cost near the city center in Surabaya as of 2026?
As of early 2026, houses near the Surabaya city center, including areas around Tunjungan Plaza and Surabaya Kota district, typically cost between IDR 2.85 billion and IDR 4.0 billion (approximately USD 170,000 to USD 240,000, or EUR 145,000 to EUR 200,000).
Houses near major transit hubs in Surabaya, particularly around Stasiun Gubeng and Stasiun Wonokromo/Terminal Joyoboyo, typically cost between IDR 3.5 billion and IDR 5.5 billion (approximately USD 210,000 to USD 330,000, or EUR 175,000 to EUR 275,000).
Houses near top-rated schools in Surabaya, such as the Ottimmo International area (median around IDR 3.6 billion) and the UKWMS Dinoyo area (median around IDR 3.53 billion), typically cost between IDR 3.0 billion and IDR 4.0 billion (approximately USD 180,000 to USD 240,000, or EUR 150,000 to EUR 200,000).
Houses in expat-popular areas of Surabaya, mainly Citraland, Pakuwon City, the Darmo/central-west corridors, and Gubeng, typically cost between IDR 3.5 billion and IDR 6.0 billion (approximately USD 210,000 to USD 360,000, or EUR 175,000 to EUR 300,000).
We actually have an updated expat guide for Surabaya here.
How much do houses cost in the suburbs in Surabaya as of 2026?
As of early 2026, houses in the suburbs of Surabaya typically cost between IDR 1.7 billion and IDR 4.0 billion (approximately USD 100,000 to USD 240,000, or EUR 85,000 to EUR 200,000), depending on whether you choose the west or east side of the city.
The typical price difference between suburban houses and city-center houses in Surabaya is around 20% to 40% lower for suburbs, though premium suburban clusters like Citraland and Pakuwon City can match or exceed central Surabaya prices due to their gated community appeal.
The most popular suburbs for house buyers in Surabaya are Wiyung (median around IDR 2.9 billion), Citraland (median around IDR 3.95 billion), Rungkut (median around IDR 1.7 billion), and Pakuwon City (median around IDR 4.0 billion), with West Surabaya attracting families seeking newer developments and East Surabaya offering more value-oriented options.
What areas in Surabaya are improving and still affordable as of 2026?
As of early 2026, the top areas in Surabaya that are improving and still affordable for house buyers include the MERR corridor (median around IDR 1.75 billion), Wonorejo near the Mangrove area (median around IDR 1.05 billion), and parts of the Kenjeran side near Pantai Ria Kenjeran (median around IDR 1.99 billion).
In these improving yet affordable Surabaya areas, the current typical house price is IDR 1.0 billion to IDR 2.0 billion (approximately USD 60,000 to USD 120,000, or EUR 50,000 to EUR 100,000).
The main sign of improvement driving buyer interest in these areas is infrastructure investment, particularly the MERR (Middle East Ring Road) connectivity improvements that have dramatically cut commute times to central Surabaya and industrial zones, making previously peripheral areas viable for young families and first-time buyers.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Surabaya.
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 Surabaya right now?
What are typical buyer closing costs for houses in Surabaya right now?
The estimated typical total closing cost for house buyers in Surabaya is around 6% to 9% of the purchase price for a cash purchase, or 8% to 12% if you add mortgage-related fees.
The main closing cost categories in Surabaya include BPHTB (buyer acquisition tax) at up to 5% of the taxable base, notary and PPAT fees at around 0.5% to 1%, land office and certificate administration fees, and if using a mortgage (KPR), additional provision fees, admin fees, appraisal fees, and insurance premiums.
The single largest closing cost category for house buyers in Surabaya is typically the BPHTB (Bea Perolehan Hak atas Tanah dan Bangunan), which alone can reach up to 5% of the property value minus a small local exemption threshold.
We cover all these costs and what are the strategies to minimize them in our property pack about Surabaya.
How much are property taxes on houses in Surabaya right now?
The estimated typical annual property tax (PBB-P2) for a house in Surabaya ranges from a few hundred thousand rupiah to several million rupiah per year (approximately USD 20 to USD 300+, or EUR 15 to EUR 250+), depending on the government-assessed value (NJOP) of your property.
Property tax in Surabaya is calculated based on the NJOP (Nilai Jual Objek Pajak) set by the local tax authority, with Surabaya offering relief programs like PBB exemptions for homes with NJOP below IDR 100 million, which can significantly reduce or eliminate the annual tax bill for lower-value properties.
If you want to go into more details, we also have a page with all the property taxes and fees in Surabaya.
How much is home insurance for a house in Surabaya right now?
The estimated typical annual home insurance cost for a house in Surabaya is around 0.10% to 0.30% of the insured property value (approximately IDR 1.5 million to IDR 9 million per year for a median-priced home, or USD 90 to USD 540, EUR 75 to EUR 450), with add-ons for flood or earthquake coverage increasing the premium.
The main factors that affect home insurance premiums for houses in Surabaya include the construction type (permanent vs. semi-permanent), location-specific risks like flood exposure in low-lying areas, the insured value, and whether you add coverage for natural disasters or theft.
What are typical utility costs for a house in Surabaya right now?
The estimated typical total monthly utility cost for a house in Surabaya is around IDR 900,000 to IDR 2.6 million (approximately USD 55 to USD 155, or EUR 45 to EUR 130), depending on your household size and air conditioning usage.
The breakdown of main utility categories for houses in Surabaya includes electricity at around IDR 500,000 to IDR 1.5 million per month (heavily dependent on AC use), water (PDAM) at around IDR 100,000 to IDR 400,000 per month, and internet/mobile at around IDR 300,000 to IDR 700,000 per month.
What are common hidden costs when buying a house in Surabaya right now?
The estimated total of common hidden costs that house buyers in Surabaya often overlook can range from IDR 15 million to IDR 100 million+ (approximately USD 900 to USD 6,000+, or EUR 750 to EUR 5,000+), depending on the property's condition and documentation status.
Typical inspection fees buyers should expect when purchasing a house in Surabaya are around IDR 2 million to IDR 6 million for a basic inspection (approximately USD 120 to USD 360, or EUR 100 to EUR 300), or IDR 6 million to IDR 15 million for a detailed inspection covering structure, electrical, and plumbing (approximately USD 360 to USD 900, or EUR 300 to EUR 750).
Other common hidden costs beyond inspections when buying a house in Surabaya include renovation catch-up for roof leaks, wiring, plumbing, damp, or termite damage, flood and drainage fixes especially in lower-lying areas, HOA or cluster fees in gated communities, and document clean-up for boundary issues, certificate mismatches, or unpaid back taxes.
The hidden cost that tends to surprise first-time house buyers the most in Surabaya is renovation and repair work, because many older homes have deferred maintenance issues that only become apparent after purchase, sometimes adding 10% to 20% to the total investment.
You will find here the list of classic mistakes people make when buying a property in Surabaya.
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What do locals and expats say about the market in Surabaya as of 2026?
Do people think houses are overpriced in Surabaya as of 2026?
As of early 2026, the general sentiment among locals and expats in Surabaya is mixed: buyers shopping in premium areas like Gubeng, Pakuwon City, and Citraland often feel prices are stretched, while those targeting value areas like Rungkut and the MERR corridor find the market more reasonably priced.
Houses in Surabaya typically stay on the market for around 60 to 90 days before selling, with fairly priced homes in popular locations moving faster and overpriced or renovation-heavy properties taking longer.
The main reason locals and expats give for feeling house prices in Surabaya are either too high or fairly valued comes down to location: central and premium areas feel expensive because demand from business owners and executives keeps bidding up limited stock, while outer areas feel more accessible because infrastructure improvements are still catching up.
Compared to one or two years ago, sentiment on house prices in Surabaya has shifted from cautious post-pandemic recovery mode to a more confident but selective outlook, with buyers now more willing to commit but also more demanding on value and location.
You'll find our latest property market analysis about Surabaya here.
Are prices still rising or cooling in Surabaya as of 2026?
As of early 2026, house prices in Surabaya are gently rising to mostly stable, with different neighborhoods showing varying momentum but no dramatic spikes or drops.
The estimated year-over-year house price change in Surabaya is around 2% to 4% for most areas, with Rumah123 data showing a roughly 2% month-over-month median increase in January 2026 compared to December 2025, consistent with a mild upward trend rather than a heated market.
Experts and locals expect house prices in Surabaya over the next 6 to 12 months to continue their steady, modest growth pattern, supported by ongoing infrastructure investments and stable mortgage rates, but without any major acceleration given the broader national market's cool-to-steady tone.
Finally, please note that we have covered property price trends and forecasts for Surabaya 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 Surabaya, 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 |
|---|---|---|
| Rumah123 | Indonesia's largest property portal with transparent median price methodology. | We used its 3-month median price data and district breakdowns to anchor all Surabaya house price estimates. We also used its POI-specific medians to identify neighborhood price clusters. |
| Bank Indonesia (RPPI Survey) | The central bank's official Residential Property Price Survey for Indonesia. | We used it to describe the national market direction and verify that Surabaya's listing prices align with broader macro trends. |
| Bank Indonesia (RPPI Report PDF) | Official Bank Indonesia publication documenting property price methodology. | We used it to explain why new-build price growth is typically modest in Indonesia and to triangulate market tone. |
| BPS Statistics Indonesia | Indonesia's national statistics agency publishing official RPPI data. | We used it to ground our estimates in official statistics and verify that price changes are generally incremental. |
| BPS Surabaya | The city-level BPS office confirming Surabaya is covered by official surveys. | We used it to confirm that Surabaya has direct official property price data collection. |
| Bank Indonesia (JISDOR) | The central bank's official USD/IDR reference exchange rate. | We used it to convert IDR house prices into USD using the early 2026 exchange rate of approximately 16,800 IDR per USD. |
| Government Portal (UU 1/2022) | Official government portal hosting the national framework for local taxes. | We used it to anchor BPHTB as a locally administered tax under a national legal ceiling. |
| Bank BTN | A major state-linked mortgage bank reflecting mainstream Indonesian mortgage fees. | We used it to list typical mortgage-related closing fees that Indonesian buyers actually encounter. |
| East Java Provincial Government | Official government communications citing Surabaya-specific tax policies. | We used it to illustrate Surabaya's PBB relief rules for lower NJOP homes. |
| PDAM Surya Sembada | Surabaya's official water utility provider. | We used it to ground utility cost estimates in Surabaya's actual tariff structure. |
| Global Property Guide | International property research platform with Indonesia market coverage. | We used it to cross-reference broader Indonesian market trends and rental yield context. |
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