Cost of Living in Indonesia for Families: A Realistic Expat Breakdown

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Cost of living in Indonesia for families. Photograph: Emma Bauso via Pexels

The cost of living in Indonesia for families is one of the reasons the country appeals to many expat households—thanks to its vibrant culture, tropical landscapes, and relatively low day-to-day expenses compared to many Western countries. 

But as a family, your biggest costs will likely be housing, schooling, healthcare, and utilities. Understanding your monthly outgoings helps you plan smart and live well.

Key Cost Drivers for Expat Families

1. Housing & Utilities

• In Jakarta, expat-friendly family homes in neighborhoods like Kemang or Pondok Indah can range from IDR 25 million/month and up, depending on size and amenities.
• For utilities (electricity, water, cooling), estimates for a medium-sized family home are around IDR 4–6 million for electricity and IDR 300,000–700,000 for water per month.
• Internet (broadband) costs: around IDR 300,000–700,000/month for a stable high-speed plan.

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2. Food & Groceries

• Groceries: Depending on whether you shop local markets or import products, food costs vary.
• Dining out: A mid-range restaurant meal per person typically costs IDR 100,000–300,000, while high-end places go even higher.
• For families, balancing local dining and cooking at home helps keep the food budget manageable.

3. Transportation

• Ride-hailing apps like Gojek and Grab are widely used by expats and families—they’re cheaper and more flexible than owning a car.
• If you hire a private driver (common for families), that cost can climb—so it’s something to factor into your monthly budget.

4. Schooling / Education

• Education is one of the most significant costs. International schools in Jakarta may charge between IDR 150 million to 700 million per year, depending on the school and grade.
• Local private or “National Plus” schools are cheaper, but still a major expense if you want good quality education.
• Childcare (preschool/kindergarten): International early-learning centers in expat-heavy areas can cost between IDR 7–12 million/month for young children.

5. Healthcare & Insurance

• Many expats choose private healthcare due to the higher standard compared to public clinics. According to cost-of-living guides, international health insurance can run from IDR 15–50 million per year, depending on coverage.
• Doctor visits in private clinics: starting around IDR 300,000+ for general consultation.

Read more:

Cost of Healthcare in Indonesia: Essential Guide for Expats

6. Leisure & Miscellaneous

• Gym memberships in Jakarta: around IDR 250,000–700,000/month depending on the facility.
• Entertainment (family outings, dining, weekend trips) can vary widely, but compared to many Western countries, Indonesia offers relatively affordable options—especially if you lean into local experiences.
• Other expenses like domestic help (cleaning, nanny) are often included in expat family budgets: these roles are more affordable than in many Western markets.

Example Budget for an Expat Family (2 Adults + 2 Kids)

Cost of living in Indonesia for families. Photograph: Vika Glitter via Unsplash

Here’s a rough, illustrative monthly budget based on a moderately comfortable expat lifestyle in Jakarta:

Smart Tips for Managing Costs as an Expat Family

Choose Location Wisely

Big cities like Jakarta or Bali are more expensive. If you’re okay outside main expat hubs, you’ll save a lot on housing.

Mix School Types

Consider “National Plus” or local private schools for a balance of quality and cost.

Use a Driver Selectively

If you don’t need a driver every day, using ride-hail apps can save a lot.

Leverage Local Markets

Shopping at traditional markets (pasar) for groceries cuts costs without sacrificing quality.

Insurance Optimization

Combine BPJS (if eligible) or a basic national insurance plan with a top-up private insurance, rather than going for a full elite plan.

Be Energy-Smart

AC can drive up electricity bills — try to manage usage or choose well-insulated housing.

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For families, Indonesia can be a very attractive place to live—offering quality of life, lower general costs, and a rich cultural experience. 

The biggest cost buckets will be housing, schooling, and healthcare, but with thoughtful planning, you can strike a balance that feels comfortable without being extravagant. 

If you’re flexible on location and lifestyle choices, it’s entirely possible to enjoy a great family life here without overextending your budget.

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