Last update: Oct 2026

Cost of Living Comparison Between Surabaya and Banjarmasin

For one person, living is cheaper in Banjarmasin: $576 a month against $685 in Surabaya, rent and utilities included – about $1,300 less a year. Other living expenses account for most of the difference.

33

Cost of Living Index in Surabaya
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Surabaya Living Index
27

Cost of Living Index in Banjarmasin
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Banjarmasin Living Index

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Surabaya

🇮🇩 Indonesia

$685

/mo nomad

Banjarmasin

🇮🇩 Indonesia

$576

/mo nomad

Monthly Cost of Living

How much you'll spend in Surabaya and in Banjarmasin

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Surabaya and in Banjarmasin actually costs, broken down by who's living it.

A single person spends $685 per month in Surabaya vs $576 in Banjarmasin, rent included.

Surabaya $685
Banjarmasin $576

A couple spends around $1,189 per month in Surabaya vs $878 in Banjarmasin, rent included.

Surabaya $1,189
Banjarmasin $878

A family of three spends $1,693 per month in Surabaya vs $1,180 in Banjarmasin, rent included.

Surabaya $1,693
Banjarmasin $1,180

Surabaya costs about 19% more than Banjarmasin, and outside of rent the biggest gap is in clothing.

Both Surabaya and Banjarmasin are more affordable than the global median – Surabaya 50% lower, Banjarmasin 58% lower.

Meal at Budget Restaurant

$1.68 Rp 30.5K

$1.07 Rp 19.5K

57.01%

Three-Course Dinner for Two, Mid-Range

$11.51 Rp 209.1K

$13.36 Rp 242.7K

-13.85%

Fast Food Meal (McDonalds, etc)

$3.11 Rp 56.5K

$3.28 Rp 59.5K

-5.18%

Cappuccino

$1.54 Rp 27.9K

$1.22 Rp 22.1K

26.23%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.59 Rp 10.6K

$0.83 Rp 15.1K

-28.92%

Water (0.33 liter bottle)

$0.28 Rp 5,128

$0.31 Rp 5,570

-9.68%

Local Beer (0.5 liter draught)

$2.23 Rp 40.5K

$5.10 Rp 92.6K

-56.27%

Imported Beer (0.33 liter bottle)

$4.20 Rp 76.3K

$3.53 Rp 64.2K

18.98%

Milk (1 liter)

$1.25 Rp 22.7K

$1.29 Rp 23.4K

-3.10%

White Bread (500g)

$1.25 Rp 22.8K

$0.95 Rp 17.2K

31.58%

Rice (white) (1kg)

$0.81 Rp 14.8K

Eggs

$1.18 Rp 21.4K

$1.52 Rp 27.7K

-22.37%

Local Cheese (1kg)

$7.35 Rp 133.4K

$7.35 Rp 133.5K

Chicken Fillets (1kg)

$3.02 Rp 54.9K

$2.04 Rp 37.0K

48.04%

Beef Round Steak (1kg)

$7.40 Rp 134.4K

$3.20 Rp 58.2K

131.25%

Apples (1kg)

$2.04 Rp 37.1K

$1.92 Rp 34.8K

6.25%

Banana (1kg)

$1.24 Rp 22.6K

$1.16 Rp 21.1K

6.90%

Oranges (1kg)

$1.86 Rp 33.8K

$0.91 Rp 16.5K

104.40%

Tomato (1kg)

$1.47 Rp 26.7K

$1.16 Rp 21.1K

26.72%

Potato (1kg)

$1.34 Rp 24.4K

$1.20 Rp 21.7K

11.67%

Onion (1kg)

$1.88 Rp 34.2K

$0.94 Rp 17.1K

100.00%

Lettuce (1 head)

$0.96 Rp 17.4K

$0.80 Rp 14.5K

20.00%

Water (1.5 liter bottle)

$0.39 Rp 7,116

$0.39 Rp 7,138

Cigarettes 20 Pack (Marlboro, Camel)

$1.95 Rp 35.4K

$1.92 Rp 34.8K

1.56%

Wine (Bottle)

$24.42 Rp 443.5K

$20.44 Rp 371.1K

19.47%

Local Beer (0.5 liter bottle)

$1.72 Rp 31.2K

$1.60 Rp 29.0K

7.50%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.16 Rp 57.4K

-6.01%

One-way Ticket (Public Transport)

$0.27 Rp 4,850

$0.23 Rp 4,250

17.39%

Public Transport Monthly Pass (Regular Price)

$16.60 Rp 301.5K

$11.46 Rp 208.1K

44.85%

Taxi Start (Normal Tariff)

$0.47 Rp 8,504

$0.50 Rp 8,991

-6.00%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,189

$0.34 Rp 6,180

32.35%

Taxi 1hour Waiting (Normal Tariff)

$2.56 Rp 46.5K

$3.04 Rp 55.3K

-15.79%

Gasoline (1 liter)

$0.81 Rp 14.6K

$0.81 Rp 14.7K

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$24.3K Rp 442.1M

$24.5K Rp 445.7M

-0.80%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$31.7K Rp 575.1M

$32.8K Rp 595.2M

-3.38%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$86.6 Rp 1.6M

$40.61 Rp 737.6K

113.12%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$4.57 Rp 82.9K

$2.73 Rp 49.6K

67.40%

Internet (50+ Mbps, Unlimited Data)

$19.49 Rp 353.9K

$17.09 Rp 310.4K

14.04%

Gym Membership (Monthly)

$15.35 Rp 278.8K

$18.17 Rp 330.0K

-15.52%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 118.5K

$7.90 Rp 143.5K

-17.34%

Cinema Ticket

$2.62 Rp 47.6K

$5.63 Rp 102.3K

-53.46%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$270 Rp 4.9M

$91.6 Rp 1.7M

195.02%

International Primary School, 1 Child (Yearly)

$9,294 Rp 168.8M

$7,191 Rp 130.6M

29.25%

Jeans (Levis 501 Or Similar)

$69.1 Rp 1.3M

$43.57 Rp 791.3K

58.53%

Summer Dress (H&M, Zara, etc)

$38.24 Rp 694.5K

$27.00 Rp 490.3K

41.63%

Sport Shoes (Adidas, Nike)

$78.8 Rp 1.4M

$52.1 Rp 945.8K

51.21%

Men's Leather Business Shoes

$74.5 Rp 1.4M

$31.79 Rp 577.4K

134.48%

1-bedroom Apartment, City Center (Monthly)

$274 Rp 5.0M

$204 Rp 3.7M

34.58%

1-bedroom Apartment, Outside City Center (Monthly)

$148 Rp 2.7M

$164 Rp 3.0M

-9.98%

3-bedroom Apartment, City Center (Monthly)

$1,204 Rp 21.9M

$501 Rp 9.1M

140.51%

3-bedroom Apartment, Outside City Center (Monthly)

$607 Rp 11.0M

$315 Rp 5.7M

92.90%

Buy Apartment in City Center (m2)

$2,146 Rp 39.0M

$998 Rp 18.1M

115.08%

Buy Apartment Outside City Center (m2)

$1,065 Rp 19.3M

$762 Rp 13.8M

39.77%

Average Monthly Net Salary (After Tax)

$266 Rp 4.8M

$195 Rp 3.5M

36.40%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.5

9.46

-20.72%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Surabaya: October 27, 2026

Last update for Banjarmasin: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Surabaya

$205 29.8%

Banjarmasin

$168 29.2% 17.8% $36

Accommodation & Living

Surabaya

$148 21.5%

Banjarmasin

$164 28.5% 11.1% $16

Clothing & Footwear

Surabaya

$117 17.1%

Banjarmasin

$70 12.1% 40.7% $48

Monthly Utilities & Internet

Surabaya

$111 16.1%

Banjarmasin

$60 10.5% 45.4% $50

Eating Out

Surabaya

$64 9.4%

Banjarmasin

$70 12.2% 9.2% $5.9

Sport & Entertainment

Surabaya

$21 3%

Banjarmasin

$29 5.1% 42.9% $8.8

Getting Around

Surabaya

$20 3%

Banjarmasin

$15 2.5% 28.4% $5.8

Cost Breakdown

A central one-bedroom costs $274 in Surabaya versus $204 in Banjarmasin. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 36% higher in Surabaya. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $12 in Surabaya versus $13 in Banjarmasin. Groceries tell a different story – $205 in Surabaya vs $168 in Banjarmasin – so Banjarmasin wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Surabaya

🇮🇩 Banjarmasin

🕒 Local time

12:33 12:33 PM

13:33 1:33 PM

1 h ahead of Surabaya

🌤 Weather

👥 Population

2,765,487

715,703

💱 Currency

Indonesian Rupiah IDR Rp

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

Exchange rates and currency converter

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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Surabaya vs Banjarmasin: Cost of Living - Frequently Asked Questions

Yes – Surabaya is pricier by about 19%, and outside of rent the gap shows up most in clothing.

For a comfortable life, plan on about $1,028 per month in Surabaya and $864 in Banjarmasin. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Banjarmasin, especially for central apartments: a one-bedroom in the center costs $204 there versus $274 in Surabaya.

A mid-range dinner for two costs $12 in Surabaya and $13 in Banjarmasin. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $685 in Surabaya and $576 in Banjarmasin. That makes Banjarmasin about 16% cheaper.

$1,000 covers both cities comfortably – all-in costs are $685 in Surabaya and $576 in Banjarmasin, leaving budget for savings and extras in both cases.

Families tend to lean toward Banjarmasin – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Banjarmasin. If higher salaries or specific career opportunities are the priority, Surabaya makes more sense. Both are solid long-term options with distinct trade-offs.