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Move & retire

Indonesia

Five or ten years on a deposit, with Singapore an hour away for the hard cases.

4/4
ingredients confirmed
Every ingredient this page asks for has a figure and a source.
Living
~$1,200/mo
Couple, all in. Compared at country level, so capital cities and large metros run higher. The price level behind it prices the basket residents buy, and a foreign renter cannot reach the cheap end of local housing — poorer countries may still sit too low here.
Safety
Mid
Sixty-ninth globally, though it recorded one of the notable deteriorations in this edition
Residency
Several published routes, none of them needing a sponsor
Healthcare
You are in the national scheme, and you still fly to Singapore
Out-of-pocket spending is 31.1% of current health expenditure here (World Bank, 2023, CC BY 4.0). Read it with care: the measure counts only what insured people pay — not premiums, and not the uninsured — which is why the United States comes out at 10.9%, ahead of most countries on this site.

More is being checked.

Where these figures came from

One row per ingredient. Open any of them for the source, how far we trust it, and when we last checked.

Living~$1,200/mo

Pathoff judgement directed by evidence, not computed from it: the country’s position comes from the World Bank household consumption price level for 2024 (0.322 of the United States, CC BY 4.0 — the ICP benchmark carried forward annually by the World Bank’s own method); the US reference budget is ours. See the Pathoff method, section 12.

Couple, all in. Compared at country level, so capital cities and large metros run higher. The price level behind it prices the basket residents buy, and a foreign renter cannot reach the cheap end of local housing — poorer countries may still sit too low here.

Confidence
made by us from the source
SafetyMid

Global Peace Index 2026: rank 69 of 163, score 1.918. Converted by the Pathoff GPI formula (GPI in lib/scoring.ts)

Sixty-ninth globally, though it recorded one of the notable deteriorations in this edition

Confidence
made by us from the source
ResidencySeveral published routes, none of them needing a sponsor

Pathoff outcome rubric (the Pathoff method, section 10-4), residency band "A route with conditions you can meet": The second-home permit runs five or ten years against a deposit of about $130,000 in an Indonesian bank or qualifying property, the golden visa sets tiered investment thresholds, and a retirement permit is available from age 55 on income — none of them requiring a local sponsor, and a permanent-stay permit follows for some categories. High in the band; short of the one above because every route is gated on capital or age.

Confidence
made by us from the source
Rule
No change known to us
Last checked
2026-09
HealthcareYou are in the national scheme, and you still fly to Singapore

Pathoff healthcare rubric (the Pathoff method, section 13-2), band "You buy your own, and it is affordable": Foreign residents staying more than six months are required to join the national health insurance scheme, which is cheap, and private hospitals in Jakarta and Bali are quick and affordable. At the top of the band rather than above it because the scheme’s network is thin for a foreign resident in practice and because complex treatment routinely means Singapore — an hour and a half away, and the reason this is not a higher band.

Out-of-pocket spending is 31.1% of current health expenditure here (World Bank, 2023, CC BY 4.0). Read it with care: the measure counts only what insured people pay — not premiums, and not the uninsured — which is why the United States comes out at 10.9%, ahead of most countries on this site.

Confidence
made by us from the source
Rule
No change known to us
Last checked
2026-09

What it is like here

Indonesia publishes more long-stay routes than almost anywhere in Asia: a second-home permit on a bank deposit, a golden visa in tiers, a retirement permit from 55 — all five or ten years, all without a sponsor. Living costs are about a third of the United States. The honest limits are medical and administrative: serious treatment usually means a flight to Singapore, and Indonesian bureaucracy rewards patience.

How the process works

1

Pick a route and read its deposit

Second home, golden visa or retirement; the differences are capital, age and duration.

⏱ 2–4 months
2

Open the Indonesian account the permit rests on

The second-home route is proved by a deposit held locally, not by foreign assets.

⏱ 1–2 months
3

Join the national scheme, and insure for the flight

Membership is required after six months; evacuation cover is what covers the hard cases.

⏱ 1 month

Where people settle

Bali (Sanur, Ubud)
The largest foreign-resident community in the country
Jakarta
The best hospitals and the worst traffic in Southeast Asia
Yogyakarta / Malang
Cheaper, cooler, and far quieter than either

Open any ingredient above to see where its figure came from, how far we trust it and when we last checked. Nothing here is a substitute for the official source. Last reviewed 2026-09-04.

Photograph of Indonesia by Jakub Hałun, licensed CC BY-SA 4.0, via Wikimedia Commons.