Nagoya vs. Surabaya: Detailed 2026 Cost of Living & Quality Comparison

Overview

This report provides a detailed comparison of the cost of living and quality of life between Nagoya, Japan, and Surabaya, Indonesia, based on projected data for 2026. Nagoya offers a higher standard of living with better healthcare, safety, and climate conditions but comes at a significantly higher cost. Surabaya presents a much more affordable option, particularly for housing and transportation, but with notable trade-offs in terms of safety, healthcare quality, and environmental factors. The decision between these two cities depends heavily on individual priorities regarding budget, lifestyle, and quality expectations. ---

Economic and Demographic Context

Nagoya, located in Japan, has a population of approximately 6,556,000 and a GDP per capita of $13,900. It boasts a low annual mortgage interest rate of 7.5%, reflecting relatively stable financing costs. Surabaya, in Indonesia, has a slightly smaller population of about 6,556,000 and a higher GDP growth rate of 5.05%, indicating a dynamic but less developed economy. The lower cost of living in Surabaya makes it an attractive option for those seeking affordability, though the economic context differs significantly from Nagoya's stable, high-income environment. ---

Cost of Living Comparison

Housing

- **Nagoya**: The average cost of a 3-bedroom apartment in the city center is approximately $3,000 per month, with a property price-to-income ratio of 12.4. While relatively affordable compared to global standards, it is still higher than Surabaya. - **Surabaya**: Rent for a 3-bedroom apartment in the city center is around $960 per month, making it significantly more affordable. However, the property price-to-income ratio is 28.7, indicating that while housing is cheaper, the overall financial burden may still be high for some.

Transportation

- **Nagoya**: A monthly public transport pass costs around $120, and a mid-size car like the Toyota Corolla costs approximately $3,500 per month in insurance and maintenance. - **Surabaya**: Public transport is much cheaper, with a monthly pass costing around $5. A mid-size car costs approximately $2,600 per month in insurance and maintenance.

Daily Expenses

- **Nagoya**: A family of four can expect to spend around $2,500 per month on groceries, utilities, and leisure. Fast food for two people costs about $30, and dining at mid-range restaurants is around $50 per person. - **Surabaya**: Daily expenses for a family of four are significantly lower, around $800 per month. Fast food for two is about $3, and mid-range dining costs approximately $3 per person. ---

Quality of Life Comparison

Safety and Security

- **Nagoya**: Nagoya has a high safety index of 85, reflecting low crime rates and a secure environment. This makes it an ideal choice for families and individuals prioritizing safety. - **Surabaya**: The safety index is much lower at 63, indicating higher crime rates and less security. This could be a concern for long-term residents or families.

Healthcare

- **Nagoya**: Healthcare quality is excellent, with a healthcare index of 90. Access to quality medical services is readily available, making it suitable for those seeking reliable healthcare. - **Surabaya**: Healthcare quality is lower, with an index of 69. Limited access to high-quality medical services could be a drawback for some residents.

Environment and Climate

- **Nagoya**: Nagoya enjoys a moderate climate with a climate index of 70. Pollution levels are relatively low, contributing to a healthier living environment. - **Surabaya**: The climate index is lower at 56, and pollution levels are higher. This could impact the quality of life, particularly for those sensitive to environmental factors.

Education and Childcare

- **Nagoya**: Nagoya offers high-quality education and childcare, with an index of 85. This makes it an attractive option for families. - **Surabaya**: Childcare quality is lower, with an index of 65. Families may need to seek alternative solutions or incur additional costs for better childcare options. ---

Conclusion

Nagoya presents a higher cost of living but offers superior quality of life in terms of safety, healthcare, and environmental factors. Surabaya is significantly more affordable, making it ideal for budget-conscious individuals or those prioritizing lower living expenses. The choice between these two cities depends on individual priorities—those seeking a higher standard of living and greater security may prefer Nagoya, while those prioritizing affordability may find Surabaya more suitable.

Climate Index

86.2 / 55.7

Cost of Living Index

51.4 / 27.2

Nagoya   Surabaya

Health Care Index

84.9 / 68.9

Pollution Index

31.5 / 55.9

Nagoya   Surabaya

Property Price to Income Ratio

3.8 / 28.7

Purchasing Power Index

110.4 / 30.8

Nagoya   Surabaya

Quality of Life Index

215.5 / 104.9

Safety Index

91 / 63.1

Nagoya   Surabaya

Traffic Commute Time Index

14 / 32.8

Nagoya   Surabaya