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The Factors That Prevent the Indonesian Middle Class from Buying a House

Adi Ahdiat 16/04/2026 12:56 WIB

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According to the KIC survey, economic factors are the main obstacles faced by the Indonesian middle class when purchasing a home.

The Factors Hindering the Indonesian Middle Class from Owning a Home (Q4 2025 - Q1 2026)

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The Factors Hindering the Indonesian Middle Class from Owning a Home (Q4 2025 - Q1 2026)

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Katadata Insight Center (KIC) released the 'Katadata Indonesia Middle Class Insight' (KIMCI) report at the IDE Katadata Future Forum 2026 event at the Ballroom Djakarta Theater, Jakarta, Wednesday (April 15, 2026).

The KIMCI report contains research findings on the conditions, behaviors, and perceptions of the middle class, which can serve as a basis for formulating strategies to boost economic and social growth in Indonesia.

According to KIC's findings, one of the challenges facing Indonesia's middle class today is the difficulty of owning housing.

The majority, or 63% of the middle class, feel that the main obstacle is economic factors, such as high housing prices, income increases that do not match the rise in housing prices, high down payments, and the remoteness of affordable housing locations.

Then, 57% feel hindered by personal factors, such as not having the urge to buy a house, preferring to live with their parents, or not having a commitment yet.

There are also 35% who feel hindered by the difficult requirements for home loan (KPR) financing.

"The high price of housing is the most dominant obstacle. On the other hand, limited access to financing such as KPR further narrows the opportunity to own a home," KIC said in its report.

KIC conducted this survey in the fourth quarter of 2025-first quarter of 2026 on 1,000 middle-class respondents, then narrowed it down to 100 respondents who did not plan to buy a house.

The respondents were aged between 18 and 60 years with an average monthly expenditure of Rp2 million to Rp10 million per capita, referring to the definition of the middle class from the Central Statistics Agency (BPS).

The full report of the 'Katadata Indonesia Middle Class Insight' (KIMCI) from KIC can be downloaded at this link.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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