Bali Cost of Living 2026 — Real Monthly Budget

Long-term villa rental is by far the largest expense and the most variable. Prices below reflect 6-12 month leases negotiated through agents (not short-term tourist pricing, which is 50-100% higher). One-bedroom villa with pool: $400-600 (Ubud), $600-1,000 (Sanur/Canggu), $1,000-1,800 (Seminyak). Two-bedroom villa with pool: $600-1,000 (Ubud), $900-1,500 (Sanur/Canggu), $1,500-2,500 (Seminyak). Three-bedroom family villa: $800-1,500 (Ubud), $1,200-2,000 (Sanur/Canggu), $2,000-3,500 (Seminyak).

Rental tips: always negotiate — listed prices are starting points, especially for annual leases. Pay annually if possible (10-20% discount over monthly). Have a trusted agent inspect properties for internet speed, water quality, structural issues, and neighborhood noise. Avoid booking through international platforms for long-term stays — they add 15-20% in platform fees.

Utilities are modest by Western standards: electricity $30-80/month (AC usage is the biggest factor), water $10-20/month, internet (IndiHome or Biznet) $20-40/month for 30-100 Mbps. Total utilities typically run $60-140 per month.

Food in Bali ranges from incredibly cheap local cuisine to top-tier international dining. Local warungs (small restaurants) serve complete meals for $1-3. Mid-range international restaurants charge $8-20 per person. Fine dining runs $30-60 per person. A comfortable food budget for a couple eating a mix of local and international food is $400-800 per month.

Grocery shopping at local markets is extremely affordable — fresh tropical fruit, vegetables, chicken, and fish at a fraction of Western prices. Supermarkets like Pepito, Bintang, and Coco Supermarket stock imported goods at higher prices. Many expats hire a cook as part of their household staff who shops at local markets and prepares meals at home — this is often cheaper than eating out and provides healthier, customized meals.

Coffee culture in Bali is excellent and affordable. Local Indonesian coffee at warungs costs $0.50-1. Premium coffee at hipster cafes costs $2.50-5. Beer at a local bar is $2-4 for Bintang, $4-7 for imported. Wine is the main expensive beverage due to Indonesian import taxes — a decent bottle costs $15-30 at restaurants.

Transport in Bali is affordable. Most expats rent a motorbike ($50-80/month) or use a combination of Grab (ride-hailing app) and a rented car ($300-500/month with driver, or $200-350 without). Fuel is cheap at $0.60/liter. Many areas are walkable for daily errands. Annual motorbike insurance is $30-50.

Healthcare costs are dramatically lower than Western countries. A GP visit costs $15-30. Specialist consultation $30-60. Basic blood panel $20-40. Dental cleaning $15-25. International health insurance (comprehensive inpatient/outpatient) runs $150-350/month per person. Many routine medications cost $5-15 per month.

Other monthly expenses: gym membership $30-60, yoga unlimited pass $60-100, spa massage $8-15 per session, household staff (housekeeper $150-250/month, cook $200-350/month, driver $200-350/month, gardener $100-150/month), laundry service $15-25/month, mobile phone SIM with data $10-20/month.