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Bali, Indonesia

Bali: on the water and bring a phrasebook, mid-range on rent

🌊 Sea💻 Indonesia Second Home Visa🏄 Surf🤿 Dive🧘 Yoga+4

More of Bali

Day view
🇺🇸 US citizen:PR in ~5 yr
TL;DRBali in one sentence

The ocean is right there — Bali is a proper coastal city, not a "45-minute drive to the beach" situation. On the ground: you'll need some Indonesian, rent runs ~$1082/mo, PR in ~5 years.

How much does it cost to live in Bali? Expect rent from $1,082/month, one of the safer cities in its region, Indonesian is essential for daily life. Below you'll find rent, groceries, transport, utilities, and a full monthly budget breakdown — with real Numbeo data, not vibes.

🏳️‍🌈From Queer SettlersMarriage legal. Adoption legal. Nobody cares who you love.← back

🇮🇩 Bali, Indonesia

Compare
4.4M people76% cheaper than NYCLivability 64/100 · #60Safety 74/100 · #54

Safety ranks higher because it ignores cost and climate. Livability penalizes expensive or less-connected cities. Compare both rankings

Just you against the world. And the rent.

Expenses = rent + food + transport + utilities · Rent alone: $1,082/mo

🔒 #3 safest city of 104📈 5.0% GDP growth — economy on the rise💼 3.2% unemployment — very tight job market
Show score breakdown
Affordability
18.4/25Numbeo
Violent Crime
14.7/15UNODC
Perceived Safety
4.9/10Numbeo
Internet
2.7/15Ookla
Democracy
9.7/15EIU
English
4/10EF EPI
Climate
7.8/10Numbeo
Stability
7.8/10World Bank
Geopolitical Safety
6.9/10IEP GPI

Total: 76.9/120 raw pts → normalized to 64/100 · Full methodology

🌆 7:49 PM in Bali right now

Data: Numbeo · UNODC · EIU · EF EPI · Ookla · How is this calculated?

Is Bali a Good Place to Live?

Is bali a good place to live? Short answer: yes. Bali checks the boxes that matter for people who plan to actually stay — not just pass through. Here's what the numbers say about settling in Bali, Indonesia.

  • Flawed democracy: Democracy index 6.4/10 — a flawed democracy, which is the polite way of saying 'it's complicated'.
  • Cost of living: A 1-bedroom in the center runs ~$1082/mo — moderate — not cheap, not painful.
  • Safety: Homicide rate 0.3 per 100k (Numbeo safety index: 49/100) — statistically safer than most places you've already lived.
  • Indonesian + English: English proficiency: low — English won't get you far — learning the local language isn't optional, it's survival.
  • Climate: Summers peak around 29°C, winters dip to 25°C.

Life in Bali

✦ Sections reordered for Queer Settlers

What It Actually Costs

Beer $2.3 · Cheap meal $3

What It Actually Costs

One day in Bali

$12.38/day

Beer, coffee, two meals, a metro ride.

Beer, 0.5L$2.33
Cappuccino$2.31
Cheap meal$3.21
Fast food$4.26
Metro ticket$0.27

Monthly

Gym$54
Internet$18

Numbeo

What Paychecks Look Like

Junior $8k · Mid $13k · Senior $18k

What Paychecks Look Like

Annual gross in USD — with what Indonesia actually lets you keep

Levels.fyi · as of Apr 2026

Software Engineer$13k
$950/mo net(12% tax)
$9k$20k
Product Manager$20k
$1,410/mo net(14% tax)
$14k$31k
Data Analyst$11k
$825/mo net(11% tax)
$8k$15k
Finance Manager$14k
$1,054/mo net(13% tax)
$11k$19k

Junior ~ $8k · Mid ~ $13k · Senior ~ $18k — see breakdown

Software Engineer by level
Junior$8k
$605/mo net(7% tax)
$6k$10k
Mid$13k
$950/mo net(12% tax)
$9k$20k
Senior$18k
$1,302/mo net(14% tax)
$12k$26k

Net = employee rate, your settings

Punch in your actual salary for a personalized breakdown →

Cost to Land

1-bed centre: $1082/mo

Cost to Land

The price of showing up (before real life starts)

$3,044one-time

Then it's ~$2,210/mo to actually live here.

Rent(1BR)
$1,082/mo
Groceries
$205/mo
Eating out & delivery(sometimes)
$113/mo
Transport(public)
$8/mo
Travel (amortized)(occasional)
$484/mo
Personal care(medium)
$67/mo
Digital & subscriptions(standard)
$30/mo
Utilities & phones
$97/mo
Health insurance
$125/mo

Can you afford it?

Enter your salary in the sidebar to see how far it stretches here.

First month's rent(1BR)
$1,082

Numbeo

Rental deposit(1 month)
$1,082

Local tenancy law

Furniture & basics(IKEA run)
$750

IKEA estimate

Visa / permit fee(Second Home Visa)
$130

Indonesian immigration

Based on local rental laws & Numbeo prices

How Hard to Find a Place?

1/5 · 1–7 days, walk-in or online

How Hard Is It to Actually Find a Place?

The part Numbeo doesn't tell you

🟢 1/51–7 days, walk-in or online

Walk in, sign, move in. Bring your passport and a deposit.

What stands between you and a lease

  • Passport sufficient (KITAS for long-term)
  • 1–3 months' deposit depending on term
  • Abundant villas and apartments
  • Foreigners cannot own land — lease only

Numbeo, balivillarentals.com, expat forums · 2026-Q1

Tax on Savings

Capital gains 0.1% · Dividends 10% · No wealth tax

Tax on Savings

What Indonesia takes from your investments, not your paycheck

Capital gains0.1% final tax on listed shares; unlisted at marginal PIT rate up to 35%
0.1%
Dividend tax10% final withholding; exempt if reinvested domestically within specified period
10%
Wealth tax
None

Source: PwC Worldwide Tax Summaries · 2025 rates · tax-resident individuals

Freelancing in Bali

Living Here as a Freelancer

What it takes to invoice clients from Bali without an employer holding your hand

How the government sees you

Tax categoryUsaha Mikro Kecil dan Menengah
UMKM
VAT registration thresholdIDR 4.8B/yr — most freelancers well below
€275,000/yr
Social security

BPJS for residents. Foreign freelancers largely outside the system

Getting paid

Wise local IBANsend only
Stripe payoutsnot available
Payoneersupported

Limited payout infrastructure — you may need to route payments through Payoneer or a foreign bank account

Cost of doing business

Health insuranceBPJS for residents (~$5/mo). Foreigners need private ~$50–100/mo
~€80/mo
Accountant (annual filing)
~€200/yr

Source: Direktorat Jenderal Pajak · rates as of 2025–2026

Is Bali a Good Place to Live in 2026?

4 pros · 4 cons

Is Bali a Good Place to Live in 2026?

Derived from cost, safety, weather, democracy, and internet data

For

  • +Bali: 0.3/100k violence, but crime index 51. Guard your wallet.
  • +Sea access in Bali at 29°C summers. Yes, really.
  • +5.0% GDP growth in Indonesia. Jobs appearing in Bali.
  • +5-year residency path from Bali. Worth the patience.

Against

  • Democracy 6.4/10 in Indonesia. Bali's rule of law is inconsistent.
  • No English shortcut in Bali. Indonesian or struggle.
  • Internet in Bali: 36 Mbps average. Download things offline.
  • Bali's grid: 60/100. Mostly fine, occasionally not.

Is Bali Safe?

Homicide rate: 0.3 per 100k

Is Bali Safe?

74/100 safety scoreHow is this calculated?
0.3homicides per 100kIndonesia avg
49Numbeo safety index
1.8peace index#49 of 163

Generally safe, but not carefree. Read the details below before picking a neighborhood.

Residents report moderate concern about everyday crime. Watch your phone and bag in crowded areas.

Heads up: The homicide rate shown is the Indonesia national average, not Bali-specific data. UNODC only publishes country-level figures. City-to-city comparisons within Indonesia won't reflect local differences.

Countries where we only have country-level data: AE, AR, AU, BR, CA, CH, CO, CR, DK, EE, EG, GB, GE, GR, HR, HU, ID, IE, IL, IN, IT, JP, KZ, MA, MX, NL, PA, PT, RS, RU, SE, SG, TH, UZ, VN, ZA

Homicide: UNODC

data resolution: country-average

Safety perception: Numbeo

Peace index: IEP Global Peace Index

world avg ~5.8 per 100k

Neighborhood breakdown

We don't have an official neighborhood-level crime feed wired for Bali yet. The figures above are still citywide or regional.

Settling the family in Bali

PISA 369 · Daycare $498/mo · Partner cannot work on this visa

Settling the family in Bali

Schools, daycare, healthcare, and spouse work rights on one page

Schools

PISA 369

Public schools run in Indonesian and children on residence permits can enroll: Yes, but limited for foreigners.

If you need English from day one, plan around private international schools rather than assuming public EAL support.

International options: 15 schools · low $2k/yr · mid $7k/yr · high $14k/yr

Open admission; social/cultural visa or KITAS required

Kindergarten / Daycare

$498/mo

Private full-day preschool: $498/mo.

Public-availability rules and waitlist length are not tracked in the current city dataset yet, so treat this as the private-price floor, not the full childcare story.

Family Healthcare

Mandatory public insurance

BPJS national insurance available to permit holders; private hospitals preferred by expats

BPJS public system for residents with KITAS permit only. Pre-residency: private insurance essential (~$45/mo). Public hospitals are affordable out-of-pocket for minor issues. Serious care = private hospital or medical evacuation to Singapore.

Dependents on temporary status: public coverage exists.

Spouse / Dependent Rules

Partner cannot work on this visa

Partner cannot work on this visa

Dependents may reside but are not permitted to work under the Second Home Visa.

Child benefits, family allowances, and parental-leave entitlements are not part of the structured city dataset yet, so check the country-level residency rules before assuming those offsets are in your budget.

Sources: isd_tuition, Numbeo, WHO, National health ministry websites, OECD Health at a Glance 2025, https://www.imigrasi.go.id

Crossing the Street

11.3 road deaths/100k

Crossing the Street

Road traffic deaths — country-level data; city-specific rates not available

11.3deaths per 100k/yr5× Sweden's rate

Roads are noticeably more dangerous than in Western Europe. Look both ways. Then look again. You're 37× more likely to die crossing the street than being murdered here.

Who dies on the road

Car5%
Pedestrians16%
Motorcycle74%
Cyclists3%
Other3%

Data year: 2016

Deaths rate: who_gho_road

data resolution: country-level

reference year: 2021

Will You Survive Getting Sick?

BPJS national insurance available to permit holders; private hospitals preferred by expats

Will You Survive Getting Sick?

Healthcare quality, access, and what settlers actually face

52
/100 healthcare scoreBasic
What goes into this score
41OutcomesIs the system actually good?
67AccessCan you actually get treated?
55PerceptionWill you pull your hair out at the doctor?

Score = 50% outcomes + 30% access + 20% perception. Missing components are re-weighted.

Month 1 — Before ResidencyPrivate insurance needed

BPJS public system for residents with KITAS permit only. Pre-residency: private insurance essential (~$45/mo). Public hospitals are affordable out-of-pocket for minor issues. Serious care = private hospital or medical evacuation to Singapore.

Private insurance: ~$50/mo
After Residency
SystemMandatory insurance
Covers temp residentsYes

BPJS national insurance available to permit holders; private hospitals preferred by expats

Healthcare exists but takes patience. Locals know which hospitals to avoid and which doctors to bribe with chocolates. You should learn too.

Sources: WHO, Numbeo, National health ministry websites, OECD Health at a Glance 2025

For the Kids

15 international schools · PISA 369

For the Kids

Schools, childcare costs, and whether your children can actually enroll

369
PISA score (country avg)Weak
International schools15
Tuition range (annual)cheapest to priciest school
$2k$14k/yr
Foreign admissionOpen admission; social/cultural visa or KITAS required
Public school languageIndonesian
Public school on permitYes, but limited for foreigners
Daycare (private, full-day)per kid — multiply at will
$498/mo
Russian-language schoolingNo verified Russian-language school source yet. Treat this as unresearched, not as 'none exist.'
No data

15 international schools · $2k–$14k/yr · A handful. Start researching early.

Public education is rough. International schools aren't optional here — they're survival gear for expat families.

Sources: isd_tuition, oecd_pisa, wikipedia_intl_schools, Numbeo

What You're Breathing

PM2.5 20 μg/m³ · 4× WHO limit

What You're Breathing

Invisible particles in every breath

4×
what doctors say is fineunhealthy for sensitive
PM2.5 annual mean20 μg/m³
0WHO limit55+
NO₂ annual mean10.5 μg/m³
5-year trend📈 Getting worse
Data year2025

Sources: WHO Air Quality Database V6.1, OpenAQ

Weather in Bali

Summer 29°C · 11.6h daylight (Jun) · Winter 25°C · 12.6h daylight (Dec)

Weather in Bali

Spring

31°C

27% sunny

Summer

29°C

45% sunny

11.6h daylight

Fall

31°C

30% sunny

Winter

31°C

13% sunny

12.6h daylight

Year-round warm — temperatures don't swing by season the way they do in temperate climates. Winter looks similar.

Daylight contrast

Winter 12.6h (Dec) vs summer 11.6h (Jun)

+-1h

Winter12.6h
Summer11.6h

Best: Summer, Fall.

Source: WeatherSpark

Will You Have a Thursday Night?

Will You Have a Thursday Night?

Nightlife & social scene

60
Reliably funout of 100
Dubai65/100
Bali60/100
Vienna55/100

as of Apr 2026

Scene tags

🌃Known for going out🎨Art & culture scene

Source: Numbeo Quality of Life Index

Will You Have Friends in Indonesia?

Nightlife 60/100

Will You Have Friends in Indonesia?

Expat community and post-Soviet diaspora

Post-Soviet community in Indonesia

Country-level — city data unavailable for Indonesia.

Russian
~2k2024
Ukrainian
~2002024
Belarusian
~502024

Source: diaspora_cache

Indonesia Immigration Department — country-level estimates

Who Has Offices in Bali?

Emveep, Mitrais, Gringgo

Who Has Offices in Bali?

EmveepMitraisGringgo

Notable employers with offices in the city. Not exhaustive.

How Fast Is the Wi-Fi, Really?

36↓ / 22↑ Mbps

How Fast Is the Wi-Fi, Really?

Median speeds across all connection types · Ookla Speedtest Global Index

36
Mbps ↓ downloadSlow
22 Mbps ↑ upload (Indonesia avg)
Indonesia avg download40 Mbps
Bali vs. country-5 Mbps

Download is the city median across all connection types — DSL, cable, fiber, and mobile. Upload is the country-wide average. If you're on a modern fiber or 5G plan, expect 300–1,000 Mbps down.

Source: Ookla Speedtest Global Index

Can Your Mom Visit?

Indonesia, the Country

Can You Actually Live Here?

PR in ~5 yrs · Citizenship in 10 yrs · Partner cannot work on this visa

Can You Actually Live Here?

Visa difficulty, time to residency, and what it takes to stay

5years to permanent residency

For a US citizen passport: Easy

Citizenship10 yr

Requires Bahasa Indonesia proficiency and renouncing all other citizenships.

Work permitModerate

Spouse & dependents

Partner cannot work on this visa

Dependents may reside but are not permitted to work under the Second Home Visa.

Updated Mar 2026 · Source

What You Can Actually Do Here

Tech jobs thin · Sponsorship mixed · Nascent startup scene · tourism, hospitality, digital-nomad

What You Can Actually Do Here

Industries, employers, and how startup-friendly this place is

Employment

tourismhospitalitydigital nomadsurfing culture

Tech job density Thin (48/100)

Open tech roles ~1.9k(est.)

Non-EU sponsorship Mixed (74/100)

Startup Scene

EcosystemNascent
VC PresenceRare

Ease of doing business: #73

Corporate tax rate22.0%

Sources: StartupBlink · scraper-owned tech clusters · country visa sources

Who's Running the Show

Democracy index: 6.4/10

Who's Running the Show

Politics, freedom, and press independence

Freedom House56/100
Press freedom rank#127 of 180
Peace index1.8 #49 of 163

Source: EIU Democracy Index

Peace: IEP Global Peace Index

Also: Freedom House · RSF Press Freedom Index

How is this calculated?

What Will Break 6 Months In

!
Language

Indonesian is non-negotiable. Doctor's visits, landlord disputes, tax forms — all in Indonesian. Start lessons before you land.

!
Bureaucracy

Paperwork moves when it wants to. Follow up in person. Bring every document you own. Then bring copies.

!
Power

Outages happen often enough to notice. A UPS for your router isn't paranoia — it's planning.

The Fine Print on Being Yourself

Rainbow 12/100 · No recognition

The Fine Print on Being Yourself

LGBTQ+ protections, reproductive rights, and who the law actually covers

!No explicit anti-LGBTQ+ law on the books, but authorities use other statutes to prosecute. The legal risk is real.

12/100
Rainbow Index

Hostile environment

Same-sex marriageNot recognized
Legal statusDe facto criminalized
Employment protectionNo
Hate crime lawNo
AdoptionNot allowed

Reproductive Health Access

Abortion accessLife-threatening only
Gestational limit14 weeks

Only for life-threatening emergencies or rape victims (up to 14 weeks). Highly restricted otherwise.

Source: ilga_europe_equaldex

Reproductive: center_reproductive_rights

How Rainbow Index works: ILGA-Europe's Rainbow Europe index (0–100) weights recent legal changes heavily — countries that passed rights early but haven't added new protections since score lower than countries still actively legislating. This is why Amsterdam (59) scores below Madrid (76): the Netherlands did everything first but Rainbow Europe rewards momentum, not just outcomes.

English in Bali

Low

English in Bali

40
/100 country-level baselineLow level (EF EPI)

Primary language is Indonesian.

English at work40/100 · Patchy

English helps in multinational bubbles; outside them, expect local-language friction.

English on the street25/100 · Limited

For long-term settling, plan to function in the local language.

Office English follows EF EPI. Street English is stricter because landlords, clinics, and bureaucracy usually lag behind workplace English.

Language distance: Slavic: hard · Romance: hard · Germanic: hard

Source: EF English Proficiency Index

Will the Lights Stay On?

Grid 60/100 · 29% renewable · Outages: common

Will the Lights Stay On?

Grid stability, energy mix, and outage risk

60
/100 grid reliabilityPatchy
Outage frequencyfrequent outages
Renewables29%

Sources: IEA, World Bank (SAIDI), national grid operators

Bali — FAQ

10 questions answered

Bali — Things You'll Want to Know

How safe is Bali, really?

Homicide rate: 0.3 per 100,000 (UNODC). World average is 5.8, so Bali is one of the safest places you could pick. Numbeo Crime Index sits at 51.0/100 (lower = safer) — that's what residents actually say about walking home at night, not what the tourism board says. Learn the neighborhoods before signing a lease — every city has blocks you'll love and blocks you won't.

What's the real cost of living in Bali?

A 1-bed in the centre runs about $1082/month (Numbeo). Day-to-day: a cheap restaurant meal: $3.21, monthly transit pass: $8. All in — rent, food, getting around, keeping the lights on — budget $1482–$1882/month depending on whether you cook or eat out. That's the settler number, not the tourist number.

What's the weather actually like in Bali?

Bali: Summers reach around 29°C with about 11.6 hours of daylight in Jun, winters drop to around 25°C and 12.6 hours of daylight in Dec. Warm enough to regret not having AC, cool enough that some people try.

Can you get by in Bali without the local language?

Low English proficiency (EF EPI). But that one word hides two very different realities: office English 40/100 (can you work in English?) and street English 25/100 (can you argue with your landlord in English?). The office is usually easier. The landlord is the real test.

Is Bali actually worth settling in long-term?

Indonesia scores 6.4/10 on the EIU Democracy Index. Functional enough, but keep an eye on the political weather. Some expats find the bureaucracy more autocratic than the government. Rent from $1082/month.

What's the job market really like in Bali?

Unemployment: 3.2%. Translation: jobs exist and companies are actually hiring — a rarity worth noting. If you're planning to job-hunt locally, research your industry before booking a one-way ticket. If you work remotely, this number matters less — but your visa type might not let you.

Who's actually hiring in Bali?

Companies with real offices here (not just a registered address): Emveep, Mitrais, Gringgo. Check their career pages — a company on this list isn't a guarantee they're hiring right now, but it means the talent pipeline exists.

Is Bali any good for expats?

Depends what kind of expat you are. Key facts: rent from $1082/month; Indonesia Second Home Visa (complex process). The numbers above — livability score, safety, cost of living — tell you whether the city works on paper. Whether it works for you depends on what you're optimizing for. Take the quiz if you want a more honest answer than "it's great for expats."

How do you actually get a visa to live in Indonesia?

Indonesia has the Indonesia Second Home Visa program. Duration: 5 or 10 years. Requirements: Deposit of ~$130,000 USD in Indonesian bank. Not cheap, but it's Bali. Complex enough that an immigration lawyer earns their fee. Don't DIY this one. Always verify with the official government portal — immigration rules change faster than this page updates.

How long until you get permanent residency in Indonesia?

Permanent residency typically takes 5 years of legal residence; citizenship eligibility after 10 years total. The usual prerequisites: proof of income, a clean criminal record, and sometimes enough local language to prove you're serious. Rules change — check with an immigration lawyer before building your five-year plan around a Reddit thread.

🛂

Can you actually move abroad?

Check real visa paths based on your passport, profession, and savings. Not the tourist visa — the one that lets you stay.

Find visa paths that actually work for you →
Show full data table

🇮🇩 Bali

Very safe⚠️ Rainbow 12Beach
Total expenses

$2,210/ mo

Rent: $1082 · Rest: $1129

🍷 That's 158 bottles of wine/mo

Healthcare

52/100

Peace

49th

Time to PR

5y

Citizenship

10y

Summer

🌞 29°C

Winter

🌞 25°C

Internet

35 / 22↑ Mbps

Median · Ookla

Indonesia

Economics · World Bank / IMF

GDP per capita (PPP)2024

$16,448

GDP Growth2024

+5.0%

Inflation2024

2.2%

Boringly steady

Unemployment2025

3.2%

Gini Index2025

34.4

Population2023

4,404,300

Politics · EIU / Freedom House

Democracy Index

6.447th

Regime

Flawed democracy

Freedom House

56/100

Press Freedom

127th

Safety · UNODC / Numbeo

Homicide per 100K

0.3

Safety Index

49.0/100

Residency Path · imigrasi.go.id

Visa Difficulty

EU: easyRU: easyUA: easyUS: easyGB: moderate

Time to Permanent Residency

5 years

Path to Citizenship

10 years

Work Permit

moderate

Career

Industries

tourism, hospitality, digital-nomad

Startup Scene

nascent

Connectivity · Ookla Speedtest

Median downloadBali

35.8 Mbps

Avg uploadIndonesia

22.4 Mbps

Avg downloadIndonesia

40.3 Mbps

Median across all connection types (DSL, cable, fiber, mobile). Fiber and 5G plans in major cities typically deliver 300–1 000 Mbps.

Language · EF EPI

Languages

Indonesian (II)

English Proficiency

Low80th

Next up

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