Cost of Living in Bali: 2026 Budget Guide

Ever wondered if you could swap your mortgage payments for beachfront living without breaking the bank?

Many Australians dream of tropical paradise but assume it’s financially out of reach. The truth might surprise you.

Bali offers an incredibly affordable lifestyle that lets your dollar stretch further than you’d imagine. While Sydney and Melbourne prices keep climbing, this island paradise maintains its value proposition.

Seasonal variations and currency exchange rates play crucial roles in your budgeting. Understanding these factors helps you plan smarter for 2026.

This guide will show you how to achieve quality living without sacrificing comforts. Get ready to discover how your financial situation could transform in Indonesia’s most beloved destination.

Why Bali’s Cost of Living Attracts Expats

Bali is a top choice for Australian expats because of its bali living expenses. Your money goes further here, offering a lifestyle that’s hard to find in Australia.

Affordability Compared to Australian Cities

Monthly costs in Sydney or Melbourne are much higher than in Bali. Housing costs alone can drop by 60-70%.

In Sydney, a basic apartment costs over $2,000 a month. But in Bali, you can find a comfy place for under $600. This big difference makes moving to Bali very appealing.

Key Factors Driving Lower Expenses

Several factors make Bali affordable. Lower labour costs mean services like cleaning and dining out are cheap.

Bali’s rich soil keeps food prices low. Fresh local produce is much cheaper than in Australian supermarkets.

Taxes and hidden costs are also lower here. This helps keep prices down compared to Western countries.

Average Monthly Budget for a Single Person

In 2026, a single person in Bali can budget $800-1,500 AUD a month. This covers basic needs and some fun activities.

The lower budget offers a simple but good life. The higher budget lets you enjoy more dining out, travel, and better homes.

Breakdown of Essential and Discretionary Spending

Essential spending includes housing ($300-700), food ($200-400), and transport ($100-200). These are the core costs of bali living expenses.

Discretionary spending is for fun, travel, and personal care. You might spend $200-400 a month on these things. They make living in Bali enjoyable.

By budgeting wisely, you can enjoy Bali’s culture while staying financially stable. Your money stretches further here than in Australia.

Accommodation Costs in Bali for 2026

Finding the right place to live is key when moving to Bali in 2025. Your choice of housing greatly affects your living costs. Bali has everything from luxury villas to affordable shared spaces.

Renting a Villa or Apartment

Bali’s rental market has something for every budget. Basic studios start at 3-4 million IDR monthly. Mid-range villas with pools cost between 8-15 million IDR.

Luxury homes can go over 25 million IDR monthly. These often come with staff, modern features, and great locations. Think about your lifestyle when deciding between a villa and an apartment.

Popular Areas and Their Price Ranges

Canggu is a hit with digital nomads. You can find a decent one-bedroom villa for 6-12 million IDR. Seminyak offers more upscale choices at 10-20 million IDR.

Ubud is known for its calm atmosphere, with prices from 5-10 million IDR. Sanur is great for families, with costs around 6-12 million IDR. Pererenan is a hidden gem, offering good value at 4-8 million IDR.

Shared Housing and Co-Living Options

Co-living spaces are gaining popularity among expats. Outpost and Tribal Bali offer monthly deals from 5-8 million IDR. These include a place to stay, a workspace, and community events.

Shared villas are a cost-effective option. You can find a room in a nice villa for 3-6 million IDR monthly. This choice can help lower your living costs and help you make friends.

Tips for Negotiating Rent and Contracts

Always try to negotiate the rent, which is common for long-term stays. Landlords usually expect you to bargain and may offer 10-20% off. Paying several months’ rent upfront can also get you a better deal.

Read your lease carefully before signing. Make sure everything agreed upon is written down. Watch out for extra costs like maintenance fees or utility limits.

Security deposits are usually one month’s rent. Keep receipts for all payments and document the property’s condition. These steps help protect you when discussing your accommodation costs.

Food and Grocery Expenses

Your culinary journey in Bali offers incredible value. It significantly impacts your overall average living costs in Bali. The island’s food scene blends traditional Indonesian flavors with international options. This gives you plenty of choices whether you’re cooking at home or dining out.

Shopping at Local Markets vs. Supermarkets

Traditional markets like Badung Market in Denpasar offer the most authentic shopping experience. You’ll find fresh produce, spices, and local ingredients at prices much lower than western supermarkets. The vibrant atmosphere lets you connect with local culture while saving money.

Supermarkets like Bintang or Pepito provide familiar products from back home. They stock imported goods, packaged foods, and western brands. While convenient, these come with higher price tags that can quickly increase your grocery bill.

Weekly Grocery Budget for One Person

A smart shopper can eat well on $30-50 AUD weekly. Focus on local produce like rice, vegetables, and tropical fruits. Chicken and fish are affordable protein sources when bought from local vendors.

Your weekly shopping might include:

• Rice and noodles: $5-7 AUD

• Fresh vegetables and fruits: $10-15 AUD

• Chicken or fish: $8-12 AUD

• Eggs and tofu: $4-6 AUD

• Cooking oil and spices: $3-5 AUD

Dining Out and Street Food Costs

Bali’s food scene shines when eating out. Local warungs serve delicious meals for $2-5 AUD. These family-run establishments offer authentic Indonesian dishes like nasi campur or mie goreng.

Mid-range restaurants charge $10-20 AUD for western meals. Upscale dining venues might cost $30-50 AUD per person. The variety means you can enjoy different experiences throughout the week.

How to Eat Well on a Tight Budget

Street food offers incredible value if you choose wisely. Look for busy stalls with high turnover. This ensures fresh ingredients and proper cooking practices. Stick to cooked foods and avoid raw items if you have a sensitive stomach.

Balance your meals between street food and home cooking. Splurge occasionally on nicer restaurants while maintaining your overall budget. This approach lets you experience Bali’s diverse food scene without breaking the bank.

Remember that drinking bottled water is essential. Factor this into your food budget as tap water isn’t safe for drinking. These strategies help you manage your average living costs in Bali while enjoying delicious and varied meals.

Transportation: Getting Around Bali Affordably

Exploring Bali’s streets and scenic routes doesn’t have to be expensive. Knowing the local transport options helps you save money. This section shows you how to move around the island affordably, keeping your bali cost of living comparison in check.

Scooter Rentals and Public Transport

Renting a scooter is the best and cheapest way to get around Bali. You can rent one for $50 to $100 AUD a month. This lets you explore at your own pace.

Bali also has public transport like bemos (minibuses) and the Kura-Kura tourist bus. These are good for those who don’t want to drive.

Costs and Safety Tips for Riders

When renting a scooter, remember to include insurance and safety gear. Indonesian law requires helmets. Quality helmets are essential for safety on Bali’s roads.

Bali’s traffic can be tough for newcomers. Roads are crowded with cars, scooters, and pedestrians. Always carry your international driving permit and practice in quiet areas before tackling busy roads.

Fuel, Maintenance, and Ride-Sharing Apps

Petrol in Bali is affordable, costing between $1 and $1.20 AUD per litre. A full tank on a scooter costs $3-4 AUD and lasts several days. Basic maintenance like oil changes and tyre repairs are also cheap.

Ride-sharing apps like GoJek and Grab are great alternatives to owning transport. They offer scooter rides, car transport, and food delivery. They’re perfect for rainy days or long trips.

Budgeting for Daily Travel Needs

Your monthly transport budget depends on how much you travel. Minimal users might spend $50-70 AUD monthly. Frequent explorers could budget $100-150 AUD. Always have a buffer for unexpected trips or maintenance.

Using a mix of transport methods can save money. Use your scooter for daily errands and ride-sharing for longer trips or group travel. This balanced approach keeps your bali cost of living comparison competitive while ensuring you can move around comfortably.

Utilities and Monthly Bills Management

Managing utilities is key to a good Bali budget for long stays. Knowing these costs helps keep your finances stable while enjoying island life.

Electricity, Water, and Internet Plans

In Bali, utilities work differently than in Australia. Electricity comes from PLN (Perusahaan Listrik Negara). Water and internet have many local providers.

Electricity prices go up with more use. Using air conditioning a lot can really raise your bill, more so in the hot months.

Average Costs and How to Save

Monthly electricity bills can be 300,000 to 1,500,000 IDR, depending on AC use. Water bills are usually 100,000-300,000 IDR a month for most expats.

Internet plans cost 500,000 to 1,200,000 IDR for good speeds. Getting a bundle can save you money on consistent internet.

Smart bali budgeting tips include using fans at night instead of AC. Fixing leaky taps and using rainwater for gardens can also save money.

Choosing local internet providers over international ones can save you money. Always look for deals that match your usage.

Setting Up Utilities as an Expat

Getting utility accounts set up needs certain documents. You’ll need your passport, KITAS or visa, and a rental agreement.

For PLN electricity, you must register in person at local offices. Water connections are often arranged by your villa management or landlord.

Avoiding Hidden Fees and Overcharges

Some providers might charge higher deposits for foreigners. Always ask for official rate sheets and compare with local friends’ bills.

Check your meter readings monthly to ensure accuracy. Digital meters help track usage and prevent billing issues.

These bali budgeting tips help you avoid surprise utility costs. Proper management keeps your monthly bills steady and easy to manage.

Healthcare and Insurance for Australians in Bali

Being prepared for health issues is key to enjoying affordable living in Bali without medical costs ruining your budget. Knowing about Bali’s healthcare and insurance options means you’re ready for both everyday care and emergencies.

Health Insurance Options and Costs

Choosing health insurance in Bali means picking between local and international providers. Local plans, like those from Allianz Indonesia, start at $50-80 a month. International options, such as Bupa Global or Cigna, cost $150-300 monthly but offer more comprehensive coverage.

Comparing Local and International Providers

Local insurance covers you only in Indonesia. It’s great for those staying in Bali long-term. International policies, on the other hand, cover you worldwide, including medical evacuations to Australia if needed.

Think about your health history and travel plans when deciding. While international coverage is pricier, it gives you peace of mind for those who travel often.

Accessing Medical Services and Pharmacies

Bali has top-notch healthcare at international hospitals like BIMC and local clinics. Many medications available only by prescription in Australia are easily found here at lower prices.

Budgeting for Routine and Emergency Care

Doctor visits cost $20-40, and dental check-ups are $30-60. Emergency care, like hospital stays, can be $200-500 daily. Always have an emergency fund for unexpected medical costs.

With the right insurance and budgeting, you can get great healthcare while enjoying affordable living in Bali. Check your policy every year to make sure it still fits your health needs.

Lifestyle and Entertainment on a Budget

Living in Bali is a great way to enjoy life without spending a lot. You can find amazing experiences that are affordable. Just know where to look.

Leisure Activities and Socialising

Bali has many cheap ways to meet people and stay active. You can join coworking spaces for about $100 a month. They offer good internet and chances to network.

Yoga classes are just $5-10 each, with discounts for packages. Local gyms cost $30-50 a month for full access. And, many social events and expat gatherings are free or very cheap.

Low-Cost Ways to Enjoy Bali’s Culture

Discover Balinese culture without spending a lot. Temple ceremonies are free, but donations are welcome. Traditional dance performances in local settings cost only a few dollars.

Local festivals offer great cultural experiences for little to no cost. You can visit artisan workshops and learn about Balinese traditions. These activities are affordable and enrich your understanding of local life.

Travel and Exploration within the Island

Exploring Bali’s different areas doesn’t have to be expensive. You can find hidden spots using cheap transport. Many places offer authentic experiences at lower prices than southern Bali.

Affordable Day Trips and Attractions

Sidemen Valley has stunning rice terraces and hiking trails with no entrance fees. The trip there is cheap, and you can eat at local warungs for little money.

Amed on the east coast is great for snorkeling, with gear rental for just a few dollars. You can see vibrant coral reefs. North Bali has beautiful waterfalls like Gitgit and Sekumpul, with small entrance fees that help local communities.

These places help you enjoy Bali’s beauty without spending a lot. You can have unforgettable adventures without the high costs of tourist areas.

Step-by-Step Guide to Creating Your Bali Budget

Creating a Bali budget needs careful planning and ongoing management. This guide will help you through each step. It ensures your finances stay healthy while enjoying island life.

Assessing Your Income and Expenses

First, calculate your expected Australian income. This includes pensions, remote work, or savings. Be realistic about your monthly income.

Then, list all your Bali expenses. Include accommodation, food, transport, utilities, and leisure activities. Don’t forget visa costs and health insurance.

Compare your income with expenses. This shows if you need to adjust your lifestyle or find more income.

Tools for Tracking Spending

Use budgeting apps like Wallet or Spendee to track your spending. These apps are great for expats and work on all devices.

Create spending categories that fit your Bali lifestyle. Track local market purchases separately from supermarket spending.

Review your spending weekly. This helps you spot patterns and make adjustments before small issues become big problems.

Setting Realistic Financial Goals

Determine what lifestyle you can afford in Bali. Be honest about your financial limits from the start.

Set monthly spending limits for different categories. Allow some flexibility for unexpected costs or special experiences.

Establish savings goals if you plan to travel around Indonesia or make larger purchases during your stay.

Tips for Sticking to Your Budget

Avoid impulse purchases by implementing a 24-hour rule for non-essential items. This simple pause prevents budget-busting decisions.

Use cash for daily expenses rather than cards. Seeing money leave your wallet creates stronger spending awareness.

Find free or low-cost activities that align with Bali’s culture. Temple visits, beach days, and local festivals offer rich experiences without high costs.

Adjusting Your Budget for Seasonal Changes

Bali’s tourist seasons significantly affect prices. High season (June-August and December) brings higher accommodation and activity costs.

Plan for these fluctuations by building seasonal buffers into your budget. Reduce spending in low season to balance increased high season expenses.

Monitor local events and holidays that might temporarily increase prices. Nyepi (Balinese Day of Silence) and other cultural celebrations can affect availability and costs.

Managing Currency Exchange and Transfers

Use reputable services like Wise or OFX for AUD to IDR transfers. These typically offer better rates than local money changers.

Time your transfers strategically. Monitor exchange rates and transfer larger amounts when the rate favors the Australian dollar.

Keep some Australian dollars accessible for emergency situations. Having backup funds in your home currency provides security during market fluctuations.

Understand transfer fees and processing times. Factor these into your budgeting to avoid unexpected costs reducing your available funds.

Conclusion

Bali’s cost of living is much lower than in most Australian cities. You can live comfortably without breaking the bank.

Be smart with your spending, focusing on accommodation, food, and transport. Use local markets, rent scooters, and share housing to save money.

Being financially ready is key for a smooth move. Check your budget often and adjust for seasonal changes.

Adapting to the culture will make your experience richer. Dive into local customs and communities to enjoy island life fully.

Use this guide to make a budget for your Bali move. Start planning now for a fulfilling and affordable life in 2025.

FAQ

How much does it cost to live comfortably in Bali as an Australian expat?

Living comfortably in Bali costs about $1,200–$1,800 AUD a month. This includes a nice place to stay, eating out, and fun activities. If you’re careful with your spending, you can live on $800–$1,200 AUD monthly.

Is healthcare affordable and accessible in Bali for Australians?

Healthcare in Bali is cheaper than in Australia but varies in quality. Local clinics are affordable, while international hospitals offer better care at similar prices. It’s wise to have health insurance, with local plans starting at $50 AUD monthly.

What are the best areas in Bali for affordable accommodation?

Look for budget-friendly places in Canggu, Sanur, or Ubud’s outskirts. You can find villas or apartments for $300–$600 AUD monthly. For even cheaper options, consider shared spaces like Outpost or Tribal Bali.

How much should I budget for food and groceries each month?

Eating at local markets and warungs can cost $200–$300 AUD monthly. Supermarkets and western restaurants will cost more, around $400–$600 AUD. Street food is very affordable, starting at $2–$5 AUD.

What’s the most cost-effective way to get around Bali?

Renting a scooter is the cheapest option, costing $50–$100 AUD monthly plus fuel. Ride-sharing apps like GoJek and Grab are also affordable. Public transport is cheaper but less convenient.

Are utilities expensive in Bali, and how can I save on them?

Utilities like electricity, water, and internet cost $80–$150 AUD monthly for one person. Electricity is the biggest expense. Use fans, choose energy-efficient appliances, and local internet to save. Always check your bills to avoid overcharges.

How does Bali’s cost of living compare to Australian cities like Sydney or Melbourne?

Bali is much cheaper than Sydney or Melbourne. Renting a one-bedroom apartment in Bali is 60–70% less expensive. Your monthly expenses in Bali could be half of what you’d spend in Australia.

What should I know about managing money and currency exchange in Bali?

Use services like Wise or OFX for better exchange rates and lower fees. Keep track of your spending with apps like Wallet or Spendee. Always have cash for small places that don’t accept cards. Be aware of exchange rate changes, too.