Living in Bali: the ultimate expat guide

Bali’s economy relies heavily on tourism, hospitality, and small businesses. Many international residents work remotely or freelance for overseas companies, but formal employment with local businesses usually requires proper work permits and sponsorship.

Key industries and roles

Top sectors include tourism and hospitality, food and beverage, and creative or digital services. Job opportunities for foreigners are limited in regulated roles, especially in positions that can be filled by Indonesian workers. Many expats either work remotely for foreign companies or start their own legally registered businesses, commonly as a PT PMA (a foreign‑owned company)

Work permits and rules

To legally work in Bali long-term, you must follow a complex, multi-step authorization process. This starts with securing an approved RPTKA (Foreign Worker Utilization Plan) from the Ministry of Manpower, which must be sponsored by an eligible Indonesian entity. Once this plan is approved and the requisite fees are paid, the employer can obtain the specific work authorization (often still referred to as an IMTA) necessary to apply for the final KITAS (Limited Stay Permit) from Immigration. Short-term business activity is possible with approved business visas, but these visa types explicitly prohibit formal employment by or payment from Indonesian companies.

Data correct as of November 2025.

Sources: BPS - Statistics Indonesia, Numbeo

Bali is home to several higher‑education and professional institutions offering international programs, although many students still opt for larger Indonesian cities to access a broader selection of degrees.

Main institutions

Among the most prominent is Udayana University in Denpasar, which offers undergraduate and postgraduate programs, including English‑medium international tracks, double‑degree options, and student exchange opportunities. Warmadewa University, a private university in Denpasar, also provides undergraduate, postgraduate, and professional programs, including an international program for selected fields.

Fees and admission

Tuition in Bali is generally more affordable than in Western countries, though it varies significantly between public institutions like Udayana and smaller private schools. International applicants to Udayana must submit certified academic records, proof of English proficiency (e.g., TOEFL, IELTS, or Duolingo), a financial guarantee, and other required documentation. Students staying for more than short-term courses require a student visa (VITAS C.316) and a limited-stay permit (ITAS).

Sources: Udayana University, Warmadewa University

Bali is a popular choice for retirees who meet Indonesian visa and financial requirements. It combines a welcoming expat community with vibrant local culture and a relaxed way of life.

Healthcare and insurance

Indonesia offers long stay visas and limited retirement permits for people who meet eligibility rules. Requirements can change, so it is important to review official guidance and confirm details with the Directorate General of Immigration. Public healthcare is available, though many expat retirees prefer private clinics for faster service and more comprehensive care.

Living costs and community

There is a wide mix of neighborhoods across Bali, from the vibrant and heavily developed coastal hubs like Canggu and Seminyak to the quieter, tradition-focused inland villages found around Sidemen and other rural areas. Costs depend on where you settle and how you like to live. Many retirees enjoy the mix of local culture and active expat communities, which makes it easy to meet people and settle in.

Sources: Directorate General of Immigration Indonesia

Bali is home to numerous public schools and private international schools that follow international curricula. Quality and language support vary across districts, so it is a good idea to research your options as soon as you can.

Local public education

Public schools in Bali follow the national curriculum, and enrollment involves providing proof of residency and visa status, birth certificates, and immunization records. Instruction is in Bahasa Indonesia, and English language support may be limited in some schools.

International schools and fees

International schools in Bali offer curricula such as the International Baccalaureate and Cambridge (British) programs. Fees vary widely, and demand can be high in popular expat areas, so early research and applications are recommended.

Sources: Ministry of Primary and Secondary Education

Accommodation in Bali includes options such as guesthouses, apartments and modern villas. It is common for different areas of the island to offer their own mix of styles, layouts and levels of privacy.

Where expats live

Popular areas for expats include Canggu, Seminyak, Ubud and Sanur. Each district offers a different lifestyle, from coastal communities to quieter inland neighborhoods. Housing standards and available services vary by area, so visiting locations will help you decide which one best suits your needs.

Rental prices and rental process

Typical rental steps include providing identity documents, a security deposit and signing a written agreement. Some landlords may ask for proof of visa status or references, and longer contracts often require payments on a fixed schedule. Checking the agreement carefully helps ensure both parties understand their responsibilities.

Data correct as of November 2025.

Source: Numbeo

Bali is known for its art, spirituality, and community — from temple rituals to yoga retreats, the island never lacks inspiration and connection.

Museums parks and culture

Highlights include the Puri Lukisan Museum in Ubud, which showcases both classical and modern Balinese art in a serene garden setting. For culture lovers, Ubud also hosts regular traditional performances and markets, while island-wide temple festivals such as Odalan feature music, dance, and large communal celebrations. Outdoor escapes range from scenic rice terraces and walking trails to sacred forest temples.

Sports and social life

Surfing is a major part of life in coastal areas, and the island’s wellness scene encompasses yoga, meditation and retreat programs. Expat clubs offer plenty of opportunities for getting involved in sports, volunteering or the arts. Nightlife, especially in Seminyak and Canggu delivers a mix of laid-back bars and beach clubs.

Sources: Bali Provincial Government, Puri Lukisan Museum

In Bali, as in many places, daily life revolves around practical routines like shopping for groceries, preparing meals, and commuting to work or school. Local markets, small shops, and warungs (a small shop or eatery) provide everyday necessities, while modern conveniences such as supermarkets, clinics, and internet are widely accessible.

Getting around

There’s no extensive public transport system, so most people rely on scooters, taxis, or ride‑hailing apps. Scooter rentals are a very common and affordable option.

Internet and phone services

High‑speed fiber-optic internet is widely available in popular areas like Ubud, Canggu, and Seminyak. Prepaid SIM cards from providers such as Telkomsel, XL, or Indosat are easy to obtain and top up, providing reliable mobile and data coverage across the island.

The cost of living in Bali is generally lower than in Western countries, though it varies by location and lifestyle.

Monthly expenses for a single person

Data correct as of November 2025.

Monthly expenses for a family of four

Data correct as of November 2025.

Sources: Numbeo, Visa Indonesia