Eco Beach City › Free tools › Total cost of owning a villa
Total cost of owning a villa in Bali: calculator
Short answer
Budget the price plus 2–4% for notary and legal checks, 12% VAT on a new build bought from a developer when it applies, furniture and connections, then the yearly costs: maintenance (often USD 2,000–5,000 for a villa), insurance (USD 500–2,000), estate fees and a small land tax. Example: a €250,000 off-plan villa comes to about €272,500 upfront and €6,000 a year, or €563 per night if you stay 30 nights a year for 25 years.
The price on the listing is only part of what a holiday home in Indonesia costs. This calculator adds the building extras, the fees and the yearly costs, and spreads them over the years and the nights you will actually use it.
Buying and building
Every year
Your plans
That is €16,900 a year of ownership. Rental income is left out on purpose: it is never guaranteed.
What goes into the total cost
Upfront: the land or lease, the house, foundations and site works, furniture, connections to power and water, VAT on new builds bought from a developer (12% in Indonesia when it applies), notary and legal fees, and your own due diligence.
Every year: the estate or community fee, maintenance, insurance and the land and building tax (PBB), which is small and on a leasehold is often passed to the tenant.
The per-night figure divides the yearly cost by the nights you will stay, so you can compare owning with renting the same kind of villa for your holidays.
About the two examples
The Bali example uses typical ranges published by local advisers; your villa will differ. The Eco Beach City example uses the prices in its September 2026 dossier (land from €6,500, Beach Cabin €28,500, furniture €4,500) and a community fee of €65 a month. Notary, lawyer, maintenance and insurance are the same kind of assumptions as in the Bali example, scaled to a smaller home: change them to your own figures, ask what is included in foundations and connections, and check current prices.
The two examples compared
Same method, same 25 years and 30 nights a year. Assumptions are listed in the calculator above; change them to your own.
| Off-plan villa in Bali (example) | Eco Beach City house in Sumba | |
|---|---|---|
| Upfront | €272,500 | €41,700 |
| Every year | €6,000 | €2,080 |
| Total over 25 years | €422,500 | €93,700 |
| Per year of ownership | €16,900 | €3,748 |
| Per night (30 nights a year) | €563 | €125 |
Questions people ask
What is the total cost of owning a villa in Bali?
Add the purchase or lease price, any building extras (foundations, connections, furniture), VAT on new builds, notary and legal fees (often 2–4% on top) and due diligence, then the yearly costs: estate fee, maintenance (often USD 2,000–5,000 for a villa), insurance and land tax.
What are the hidden costs of buying property in Bali?
Notary and legal fees, due diligence, VAT of 12% on new builds from developers, furniture and fit-out, connections, and the cost of extending a leasehold when it ends.
How much does it cost per year to maintain a villa in Bali?
Published ranges for a mid-range villa are about USD 2,000–5,000 a year for maintenance, USD 500–2,000 for insurance and a small land and building tax, plus any estate fee.
Is it cheaper to own or to rent a holiday villa?
Divide the yearly cost of owning by the nights you will stay and compare it with renting a similar villa. Owning wins when you stay many nights a year or for many years; renting wins for short, occasional stays.
Does this calculator include rental income?
No. Income is never guaranteed and depends on occupancy, prices and management, so it is left out to show what owning costs you.
More free tools
Sources
- Bali Property Rules · What foreigners actually pay to buy property in Bali
- A Brother Abroad · Bali villa construction calculator
- Bukit Vista · Villa construction costs 2026
- Bali Villa Realty · Hidden costs of buying property in Bali
Last reviewed 11 October 2026. General information, not legal, tax or financial advice. Rules change; check them with an independent Indonesian lawyer or notary before you sign anything.