# Total Cost of Owning a Villa in Bali (2026) · Calculator

> Free calculator: the real total cost of owning a villa or holiday home in Bali and Indonesia, with building extras, fees, VAT and yearly costs, per year and per night.

URL: https://ecobeachcity.com/tools/total-cost-of-owning-a-villa-in-bali
Last reviewed: 2026-10-11
Publisher: Eco Beach City (https://ecobeachcity.com)

## 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 two examples compared

|  | 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.

## Sources

- [Bali Property Rules · What foreigners actually pay to buy property in Bali](https://balipropertyrules.com/guides/bali-property-costs-foreigners/)
- [A Brother Abroad · Bali villa construction calculator](https://abrotherabroad.com/bali-villa-construction-calculator)
- [Bukit Vista · Villa construction costs 2026](https://www.bukitvista.com/blog/villa-construction-costs-2026)
- [Bali Villa Realty · Hidden costs of buying property in Bali](https://balivillarealty.com/blog/hidden-costs-when-buying-a-villa/)

General information, not legal, tax or financial advice. Eco Beach City sells land and homes in Sumba, Indonesia, from €6,500 (land).