Travel & lifestyle

Is Buying Property in Bali as a Foreigner a Good Idea?

Foreigners can buy property in Bali, but not directly. You’ll need to go through leasehold options, set up a PT PMA, or explore other legal frameworks

Can You Buy Property in Bali as a Foreigner?

Dreaming of owning your own little slice of paradise in Bali? You’re not alone. With its stunning beaches, vibrant culture, and laid-back lifestyle, Bali has a magnetic pull on travelers, digital nomads, and long-term expats alike. But before you start browsing beachfront villas or planning your poolside cocktail menu, there’s one important question to answer: can foreigners actually buy property in Bali?

The short answer? Yes—but it’s complicated.

What’s the Deal with Foreigners Buying Property in Bali?

Indonesia has some pretty strict laws when it comes to land ownership. In fact, foreign nationals technically can’t own land outright (what’s known as Hak Milik or freehold ownership). That privilege is reserved for Indonesian citizens only. Even Indonesians with dual citizenship can lose their rights to own land if they don’t renounce their foreign nationality.

But that doesn’t mean it’s impossible for foreigners to enjoy long-term property arrangements in Bali. You just have to play by the local rules—and they’re not always straightforward.

Your Legal Options as a Foreigner

If you're not an Indonesian citizen, here are your main legal pathways to property access in Bali:

  • Hak Pakai (Right to Use): This is the most common option for expats. You can lease property for 25 years, with an option to extend up to 70 years total. It’s great if you’re planning to live in the home or rent it out long-term.
  • Hak Guna Bangunan (Right to Build): This lets you build on a leased piece of land for up to 80 years. But it’s typically reserved for companies (which we’ll get into in a second).
  • PT PMA (Foreign-Owned Company): Want to go the business route? You can set up a PT PMA—essentially an Indonesian LLC with foreign shareholders. This lets your company own property in its name. It's complex but often seen as a safer long-term bet.
  • Local Partnership (Not Recommended): You might hear of foreigners buying through an Indonesian partner, but this method comes with big risks—think legal disputes, debt liability, or even losing your property entirely.
  • Marriage to an Indonesian Citizen: Foreigners married to Indonesians have a bit more flexibility, but there are still strings attached. You'll also need to hold a valid KITAS (limited stay visa).

Minimum Investment Requirements

Let’s talk numbers. The Indonesian government sets minimum property value thresholds for foreign buyers. In Bali, you can’t purchase anything below IDR 3 billion (roughly USD 202,000). That amount varies by region—so don’t expect to snag a beach bungalow for pennies.

Bali Real Estate Prices: What to Expect

Like many popular destinations, Bali’s real estate market is all about location. Pre-COVID, a 2-bedroom villa in Seminyak or Canggu might have set you back around USD 600,000. In less touristy spots like Jimbaran or Nusa Dua, prices were more affordable—closer to USD 350,000.

Post-pandemic, things shifted. You can now find entry-level villas in the USD 90,000–150,000 range, especially from developers trying to attract international investors. But if something sounds too good to be true, it probably is. Always double-check zoning laws, land classification, and legal terms before signing anything.

Who Can Help You Navigate the Process?

The best advice? Don’t go it alone. A reputable local notary (called a notaris), a bilingual real estate agent familiar with foreign ownership, and a legal advisor are all essential. They’ll help you verify property status, ensure contracts are watertight, and protect you from costly mistakes.

Bonus Advice: Protect More Than Your Property

If you’re making Bali your home—or even your long-term travel base—don’t forget to secure your personal well-being too. Investing in health insurance or travel insurance coverage gives you peace of mind in case of accidents, illness, or unexpected surprises (yes, even "Bali belly").

💡Planning a big move or long-term stay in Bali? Protect your health and your investment—get a custom travel insurance Bali or health insurance Asia quote from Pacific Cross today.

🏡 Paradise is nice—but it’s even better when you’re covered.

Minimum Investment Requirements

Let’s talk numbers. The Indonesian government sets minimum property value thresholds for foreign buyers. In Bali, you can’t purchase anything below IDR 3 billion (roughly USD 202,000). That amount varies by region—so don’t expect to snag a beach bungalow for pennies.

Bali Real Estate Prices: What to Expect

Like many popular destinations, Bali’s real estate market is all about location. Pre-COVID, a 2-bedroom villa in Seminyak or Canggu might have set you back around USD 600,000. In less touristy spots like Jimbaran or Nusa Dua, prices were more affordable—closer to USD 350,000.

Post-pandemic, things shifted. You can now find entry-level villas in the USD 90,000–150,000 range, especially from developers trying to attract international investors. But if something sounds too good to be true, it probably is. Always double-check zoning laws, land classification, and legal terms before signing anything.

Who Can Help You Navigate the Process?

The best advice? Don’t go it alone. A reputable local notary (called a notaris), a bilingual real estate agent familiar with foreign ownership, and a legal advisor are all essential. They’ll help you verify property status, ensure contracts are watertight, and protect you from costly mistakes.

Bonus Advice: Protect More Than Your Property

If you’re making Bali your home—or even your long-term travel base—don’t forget to secure your personal well-being too. Investing in health insurance for Asia plans or travel insurance Bali coverage gives you peace of mind in case of accidents, illness, or unexpected surprises (yes, even "Bali belly").

Get insured now.

Apply here in 3 easy steps.
Buy now