Property Affordability Index Malaysia 2026

Which Malaysian states offer the best value for property buyers? Ranked by price-to-income ratio using DOSM income data and real new launch prices.

State Affordability Rankings 2026

Ranked from most affordable to least affordable based on price-to-income ratio.

How We Calculate the Affordability Index

The Formula

Price-to-Income Ratio = Median New Launch Price ÷ (Median Monthly Household Income × 12)

A ratio of 3.0x means the median property costs 3 times the median annual household income. Lower is more affordable.

Data Sources

  • 1.Income data — DOSM (Department of Statistics Malaysia) Household Income Survey, the official government dataset.
  • 2.Property prices — NewProjek project database of new launch developments across Malaysia.

Demographia Scale (International Benchmark)

<3.0x — Affordable
3.0–5.0x — Moderately Unaffordable
5.0–7.0x — Seriously Unaffordable
>7.0x — Severely Unaffordable

Affordability by State

Horizontal bars show the price-to-income ratio. Shorter and greener bars indicate better affordability.

Frequently Asked Questions

What is property affordability index?

The property affordability index measures how affordable housing is in a given area by comparing median property prices to median household income. A lower ratio means housing is more affordable. The internationally accepted benchmark (Demographia) considers a ratio of 3.0 or below as affordable.

Which is the most affordable state to buy property in Malaysia?

Data is currently being updated. Check back soon for the latest rankings.

What is a good price-to-income ratio for property?

According to the Demographia International Housing Affordability scale: below 3.0x is 'Affordable', 3.1-4.0x is 'Moderately Unaffordable', 4.1-5.0x is 'Seriously Unaffordable', and above 5.1x is 'Severely Unaffordable'. In the Malaysian context, a ratio below 5.0x is generally considered manageable for most households.

Negeri mana paling mampu milik untuk beli rumah?

Data sedang dikemaskini. Sila semak semula untuk kedudukan terkini.

How is the affordability index calculated?

We calculate the price-to-income ratio by dividing the median new launch property price (from our database) by the annual median household income (from DOSM's Household Income Survey). For example, if the median property price is RM400,000 and the median annual household income is RM80,000, the ratio would be 5.0x.

Indeks Mampu Milik Hartanah Malaysia 2026

Indeks mampu milik hartanah mengukur kemampuan rakyat membeli rumah berdasarkan nisbah harga-kepada-pendapatan (price-to-income ratio). Nisbah ini dikira dengan membahagikan harga median hartanah baharu dengan pendapatan tahunan median isi rumah, menggunakan data rasmi dari Jabatan Perangkaan Malaysia (DOSM).

Can You Afford to Buy a House?

State-level data gives you the big picture. Check your personal affordability based on your actual income, savings, and commitments.

Check Your Personal Affordability

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