How Much Salary to Buy a RM300k House in Malaysia (2026)
Last updated: March 2026
To buy a RM300,000 house in Malaysia, you need a minimum salary of RM3,000/month (or RM3,500/month for comfortable repayment). Monthly instalment: RM1,245.
Affordability Breakdown
| House Price | RM300,000 |
| Loan Amount (90%) | RM270,000 |
| Down Payment (10%) | RM30,000 |
| Monthly Instalment | RM1,245 |
| Min Salary (70% DSR) | RM3,000/month |
| Ideal Salary (60% DSR) | RM3,500/month |
| Interest Rate | 4.5% p.a. |
| Loan Tenure | 35 years |
Who Can Afford This?
Sweet spot for M40 earners and young couples.
Single earners RM3,000–4,000 or couples with combined RM5,000+.
What If I Have Existing Commitments?
The minimum salary figures above assume zero other monthly commitments. In reality, most Malaysians have existing obligations — PTPTN loan repayments, car instalments, credit card minimum payments or personal loans. Each of these reduces your available DSR headroom, meaning you would need a higher salary to qualify for the same loan amount.
For example, if you earn RM3,000/month but have a RM500/month car loan, your effective DSR headroom drops significantly. Instead of RM2,100/month available for housing, you would only have RM1,600/month — potentially disqualifying you for a RM300,000 property. Use our affordability calculator for a personalised breakdown based on your exact commitments.
Stamp Duty for RM300,000 Property
| Tier | Amount |
|---|---|
| First RM100,000 @ 1% | RM1,000 |
| RM100,001–RM500,000 @ 2% | RM4,000 |
| Total Stamp Duty (MOT) | RM5,000 |
First-time buyers may qualify for stamp duty exemptions on properties below RM500,000.
New Projects at This Price Range
Malton Berhad
Ria Bangsar South
Bangsar South, Kuala Lumpur
Taman Serai Emas, 1-Storey & 2-Storey Terrace @ Bagan Serai, Parit Buntar, Perak
Parit Buntar, Perak
1 & 2 Storey Terrace @ Taman Seri Bertam, Melaka Tengah
Melaka Tengah, Melaka
Gaji Untuk Beli Rumah RM300,000
Untuk membeli rumah berharga RM300,000 di Malaysia, gaji minimum yang diperlukan ialah RM3,000 sebulan berdasarkan DSR 70% tanpa komitmen lain. Ansuran bulanan lebih kurang RM1,245 dengan kadar faedah 4.5% dan tempoh 35 tahun. Bayaran muka (10%) sebanyak RM30,000 diperlukan.
Frequently Asked Questions
How much salary do I need to buy a RM300,000 house?▼
What is the monthly instalment for a RM300,000 house loan?▼
Can I buy a RM300,000 house with RM3,000 salary?▼
Figures are estimates. Consult a licensed financial advisor before making property decisions.