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How Much Salary to Buy a RM400k House in Malaysia (2026)

Last updated: March 2026

To buy a RM400,000 house in Malaysia, you need a minimum salary of RM4,000/month (or RM5,000/month for comfortable repayment). Monthly instalment: RM1,660.

Affordability Breakdown

House PriceRM400,000
Loan Amount (90%)RM360,000
Down Payment (10%)RM40,000
Monthly InstalmentRM1,660
Min Salary (70% DSR)RM4,000/month
Ideal Salary (60% DSR)RM5,000/month
Interest Rate4.5% p.a.
Loan Tenure35 years

Who Can Afford This?

Mid-range M40 to T20 — comfortable with a stable career.

Professionals earning RM4,000–6,000 or dual-income households.

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 RM4,000/month but have a RM500/month car loan, your effective DSR headroom drops significantly. Instead of RM2,800/month available for housing, you would only have RM2,300/month — potentially disqualifying you for a RM400,000 property. Use our affordability calculator for a personalised breakdown based on your exact commitments.

Stamp Duty for RM400,000 Property

TierAmount
First RM100,000 @ 1%RM1,000
RM100,001–RM500,000 @ 2%RM6,000
Total Stamp Duty (MOT)RM7,000

First-time buyers may qualify for stamp duty exemptions on properties below RM500,000.

New Projects at This Price Range

Harta Rysa, 2-Storey Townhouse @ Bukit Cherakah, Puncak Alam, Selangor
New Launch

Harta Rysa, 2-Storey Townhouse @ Bukit Cherakah, Puncak Alam, Selangor

Shah Alam, Selangor

1,200 sq ft
From RM400k
TownhouseFreehold
Taman Serdang, 1-Storey Semi-D @ Bandar Baharu, Serdang, Kedah
New Launch

Taman Serdang, 1-Storey Semi-D @ Bandar Baharu, Serdang, Kedah

Serdang, Kedah

1,187 sq ft
From RM399k
Semi-D
1-Storey, Semi-D & Bungalow @ Pendang, Kedah
New Launch

1-Storey, Semi-D & Bungalow @ Pendang, Kedah

Pendang, Kedah

1,174 sq ft
From RM399k
Landed HouseLeasehold
See all projects below RM400,000 →

Gaji Untuk Beli Rumah RM400,000

Untuk membeli rumah berharga RM400,000 di Malaysia, gaji minimum yang diperlukan ialah RM4,000 sebulan berdasarkan DSR 70% tanpa komitmen lain. Ansuran bulanan lebih kurang RM1,660 dengan kadar faedah 4.5% dan tempoh 35 tahun. Bayaran muka (10%) sebanyak RM40,000 diperlukan.

← RM300,000RM500,000 →

Frequently Asked Questions

How much salary do I need to buy a RM400,000 house?▼
You need a minimum salary of RM4,000/month to buy a RM400,000 house in Malaysia, based on a 70% DSR ratio with no other commitments. For a more comfortable 60% DSR, aim for RM5,000/month. Monthly instalment is approximately RM1,660.
What is the monthly instalment for a RM400,000 house loan?▼
The monthly instalment for a RM400,000 house with a 90% loan (RM360,000) at 4.5% interest over 35 years is approximately RM1,660. This does not include MRTA/MLTA insurance or fire insurance.
Can I buy a RM400,000 house with RM4,000 salary?▼
Yes, RM4,000/month is the minimum salary required at 70% DSR — but this assumes zero other monthly commitments. If you have a car loan (e.g. RM500/month), you would need a higher salary. Use our affordability calculator for a personalised breakdown.
Full Salary GuideAffordability CalculatorKelayakan Beli RumahHousing Schemes

Figures are estimates. Consult a licensed financial advisor before making property decisions.