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How Much Salary to Buy a RM500k House in Malaysia (2026)

Last updated: March 2026

To buy a RM500,000 house in Malaysia, you need a minimum salary of RM5,000/month (or RM6,000/month for comfortable repayment). Monthly instalment: RM2,075.

Affordability Breakdown

House PriceRM500,000
Loan Amount (90%)RM450,000
Down Payment (10%)RM50,000
Monthly InstalmentRM2,075
Min Salary (70% DSR)RM5,000/month
Ideal Salary (60% DSR)RM6,000/month
Interest Rate4.5% p.a.
Loan Tenure35 years

Who Can Afford This?

Upper M40 to lower T20 — requires stable income or dual earners.

Professionals or couples with combined income RM8,000–10,000.

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 RM5,000/month but have a RM500/month car loan, your effective DSR headroom drops significantly. Instead of RM3,500/month available for housing, you would only have RM3,000/month — potentially disqualifying you for a RM500,000 property. Use our affordability calculator for a personalised breakdown based on your exact commitments.

Stamp Duty for RM500,000 Property

TierAmount
First RM100,000 @ 1%RM1,000
RM100,001–RM500,000 @ 2%RM8,000
Total Stamp Duty (MOT)RM9,000

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

New Projects at This Price Range

Mekarsari Phase15, Terrace House @ Bertam, Kepala Batas
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Mekarsari Phase15, Terrace House @ Bertam, Kepala Batas

Kepala Batas, Penang

2,061 sq ft
From RM500k
Landed House
Sinaran Residences @ Utropolis Batu Kawan, Penang
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Sinaran Residences @ Utropolis Batu Kawan, Penang

Batu Kawan, Penang

667 sq ft
From RM500k
Serviced ApartmentFreehold
Seindah Fasa 1, Single Storey Semi-D @ Kuantan, Pahang
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Seindah Fasa 1, Single Storey Semi-D @ Kuantan, Pahang

Kuantan, Pahang

1,200 sq ft
From RM499k
Semi-DLeasehold
See all projects below RM500,000 →

Gaji Untuk Beli Rumah RM500,000

Untuk membeli rumah berharga RM500,000 di Malaysia, gaji minimum yang diperlukan ialah RM5,000 sebulan berdasarkan DSR 70% tanpa komitmen lain. Ansuran bulanan lebih kurang RM2,075 dengan kadar faedah 4.5% dan tempoh 35 tahun. Bayaran muka (10%) sebanyak RM50,000 diperlukan.

← RM400,000RM600,000 →

Frequently Asked Questions

How much salary do I need to buy a RM500,000 house?▼
You need a minimum salary of RM5,000/month to buy a RM500,000 house in Malaysia, based on a 70% DSR ratio with no other commitments. For a more comfortable 60% DSR, aim for RM6,000/month. Monthly instalment is approximately RM2,075.
What is the monthly instalment for a RM500,000 house loan?▼
The monthly instalment for a RM500,000 house with a 90% loan (RM450,000) at 4.5% interest over 35 years is approximately RM2,075. This does not include MRTA/MLTA insurance or fire insurance.
Can I buy a RM500,000 house with RM5,000 salary?▼
Yes, RM5,000/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.