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 Price | RM500,000 |
| Loan Amount (90%) | RM450,000 |
| Down Payment (10%) | RM50,000 |
| Monthly Instalment | RM2,075 |
| Min Salary (70% DSR) | RM5,000/month |
| Ideal Salary (60% DSR) | RM6,000/month |
| Interest Rate | 4.5% p.a. |
| Loan Tenure | 35 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
| Tier | Amount |
|---|---|
| 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
Mah Sing Group
Allamanda 3 @ Meridin East
Pasir Gudang, Johor
UOA Development Bhd
UOA TOWER (EN) @ KL
Kuala Lumpur, Kuala Lumpur
Glomac
The resource cannot be by Glomac
Kuala Lumpur, Selangor
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.
Frequently Asked Questions
How much salary do I need to buy a RM500,000 house?▼
What is the monthly instalment for a RM500,000 house loan?▼
Can I buy a RM500,000 house with RM5,000 salary?▼
Figures are estimates. Consult a licensed financial advisor before making property decisions.