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How Much Salary to Buy a RM600k House in Malaysia (2026)

Last updated: March 2026

To buy a RM600,000 house in Malaysia, you need a minimum salary of RM6,000/month (or RM7,500/month for comfortable repayment). Monthly instalment: RM2,490.

Affordability Breakdown

House PriceRM600,000
Loan Amount (90%)RM540,000
Down Payment (10%)RM60,000
Monthly InstalmentRM2,490
Min Salary (70% DSR)RM6,000/month
Ideal Salary (60% DSR)RM7,500/month
Interest Rate4.5% p.a.
Loan Tenure35 years

Who Can Afford This?

T20 territory — requires established career or dual income.

Senior professionals or dual-income couples earning RM10,000+ combined.

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 RM6,000/month but have a RM500/month car loan, your effective DSR headroom drops significantly. Instead of RM4,200/month available for housing, you would only have RM3,700/month — potentially disqualifying you for a RM600,000 property. Use our affordability calculator for a personalised breakdown based on your exact commitments.

Stamp Duty for RM600,000 Property

TierAmount
First RM100,000 @ 1%RM1,000
RM100,001–RM500,000 @ 2%RM8,000
RM500,001–RM1,000,000 @ 3%RM3,000
Total Stamp Duty (MOT)RM12,000

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

New Projects at This Price Range

You City III, Cheras
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You City III, Cheras

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893 sq ft
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AMARE 2 @ SETIA ALAM, Shah Alam FREEHOLD
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AMARE 2 @ SETIA ALAM, Shah Alam FREEHOLD

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1,779 sq ft
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Dua Ruby Parkhomes, Double Storey Terrace @ Dengkil, Selangor
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Dua Ruby Parkhomes, Double Storey Terrace @ Dengkil, Selangor

Dengkil, Selangor

2,375 sq ft
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See all projects below RM600,000 →

Gaji Untuk Beli Rumah RM600,000

Untuk membeli rumah berharga RM600,000 di Malaysia, gaji minimum yang diperlukan ialah RM6,000 sebulan berdasarkan DSR 70% tanpa komitmen lain. Ansuran bulanan lebih kurang RM2,490 dengan kadar faedah 4.5% dan tempoh 35 tahun. Bayaran muka (10%) sebanyak RM60,000 diperlukan.

← RM500,000RM800,000 →

Frequently Asked Questions

How much salary do I need to buy a RM600,000 house?▼
You need a minimum salary of RM6,000/month to buy a RM600,000 house in Malaysia, based on a 70% DSR ratio with no other commitments. For a more comfortable 60% DSR, aim for RM7,500/month. Monthly instalment is approximately RM2,490.
What is the monthly instalment for a RM600,000 house loan?▼
The monthly instalment for a RM600,000 house with a 90% loan (RM540,000) at 4.5% interest over 35 years is approximately RM2,490. This does not include MRTA/MLTA insurance or fire insurance.
Can I buy a RM600,000 house with RM6,000 salary?▼
Yes, RM6,000/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.