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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

Laelia II
Under Construction

SP Setia

Laelia II

Selangor

From RM600k
Aras Residences
New Launch

Aras Residences

Old Klang Road, Kuala Lumpur

From RM599k
CondominiumFreeholdEst. 2029
Dua Ruby Parkhomes, Double Storey Terrace @ Dengkil, Selangor
Completed

Dua Ruby Parkhomes, Double Storey Terrace @ Dengkil, Selangor

Dengkil, Selangor

2,375 sq ft
From RM599k
Landed House
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.