Kelayakan Beli Rumah Di Negeri Sembilan 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Negeri Sembilan.
Quick Answer — Can you afford a house in Negeri Sembilan?
The median household income in Negeri Sembilan is RM5,226/month (2022 DOSM data). On this income, you can afford a property up to approximately RM741k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM266k — a price-to-income ratio of 4.2x. This is within the 5x affordability threshold — good news for buyers.
Kalkulator Kelayakan Beli Rumah di Negeri Sembilan
Adjust your monthly household income to see what you can afford. Pre-filled with Negeri Sembilan's median income.
Income vs Property Prices in Negeri Sembilan
New Launch Price Distribution — Negeri Sembilan
Bars in coral = within your budget at RM5,226/month income
Stamp Duty & Legal Fees Estimate — RM741k Property
Based on the median-income affordable price of RM741k in Negeri Sembilan:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Negeri Sembilan
Median household income growth in Negeri Sembilan over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 2,556 | 3,336 | — |
| 2009 | 2,711 | 3,540 | +6.1% |
| 2012 | 3,575 | 4,576 | +31.9% |
| 2014 | 4,128 | 5,271 | +15.5% |
| 2016 | 4,579 | 5,887 | +10.9% |
| 2019 | 5,005 | 6,707 | +9.3% |
| 2020 | 4,478 | 6,184 | -10.5% |
| 2022 | 5,226 | 6,788 | +16.7% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Negeri Sembilan Within Median-Income Budget
These projects start below RM741k — affordable on Negeri Sembilan's median household income.
View all 5 projects in Negeri Sembilan →
Property Affordability in Negeri Sembilan — What the Data Shows
Based on DOSM 2022 data, the median household income in Negeri Sembilan is RM5,226/month (RM62,712/year). The mean (average) is higher at RM6,788/month, indicating that higher-income households pull the average up.
With a median new launch price of RM266k, the price-to-income ratio stands at 4.2x. The international benchmark for housing affordability is 3–5x annual income. Negeri Sembilan falls within this benchmark, making it relatively affordable compared to other Malaysian states.
To check your personal affordability, adjust the salary slider above. You can also explore our full affordability calculator for a detailed DSR breakdown with savings gap analysis.
Kira Kelayakan Beli Rumah di Negeri Sembilan 2026
Layak ke anda beli rumah di Negeri Sembilan? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Negeri Sembilan adalah RM5,226 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM741k (dengan pinjaman 35 tahun, kadar faedah 4.5%, dan komitmen sedia ada RM500).
Gunakan kalkulator kelayakan di atas untuk semak sama ada gaji anda cukup untuk beli rumah di Negeri Sembilan. Masukkan pendapatan bulanan anda dan lihat berapa harga rumah maksimum yang anda layak.
Untuk pengiraan duti setem dan fi guaman, gunakan Kalkulator Duti Setem. Untuk kira ansuran bulanan pinjaman perumahan, gunakan Kalkulator Pinjaman Rumah.
Soalan Lazim — Beli Rumah di Negeri Sembilan
Berapa gaji minimum untuk beli rumah di Negeri Sembilan?
Berdasarkan harga hartanah semasa di Negeri Sembilan, gaji minimum RM2,119/bulan diperlukan (70% DSR, 35 tahun, kadar 4.5%). Gunakan kalkulator di atas untuk kira berdasarkan gaji anda.
What is the average household income in Negeri Sembilan?
According to DOSM 2022 data, the median household income in Negeri Sembilan is RM5,226/month, while the mean (average) is RM6,788/month.
Mampu ke beli rumah gaji RM5000 di Negeri Sembilan?
Dengan gaji RM5000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM741k. Di Negeri Sembilan, terdapat 1+ projek baru dalam bajet ini.
How much house can I afford in Negeri Sembilan on the median salary?
On the Negeri Sembilan median household income of RM5,226/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM741k.
Is Negeri Sembilan affordable for property buyers in 2026?
The price-to-income ratio in Negeri Sembilan is 4.2x. This is within the internationally accepted 5x affordability benchmark, making it relatively accessible.
Apakah kadar DSR yang bank gunakan di Malaysia?
Bank di Malaysia biasanya menggunakan DSR (Debt Service Ratio) maksimum 70% untuk kelulusan pinjaman perumahan. Ini bermakna jumlah semua ansuran bulanan (termasuk pinjaman baru) tidak boleh melebihi 70% daripada pendapatan kasar. DSR 60% dianggap lebih selesa.
Semak Kelayakan di Negeri Lain
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