Kos Sara Hidup di Malaysia Mengikut Negeri 2026
Bandingkan kos hidup, perbelanjaan bulanan, dan baki pendapatan untuk bayar rumah di setiap negeri.
Compare cost of living, monthly expenses, and disposable income for property buyers
Kos Sara Hidup & Baki Pendapatan Mengikut Negeri
| # | Negeri | CPI Index | Perbelanjaan (est.) | Median Income | Baki untuk Rumah | |
|---|---|---|---|---|---|---|
| 1 | Kuala Lumpur | 137.6 | RM2,875 | RM10,802 | RM7,927 | Lihat → |
| 2 | Putrajaya | 144 | RM3,008 | RM10,769 | RM7,761 | Lihat → |
| 3 | Selangor | 143.8 | RM3,004 | RM10,726 | RM7,722 | Lihat → |
| 4 | Johor | 141.8 | RM2,962 | RM7,712 | RM4,750 | Lihat → |
| 5 | Labuan | 126.8 | RM2,649 | RM7,383 | RM4,734 | Lihat → |
| 6 | Pulau Pinang | 139.8 | RM2,921 | RM7,386 | RM4,465 | Lihat → |
| 7 | Melaka | 133.1 | RM2,781 | RM6,891 | RM4,110 | Lihat → |
| 8 | Terengganu | 130.9 | RM2,735 | RM6,627 | RM3,892 | Lihat → |
| 9 | Sarawak | 129 | RM2,695 | RM5,504 | RM2,809 | Lihat → |
| 10 | Negeri Sembilan | 136.4 | RM2,850 | RM5,591 | RM2,741 | Lihat → |
| 11 | Perlis | 127.5 | RM2,664 | RM4,950 | RM2,286 | Lihat → |
| 12 | Sabah | 126 | RM2,632 | RM4,890 | RM2,258 | Lihat → |
| 13 | Kedah | 130.9 | RM2,735 | RM4,895 | RM2,160 | Lihat → |
| 14 | Pahang | 135.8 | RM2,837 | RM4,975 | RM2,138 | Lihat → |
| 15 | Perak | 130.3 | RM2,722 | RM4,687 | RM1,965 | Lihat → |
| 16 | Kelantan | 130.7 | RM2,731 | RM4,083 | RM1,352 | Lihat → |
Kuala Lumpur
Putrajaya
Selangor
Johor
Labuan
Pulau Pinang
Melaka
Terengganu
Sarawak
Negeri Sembilan
Perlis
Sabah
Kedah
Pahang
Perak
Kelantan
Sabah
Putrajaya
Kuala Lumpur
Which States Have the Most Left for Mortgage?
States with more disposable income = more mortgage capacity
How Cost of Living Affects Property Affordability
Property affordability is not just about house prices and salaries — it depends heavily on how much of your income is consumed by daily expenses. A state with a lower CPI (Consumer Price Index) but decent median household income leaves more disposable income available for mortgage repayments.
This is why some states are more affordable for property buyers despite having similar property prices. For example, a household in a low-cost state might have RM3,000+ left after expenses, enough to service a RM400k–500k property loan, while a household in a high-cost state with the same income may struggle with a RM250k property.
We calculate estimated monthly expenses by benchmarking each state’s CPI against the national average and scaling from a RM2,800 baseline. This provides a relative comparison of living costs across all 16 states and federal territories.
Kos Sara Hidup Malaysia 2026 — Panduan Pembeli Rumah
Kos sara hidup Malaysia berbeza mengikut negeri. Indeks Harga Pengguna (CPI) menunjukkan perbezaan harga barangan dan perkhidmatan di setiap negeri. Negeri dengan kos sara hidup yang rendah membolehkan isi rumah menyimpan lebih banyak untuk bayaran bulanan rumah.
Perbelanjaan bulanan negeri yang lebih rendah bermakna lebih banyak baki pendapatan boleh digunakan untuk ansuran pinjaman perumahan. Ini menjadikan sesetengah negeri lebih mampu milik walaupun harga hartanah hampir sama.
Gunakan jadual di atas untuk membandingkan kos sara hidup di setiap negeri dan lihat negeri mana yang paling murah untuk tinggal dan paling sesuai untuk membeli rumah pertama anda.