Can You Afford a House in Johor? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Johor.
Quick Answer — Can you afford a house in Johor?
The median household income in Johor is RM6,879/month (2022 DOSM data). On this income, you can afford a property up to approximately RM1.0 mil (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM510k — a price-to-income ratio of 6.2x. This is above the 5x affordability threshold, meaning many households may need dual incomes or a longer savings period.
Kalkulator Kelayakan — Mampu Beli Rumah di Johor?
Adjust your monthly household income to see what you can afford. Pre-filled with Johor's median income.
Income vs Property Prices in Johor
New Launch Price Distribution — Johor
Bars in coral = within your budget at RM6,879/month income
Stamp Duty & Legal Fees Estimate — RM1.0 mil Property
Based on the median-income affordable price of RM1.0 mil in Johor:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Johor
Median household income growth in Johor over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 2,726 | 3,457 | — |
| 2009 | 2,958 | 3,835 | +8.5% |
| 2012 | 3,650 | 4,658 | +23.4% |
| 2014 | 5,197 | 6,207 | +42.4% |
| 2016 | 5,652 | 6,928 | +8.8% |
| 2019 | 6,427 | 8,013 | +13.7% |
| 2020 | 5,690 | 7,264 | -11.5% |
| 2022 | 6,879 | 8,517 | +20.9% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Johor Within Median-Income Budget
These projects start below RM1.0 mil — affordable on Johor's median household income.
UEM Sunrise
Meridin Bayvue
Iskandar Puteri, Johor
Mah Sing Group
M Grand Minori
Johor Bahru, Johor
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Clover (A8A) | Double Storey Cluster House, Taman Pulai Mutiara, Johor Bahru
Johor Bahru, Johor
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Piccolo @ Bandar Putra Kulai, Johor
Kulai, Johor
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Maison One @ Taman Mutiara Maju, Skudai, Johor Bahru
Johor Bahru, Johor
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Aspira Gardens @ Iskandar Puteri, Johor
Johor Bahru, Johor
Property Affordability in Johor — What the Data Shows
Based on DOSM 2022 data, the median household income in Johor is RM6,879/month (RM82,548/year). The mean (average) is higher at RM8,517/month, indicating that higher-income households pull the average up.
With a median new launch price of RM510k, the price-to-income ratio stands at 6.2x. The international benchmark for housing affordability is 3–5x annual income. Johor currently exceeds this benchmark, meaning property here may be a stretch for single-income households at the median. Dual-income households or above-median earners have significantly more options.
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 Johor — Mampu Beli Rumah 2026
Mampu ke beli rumah di Johor? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Johor adalah RM6,879 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM1.0 mil (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 Johor. 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 Johor
Berapa gaji minimum untuk beli rumah di Johor?
Berdasarkan harga hartanah semasa di Johor, gaji minimum RM3,603/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 Johor?
According to DOSM 2022 data, the median household income in Johor is RM6,879/month, while the mean (average) is RM8,517/month.
Mampu ke beli rumah gaji RM7000 di Johor?
Dengan gaji RM7000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM1.0 mil. Di Johor, terdapat 6+ projek baru dalam bajet ini.
How much house can I afford in Johor on the median salary?
On the Johor median household income of RM6,879/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM1.0 mil.
Is Johor affordable for property buyers in 2026?
The price-to-income ratio in Johor is 6.2x. This exceeds the 5x affordability threshold, suggesting many households may need dual incomes or longer savings periods.
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.
Check Affordability in Other States
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