Can You Afford a House in Kedah? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Kedah.
Quick Answer — Can you afford a house in Kedah?
The median household income in Kedah is RM4,402/month (2022 DOSM data). On this income, you can afford a property up to approximately RM606k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM550k — a price-to-income ratio of 10.4x. 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 Kedah?
Adjust your monthly household income to see what you can afford. Pre-filled with Kedah's median income.
Income vs Property Prices in Kedah
New Launch Price Distribution — Kedah
Bars in coral = within your budget at RM4,402/month income
Stamp Duty & Legal Fees Estimate — RM606k Property
Based on the median-income affordable price of RM606k in Kedah:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Kedah
Median household income growth in Kedah over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 1,756 | 2,408 | — |
| 2009 | 1,966 | 2,667 | +12.0% |
| 2012 | 2,633 | 3,425 | +33.9% |
| 2014 | 3,451 | 4,478 | +31.1% |
| 2016 | 3,811 | 4,971 | +10.4% |
| 2019 | 4,325 | 5,522 | +13.5% |
| 2020 | 3,829 | 5,005 | -11.5% |
| 2022 | 4,402 | 5,550 | +15.0% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Kedah Within Median-Income Budget
These projects start below RM606k — affordable on Kedah's median household income.
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2 Storey Terrace @ Taman Permaipura, Bedong – 10min* to Amanjaya Mall
Gurun, Kedah
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Taman Selasih Indah, 2-Storey Terrace @ Kulim, Kedah
Kulim, Kedah
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Taman Dermaga Jaya @ Kuala Kedah
Kuala Kedah, Kedah
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Sapphire @ Sungai Petani
Sungai Petani, Kedah
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Kebun Villa @ Bukit Pinang
Alor Setar, Kedah
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La Casa Lunas, 1.5-Storey Zero Lot @ Kulim, Kedah
Kulim, Kedah
Property Affordability in Kedah — What the Data Shows
Based on DOSM 2022 data, the median household income in Kedah is RM4,402/month (RM52,824/year). The mean (average) is higher at RM5,550/month, indicating that higher-income households pull the average up.
With a median new launch price of RM550k, the price-to-income ratio stands at 10.4x. The international benchmark for housing affordability is 3–5x annual income. Kedah 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 Kedah — Mampu Beli Rumah 2026
Mampu ke beli rumah di Kedah? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Kedah adalah RM4,402 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM606k (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 Kedah. 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 Kedah
Berapa gaji minimum untuk beli rumah di Kedah?
Berdasarkan harga hartanah semasa di Kedah, gaji minimum RM3,847/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 Kedah?
According to DOSM 2022 data, the median household income in Kedah is RM4,402/month, while the mean (average) is RM5,550/month.
Mampu ke beli rumah gaji RM4000 di Kedah?
Dengan gaji RM4000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM606k. Di Kedah, terdapat 6+ projek baru dalam bajet ini.
How much house can I afford in Kedah on the median salary?
On the Kedah median household income of RM4,402/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM606k.
Is Kedah affordable for property buyers in 2026?
The price-to-income ratio in Kedah is 10.4x. 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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