Can You Afford a House in Kuala Lumpur? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Kuala Lumpur.
Quick Answer — Can you afford a house in Kuala Lumpur?
The median household income in Kuala Lumpur is RM10,234/month (2022 DOSM data). On this income, you can afford a property up to approximately RM1.6 mil (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM531k — a price-to-income ratio of 4.3x. This is within the 5x affordability threshold — good news for buyers.
Kalkulator Kelayakan — Mampu Beli Rumah di Kuala Lumpur?
Adjust your monthly household income to see what you can afford. Pre-filled with Kuala Lumpur's median income.
Income vs Property Prices in Kuala Lumpur
New Launch Price Distribution — Kuala Lumpur
Bars in coral = within your budget at RM10,234/month income
Stamp Duty & Legal Fees Estimate — RM1.6 mil Property
Based on the median-income affordable price of RM1.6 mil in Kuala Lumpur:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Kuala Lumpur
Median household income growth in Kuala Lumpur over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 3,697 | 5,322 | — |
| 2009 | 4,409 | 5,488 | +19.3% |
| 2012 | 5,847 | 8,586 | +32.6% |
| 2014 | 7,620 | 10,629 | +30.3% |
| 2016 | 9,073 | 11,692 | +19.1% |
| 2019 | 10,549 | 13,257 | +16.3% |
| 2020 | 9,093 | 11,728 | -13.8% |
| 2022 | 10,234 | 13,325 | +12.5% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Kuala Lumpur Within Median-Income Budget
These projects start below RM1.6 mil — affordable on Kuala Lumpur's median household income.
Mah Sing Group
M Adora
Wangsa Melawati, Kuala Lumpur
Mah Sing Group
M Aria @ Sentul, KL City
JOHOR BAHRU, Kuala Lumpur
Mah Sing Group
M Aurora
Klang, Kuala Lumpur
Mah Sing Group
M Azura
Setapak, Kuala Lumpur
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ASA Residence, Condominium @ Sri Petaling, KL
Sri Petaling, Kuala Lumpur
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M Aspira, Serviced Apartment @ Taman Desa
Seputeh, Kuala Lumpur
Property Affordability in Kuala Lumpur — What the Data Shows
Based on DOSM 2022 data, the median household income in Kuala Lumpur is RM10,234/month (RM122,808/year). The mean (average) is higher at RM13,325/month, indicating that higher-income households pull the average up.
With a median new launch price of RM531k, the price-to-income ratio stands at 4.3x. The international benchmark for housing affordability is 3–5x annual income. Kuala Lumpur 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 Kuala Lumpur — Mampu Beli Rumah 2026
Mampu ke beli rumah di Kuala Lumpur? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Kuala Lumpur adalah RM10,234 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM1.6 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 Kuala Lumpur. 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 Kuala Lumpur
Berapa gaji minimum untuk beli rumah di Kuala Lumpur?
Berdasarkan harga hartanah semasa di Kuala Lumpur, gaji minimum RM3,730/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 Kuala Lumpur?
According to DOSM 2022 data, the median household income in Kuala Lumpur is RM10,234/month, while the mean (average) is RM13,325/month.
Mampu ke beli rumah gaji RM10000 di Kuala Lumpur?
Dengan gaji RM10000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM1.6 mil. Di Kuala Lumpur, terdapat 6+ projek baru dalam bajet ini.
How much house can I afford in Kuala Lumpur on the median salary?
On the Kuala Lumpur median household income of RM10,234/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM1.6 mil.
Is Kuala Lumpur affordable for property buyers in 2026?
The price-to-income ratio in Kuala Lumpur is 4.3x. 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.
Check Affordability in Other States
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