Can You Afford a House in Labuan? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Labuan.
Quick Answer — Can you afford a house in Labuan?
The median household income in Labuan is RM6,904/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).
Kalkulator Kelayakan — Mampu Beli Rumah di Labuan?
Adjust your monthly household income to see what you can afford. Pre-filled with Labuan's median income.
Stamp Duty & Legal Fees Estimate — RM1.0 mil Property
Based on the median-income affordable price of RM1.0 mil in Labuan:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Labuan
Median household income growth in Labuan over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 2,777 | 3,726 | — |
| 2009 | 3,498 | 4,407 | +26.0% |
| 2012 | 5,063 | 6,317 | +44.7% |
| 2014 | 5,684 | 7,591 | +12.3% |
| 2016 | 5,928 | 8,174 | +4.3% |
| 2019 | 6,726 | 8,319 | +13.5% |
| 2020 | 6,126 | 7,333 | -8.9% |
| 2022 | 6,904 | 8,250 | +12.7% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
Property Affordability in Labuan — What the Data Shows
Based on DOSM 2022 data, the median household income in Labuan is RM6,904/month (RM82,848/year). The mean (average) is higher at RM8,250/month, indicating that higher-income households pull the average up.
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 Labuan — Mampu Beli Rumah 2026
Mampu ke beli rumah di Labuan? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Labuan adalah RM6,904 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 Labuan. 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 Labuan
Berapa gaji minimum untuk beli rumah di Labuan?
Berdasarkan harga hartanah semasa di Labuan, gaji minimum RM3,500/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 Labuan?
According to DOSM 2022 data, the median household income in Labuan is RM6,904/month, while the mean (average) is RM8,250/month.
Mampu ke beli rumah gaji RM7000 di Labuan?
Dengan gaji RM7000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM1.0 mil. Di Labuan, terdapat beberapa projek dalam bajet ini.
How much house can I afford in Labuan on the median salary?
On the Labuan median household income of RM6,904/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 Labuan affordable for property buyers in 2026?
Labuan offers a range of property prices. Use the calculator above to check affordability based on your specific income.
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.
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