Can You Afford a House in Melaka? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Melaka.
Quick Answer — Can you afford a house in Melaka?
The median household income in Melaka is RM6,210/month (2022 DOSM data). On this income, you can afford a property up to approximately RM903k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM438k — a price-to-income ratio of 5.9x. 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 Melaka?
Adjust your monthly household income to see what you can afford. Pre-filled with Melaka's median income.
Income vs Property Prices in Melaka
New Launch Price Distribution — Melaka
Bars in coral = within your budget at RM6,210/month income
Stamp Duty & Legal Fees Estimate — RM903k Property
Based on the median-income affordable price of RM903k in Melaka:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Melaka
Median household income growth in Melaka over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 2,717 | 3,421 | — |
| 2009 | 3,005 | 4,184 | +10.6% |
| 2012 | 3,923 | 4,759 | +30.5% |
| 2014 | 5,029 | 6,046 | +28.2% |
| 2016 | 5,588 | 6,849 | +11.1% |
| 2019 | 6,054 | 7,741 | +8.3% |
| 2020 | 5,447 | 7,186 | -10.0% |
| 2022 | 6,210 | 8,057 | +14.0% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Melaka Within Median-Income Budget
These projects start below RM903k — affordable on Melaka's median household income.
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Phase 6 OAK HILL Series @ Melaka, near Bukit Katil, MITC & Ayer Keroh
Melaka Tengah, Melaka
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Seri Serindit Residensi @ Bukit Serindit, Melaka (3km - Jonker Walk)
Melaka Tengah, Melaka
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Ion Forte Green City at Ayer Keroh, Melaka
Ayer Keroh, Melaka
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Shang Height Residence @ Melaka City - 15 min to Jonker Walk
Melaka Tengah, Melaka
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D'Bayu Residen, Condominium @ Ayer Keroh, Melaka
Ayer Keroh, Melaka
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Taman Sutera Wangi @ Batu Berendam
Batu Berendam, Melaka
Property Affordability in Melaka — What the Data Shows
Based on DOSM 2022 data, the median household income in Melaka is RM6,210/month (RM74,520/year). The mean (average) is higher at RM8,057/month, indicating that higher-income households pull the average up.
With a median new launch price of RM438k, the price-to-income ratio stands at 5.9x. The international benchmark for housing affordability is 3–5x annual income. Melaka 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 Melaka — Mampu Beli Rumah 2026
Mampu ke beli rumah di Melaka? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Melaka adalah RM6,210 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM903k (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 Melaka. 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 Melaka
Berapa gaji minimum untuk beli rumah di Melaka?
Berdasarkan harga hartanah semasa di Melaka, gaji minimum RM3,165/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 Melaka?
According to DOSM 2022 data, the median household income in Melaka is RM6,210/month, while the mean (average) is RM8,057/month.
Mampu ke beli rumah gaji RM6000 di Melaka?
Dengan gaji RM6000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM903k. Di Melaka, terdapat 6+ projek baru dalam bajet ini.
How much house can I afford in Melaka on the median salary?
On the Melaka median household income of RM6,210/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM903k.
Is Melaka affordable for property buyers in 2026?
The price-to-income ratio in Melaka is 5.9x. 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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