Can You Afford a House in Penang? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Penang.
Quick Answer — Can you afford a house in Penang?
The median household income in Penang is RM6,502/month (2022 DOSM data). On this income, you can afford a property up to approximately RM951k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM531k — a price-to-income ratio of 6.8x. 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 Penang?
Adjust your monthly household income to see what you can afford. Pre-filled with Penang's median income.
Income vs Property Prices in Penang
New Launch Price Distribution — Penang
Bars in coral = within your budget at RM6,502/month income
Stamp Duty & Legal Fees Estimate — RM951k Property
Based on the median-income affordable price of RM951k in Penang:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Penang
Median household income growth in Penang over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 2,902 | 4,004 | — |
| 2009 | 3,200 | 4,407 | +10.3% |
| 2012 | 4,039 | 5,055 | +26.2% |
| 2014 | 4,702 | 5,993 | +16.4% |
| 2016 | 5,409 | 6,771 | +15.0% |
| 2019 | 6,169 | 7,774 | +14.1% |
| 2020 | 5,474 | 6,850 | -11.3% |
| 2022 | 6,502 | 8,267 | +18.8% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Penang Within Median-Income Budget
These projects start below RM951k — affordable on Penang's median household income.
Mah Sing Group
M Zenya
Kepong, Penang
Mah Sing Group
Ferringhi Residence 2
Penang
Mah Sing Group
M Aspira
Taman Desa, Penang
Mah Sing Group
M Zenni
JOHOR BAHRU, Penang
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The Cube, Premium Affordable Residential Condo @ Jelutong, Penang
Jelutong, Penang
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Amansara North, Setia Fontaines @ Kepala Batas, 1-Storey Terrace
Kepala Batas, Penang
Property Affordability in Penang — What the Data Shows
Based on DOSM 2022 data, the median household income in Penang is RM6,502/month (RM78,024/year). The mean (average) is higher at RM8,267/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 6.8x. The international benchmark for housing affordability is 3–5x annual income. Penang 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 Penang — Mampu Beli Rumah 2026
Mampu ke beli rumah di Penang? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Penang adalah RM6,502 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM951k (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 Penang. 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 Penang
Berapa gaji minimum untuk beli rumah di Penang?
Berdasarkan harga hartanah semasa di Penang, 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 Penang?
According to DOSM 2022 data, the median household income in Penang is RM6,502/month, while the mean (average) is RM8,267/month.
Mampu ke beli rumah gaji RM7000 di Penang?
Dengan gaji RM7000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM951k. Di Penang, terdapat 6+ projek baru dalam bajet ini.
How much house can I afford in Penang on the median salary?
On the Penang median household income of RM6,502/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM951k.
Is Penang affordable for property buyers in 2026?
The price-to-income ratio in Penang is 6.8x. 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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