Can You Afford a House in Perak? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Perak.
Quick Answer — Can you afford a house in Perak?
The median household income in Perak is RM4,494/month (2022 DOSM data). On this income, you can afford a property up to approximately RM621k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM395k — a price-to-income ratio of 7.3x. 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 Perak?
Adjust your monthly household income to see what you can afford. Pre-filled with Perak's median income.
Income vs Property Prices in Perak
New Launch Price Distribution — Perak
Bars in coral = within your budget at RM4,494/month income
Stamp Duty & Legal Fees Estimate — RM621k Property
Based on the median-income affordable price of RM621k in Perak:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Perak
Median household income growth in Perak over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 1,905 | 2,545 | — |
| 2009 | 2,094 | 2,809 | +9.9% |
| 2012 | 2,665 | 3,548 | +27.3% |
| 2014 | 3,451 | 4,268 | +29.5% |
| 2016 | 4,006 | 5,065 | +16.1% |
| 2019 | 4,273 | 5,645 | +6.7% |
| 2020 | 3,759 | 5,081 | -12.0% |
| 2022 | 4,494 | 5,779 | +19.6% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Perak Within Median-Income Budget
These projects start below RM621k — affordable on Perak's median household income.
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Rumah Teres 1 Tingkat (Fasa 4A) @ Taman Impiana Bidor, Kampar, Perak
Kampar, Perak
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Rumah Berkembar 1-Tingkat (Fasa 7A) @ Taman Impiana Bidor, Perak
Kampar, Perak
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Taman Serai Emas, 1-Storey & 2-Storey Terrace @ Bagan Serai, Parit Buntar, Perak
Parit Buntar, Perak
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City on The Hills @ Gopeng, Kampar, Perak
Ipoh, Perak
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Rumah Teres 1 Tingkat (Fasa 2B) @ Taman Impiana Bidor, Perak
Kampar, Perak
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Taman Pelangi, 1-Storey Semi-D @ Bagan Serai, Parit Buntar, Perak
Parit Buntar, Perak
Property Affordability in Perak — What the Data Shows
Based on DOSM 2022 data, the median household income in Perak is RM4,494/month (RM53,928/year). The mean (average) is higher at RM5,779/month, indicating that higher-income households pull the average up.
With a median new launch price of RM395k, the price-to-income ratio stands at 7.3x. The international benchmark for housing affordability is 3–5x annual income. Perak 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 Perak — Mampu Beli Rumah 2026
Mampu ke beli rumah di Perak? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Perak adalah RM4,494 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM621k (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 Perak. 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 Perak
Berapa gaji minimum untuk beli rumah di Perak?
Berdasarkan harga hartanah semasa di Perak, gaji minimum RM2,903/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 Perak?
According to DOSM 2022 data, the median household income in Perak is RM4,494/month, while the mean (average) is RM5,779/month.
Mampu ke beli rumah gaji RM4000 di Perak?
Dengan gaji RM4000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM621k. Di Perak, terdapat 6+ projek baru dalam bajet ini.
How much house can I afford in Perak on the median salary?
On the Perak median household income of RM4,494/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM621k.
Is Perak affordable for property buyers in 2026?
The price-to-income ratio in Perak is 7.3x. 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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