Can You Afford a House in Sabah? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Sabah.
Quick Answer — Can you afford a house in Sabah?
The median household income in Sabah is RM4,577/month (2022 DOSM data). On this income, you can afford a property up to approximately RM635k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM450k — a price-to-income ratio of 8.2x. 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 Sabah?
Adjust your monthly household income to see what you can afford. Pre-filled with Sabah's median income.
Income vs Property Prices in Sabah
New Launch Price Distribution — Sabah
Bars in coral = within your budget at RM4,577/month income
Stamp Duty & Legal Fees Estimate — RM635k Property
Based on the median-income affordable price of RM635k in Sabah:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Sabah
Median household income growth in Sabah over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 1,189 | 2,837 | — |
| 2009 | 2,066 | 3,102 | +73.8% |
| 2012 | 2,860 | 4,013 | +38.4% |
| 2014 | 3,745 | 4,879 | +30.9% |
| 2016 | 4,110 | 5,354 | +9.7% |
| 2019 | 4,235 | 5,745 | +3.0% |
| 2020 | 3,773 | 5,215 | -10.9% |
| 2022 | 4,577 | 6,171 | +21.3% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Sabah Within Median-Income Budget
These projects start below RM635k — affordable on Sabah's median household income.
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Single Storey Terrace, Taman Jelita @ Papar, Sabah
Papar, Sabah
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The Shore @ Kota Kinabalu
Kota Kinabalu, Sabah
Property Affordability in Sabah — What the Data Shows
Based on DOSM 2022 data, the median household income in Sabah is RM4,577/month (RM54,924/year). The mean (average) is higher at RM6,171/month, indicating that higher-income households pull the average up.
With a median new launch price of RM450k, the price-to-income ratio stands at 8.2x. The international benchmark for housing affordability is 3–5x annual income. Sabah 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 Sabah — Mampu Beli Rumah 2026
Mampu ke beli rumah di Sabah? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Sabah adalah RM4,577 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM635k (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 Sabah. 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 Sabah
Berapa gaji minimum untuk beli rumah di Sabah?
Berdasarkan harga hartanah semasa di Sabah, gaji minimum RM3,238/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 Sabah?
According to DOSM 2022 data, the median household income in Sabah is RM4,577/month, while the mean (average) is RM6,171/month.
Mampu ke beli rumah gaji RM5000 di Sabah?
Dengan gaji RM5000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM635k. Di Sabah, terdapat 2+ projek baru dalam bajet ini.
How much house can I afford in Sabah on the median salary?
On the Sabah median household income of RM4,577/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM635k.
Is Sabah affordable for property buyers in 2026?
The price-to-income ratio in Sabah is 8.2x. 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
Ready to Buy in Sabah?
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