Can You Afford a House in Terengganu? 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Terengganu.
Quick Answer — Can you afford a house in Terengganu?
The median household income in Terengganu is RM5,878/month (2022 DOSM data). On this income, you can afford a property up to approximately RM849k (70% DSR, 35-year tenure, 4.5% interest). The median new launch price here is RM330k — a price-to-income ratio of 4.7x. This is within the 5x affordability threshold — good news for buyers.
Kalkulator Kelayakan — Mampu Beli Rumah di Terengganu?
Adjust your monthly household income to see what you can afford. Pre-filled with Terengganu's median income.
Income vs Property Prices in Terengganu
New Launch Price Distribution — Terengganu
Bars in coral = within your budget at RM5,878/month income
Stamp Duty & Legal Fees Estimate — RM849k Property
Based on the median-income affordable price of RM849k in Terengganu:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Terengganu
Median household income growth in Terengganu over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 1,796 | 2,463 | — |
| 2009 | 2,096 | 3,017 | +16.7% |
| 2012 | 3,034 | 3,967 | +44.8% |
| 2014 | 3,777 | 4,816 | +24.5% |
| 2016 | 4,694 | 5,776 | +24.3% |
| 2019 | 5,545 | 6,815 | +18.1% |
| 2020 | 4,790 | 6,051 | -13.6% |
| 2022 | 5,878 | 7,248 | +22.7% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
New Launches in Terengganu Within Median-Income Budget
These projects start below RM849k — affordable on Terengganu's median household income.
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Taman Desa Tanjong Damai, 2-Storey Shoplot @ Kuala Terengganu, Terengganu
Kuala Terengganu, Terengganu
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Desa Tanjong Indah 1, 1-Storey Semi-D @ Kuala Terengganu, Terengganu
Kuala Terengganu, Terengganu
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Taman Pusu Tiga 2, 1-Storey Terrace @ Kuala Nerus, Terengganu
Kuala Nerus, Terengganu
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Taman Pusu Tiga 2, 1-Storey Semi-D & Bungalow @ Kuala Nerus, Terengganu
Kuala Nerus, Terengganu
Property Affordability in Terengganu — What the Data Shows
Based on DOSM 2022 data, the median household income in Terengganu is RM5,878/month (RM70,536/year). The mean (average) is higher at RM7,248/month, indicating that higher-income households pull the average up.
With a median new launch price of RM330k, the price-to-income ratio stands at 4.7x. The international benchmark for housing affordability is 3–5x annual income. Terengganu falls within this benchmark, making it relatively affordable compared to other Malaysian states.
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 Terengganu — Mampu Beli Rumah 2026
Mampu ke beli rumah di Terengganu? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Terengganu adalah RM5,878 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM849k (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 Terengganu. 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 Terengganu
Berapa gaji minimum untuk beli rumah di Terengganu?
Berdasarkan harga hartanah semasa di Terengganu, gaji minimum RM2,508/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 Terengganu?
According to DOSM 2022 data, the median household income in Terengganu is RM5,878/month, while the mean (average) is RM7,248/month.
Mampu ke beli rumah gaji RM6000 di Terengganu?
Dengan gaji RM6000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM849k. Di Terengganu, terdapat 4+ projek baru dalam bajet ini.
How much house can I afford in Terengganu on the median salary?
On the Terengganu median household income of RM5,878/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM849k.
Is Terengganu affordable for property buyers in 2026?
The price-to-income ratio in Terengganu is 4.7x. This is within the internationally accepted 5x affordability benchmark, making it relatively accessible.
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 Terengganu?
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