Cost Of Living For a Couple in Klang 2025

Average monthly spending for couples in Klang

How much money does a couple need in a month to survive in Klang?

Couples in Klang spend around 8,200 MYR per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 2,700 MYR or as high as 44,000 MYR. Location and income are very important factors and have a huge influence on expenditure and budget.

Couple expenditure to income ratio in Klang

Analysing the how affordable it is for couples to live in Klang

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in. Couples usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a couple of four ranges between 70% to 80%.

Couples in Klang spend around 71% of their monthly income. Some couples spend as low as 64% of their income while some as high as 79%.

How do couples spend their money in Klang?

We asked thousands of couples about their spending habits and expenditure break down.

Housing and accomodation expenditure for couples

Couples in Klang typically spend from 20% to 37% of their total monthly expenditure on housing with 27% being the average. The average monthly spend on housing is 2,800 MYR with expenditure ranging from 930 MYR to 15,000 MYR. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Utility expenditure like electricity, water, and gas in Klang ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 370 MYR with 110 MYR and 2,400 MYR being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Fuel consumption and cost of transport depend heavily on whether a couple resides near school and work, but roughly speaking a couple would expect to spend from 330 MYR to 5,200 MYR in a month on commuting with 980 MYR being the norm for most couples. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 3% or as high as 14%.

Food, groceries, and basic shopping expenditure for couples

The average outlay on groceries and basic houshold items for a typical couple in a month in Klang is 1,100 MYR. The cost of groceries can range between 380 MYR to 6,100 MYR. Couples spend on average about 17% on food and groceries with upper and lower bounds of 12% and 22% respectively.

Healthcare and medical services expenditure for couples

Couples in Klang allocate 8% to 18% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 14%. The range of medical expenses range from 300 MYR to 4,800 MYR with 900 MYR being the norm for most couples.

Leisure and shopping expenditure for couples

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 160 MYR to 2,600 MYR with 490 MYR being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 3% for most couples.

Education and schooling expenditure for couples

Spending on education can vary drastically between different couples. On average, education constitutes 1% of the monthly expenditure of couples with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 160 MYR per month with 54 MYR being the minimum spent amount and 870 MYR being the maximum.

What percentage of couples in Klang are able to save money and how much can they save?

Percentage of couples that reported their ability to save money

Almost 55% of surveyed couples in Klang said that they can save some money at the end of each month while 45% reported that they have to utilize their whole income to survive.

How much money do couples manage to add to their savings?

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples that are able to save money can put anywhere from 13% to 30% of their monthly income to their savings, with 21% being the average for most couples. The average monthly amount of money that couples can put aside is 2,900 MYR with 970 MYR and 15,000 MYR being the minimum and maximum respectively.

Typical saving choices for couples in Klang

Where do people choose to put their savings?

Low-cost alternatives in Klang

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked couples how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options54%

Few low-cost options46%

Based on the survey, 54% of the couples living in Klang have no problem finding low-cost alternatives to support a frugal lifestyle while 46% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Saving Challenges in Klang

Reasons that make it difficult for couples to save money

We wanted to understand what is stopping couples from maximizing their savings in Klang. Listed below are the answers given by the survey participants.

Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 14% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 11% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

• 50% for needs and financial obligations

  This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

• 30% for wants and discretionary spending

  This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

• 20% for savings and emergency fund

  This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

Affordable living in Klang

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Klang?

Around 59% of surveyed couples think that living in Klang is affordable with proper budgeting while 41% reported that it is just too expensive and not affordable even with frugality and thriftness.

Emergency Funds For Couples

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked couples whether they have an emergency fund and the answers were as follows.

Yes59%

No41%

Based on the survey, 41% of the couples living in Klang said that they don't have an emergency fund while 59% said that they do.

Debt, loans, and mortgages in Klang

Percentage of couples who are in debt

According to the survey, 22% of the couples in Klang have some kind of debt, loan, mortgage, or credit card payments while 79% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Klang

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 25% of a couple's monthly income in Klang goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Klang pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 11% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Klang

9% of debtors in Klang confirm that real estate mortgages constitutes the main part of their outstanding debt while 29% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 16% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in Klang.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.

Loan Affordability Index in Klang

Besides measuring the loan-to-income ratio, we asked couples how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Financial Literacy in

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy61%

We asked couple guardians and parents in Klang whether they acquired any adequate personal financial training in their lives. Approximately 39% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 61% said that they know about the general principles of personal finance from sources other than their own experience.

Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 29% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 71% said that they have everything under control.

Struggles with finance29%

Easily manages finances71%

Financial goals of couples in Klang

In an attempt to understand the economic situation in Klang, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 42% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 13% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Housing costs, accommodation, and housing affordability in Klang

Rent Cost in Klang

Monthly Rent Prices

Studio apartment monthly rent cost

620 MYR

920 MYR

2,500 MYR

MINIMUM

AVERAGE

MAXIMUM

$130

$190

$520

1-bedroom apartment monthly rent cost

920 MYR

1,500 MYR

3,700 MYR

MINIMUM

AVERAGE

MAXIMUM

$190

$310

$780

2-bedroom apartment monthly rent cost

1,200 MYR

1,800 MYR

4,900 MYR

MINIMUM

AVERAGE

MAXIMUM

$260

$390

$1,000

3-bedroom apartment monthly rent cost

1,500 MYR

2,500 MYR

6,700 MYR

MINIMUM

AVERAGE

MAXIMUM

$310

$520

$1,400

Furnished apartment monthly rent cost

3,000 MYR

7,400 MYR

15,000 MYR

MINIMUM

AVERAGE

MAXIMUM

$620

$1,600

$3,100

Townhouse monthly rent cost

2,500 MYR

3,700 MYR

11,000 MYR

MINIMUM

AVERAGE

MAXIMUM

$520

$780

$2,200

House monthly rent cost

3,000 MYR

7,400 MYR

15,000 MYR

MINIMUM

AVERAGE

MAXIMUM

$620

$1,600

$3,100

Villa monthly rent cost

3,700 MYR

9,200 MYR

15,000 MYR

MINIMUM

AVERAGE

MAXIMUM

$780

$1,900

$3,100

The monthly rental cost of a studio apartment in Klang ranges between 620 MYR and 2,500 MYR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 920 MYR to 3,700 MYR. Two-bedroom rentals rate ranges between 1,200 MYR and 4,900 MYR per month. The monthly rental for a three-bedroom apartment ranges from 1,500 MYR to 6,700 MYR. The average rent of a townhouse in Klang is around 3,700 MYR while house rental costs can be as high as 7,400 MYR per month. Finally, if you want to rent a villa, expect to pay anywhere from 3,700 MYR to 15,000 MYR per month.

Apartment and house prices in Klang

Cost of buying a property

Studio apartment price

120,000 MYR

180,000 MYR

370,000 MYR

MINIMUM

AVERAGE

MAXIMUM

$26,000

$39,000

$78,000

1-bedroom apartment price

150,000 MYR

250,000 MYR

920,000 MYR

MINIMUM

AVERAGE

MAXIMUM

$31,000

$52,000

$190,000

2-bedroom apartment price

250,000 MYR

740,000 MYR

1.5M MYR

MINIMUM

AVERAGE

MAXIMUM

$52,000

$160,000

$310,000

3-bedroom apartment price

820,000 MYR

1.2M MYR

3.7M MYR

MINIMUM

AVERAGE

MAXIMUM

$170,000

$260,000

$780,000

Townhouse price

1.1M MYR

2.5M MYR

9.2M MYR

MINIMUM

AVERAGE

MAXIMUM

$220,000

$520,000

$1.9M

House price

1.2M MYR

7.4M MYR

11M MYR

MINIMUM

AVERAGE

MAXIMUM

$260,000

$1.6M

$2.2M

Villa price

1.5M MYR

8.2M MYR

12M MYR

MINIMUM

AVERAGE

MAXIMUM

$310,000

$1.7M

$2.6M

The average price of a studio apartment in Klang can range from 120,000 MYR to 370,000 MYR depending on location. One bedroom cost can be anywhere from 150,000 MYR to 920,000 MYR. A villa can cost you 8.2M MYR on average with prices ranging from 1.5M MYR to 12M MYR.

House / apartment prices to income ratio

Property prices in Klang can be x108 to x191 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x108 multiples of the average monthly salary in Klang.

Rent to income ratio

The average rent-to-income ratio in Klang is around 29%. This means that people pay 29% of their income for rent. Those figures can range from 20% to 38% depending on the salary, location, and type of property.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Klang

Energy, electricity, water, gas, internet, and mobile cost in Klang

Utility Bill Cost / Electricity + Water + Gas / Couple

110 MYR

370 MYR

2,400 MYR

MINIMUM

AVERAGE

MAXIMUM

$23

$78

$510

Internet and cable cost

39 MYR

79 MYR

110 MYR

MINIMUM

AVERAGE

MAXIMUM

$8.3

$17

$22

Mobile phone bill and charges

32 MYR

53 MYR

160 MYR

MINIMUM

AVERAGE

MAXIMUM

$6.7

$11

$33

The average monthly energy and water consumption of couples is around 370 MYR. The cost of internet and WiFi ranges from 39 MYR to 110 MYR with 79 MYR being the average internet bill. Finally, the average monthly mobile charges is around 53 MYR but can range between 32 MYR and 160 MYR depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Klang is around 4.5%. This means that people pay 4.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 1.8% to 8.1% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Klang

Prices and cost of goods and services in Klang

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

7.9 MYR

16 MYR

26 MYR

MINIMUM

AVERAGE

MAXIMUM

$1.7

$3.3

$5.5

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Klang is approximatly 16 MYR with meal cost ranging from 7.9 MYR to 26 MYR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

25 MYR

38 MYR

76 MYR

MINIMUM

AVERAGE

MAXIMUM

$5.4

$8.1

$16

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 25 MYR and 76 MYR with 38 MYR being the average price of a plate for one person at a regular restaurant in Klang.

Fine dining meal for one price

51 MYR

76 MYR

310 MYR

MINIMUM

AVERAGE

MAXIMUM

$11

$16

$64

The price range of a meal at fine-dining restaurant is 51 MYR to 310 MYR with the average cost being 76 MYR for one person. This is what you would expect to pay a top-tier diner in Klang.

Beverage prices, cappuccino, latte etc..

6.6 MYR

11 MYR

16 MYR

MINIMUM

AVERAGE

MAXIMUM

$1.4

$2.2

$3.3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Klang is around 11 MYR. Price ranges between 6.6 MYR and 16 MYR depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

5.3 MYR

6.3 MYR

7.9 MYR

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.3

$1.7

The average price of a large bottle of milk in Klang is 6.3 MYR. The maximum what you would pay for milk is 7.9 MYR and the minimum being 5.3 MYR depending on the brand of milk and other properties.

12 eggs price

3.9 MYR

5.3 MYR

7.9 MYR

MINIMUM

AVERAGE

MAXIMUM

$0.83

$1.1

$1.7

A dozen eggs costs around 5.3 MYR on average with 3.9 MYR and 7.9 MYR being the lower and upper limits respectively.

Fresh whole chicken price

9 MYR

12 MYR

16 MYR

MINIMUM

AVERAGE

MAXIMUM

$1.9

$2.4

$3.5

The price range of a fresh whole chicken in Klang is between 9 MYR and 16 MYR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 12 MYR.

Pack of beef price

11 MYR

16 MYR

32 MYR

MINIMUM

AVERAGE

MAXIMUM

$2.2

$3.3

$6.7

The price of a regular pack of beef or meat is around 16 MYR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

4.2 MYR

5.8 MYR

8.2 MYR

MINIMUM

AVERAGE

MAXIMUM

$0.89

$1.2

$1.7

A bag of rice in Klang costs around 5.8 MYR on average with prices rangeing between 4.2 MYR and 8.2 MYR depending on the brand and quality.

Bag of tomatos price

1.6 MYR

2.1 MYR

3.9 MYR

MINIMUM

AVERAGE

MAXIMUM

$0.33

$0.44

$0.83

A bag of tomatoes costs anywhere from 1.6 MYR to 3.9 MYR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

2.8 MYR

3.7 MYR

6.1 MYR

MINIMUM

AVERAGE

MAXIMUM

$0.59

$0.78

$1.3

A bag of apples costs 3.7 MYR on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Klang is around 22%. This means that couples spend 22% of their income on grocery and basic household items. The expenditure can range from 15% to 28% depending on salary and location.

Expenditure on food and grocery for couples