JB property calculator

JB property calculator
costs, instalments & rental yield

Work out stamp duty, legal fees, the Johor foreigner levy, registration fee, monthly instalment, SGD equivalent and rental yield in one place — based on the rules as at November 2026.

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Total buying-cost calculator

How much do you need on top of the price when buying in Johor?

Enter the price and buyer status to see stamp duty, legal fees, the Johor state levy for foreigners and the Land Office registration fee instantly.

Price / SPA price (RM) Buyer status Loan margin (%, 0 if no loan)

State-approved serviced apartment under RM1m (foreigners only)

Note: Johor’s minimum price for foreign buyers is generally RM1 million. Below that, only serviced apartments approved by the state for foreign purchase are open to foreigners.

PRs are outside the 8% foreigner stamp duty but still fall within “foreign interest”; ask your lawyer how state consent and the levy apply to you.

Stamp duty on transfer (MOT)
Loan agreement stamp duty (0.5%)
Johor state levy (foreigners)
State consent application fee	RM 2,000
Land Office transfer registration fee
SPA legal fee (SRO 2023)
Loan legal fee (SRO 2023)
Service tax on legal fees (8%)
Total of these costs
As % of price

Ask your lawyer for the registration fee at RM500,000 or below.

Estimates based on rules as at November 2026: 8% foreigner stamp duty (from 1 January 2026), Johor levy 3% with RM30,000 minimum / RM50,000 for state-approved serviced apartments (PTG Circular 3/2025), legal fees per SRO 2023. Excludes first-home exemptions, disbursements and valuation fees. General information, not legal or financial advice.

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Instalment & rental-yield calculator

What would a JB condo cost per month — and how much would rent cover?

Enter the unit price you are considering (ask us for the latest SPA price list) to see the loan amount, monthly instalment, SGD equivalent and gross rental yield instantly.

Unit price (RM) Margin of finance (%) Interest rate (% p.a.) Loan tenure (years) Expected monthly rent (RM, optional) FX (RM per S$1)

Enter a unit price to see the numbers.

Loan amount

Monthly instalment

≈ SGD per month

Gross rental yield

Rent covers instalment

Estimates only — not a loan approval or investment advice. Locals usually get a higher margin of finance than foreigners; the bank sets the final rate, margin and tenure. Update the FX rate to today’s.

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The rules behind the calculator

Stamp duty on transfer: Malaysian citizens and PRs pay tiered 1% / 2% / 3% / 4%; foreigners pay a flat 8% from 1 January 2026. See our stamp duty guide.
Johor state levy: 3% for foreigners, minimum RM30,000; RM50,000 for state-approved serviced apartments under RM1 million (PTG Circular 3/2025, from 1 July 2025). See the Johor state levy guide.
Foreigner minimum price: generally RM1 million in Johor. See Johor foreigner minimum price.
Registration fee: price bands in force since 1 July 2025. See transfer registration fees.
Legal fees: SRO 2023 scale, 1.25% on the first RM500,000 then 1%, plus 8% service tax.

FAQ

Frequently asked questions

How much stamp duty does a foreigner pay on property in Johor?

From 1 January 2026, foreigners pay a flat 8% stamp duty on the transfer of residential property, on the higher of the price and market value. Malaysian citizens and PRs pay tiered rates of 1%, 2%, 3% and 4%.

What is the Johor state levy for foreign buyers?

Johor charges foreign buyers 3% of the stamped SPA price with a RM30,000 minimum, or a RM50,000 minimum for state-approved serviced apartments under RM1 million, under PTG Johor Circular 3/2025 effective 1 July 2025. A RM2,000 consent application fee per title also applies.

How much are legal fees for buying property in Malaysia?

Under the Solicitors Remuneration Order 2023, legal fees are 1.25% on the first RM500,000 and 1% on the next RM7 million, charged separately for the SPA and the loan agreement, plus 8% service tax and disbursements.

How much should a foreigner budget on top of a RM1 million JB property?

Roughly 12.5 to 13% before loan costs: about RM80,000 stamp duty, RM30,000 Johor levy, RM2,000 consent fee, RM4,500 registration fee and about RM11,250 SPA legal fee plus service tax. Use the calculator above for your own price and loan.

EXSIM in JB