Significant changes in the Malaysian housing market in the last decade has resulted in critical housing affordability issues among the middle-income earners. This study examines the issue of housing affordability among middle-income earners in Selangor, Malaysia. The main aim of the study is to investigate the effect of housing price, income, housing choice and housing policies on housing affordability. Using a purposive sampling technique, a self-administered questionnaire was distributed to 200 respondents. The results show that housing price, housing choice and housing policies significantly affect housing affordability. Policy implications include building more affordable houses for middle-income earners with no frills.