Question 1

What is the average HDB resale price in Singapore?

Accepted Answer

HDB resale prices vary significantly by town and flat type. As of 2024, mature estate 4-room flats typically range from $500,000 to over $900,000, while non-mature estates range from $350,000 to $550,000. Use this tool to filter by town and flat type for accurate current data.

Question 2

Which HDB towns have the highest resale prices?

Accepted Answer

Mature estates like Bishan, Toa Payoh, Queenstown, Bukit Merah, and Central Area consistently have the highest HDB resale prices. Non-mature estates like Tengah, Punggol, and Sembawang offer more affordable options.

Question 3

How much do I need to earn to buy an HDB flat?

Accepted Answer

For a $500,000 HDB loan, you typically need a monthly household income of at least $3,500–$5,000 to keep mortgage payments below 30% of income. Use the Affordability Calculator on this page to get a personalised estimate.

Question 4

What is the HDB loan limit in Singapore?

Accepted Answer

HDB concessionary loans cover up to 80% of the flat's value (LTV ratio). The maximum loan amount depends on income, existing loans, and remaining lease. As of 2024, the HDB loan interest rate is 2.6% per annum.

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