12,239 HDB Resale Flats for Sale in Singapore, page 124

As of October 2026, the median asking price for an HDB resale flat on Listings.sg is S$668,000, or S$620 psf, and most ask between S$430,000 and S$1M. Larger flats in mature, central towns can ask more than S$1M, while non-mature towns offer lower entry prices.

You generally need to form an eligible family nucleus or qualify under a scheme such as the Single Singapore Citizen Scheme, and meet citizenship requirements. Income ceilings were raised on 24 August 2026 to S$16,000 for families (new flats, and resale flats bought with a CPF housing grant), S$8,000 for singles and S$18,000 for new Executive Condominium units in projects whose land tender closed on or after that date (S$16,000 for earlier EC projects); the family and singles figures apply to HFE letter applications submitted on or after 24 August 2026. There is no income ceiling on a resale flat bought without a CPF housing grant. PRs can buy resale (with restrictions) but not new flats. Confirm your exact position with HDB.

Last checked 13 Oct 2026.

It's a government subsidy that lowers the cost of a resale flat for eligible first-timers. A first-timer citizen family can get the Family Grant of up to S$80,000 for a 2- to 4-room flat or S$50,000 for a 5-room or bigger (household income up to S$16,000), the Enhanced CPF Housing Grant of up to S$120,000 (household income up to S$9,000, less as income rises) and the Proximity Housing Grant of S$30,000 to live with parents or a child, or S$20,000 to live within 4 km of them. Together that is up to S$230,000 for a first-timer family; singles can get up to around S$115,000. Confirm your exact entitlement with HDB and CPF.

Last checked 13 Oct 2026.

A resale purchase typically completes in about 8 to 12 weeks, so you move in soon after. A BTO can take three to five years to build, though it is sold at subsidised prices.

After buying a resale flat you must live in it for five years before you can sell it or rent out the whole unit. The MOP is counted from the date you collect the keys.

Foreigners cannot buy HDB flats. PRs may buy a resale flat only with at least one other PR or Citizen forming a family nucleus, and after holding PR status for at least three years; they cannot buy new BTO flats.

COV is the cash a buyer pays above HDB's official valuation when the agreed price is higher. The valuation is requested after the price is agreed, so budget for possible COV in cash.

With an HDB loan at 75% loan-to-value you need 25% down, payable in cash or CPF. With a bank loan the downpayment is also 25%, of which at least 5% must be in cash. Stamp duty and legal fees are additional.