HDB Resale Flats Under $300,000 (2026)
262 HDB blocks across 20 towns have a median resale price under $300,000 as of Oct 2026. Geylang has the most options with 47 blocks at a median of $266,444.
What an under-$300K flat actually buys
262 HDB blocks in Singapore have a median resale price under $300,000, and nearly all of them share one profile: older, compact flats, mostly 3-room and smaller, in the earliest clusters of mature towns and the furthest corners of the north and west. At this price point the flat is rarely the constraint. The lease is. A low sticker price on a short-lease flat is not a discount, it is the market pricing in the years already gone.
The practical checks matter more here than anywhere else in the market: CPF usage tightens when the remaining lease cannot cover the youngest buyer to age 95, bank loan quantum shrinks with the lease, and the pool of future buyers narrows every year you hold. None of that makes these flats bad buys. For owner-occupiers who need shelter over asset growth, they can be exactly right. It does mean the cheapest listings demand the most homework. Read how lease decay erodes value year by year, see which towns are cheapest overall, and compare against the national 3-room median to see how far below the market these blocks sit.
Buying Under $300,000: What to Expect
This is the ultra-budget segment, representing just 3% of all HDB blocks. Options are concentrated in mature estates with older leases, averaging 49 years remaining. Most blocks in this range are 3 Room flats. Buyers should carefully assess remaining lease against CPF eligibility requirements.
HDB Blocks Under $300,000 by Town
| Town | Blocks | Median Price | Avg Lease | Flat Types Available |
|---|---|---|---|---|
| Geylang | 47 | $266,444 | 43 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Toa Payoh | 40 | $275,000 | 43 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Jurong West | 28 | $273,500 | 50 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Bedok | 22 | $285,000 | 53 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Bukit Batok | 15 | $288,000 | 60 yrs | 3 Room, 4 Room |
| Kallang/Whampoa | 15 | $262,500 | 45 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Bukit Merah | 14 | $264,000 | 44 yrs | 1 Room, 2 Room, 3 Room, 4 Room |
| Queenstown | 14 | $285,000 | 42 yrs | 2 Room, 3 Room, 4 Room |
| Yishun | 14 | $278,000 | 61 yrs | 2 Room, 3 Room, 4 Room |
| Ang Mo Kio | 13 | $270,000 | 54 yrs | 2 Room, 3 Room, 4 Room |
| Woodlands | 13 | $259,000 | 54 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Jurong East | 8 | $285,000 | 50 yrs | 3 Room, 4 Room, 5 Room |
| Hougang | 5 | $288,000 | 52 yrs | 3 Room, 4 Room, 5 Room |
| Bukit Panjang | 3 | $289,000 | 70 yrs | 2 Room, 3 Room, 4 Room |
| Clementi | 3 | $285,000 | 59 yrs | 2 Room, 3 Room |
| Serangoon | 3 | $285,000 | 56 yrs | 2 Room, 3 Room, 4 Room |
| Central Area | 2 | $291,500 | 49 yrs | 2 Room, 3 Room, 4 Room |
| Choa Chu Kang | 1 | $289,000 | 84 yrs | 2 Room, 3 Room |
| Marine Parade | 1 | $252,500 | 48 yrs | 2 Room |
| Sembawang | 1 | $235,000 | 83 yrs | 2 Room |
Flat Types Available Under $300,000
| Flat Type | Blocks Under $300,000 | Median Price | Avg Remaining Lease |
|---|---|---|---|
| 3 Room | 219 | $280,000 | 49 yrs |
| 2 Room | 86 | $260,000 | 48 yrs |
| 4 Room | 50 | $283,000 | 54 yrs |
| 5 Room | 19 | $285,500 | 47 yrs |
| Executive | 1 | $298,000 | 52 yrs |
| 1 Room | 1 | $215,000 | 47 yrs |
Lease Profile of Affordable Blocks
232 blocks (89%) under $300,000 have less than 60 years remaining on their lease. These blocks face restrictions on CPF usage and HDB loan eligibility. Buyers should check the remaining lease against their age to ensure they can fully utilise CPF for the purchase.
| Remaining Lease | Blocks | % of Total |
|---|---|---|
| 70–89 years | 6 | 2% |
| 60–69 years | 24 | 9% |
| 50–59 years | 79 | 30% |
| Under 50 years | 153 | 58% |
Most Affordable HDB Blocks in Singapore
| Block | Street | Town | Median Price | Remaining Lease |
|---|---|---|---|---|
| Blk 191 | Boon Lay Drive | Jurong West | $207,500 | 53 yrs |
| Blk 81 | Macpherson Lane | Geylang | $210,000 | 49 yrs |
| Blk 218 | Marsiling Crescent | Woodlands | $213,000 | 64 yrs |
| Blk 113 | Bedok North Street 2 | Bedok | $215,000 | 51 yrs |
| Blk 7 | Telok Blangah Crescent | Bukit Merah | $215,000 | 47 yrs |
| Blk 55 | Lorong 5 Toa Payoh | Toa Payoh | $215,000 | 39 yrs |
| Blk 438 | Yishun Avenue 11 | Yishun | $215,500 | 73 yrs |
| Blk 541 | Bedok North Street 3 | Bedok | $222,000 | 59 yrs |
| Blk 106 | Bedok North Avenue 4 | Bedok | $223,000 | 51 yrs |
| Blk 68 | Circuit Road | Geylang | $223,000 | 43 yrs |
Frequently Asked Questions
How many HDB flats are under $300,000 in Singapore?
262 HDB blocks across 20 towns have a median resale price under $300,000 as of Oct 2026.
Which town has the most HDB flats under $300,000?
Geylang has the most options with 47 blocks under $300,000, at a median price of $266,444.
What flat types can I buy under $300,000?
The most common flat types under $300,000 are 3 Room (219 blocks), 2 Room (86 blocks), 4 Room (50 blocks), 5 Room (19 blocks), Executive (1 blocks), 1 Room (1 blocks).
Are HDB flats under $300,000 old?
The lease profile varies. 2% of blocks under $300,000 have 70–89 years remaining. 89% have less than 60 years remaining, which may affect CPF usage.
Can I use CPF to buy an HDB flat under $300,000?
CPF can be used if the remaining lease covers the youngest buyer until age 95. Blocks with less than 60 years remaining may have reduced CPF eligibility. 232 blocks (89%) in this price range have under 60 years left.
Related Questions
Find Your Specific Block
Search any of 9,762 HDB blocks for detailed resale prices, valuations, and lease decay projections.