HDB Resale Flats Under $400,000 (2026)
2,063 HDB blocks across 25 towns have a median resale price under $400,000 as of Oct 2026. Yishun has the most options with 249 blocks at a median of $363,500.
Buying Under $400,000: What to Expect
At this price point, the market opens up significantly with 2,063 blocks (21% of all HDB stock). Yishun and Bedok offer the widest selection. This range includes a mix of older 3-room and 4-room flats, many still eligible for full CPF usage with leases averaging 56 years remaining.
HDB Blocks Under $400,000 by Town
| Town | Blocks | Median Price | Avg Lease | Flat Types Available |
|---|---|---|---|---|
| Yishun | 249 | $363,500 | 61 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive, Multi-Generation |
| Bedok | 191 | $350,000 | 53 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Ang Mo Kio | 189 | $353,000 | 53 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Bukit Batok | 184 | $353,000 | 60 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Jurong West | 158 | $358,000 | 60 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Woodlands | 122 | $350,000 | 62 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Hougang | 115 | $363,000 | 59 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Toa Payoh | 107 | $316,800 | 44 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Geylang | 94 | $305,000 | 48 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Bukit Merah | 89 | $333,000 | 48 yrs | 1 Room, 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Jurong East | 82 | $356,888 | 56 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Kallang/Whampoa | 67 | $333,000 | 48 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Queenstown | 67 | $320,000 | 44 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Bukit Panjang | 64 | $365,000 | 64 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Clementi | 61 | $360,000 | 53 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Choa Chu Kang | 56 | $378,000 | 67 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Tampines | 56 | $367,000 | 61 yrs | 2 Room, 3 Room, 4 Room, 5 Room, Executive |
| Serangoon | 35 | $365,000 | 57 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Sembawang | 22 | $370,000 | 81 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Sengkang | 19 | $354,000 | 85 yrs | 2 Room, 3 Room, 4 Room |
| Central Area | 9 | $362,500 | 50 yrs | 2 Room, 3 Room, 4 Room, 5 Room |
| Punggol | 9 | $362,000 | 89 yrs | 2 Room, 3 Room, 4 Room |
| Marine Parade | 8 | $380,000 | 49 yrs | 2 Room, 3 Room, 5 Room |
| Bishan | 6 | $370,000 | 54 yrs | 3 Room, 4 Room, 5 Room |
| Pasir Ris | 4 | $317,500 | 62 yrs | 2 Room, 3 Room, 5 Room |
Flat Types Available Under $400,000
| Flat Type | Blocks Under $400,000 | Median Price | Avg Remaining Lease |
|---|---|---|---|
| 3 Room | 1732 | $350,000 | 56 yrs |
| 4 Room | 1338 | $363,500 | 58 yrs |
| 5 Room | 265 | $360,000 | 56 yrs |
| 2 Room | 199 | $305,500 | 63 yrs |
| Executive | 92 | $357,500 | 54 yrs |
| 1 Room | 1 | $215,000 | 47 yrs |
| Multi-Generation | 1 | $380,000 | 60 yrs |
Lease Profile of Affordable Blocks
1496 blocks (73%) under $400,000 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 |
|---|---|---|
| 90+ years | 23 | 1% |
| 70–89 years | 149 | 7% |
| 60–69 years | 395 | 19% |
| 50–59 years | 1077 | 52% |
| Under 50 years | 419 | 20% |
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 $400,000 in Singapore?
2,063 HDB blocks across 25 towns have a median resale price under $400,000 as of Oct 2026.
Which town has the most HDB flats under $400,000?
Yishun has the most options with 249 blocks under $400,000, at a median price of $363,500.
What flat types can I buy under $400,000?
The most common flat types under $400,000 are 3 Room (1732 blocks), 4 Room (1338 blocks), 5 Room (265 blocks), 2 Room (199 blocks), Executive (92 blocks), 1 Room (1 blocks), Multi-Generation (1 blocks).
Are HDB flats under $400,000 old?
The lease profile varies. 1% of blocks under $400,000 have 90+ years remaining. 73% have less than 60 years remaining, which may affect CPF usage.
Can I use CPF to buy an HDB flat under $400,000?
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. 1496 blocks (73%) in this price range have under 60 years left.
Related Questions
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