Answer
HDB 4-Room Resale Price 2026 — By Town
The 4-room flat is Singapore's most popular HDB type. Median prices for every major town, plus what drives the gap between $450K and $680K.
Answer: HDB 4-room resale flats cost $450K–$680K in 2026 depending on town. Mature estates like Queenstown, Toa Payoh, and Bishan command $600K+. Non-mature estates like Woodlands, Jurong West, and Sembawang sit at $450K–$520K. The overall national median is around $550K.
4-Room Resale Prices by Town
Median transacted prices, Q4 2025 – Q1 2026
| Town | Estate Type | Median Price | Price Range |
|---|---|---|---|
| Queenstown | Mature | $680,000 | $580K – $830K |
| Bukit Merah | Mature | $660,000 | $550K – $800K |
| Toa Payoh | Mature | $640,000 | $530K – $760K |
| Central Area | Mature | $630,000 | $520K – $750K |
| Bishan | Mature | $620,000 | $520K – $730K |
| Ang Mo Kio | Mature | $600,000 | $490K – $710K |
| Clementi | Mature | $590,000 | $480K – $700K |
| Tampines | Mature | $570,000 | $470K – $680K |
| Bedok | Mature | $560,000 | $460K – $660K |
| Kallang/Whampoa | Mature | $550,000 | $450K – $660K |
| Punggol | Non-Mature | $530,000 | $440K – $630K |
| Sengkang | Non-Mature | $520,000 | $430K – $620K |
| Bukit Batok | Non-Mature | $510,000 | $420K – $600K |
| Choa Chu Kang | Non-Mature | $490,000 | $400K – $580K |
| Jurong West | Non-Mature | $480,000 | $390K – $570K |
| Woodlands | Non-Mature | $470,000 | $380K – $560K |
| Sembawang | Non-Mature | $450,000 | $370K – $540K |
Source: HDB resale transaction data (data.gov.sg). Prices rounded to nearest $10K. Range reflects 10th–90th percentile.
4-Room Resale Price Trend (2020–2026)
| Year | Median (All Towns) | YoY Change |
|---|---|---|
| 2020 | $370,000 | — |
| 2021 | $420,000 | +13.5% |
| 2022 | $470,000 | +11.9% |
| 2023 | $510,000 | +8.5% |
| 2024 | $535,000 | +4.9% |
| 2025 | $548,000 | +2.4% |
| 2026 (Q1 est.) | $555,000 | +1.3% |
Source: HDB Resale Price Index & transaction data. 2026 is an estimate based on Q4 2025 and early Q1 2026 transactions.
Factors That Affect 4-Room Resale Prices
| Factor | Impact | Example |
|---|---|---|
| Remaining lease | High | 90+ yrs vs 60 yrs = $80K–$150K gap |
| Floor level | High | High floor premium: $20K–$60K |
| MRT proximity | High | Within 500m = 5–10% premium |
| Town (mature vs non-mature) | High | $100K–$200K gap |
| Renovation condition | Medium | Well-renovated = $15K–$40K premium |
| Flat model (DBSS, premium, standard) | Medium | DBSS/premium = $40K–$80K more |
| View (unblocked vs blocked) | Medium | Unblocked = $15K–$30K more |
| School proximity | Low–Medium | Popular primary school within 1km |
4-Room vs 5-Room Resale Prices
How the price gap looks across different towns
| Town | 4-Room Median | 5-Room Median | Difference |
|---|---|---|---|
| Queenstown | $680,000 | $820,000 | +$140K |
| Toa Payoh | $640,000 | $760,000 | +$120K |
| Tampines | $570,000 | $660,000 | +$90K |
| Punggol | $530,000 | $620,000 | +$90K |
| Woodlands | $470,000 | $530,000 | +$60K |
5-room flats cost $60K–$140K more depending on town. The gap is wider in mature estates.
Planning to buy or sell a 4-room resale?
See what you can afford based on your income, CPF, and existing debts. Or check the stamp duty at your target price.
FAQ
How much does a 4-room HDB resale flat cost in 2026?
A 4-room HDB resale flat costs between $450,000 and $680,000 depending on the town. In mature estates like Queenstown, Toa Payoh, and Bishan, expect $600,000 or more. In non-mature estates like Woodlands and Jurong West, prices range from $450,000 to $520,000.
Which town has the most expensive 4-room resale HDB?
Queenstown and Bukit Merah consistently have the highest 4-room resale prices, with medians above $650K. Central Area also commands premiums. These are mature estates with strong MRT access and proximity to the CBD.
Are 4-room HDB resale prices still rising in 2026?
Yes, but growth has moderated. 4-room resale prices rose about 3-5% year-on-year in early 2026, down from 8-12% in 2022-2023. Increased BTO supply and cooling measures have slowed the pace.
What is the difference between a 4-room and 5-room HDB?
A 4-room HDB flat is about 90 sqm (3 bedrooms + 1 living room), while a 5-room is about 110 sqm (3 bedrooms + 1 living room + dining). 5-room flats cost $100K-$150K more on average. 4-room is the most popular flat type in Singapore.
Can I afford a 4-room resale HDB on $5,000 salary?
At $5,000 gross income with an HDB loan (2.6%, 25yr, 80% LTV), your max loan is about $400K, supporting a purchase around $500K. With a bank loan, TDSR at 4% stress test limits you to roughly $460K-$480K. A $500K 4-room in a non-mature estate is within reach.
Related
- HDB Resale Prices Data — all towns, all flat types
- HDB 5-Room Resale Price 2026 — $580K–$750K median
- HDB 3-Room Resale Price 2026 — $320K–$500K median
- Stamp Duty on a $600K HDB — $12,600 BSD
Last updated Feb 2026. Prices based on HDB resale transaction data (data.gov.sg). Actual prices vary by specific block, floor, lease, and condition. This is market data, not property advice.