Answer
HDB Resale Grant Income Ceilings (2026)
Every dollar of grant money you're entitled to, broken down by income.
Answer: HDB resale grants have different income ceilings: Enhanced Housing Grant (EHG) requires household income ≤ $9,000/month (couples) or $4,500 (singles). CPF Housing Grant for Family requires ≤ $14,000/month. Proximity Housing Grant (PHG) has no income ceiling. First-timer couples can stack all three for up to $160,000 in total grants. Second-timers only get PHG at half rate.
Grant Income Ceilings at a Glance
| Grant | Income Ceiling | Max Amount | Who |
|---|---|---|---|
| Enhanced Housing Grant (EHG) | $9,000 | $80,000 | First-timer couples |
| EHG (Singles) | $4,500 | $40,000 | First-timer singles (35+) |
| CPF Housing Grant (Family) | $14,000 | $50,000 | First-timer couples (4-room+) |
| CPF Housing Grant (Singles) | $7,000 | $25,000 | First-timer singles (35+) |
| Proximity Housing Grant | No ceiling | $30,000 | Anyone (first or second-timer) |
Income ceiling refers to average gross monthly household income over the past 12 months. All amounts as of 2026.
EHG Amount by Income Band (Couples)
The EHG is tiered — lower income means a larger grant. Here are the key bands:
| Monthly Income | EHG Amount |
|---|---|
| Up to $1,500 | $80,000 |
| $1,501 – $2,000 | $75,000 |
| $2,001 – $2,500 | $70,000 |
| $2,501 – $3,000 | $65,000 |
| $3,001 – $3,500 | $60,000 |
| $3,501 – $4,000 | $55,000 |
| $4,001 – $4,500 | $45,000 |
| $4,501 – $5,000 | $35,000 |
| $5,001 – $6,000 | $25,000 |
| $6,001 – $7,000 | $15,000 |
| $7,001 – $8,000 | $10,000 |
| $8,001 – $9,000 | $5,000 |
| Above $9,000 | Not eligible |
Singles (35+) get half these amounts with an income ceiling of $4,500. Both applicants must have been employed for at least 12 continuous months.
CPF Housing Grant (Family / Singles)
This grant is simpler — it's either the full amount or nothing, based on flat type:
| Flat Type | Couples | Singles (35+) |
|---|---|---|
| 2-room Flexi | $50,000 | $25,000 |
| 3-room | $50,000 | $25,000 |
| 4-room | $50,000 | $25,000 |
| 5-room / Executive | $40,000 | $20,000 |
Income ceiling: $14,000/month for couples, $7,000 for singles. Must be first-timer (never received housing subsidy before).
Proximity Housing Grant (PHG)
The PHG rewards living near (within 4 km) or with parents or married child. It has no income ceiling, making it available to all buyers:
| Scenario | First-Timer | Second-Timer |
|---|---|---|
| Living with parents/child (same flat) | $30,000 | $15,000 |
| Living near parents/child (within 4 km) | $20,000 | $10,000 |
| Singles living with parents | $15,000 | $7,500 |
| Singles living near parents | $10,000 | $5,000 |
Total Grant Examples
| Profile | EHG | Family | PHG | Total |
|---|---|---|---|---|
| Couple, $5K income, 4-room, near parents | $35,000 | $50,000 | $20,000 | $105,000 |
| Couple, $8K income, 5-room, near parents | $10,000 | $40,000 | $20,000 | $70,000 |
| Couple, $12K income, 4-room, near parents | $0 | $50,000 | $20,000 | $70,000 |
| Single (35+), $4K, 4-room, near parents | $20,000 | $25,000 | $10,000 | $55,000 |
| Second-timer couple, $10K, near parents | $0 | $0 | $10,000 | $10,000 |
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Calculate Your NumbersFAQ
What is the income ceiling for the Enhanced Housing Grant (EHG)?
The EHG has an income ceiling of $9,000 per month for couples and $4,500 for singles. Grant amounts decrease as income rises: couples earning up to $1,500 get the maximum $80,000, while those earning $8,501-$9,000 get $5,000. You must have worked for at least 12 months and not own or have disposed of private property in the last 30 months.
Is there an income ceiling for the Proximity Housing Grant (PHG)?
No. The Proximity Housing Grant has no income ceiling. Any Singapore Citizen household buying a resale flat to live near parents or married child (within 4km) qualifies for $20,000. If you are buying to live with parents or married child in the same flat, the grant is $30,000. Singles buying near parents get $10,000 or $15,000.
Can I get multiple HDB resale grants at the same time?
Yes. The three main resale grants (EHG, CPF Housing Grant for Family, and PHG) can all be stacked. A first-timer couple earning $5,000 buying a 4-room resale flat near parents could receive up to $80,000 (EHG) + $50,000 (Family Grant) + $20,000 (PHG) = $150,000 in total grants. Each grant has its own eligibility criteria.
What counts towards the income ceiling for HDB grants?
HDB uses the average gross monthly household income over the 12 months before your resale application. This includes basic salary, overtime, commissions, bonuses (averaged), and rental income. It does NOT include NS allowance, one-off insurance payouts, or dividends from investments. For self-employed, HDB uses the latest tax assessment.
Do second-timers qualify for any HDB resale grants?
Second-timers can only get the Proximity Housing Grant (PHG) at half rates: $10,000 for living near parents (vs $20,000 for first-timers) or $15,000 for living with parents (vs $30,000). Second-timers do NOT qualify for EHG or the CPF Housing Grant for Family. If you previously received a housing subsidy (BTO or grant), you are a second-timer.
Related
Last updated Feb 2026. Grant amounts and income ceilings are based on HDB published rates. Actual eligibility depends on your HFE assessment. Apply via HDB Flat Portal for confirmation.