There is the misconception that HDB flats in desirable housing estates are unaffordable. Indeed, it often seems like resale flats in the most popular estates can easily cross the million dollar mark.
To make matters worse, HDB resale prices rose by 1.8% in Q1 of 2024, and the total number of resale transactions rose by 8% compared to the previous quarter.
But guess what, there are still affordable housing options in estates with million dollar resale flats—if you know where to look!
To prove it, here are some attractive HDB 4-room and 5-room flats at affordable prices. Note that they were available at the time of writing.
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How to use PropertyGuru to filter based on your location and budget
First things first, if we were able to find affordable HDB flats, you can, too. Here’s how to find HDB flats that meet your needs on PropertyGuru.
1. Navigate to the PropertyGuru website or app.
2. Make sure the [Buy] tab is selected. Key in the area you wish to search for a flat in.
3. Click on [Property Type], select [HDB] and then use the check boxes to select your desired flat type. Finally, click [Apply Filters] to confirm your choice.
4. If you wish to filter flats according to price, click [Any Price], then key in your minimum and/or maximum price. Finally, click [Apply Filters] to confirm your choice.
5. Click [Search] to get to the listings.
6. Once on the listings page, you can sort the flats according to parameters such as price or size. Simply click on [Recommended] and then select your sorting preferences in the drop-down menu.
Affordable 4-room HDB flats in Kallang/Whampoa
2A Upper Boon Keng Road
| Size | 969 sq ft |
| Nearest MRT station | Kallang |
| TOP year | 2006 |
| HDB 4-room flat price | $770,000 |
This 4-room flat on Upper Boon Keng Road is located a five minute walk from Kallang MRT station. This is a gem of a location, located within easy walking distance of the Kallang River.
About 1.5 km or a 22 minute walk away are the malls and sporting amenities in the Kallang sporting precinct, including Kallang Wave Mall, Singapore Sports Hub, Kallang Tennis Centre and more.
The flat is located on a high floor and, having received its Temporary Occupation Permit (TOP) in 2006, is also relatively new.
Affordable 4-room HDB flats in Toa Payoh
152 Lorong 2 Toa Payoh
| Size | 980 sq ft |
| Nearest MRT station | Toa Payoh |
| TOP year | 2005 |
| HDB 4-room flat price | $760,000 |
This flat is extremely well-located within the Toa Payoh estate. Located at Lorong 2 Toa Payoh, it is only a six minute walk from Toa Payoh MRT station. It thus enjoys easy access to the many amenities surrounding the MRT station, including Toa Payoh Hub and Toa Payoh Public Library.
It is also located within walking distance of numerous schools, including CHIJ Primary (Toa Payoh), CHIJ Secondary (Toa Payoh), Kheng Cheng School and First Toa Payoh Secondary School.
The flat was built in 2005, so it is relatively new and in move-in condition.
Affordable 4-room HDB flats in Bukit Merah
119D Kim Tian Road
| Size | 936 sq ft |
| Nearest MRT station | Tiong Bahru |
| TOP year | 2002 |
| HDB 5-room flat price | $750,000 |
This flat is located within walking distance of Tiong Bahru’s best-loved eateries and lifestyle amenities, including Tiong Bahru Market and the chic cafes, bars and boutiques in the Seng Poh Road and Tiong Poh Road area.
It is also just a nine minute walk from Tiong Bahru MRT station and the area’s main shopping mall, Tiong Bahru Plaza, which houses amenities such as Fair Price Finest, Guardian Pharmacy, Daiso and Kopitiam.
As the flat was built in 2002, it is relatively new in an area populated by older flats.
Affordable 4-room HDB flats in Queenstown
56 Strathmore Avenue
| Size | 1,023 sq ft |
| Nearest MRT station | Queenstown |
| TOP year | 2002 |
| HDB 5-room flat price | $850,000 |
Situated just a seven minute walk from Queenstown MRT station on the city fringe, this flat enjoys a truly central location.
It is within easy walking distance of shopping and dining amenities such as Dawson Place and Mei Ling Market and Food Centre.
There are also a number of schools within walking distance, including Queenstown Primary School, Queenstown Secondary School and Crescent Girls’ School.
Affordable 4-room HDB flats in Bishan
123 Bishan Street 12
| Size | 904 sq ft |
| Nearest MRT station | Bishan |
| TOP year | 1986 |
| HDB 5-room flat price | $790,000 |
This flat is located in the heart of Bishan, a ten-minute walk from Bishan MRT station and the area’s main shopping mall, Junction 8, which is next door to Bishan Public Library.
Families with kids will be spoilt for choice when it comes to schools. Schools within walking distance include First Toa Payoh Primary School, Kheng Cheng Primary School, Kuo Chuan Presbyterian Primary School and Catholic High School.
The unit is located on a high floor and is in move-in condition, with renovations in a simple, contemporary style
Affordable 4-room HDB flats in Kallang/Whampoa
56 Geylang Bahru
| Size | 1,259 sq ft |
| Nearest MRT station | Geylang Bahru |
| TOP year | 1974 |
| HDB 5-room flat price | $828,000 |
Situated a stone’s throw from the Kallang River and the Kallang Park Connector, this flat in Geylang Bahru is located very near the Geylang Bahru Market and Food Cetnre, as well as the Kallang Basin ActiveSG Swimming Complex.
The flat enjoys great connectivity by public transport, with Geylang Bahru MRT station located a seven minute walk away and Boon Keng MRT station a 16 minute walk away. It is also near some choice schools, including Bendemeer Secondary School and St Andrew’s Secondary School.
The flat was built in 1974 and is located on a high floor. Despite its age, it is tastefully renovated and looks very modern.
Affordable 5-room HDB flats in Toa Payoh
103 Ah Hood Road
| Size | 1,270 sq ft |
| Nearest MRT station | Toa Payoh |
| TOP year | 1981 |
| HDB 5-room flat price | $848,000 |
This flat on Ah Hood Road is located a 14 minute walk from Toa Payoh MRT station. The Kallang River and Toa Payoh Town Park are an easy walking distance away, offering respite from urban life.
The flat is close to a variety of shopping and dining amenities, including Zhongshan Mall and Balestier Road with its many popular eateries, both of which are less than five minutes away on foot. Schools located nearby include CHIJ Primary (Toa Payoh) and CHIJ Secondary (Toa Payoh).
The unit is located on a high floor with only three other units on the same floor, offering greater privacy.
Affordable 5-room HDB flats in Bukit Merah
112B Depot Road
| Size | 1,249 sq ft |
| Nearest MRT station | Labrador Park |
| TOP year | 2006 |
| HDB 5-room flat price | $880,000 |
This 5-room flat on Depot Road is located a stone’s throw from key scenic spots in Telok Blangah, including Southern Ridges and Henderson Waves, making it ideal for those who like taking long walks in nature.
It is also located within walking distance of popular food and shopping spots like Alexandra Village, IKEA Alexandra and Queensway Shopping Centre.
The main drawback is that there are no MRT stations within walking distance, with the nearest MRT stations Labrador Park and Redhill located at a 27 and 30 minute walk respectively. However, residents will be able to take the bus to the nearest MRT station or directly to the city centre.
Affordable 5-room HDB flats in Queenstown
13 Dover Close East
| Size | 1,259 sq ft |
| Nearest MRT station | Buona Vista |
| TOP year | 1977 |
| HDB 5-room flat price | $930,000 |
This flat is ideal for families with school-age children due to its proximity to numerous choice schools, including Anglo Chinese School (Independent), Fairfield Methodist Primary and Secondary School and Anglo-Chinese Junior College.
It is also located within walking distance of the tech hub at One-North, which is convenient for those who work nearby.
With no shortage of nearby shopping and dining amenities including Holland Village, Star Vista and Ghim Moh Market, the flat’s location is highly attractive from a lifestyle point of view.
Affordable 5-room HDB flats in Bishan
157 Bishan Street 13
| Size | 1,302 sq ft |
| Nearest MRT station | Bishan |
| TOP year | 1987 |
| HDB 5-room flat price | $868,000 |
Located a 17 minute walk or two bus stops from Bishan MRT station, this flat is next door to the Kallang River, allowing for strolls by the waterfront.
Schools within easy walking distance include Kuo Chuan Presbyterian Primary School and Kuo Chuan Presbyterian Secondary School.
Compared to other 5-room flats, this unit is extremely spacious, at 1,320 sq ft, and also comes with a balcony.
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