HDB Resale Prices in 2026: Key Trends and What Buyers Need to Know
In 2026, HDB resale prices are expected to moderate due to a surge of 13,480 flats reaching Minimum Occupation Period (MOP), nearly double the 6,970 from 2025, primarily in Punggol, Queenstown, and Tampines.[1] This increased supply, including 5,909 four-room and 2,711 five-room units, will likely stabilise prices and offer better value for buyers seeking HDB resale flat buying complete: price trends and market analysis.[1] Homejourney prioritises your safety by verifying data from official sources like HDB, helping you navigate this market confidently.
This cluster article dives deep into 2026 price trends, connecting back to our comprehensive HDB Resale Flat Buying Guide 2026: Homejourney's Complete Roadmap ">HDB Resale Flat Buying Guide 2026: Homejourney's Complete Roadmap for the full resale process. Whether you're a first-timer, upgrader, or investor, understanding these trends ensures informed, secure decisions in Singapore's HDB resale market.
Current HDB Resale Price Trends: January 2026 Snapshot
The HDB resale price index rose 1.2% month-on-month to 209.7 in January 2026, up 2.4% year-on-year, showing resilient demand despite moderating growth.[2] Five-room flats in mature estates like Queenstown and Toa Payoh remain buoyant due to scarcity of larger, newer units, while heartland areas like Tampines and Bedok see stabilisation from MOP completions.[1]
Real transaction data from Yishun illustrates affordability: a 93m² four-room Model A flat at Block 468A sold for $602,000 (2019 build, 92-year lease), and a similar unit at Block 479C fetched $628,000.[3] Use Homejourney's Property Search ">property search tool to explore verified listings near you, ensuring transparency and trust.
- Mature Estates (e.g., Queenstown, Toa Payoh): Premium pricing; SkyTerrace @ Dawson five-room loft hit $1.659M in 2025, with three-room units over $900K.[1]
- Non-Mature Estates (e.g., Punggol, Yishun): Value options; Yishun four-room flats average $550K-$650K for mid/high floors.[3]
- Year-on-Year Growth: 7.3% overall in mid-2025, but 2026 MOP supply tempers surges.[2]
Insider tip: Check HDB's official Straits Times Housing News ">resale transaction portal for prices within 200m of any block, just like locals do for spot-on comparisons.[4]
Impact of MOP Completions on 2026 Resale Market
Over 13,480 flats hitting MOP in 2026—concentrated in high-demand areas like Dawson (Bidadari vicinity) and heartlands—will exert downward pressure on prices, mitigating surges.[1] Analysts predict slower growth, especially for four-room flats, as sellers flood the market with post-Covid BTO units.[1] By 2027-2028, supply jumps to 18,939 and 21,393 units, further stabilising the HDB resale landscape.[1]
For buyers, this means more choices in family-friendly towns with schools, malls, and MRT access, like Tampines (convenient via Tampines MRT Exit A, 5-min walk to many blocks).[1] Homejourney verifies these trends to build trust, unlike unverified listings elsewhere.
| Flat Type | MOP Units in 2026 | Key Areas | Price Outlook |
|---|---|---|---|
| 4-Room | 5,909 | Punggol, Tampines | Moderate growth |
| 5-Room | 2,711 | Queenstown, Bedok | Buoyant in matures |
| 3-Room | 2,561 | Yishun, Sengkang | Stabilising |
| 2-Room | 2,299 | Bukit Batok | Value-driven |
Source: Adapted from property analysts via Straits Times.[1] Always cross-check with Projects Directory ">Homejourney's projects directory for latest data.
Financial Factors: Costs, Duties, and Financing for Resale Buyers
Budget for buy resale flat costs beyond price: Additional Buyer's Stamp Duty (ABSD) starts at 17% for first-timers (Singaporean couples), Buyer's Stamp Duty (BSD) up to 6%, plus legal fees (~$2K-$3K).[HDB official guidelines]. Loan-to-Value (LTV) caps at 75% for resale, subject to Total Debt Servicing Ratio (TDSR) <55% and Mortgage Servicing Ratio (MSR) <30% of income.
CPF can cover up to your Ordinary Account balance (with accrued interest), but retain $5K+ for emergencies. Compare HDB loans (2.6% pegged rate) vs bank options via Bank Rates ">Homejourney's bank rates page. Example: $600K Yishun four-room at 75% LTV needs ~$40K cash + duties.
- Calculate BSD/ABSD using HDB's portal.
- Assess MSR/TDSR with salary slips.
- Grant eligibility: Enhanced CPF Housing Grant up to $120K for families.
Disclaimer: This is general info; consult HDB or professionals for personalised advice. Homejourney ensures safe transactions through verified data.
Actionable Steps: How to Buy in This Moderating Market
1. Monitor MOP-heavy areas like Queenstown for value post-2026 listings.
2. Use Property Search ">Homejourney property search for real-time, verified HDB resale process flats.
3. Time your HDB transaction for Q2-Q4 2026 when supply peaks.
4. Factor lease decay: Prioritise 90+ year leases (e.g., 2019 Yishun builds).[3]
Common mistake: Overlooking location perks—e.g., Yishun Ave 9 blocks are 8-min walk to Khatib MRT, boosting resale value. Link to our HDB Resale Buying Process: Step-by-Step Guide by Homejourney ">HDB Resale Buying Process: Step-by-Step Guide for full resale flat guide.
Risks and Red Flags in 2026 Resale Market
- Price Bubbles in Prime Areas: Avoid chasing $1M+ Dawson units without income buffer.[1]
- Lease Decay: Skip under 70-year leases for investment; focus own-stay.
- Unverified Sellers: Stick to HDB portal and Homejourney for safety.
Pro tip: Post-purchase, budget for maintenance like aircon servicing via Aircon Services ">Homejourney aircon services to protect your investment.
FAQ: HDB Resale Price Trends 2026
Q: Will HDB resale prices drop in 2026?
A: Moderation expected from 13,480 MOP flats, especially in Punggol/Tampines, but five-room matures stay strong.[1]
Q: Best areas for value buy resale flat now?
A: Yishun (e.g., $570K-$645K four-rooms), Tampines for families; check Projects Directory ">projects directory.[3]
Q: How does ABSD affect first-time buyers?
A: 17% on second property for couples; use HDB calculator. See HDB Resale Flat Financing: Complete Loan Guide | Homejourney ">HDB Resale Flat Financing Guide.
Q: Impact of MOP on my buying timeline?
A: More listings mid-2026; plan via full HDB Resale Flat Buying Guide 2026: Homejourney's Complete Roadmap ">roadmap.
Q: Is now a good time for HDB resale investment?
A: Stabilising prices suit long-term holds; review HDB Resale: Investment vs Own Stay Guide by Homejourney ">Investment vs Own-Stay Guide.[1]
Ready for secure HDB resale flat buying? Start with Homejourney's verified tools today for a trusted journey home. Explore the pillar HDB Resale Flat Buying Guide 2026: Homejourney's Complete Roadmap ">HDB Resale Flat Buying Guide 2026 now.
