HDB Resale Prices in 2026: Key Trends and Analysis
In 2026, HDB resale prices are expected to moderate due to a surge in flats reaching Minimum Occupation Period (MOP), with 13,480 units becoming eligible—nearly double the 6,970 from 2025.
This increased supply, concentrated in Punggol, Queenstown, and Tampines, will likely stabilise prices in mature estates and heartlands, helping buyers find value without aggressive price hikes.[1]
At Homejourney, we prioritise your safety by verifying market data and providing transparent insights, so you can confidently navigate the HDB resale market. This cluster dives into price trends as part of our broader HDB Resale Flat Buying Guide 2026: Homejourney's Complete Roadmap ">HDB Resale Flat Buying Guide 2026, offering tactical analysis for first-timers, upgraders, and investors.
Why 2026 MOP Supply Changes the Resale Landscape
The MOP is the mandatory 5-year period HDB flat owners must live in their unit before selling on the open market. In 2026, 13,480 flats hit this milestone, including 5,909 four-room and 2,711 five-room units.[1]
This influx—projected to rise to 18,939 in 2027 and 21,393 in 2028—addresses pent-up demand from Covid-delayed BTO completions, easing pressure on resale prices.[1] National Development Minister Chee Hong Tat noted this will moderate resale growth, potentially allowing policy tweaks like shortening the 15-month wait-out for private property downgraders.[1]
For buyers, this means more choices in high-demand areas. Homejourney's verified listings on our Property Search ">property search tool help you spot these opportunities safely.
Hotspots: Where MOP Supply Impacts Prices Most
Mature estates like Queenstown (Dawson) and Toa Payoh (Bidadari) see significant MOP completions, tempering premium prices. A SkyTerrace @ Dawson five-room loft sold for $1.659 million in 2025, but 2026 supply could slow such surges.[1]
Heartlands like Tampines, Bedok, Bukit Batok, and Sengkang offer family-friendly options near MRTs and schools. Expect stabilisation here, with four-room flats trading around $800,000-$1 million psf under $700 in value-for-money estates.[1]
- Punggol & Tampines: Newer flats (5,909 four-room) appeal to young families; prices may dip 5-10% with supply.
- Queenstown/Dawson: Rare larger units remain buoyant, but increased listings add bargaining power.
- Bidadari: Central appeal drives demand, yet MOP flats could cap growth.
Check real-time transactions via HDB's portal and cross-reference with Homejourney's Projects Directory ">projects directory for neighbourhood insights.[4]
Current HDB Resale Price Benchmarks (Early 2026)
Average resale psf hovers at S$500-$1,200, varying by location and size. Recent samples:
| Area | Type | Size (sqft) | Price (psf) |
|---|---|---|---|
| Jurong East Ave 1 | 3-room | 1,410 | S$482 |
| Strathmore Ave (Queenstown) | 3-room | 893 | S$1,187 |
| Bedok North Rd | 3-room | 990 | S$768 |
| Punggol Rd | 3-room | 1,033 | S$677 |
[2] Five-room flats in Toa Payoh or Bedok may exceed $1.2 million, but MOP supply favours buyers in non-prime areas. Use Homejourney for verified psf comparisons.
Financial Factors: MSR, TDSR, and CPF in Resale Buys
Buying a resale flat involves HDB's Mortgage Servicing Ratio (MSR) capping housing loans at 30% of gross income, and Total Debt Servicing Ratio (TDSR) at 55% for all debts. Loan-to-Value (LTV) limits are 75% for first loans, dropping to 45% for subsequent buys.[HDB official guidelines]
CPF can cover up to your Ordinary Account balance (with accrued interest), but retain $80,000 + housing reserves post-purchase. Factor in Additional Buyer's Stamp Duty (ABSD): 17% for foreigners, 5-65% tiered for citizens/PRs on second properties.
Hidden costs: Agent fees (1-2%), legal fees ($2,000-$3,000), valuation ($200-$500). Explore options via Homejourney's Bank Rates ">mortgage rates page for safe financing comparisons.
Actionable Steps for Smart Resale Buying
- Check Eligibility: Use HDB portal for HDB Flat Eligibility (HFE) letter.
- Monitor Trends: Track MOP releases in target areas via Property Search ">Homejourney search.
- Budget Check: Calculate total costs including ABSD/BSD using our tools.
- View & Negotiate: Insider tip—visit during off-peak (weekdays post-6pm) for honest seller chats; aim 5-10% below asking in high-supply zones.
- Secure Financing: Get HDB loan or bank quotes pre-OTP.
Avoid pitfalls like overpaying in hype areas; recent Dawson three-room at $935,000 signals caution without MOP buffer.[1] For post-purchase, Homejourney's Aircon Services ">aircon services ensure home readiness.
Common Mistakes and Red Flags
- Ignoring MOP supply—prices won't skyrocket; don't rush.
- Skipping valuation—overpaying by 10% common without it.
- Misjudging TDSR—pre-approve loans first.
- Red flag: Sellers pressuring quick sales without HDB TP submission.
Link to our HDB MOP Rules: Price Trends & Market Analysis 2026 | Homejourney ">HDB MOP Rules: Price Trends 2026 for deeper MOP insights.
FAQ: HDB Resale Price Trends 2026
Will HDB resale prices drop in 2026?
Moderation expected, not drops, due to 13,480 MOP flats stabilising growth in Punggol, Tampines.[1]
Best areas for value in resale flats?
Heartlands like Bedok, Sengkang offer livability near MRTs at sub-$700 psf.[1]
How does MOP affect my buy?
More listings post-MOP mean better negotiation; check HDB portal.[4]
ABSD for resale flat buyers?
First-timer citizens: 0%; second property: 20% from 2026 tiers. Consult professionals.
Where to verify resale prices?
HDB's transacted prices tool and Homejourney's verified data.[4]
Ready to buy? Start with Homejourney's secure Property Search ">property search for trusted listings. This analysis builds on our pillar HDB Resale Flat Buying Guide 2026: Homejourney's Complete Roadmap ">HDB Resale Flat Buying Guide 2026—explore for the full HDB resale process. Homejourney verifies every step for your peace of mind.
