New Homeowner Cost Guide: Singapore Prices 2026
As a new homeowner in Singapore, budgeting for essential setup costs is crucial in 2026. Expect HDB renovations from $30,000-$90,000 depending on flat type, plus ongoing services like aircon and cleaning at $80-$300 per session. Homejourney provides verified providers with transparent pricing to help you plan safely and save.[1][2]
Why This New Homeowner Guide Cost Guide Matters for 2026
This cluster focuses on precise 2026 pricing for new homeowners, linking back to our pillar New Homeowner Guide: Essential Services to Book First New Homeowner Guide: Essential Services to Book First | Homejourney . With rising material costs and HDB regulations, accurate budgets prevent surprises. Homejourney verifies all providers for BCA licensing and offers upfront quotes, prioritizing your safety and trust.
Singapore's market sees HDB BTO renovations averaging $36,000-$44,000 for 3-room flats, higher for resale due to hacking needs.[1][2] Factor in condo MCST rules for external work. Use Homejourney's platform at https://www.homejourney.sg to compare without hidden fees.
HDB Renovation Costs: 2026 Breakdown by Flat Type
HDB flats dominate new homeowner setups. For a 3-room BTO (65 sqm), basic renovations cost $34,200-$52,100, including dismantling ($400-$1,000/room) and carpentry ($7,500-$33,700 for bedrooms).[1] 5-room resale units hit $78,600-$93,500 due to rewiring and plumbing.[1][3]
| Flat Type | Size (sqm) | 2026 Cost Range |
|---|---|---|
| 2-Room BTO | ~45 | $15,000-$38,000[2][3] |
| 3-Room BTO | ~65 | $25,000-$52,100[1][2] |
| 4-Room BTO | ~90 | $35,000-$61,800[1][2] |
| 5-Room BTO/Resale | ~110 | $40,000-$93,500[1][3] |
Resale flats add 20-30% for demolition. Insider tip: HDB permits are free but require 4-week approval—plan via HDB InfoWEB. For condos, expect $40,000-$100,000 for 100 sqm new units.[3]
Essential Home Services: 2026 Pricing for New Flats
Aircon Servicing and Installation
New flats need new flat services like aircon checks. Basic servicing: $80-$150/unit (chemical overhaul $200-$350). Installation for 1HP unit: $1,200-$2,000, higher in condos due to MCST approvals. Homejourney's verified techs ensure NEA-compliant work.Aircon Services
Deep Cleaning and Moving
Post-renovation cleaning: $300-$600 for 3-room HDB. Moving half-load (1-2 rooms): $400-$800; full-load 4-room: $1,200-$2,500. Bundle via Homejourney for 10-20% savings. See our guide on Half Load vs Full Load Moving Costs Singapore 2026 Half Load vs Full Load Moving Costs Singapore 2026: Homejourney Guide .
- Plumbing: Basic fix $150-$300; full repipe $5,000-$10,000 (PUB-regulated).
- Pest Control: $180-$350 (NEA-licensed), quarterly for HDB.
- Electrical: Rewiring $8,000-$15,000 for older resale.
Urgency adds 50%; off-peak (Jan-Mar) saves 15%.
Hidden Costs and Money-Saving Tips for New Homeowners
Watch for material inflation (up 5-10% in 2026) and false ceilings ($2,000-$5,000/room).[1] HDB hacking permits cost $300-$500 if non-compliant.
- Get 3 quotes on Homejourney—verified providers show real reviews.
- Bundle aircon + cleaning for 15% off via app.
- Schedule post-CNY (March) for lower rates.
- DIY minor paint ($500 savings) but hire pros for wiring (BCA safety rules).
- Finance via HDB loans (1.99% p.a., up to $30k) or check https://www.homejourney.sg/bank-rates.[1]
Premium services worth it for custom carpentry (lasts 10+ years). Regular maintenance halves emergency costs.
Homejourney: Your Trusted Partner for First Home Services
Homejourney verifies providers, offers service guarantees, and real homeowner reviews. Book aircon, moving, or cleaning in minutes at https://www.homejourney.sg/search. No hidden charges—transparent pricing builds trust. For projects, visit Projects Directory .
FAQ: New Homeowner Costs Singapore 2026
How much is HDB renovation in 2026?
A 3-room BTO costs $34,200-$52,100; 5-room resale $78,600-$93,500. Varies by scope—use Homejourney for quotes.[1]
What are essential home services for new flats?
Aircon servicing ($80-$350), deep cleaning ($300-$600), moving ($400-$2,500). Book verified pros on Homejourney for safety.
How to save on new homeowner costs?
Bundle services, off-peak booking, compare on Homejourney. Avoid emergencies with quarterly maintenance.
Are there loans for renovations?
HDB loans up to $30k at 1.99%; personal up to 10x income. Check bank rates on Homejourney.[1]
Condo vs HDB service costs?
Condos 20-30% higher due to MCST. Homejourney handles approvals seamlessly.
Ready to setup your new home? Start with transparent pricing on Homejourney and revisit our pillar for full essentials New Homeowner Guide: Essential Services to Book First | Homejourney . Your safe journey starts here.
