Best HDB Resale Flats Under $500K (2026)

As of early 2026, the $500,000 price ceiling for HDB resale flats primarily encompasses 3-room units in mature estates and 4-room units in non-mature towns. Data from the HDB Resale Portal indicates that towns such as Woodlands, Jurong West, and Choa Chu Kang provide the highest volume of inventory within this budget. The average price per square foot (PSF) for these transactions typically ranges from $450 to $550, depending on the remaining lease and floor level.

Transaction data from 2025 shows that 4-room flats in Woodlands and Sembawang are frequently priced between $465,000 and $495,000, representing a 4.2% year-on-year increase. In mature estates like Bedok and Geylang, 3-room flats remain accessible under $500,000, though these units often have less than 65 years of remaining lease. The price gap between a 4-room flat in a non-mature estate and a 3-room flat in a mature estate has narrowed to approximately 12% within this budget segment. 5-room flats under $500,000 have become increasingly scarce, appearing almost exclusively in older blocks in Jurong West with leases shorter than 60 years.