Are you looking for the most affordable HDB estate in Singapore? 

Most Affordable HDB Estate in Singapore

HDB has played a major role in our country achieving such a high rate of home-ownership. Nearly 80% of Singaporeans own their first home through the way of public housing. I want to explore where are the lowest-priced HDB estates based on past transactions.

“What determines the price of an HDB flat?”

Prices vary depending on several factors such as:

  • Maturity of the town
  • Proximity to the city centre
  • Amenities available
  • Popularity 
  • Lease remaining

💡 Pro tip: If you are a HDB seller and want to know how much your flat can fetch? Feel free to contact a property agent to get a detailed home report. I personally prefer using analytics to decide how much I should position the selling price.



To identify which estate is lowest, we will use 4-Room flat type as the basis for comparison because the transaction volume for 4-Room is highest.

Top 5 most affordable HDB Town in Singapore in 2019


Amongst the lowest HDB towns, I picked two which I believe has the best potential for capital appreciation in future.


For those who enjoy weekend trips to Johor Bahru for cheap food and massages is likely to be familiar with the bustling Woodlands scene and it is about to get bigger. Woodlands will transform into the “Star Destination of the North” in the next decade with the “Remaking Our Heartlands” initiative. There is a highly anticipated potential of owning a Woodlands home as the upside is the highest for any HDB Town estate considering it is the lowest entry-level HDB flat.


Artist’s impression of the landmark housing development, to be situated at Woodlands Regional Centre. Photo: Housing and Development Board


“Discovery Playground” in the Marsiling area, which will part of the Remaking Our Heartlands programme for Woodlands. Photo: Housing and Development Board

Job Creation Opportunity in Woodlands

The two most relevant development proposals that will have a significant impact on the Woodlands industrial property market are the North Coast Innovation Corridor (NCIC) and the Woodlands North Coast.

Woodlands Industrial Park E. One advantage enjoyed by industrialists located in Woodlands is the proximity to residential estates. Source: Business Times


The Woodlands North Coast and NCIC will form one in a belt of key growth nodes across Singapore’s north and north-eastern area, bringing jobs closer to homes. I believe with all these factors in play, Woodlands is a safe bet if you intend to sell your HDB flat for a profit in future.

Jurong West 

JRL will add 24 stations to the existing rail network which will link to the North-South Line and East-West Line. Source: LTA

Future Jurong Region Line and Cross Island Line, which will serve the western part of Singapore by 2035, will help to connect workers to the high-value jobs expected to be created by the development of the Jurong Lake District, Jurong Innovation District and Tuas Terminal.

Jurong Lake District  


The 360ha Jurong Lake District is set to become the largest commercial and regional centre outside Singapore’s city centre. Soruce: URA

Many investors are drawn to new projects in the west because of the potential upside of Jurong lake district, being the 2nd CBD in future. The close proximity to Future High-Speed Rail Terminus which connects Singapore to Kuala Lumpur within 90 minutes, also is one of the reasons why buyers are suddenly attracted to this location.  A new Jurong Innovation District (JID), envisioned as the industrial park of the future will be built as part of the Government’s push to encourage more innovation.

Jurong’s Massive Makeover. Source: ST


High-Speed Railway. Source: Straits Times


Jurong is set to be the 2nd CBD in Singapore. Do not wait till prices have gone up then decide, I strongly recommend you to buy and wait for the price to go up as it seems more than likely to happen

There are plenty of compelling reasons why you should consider buying your first home in this 2 estates. I truly believe with as time goes by, these estates will be worth more than what they are now.

Still considering which HDB town will have the most potential in future? Contact our team at Lovelyhomes. We have a solution for you!

Our team at Lovelyhomes is committed to assisting homeowners with all their real estate needs, we are dedicated to providing you with the highest level of service as we value you, our lovely clients!




Eugene Koh +65 90405508

Your friendly real estate consultant. Love to give constructive advice to your next property purchase/sale 
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