Type

Units

Min Area

Price Range

3 BR

1108 sqft

S$3,800/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$3,800.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$760 on this acquisition.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

871 Tampines Street 84: A Mature HDB Community in Tampines

871 Tampines Street 84 represents a well-established residential block within the heart of Tampines, one of Singapore's most mature and densely developed housing estates. This development sits at the intersection of established neighbourhood infrastructure and proven long-term capital stability, making it a compelling option for homebuyers across multiple segments of the market. The block comprises a mix of multi-bedroom units designed to accommodate growing families and investors with diverse space requirements.

Located in the Tampines planning district, this HDB development benefits from decades of estate maturation, which has resulted in comprehensive neighbourhood amenities, schools, and medical facilities. The surrounding area has evolved into a self-contained community with strong retail, dining, and recreational offerings. Prospective buyers are purchasing not just a property but access to an ecosystem of services and social infrastructure that continues to support property values across the estate.

Connectivity and MRT Accessibility

Tampines MRT station serves as the primary transit hub for residents at 871 Tampines Street 84, providing direct access to the East-West Line (EW line). This connectivity has historically underpinned demand for properties in the Tampines area, as commuters can reach the Central Business District, major employment hubs, and educational institutions within 20–30 minutes. The reliability of this MRT connection has contributed to sustained rental demand and relatively stable property appreciation in the precinct.

The walkable distance to the MRT station reinforces convenience for both owner-occupiers and tenants, a factor that increasingly influences investment yields in HDB resales. The broader Tampines catchment continues to attract young professionals, families relocating from private housing, and investors seeking exposure to an estate with proven long-term demand dynamics. Access to the EW Line also positions residents well for employment trends along the corridor, from Marina Bay to the western zones.

Unit Mix and Market Positioning

The development offers a range of unit configurations, with three-bedroom flats dominating the portfolio alongside larger multi-bedroom options for extended families or those prioritising additional space. Pricing across available units reflects the established nature of the estate and typical resale market conditions in Tampines, where per-square-foot rates align with recent transaction activity in neighbouring blocks. Buyers should expect variation in asking prices based on floor level, unit orientation, remaining lease length, and internal condition, though the overall price trajectory in Tampines has demonstrated resilience over the past decade.

Units on higher floors typically command premiums owing to improved views, reduced noise exposure, and enhanced natural light—factors that resonate strongly with owner-occupiers upgrading from smaller homes. Mid-floor units often represent better value for investors focused on yield optimisation, as the price differential does not always translate proportionally into higher rental demand. Ground and lower-floor units may appeal to elderly residents or those with mobility considerations, though these typically price lower than comparable mid to upper-floor stock.

Investment Considerations and Rental Yield

For investors evaluating 871 Tampines Street 84 as a portfolio addition, estimated rental yields typically range from 3% to 4% gross, depending on final acquisition cost and unit configuration. A three-bedroom unit purchased at the median resale price in this precinct would typically command monthly rental of S$2,800–S$3,400, placing it in line with competitive rental rates for similar stock in surrounding blocks. The maturity of the Tampines estate and high concentration of young working professionals and families ensure consistent tenant demand, reducing vacancy risk relative to newer or more remote developments.

Lease decay remains a central consideration for HDB resale investors: properties with remaining terms below 80 years experience accelerated depreciation as they approach the 99-year expiry threshold. Buyers should verify remaining lease length at the point of purchase and factor this into their long-term value projections. The Housing and Development Board's recent policy refinements around lease buyback options have marginally reduced the severity of late-stage lease decay, but investors should not rely on these programmes as a guaranteed capital preservation mechanism.

Stamp Duty and Financing Implications

First-time homebuyers purchasing at 871 Tampines Street 84 benefit from full remission of Buyer's Stamp Duty, a significant advantage that can reduce cash outlay by approximately 3–4% of the purchase price. However, investors or those purchasing a second residential property must account for Additional Buyer's Stamp Duty (ABSD) at the rate of 20%, applied to the purchase price on top of standard conveyancing costs. This means a S$550,000 purchase would incur approximately S$110,000 in ABSD—a substantial amount that must be included in investment appraisals and financing calculations.

Total debt service ratio (TDSR) headroom is a critical consideration for mortgage applicants at these price points. Banks typically allow TDSR ratios of 60%, meaning that on a S$550,000 purchase financed at 75% loan-to-value, monthly debt obligations (inclusive of the mortgage and any existing liabilities) should not exceed 60% of gross household income. At current interest rates around 3.5–4%, a loan of S$412,500 would carry monthly instalments of approximately S$1,900–S$2,100 over a 25-year term, demanding a gross household income of at least S$3,800–S$4,200 to meet TDSR requirements comfortably.

Buyer Profiles and Suitability

871 Tampines Street 84 appeals to upgraders exiting smaller HDB units (two-bedroom or studios), particularly those with growing families seeking the additional space and established neighbourhood credentials that Tampines offers. Young couples purchasing their first home benefit from lower friction in this segment, given the transparent resale market and straightforward valuation comparables. Investors with medium-term holding periods (7–10 years) find value in the consistent tenant demand and predictable capital appreciation trajectory, though they must accept that HDB leasehold appreciation is inherently slower than private residential growth.

High-net-worth individuals occasionally purchase units as part of broader Singapore real estate portfolios, typically viewing HDB investments as stable, lower-volatility exposure compared to private condominiums or landed properties. Expatriate residents are unable to purchase HDB flats, meaning the entire buyer universe comprises Singapore citizens and permanent residents—a factor that simplifies demand forecasting and reduces volatility from sudden policy shifts affecting foreign investor participation.

Comparative Market Position

Neighbouring HDB blocks in the immediate Tampines Street vicinity—including recent comparable transactions in surrounding addresses—establish a transparent pricing floor and ceiling for 871 Tampines Street 84. Resale prices per square foot in this micro-location have historically tracked within 5–8% of adjacent blocks, reflecting uniform location benefits and estate-wide amenity access. Newer Build-to-Order (BTO) completions in other parts of Tampines may initially attract some first-time buyer interest, but these units typically command higher prices per square foot owing to modern finishes and longer remaining lease periods—a trade-off that favours resale stock like 871 Tampines Street 84 for cost-conscious upgraders.

Estate Maturity and Future Supply Outlook

Tampines remains a mature estate with limited greenfield development potential, meaning future HDB supply in the district will primarily comprise infill projects and en-bloc regeneration schemes. This structural supply constraint has historically supported resale values in the precinct, as new BTO releases elsewhere draw first-time buyers away from the resale market while upgraders continue to cycle through existing stock. The Urban Renewal Authority (URA) has identified Tampines as a focus area for selective estate rejuvenation, though major redevelopment remains several years away and would not materially impact current resale values.

Frequently Asked Questions

What is the estimated gross rental yield for a three-bedroom unit at 871 Tampines Street 84?

Based on current resale pricing and comparable rental rates in the Tampines precinct, a three-bedroom unit at 871 Tampines Street 84 would generate gross rental yields of approximately 3% to 4% annually. A unit purchased at S$550,000 would typically command monthly rental of S$2,800–S$3,400, translating to annual rental income of S$33,600–S$40,800 against the purchase price. Actual yields vary based on floor level, unit orientation, and remaining lease period, with higher-floor and better-oriented units often commanding rental premiums of 5–10% above base-case assumptions.

How does the per-square-foot pricing at 871 Tampines Street 84 compare to recent transactions in surrounding Tampines blocks?

Resale pricing at 871 Tampines Street 84 is typically aligned with the broader Tampines HDB market, with per-square-foot rates tracking within 5–8% of comparable stock in neighbouring addresses. Recent transactions in the immediate vicinity have established a pricing band of approximately S$450–S$520 per square foot for three-bedroom units, depending on remaining lease length and floor level. Blocks with longer remaining lease tenure or superior MRT proximity may command premiums at the upper end of this range, whilst those nearing critical lease thresholds below 80 years may trade at modest discounts, reflecting the accelerated depreciation effect.

What is the Additional Buyer's Stamp Duty (ABSD) impact for a second-property purchaser?

Singapore Citizens purchasing a second residential property incur Additional Buyer's Stamp Duty (ABSD) at a rate of 20% of the purchase price, on top of standard Buyer's Stamp Duty and other conveyancing costs. For a unit priced at S$550,000, the 20% ABSD liability would total S$110,000—a substantial cash requirement that must be factored into investment appraisals and financing arrangements. When combined with standard Buyer's Stamp Duty (approximately S$14,100 at this price point) and legal fees, total acquisition costs for a second-property purchaser would reach approximately S$124,100, increasing the effective cost of the investment by nearly 23% above the nominal purchase price.

How does remaining lease length affect long-term capital appreciation and resale value?

HDB flats with remaining lease terms below 80 years experience accelerated depreciation, particularly in the final two decades before the 99-year lease expires, as buyers become increasingly reluctant to finance properties with compressing residual values. A three-bedroom unit with 75 years remaining would typically trade at a 5–10% discount to comparable stock with 85+ years remaining, reflecting the compressed appreciation horizon and reduced mortgage availability from conservative lenders. Whilst the Housing and Development Board's lease buyback options have introduced a degree of mitigation, these programmes do not guarantee full capital preservation and should not form the primary basis of long-term investment strategy. Buyers should verify remaining lease length at purchase and model capital appreciation conservatively beyond the 80-year threshold.

How does proximity to Tampines MRT station influence demand and capital appreciation?

Direct MRT connectivity via Tampines station on the East-West Line (EW) has historically underpinned sustained demand and relatively stable capital appreciation in the precinct, as residents enjoy reliable commute access to the CBD, employment hubs, and educational institutions within 20–30 minutes. Comparable HDB estates further from MRT stations typically experience lower rental demand and slower capital appreciation, as tenants and owner-occupiers increasingly prioritise transit accessibility for lifestyle and economic convenience. The maturity of Tampines as a complete town—with integrated retail, healthcare, and educational services—combined with EW Line access, has positioned 871 Tampines Street 84 in a fundamentally stable demand zone, reducing downside risk compared to estates in peripheral locations or those serviced only by bus networks.

Is 871 Tampines Street 84 suitable for first-time homebuyers, upgraders, and investors?

The development appeals across multiple buyer segments: first-time buyers benefit from full Buyer's Stamp Duty remission (reducing acquisition costs by 3–4%), transparent resale comparables, and access to established neighbourhood amenities; upgraders from smaller HDB units find appealing space configurations and proven long-term location stability; investors appreciate consistent tenant demand, predictable 3–4% gross yields, and the absence of foreign investor competition in the HDB sector. However, investors must carefully model lease decay beyond the 80-year threshold and accept that HDB leasehold appreciation is inherently slower than private residential growth, making medium to long-term holding periods (7–10+ years) essential for meaningful capital accumulation. Owner-occupiers seeking to build equity in a stable, service-rich environment will find the risk-return profile aligned with their priorities.

What Debt Service Ratio (TDSR) headroom is required to finance a typical unit at 871 Tampines Street 84?

At the median resale price of approximately S$550,000, a first-time buyer financing 75% loan-to-value would require a mortgage of S$412,500, generating monthly instalments of approximately S$1,900–S$2,100 over a 25-year term at current interest rates of 3.5–4%. Banks typically enforce a maximum TDSR of 60%, meaning total monthly debt obligations (including the mortgage and any existing liabilities such as car loans or credit card commitments) cannot exceed 60% of gross household income. To comfortably accommodate a mortgage at this price point whilst maintaining TDSR headroom, a household should target gross income of at least S$3,800–S$4,200 per month, or approximately S$45,600–S$50,400 annually. Second-property buyers must add the S$110,000 ABSD liability to their upfront cash requirement, typically reducing financing appeal unless they have substantial equity from earlier purchases.

How does 871 Tampines Street 84 compare to newer BTO completions elsewhere in Tampines?

Newer Build-to-Order (BTO) completions in other parts of Tampines typically command per-square-foot premiums of 8–15% over comparable resale stock at 871 Tampines Street 84, reflecting modern finishes, contemporary design standards, and substantially longer remaining lease periods (95+ years). First-time buyers drawn to BTO projects accept higher nominal prices in exchange for newer construction and psychological comfort around lease decay risk; however, upgraders and investors prioritising cost efficiency often find superior value in mature-estate resale stock like 871 Tampines Street 84, where per-square-foot pricing is lower and established tenant demand is already proven. The resale market advantage is particularly pronounced for cost-conscious buyers willing to undertake modest cosmetic upgrades, as the underlying property fundamentals—location, MRT access, and amenity density—remain identical to BTO units in the same precinct.

Which floor levels and unit stacks offer the best value at 871 Tampines Street 84?

Mid-floor units (levels 5–20) typically offer the most compelling value proposition for investors, as they command modest premiums over lower floors (approximately 2–4% per level) without reaching the significant price escalation seen in premium upper-floor stock (levels 25+). Lower-floor units (levels 2–4) may trade at 10–15% discounts to mid-floor comparables owing to reduced natural light, increased external noise, and lower perceived prestige, though they appeal to elderly residents or those with mobility limitations. Upper-floor units attract owner-occupiers willing to pay 15–25% premiums for superior views, enhanced privacy, and natural light, but investors should weigh this premium against the proportionally lower rental uplift (typically 3–7%), making the yield dilution uneconomical for buy-to-let strategies. Intermediate floor levels provide the optimal balance of capital appreciation potential and rental efficiency.

What is the future supply pipeline in Tampines, and how might it affect 871 Tampines Street 84?

Tampines is a mature estate with limited greenfield development capacity, meaning future HDB supply will predominantly comprise infill projects, BTO releases on smaller sites, and selective en-bloc regeneration schemes—all of which are several years away from completion and will not materially disrupt current resale values in the near to medium term. The Urban Renewal Authority (URA) has identified Tampines as a focus area for estate rejuvenation, but such initiatives typically prioritise ageing blocks with structural or safety concerns, and even when triggered, compensation and rehousing programmes are prolonged, reducing immediate resale market pressure. This structural supply scarcity has historically supported resale valuations at 871 Tampines Street 84, as new BTO releases elsewhere satisfy first-time buyer demand whilst upgraders continue to cycle through the established stock, creating sustained demand for quality resale units in well-connected precincts like this one.

[For Rent] Hdb Flat At 871 Tampines Street 84 — From S$3,800