Type

Units

Min Area

Price Range

Other

130 sqft

S$1,550/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1,550.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$310 on this acquisition.
Located 5 min (420 m) from EW23 Clementi MRT Station.

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.

455 Clementi Avenue 3: HDB Living in Singapore's Established West Region

455 Clementi Avenue 3 represents a compelling opportunity within Singapore's mature West Region housing landscape. Positioned in the heart of Clementi, one of the island's most established residential precincts, this HDB development offers residents straightforward access to everyday conveniences, reliable public transport, and a well-established community fabric that has developed over decades.

The development's defining advantage lies in its exceptional proximity to Clementi MRT Station on the East-West Line. Situated merely five minutes' walk away—approximately 420 metres—the property places commuters within arm's reach of Singapore's busiest transport corridor. This translates to rapid connectivity across the island: eastbound travellers reach the CBD in approximately 20 minutes, whilst westbound commuters enjoy easy access to Jurong's employment hubs and industrial estates. For professionals working across multiple zones or managing daily business commitments, this MRT accessibility fundamentally reshapes travel time calculations and quality-of-life considerations.

Location and Neighbourhood Character

Clementi has evolved into one of Singapore's most balanced residential districts, blending mature town planning with consistent infrastructure investment. The neighbourhood surrounding 455 Clementi Avenue 3 encompasses a comprehensive range of daily-use facilities: multiple shopping centres including The Clementi Mall and Clementi Shopping Centre, diverse hawker centres serving everything from traditional Singaporean fare to contemporary cuisines, primary and secondary schools, banking facilities, and healthcare services including polyclinics and private medical centres. This established infrastructure creates a self-contained living ecosystem where residents rarely need to venture beyond the immediate vicinity for routine errands.

The area's maturity also means well-maintained public spaces, established community programmes, and reliable municipal services. The neighbourhood character reflects decades of organic community building rather than emerging development, which translates to stable property values and proven long-term desirability. For families, this means schools with established track records; for professionals, it means reliable utilities and transport; for investors, it means a predictable tenant market with consistent demand.

Residential Flexibility and Unit Variety

The project aggregates multiple unit configurations across its floors and stacks, providing flexibility for different household compositions and investment strategies. Whether seeking a compact entry-level property for first-time buyers or consolidating multiple units as part of an investment portfolio, the development's mix accommodates various financial and functional requirements. Unit sizes and configurations vary throughout the project, allowing purchasers to align their selection with specific space needs, natural light preferences, and budget parameters.

Investment Potential and Rental Dynamics

For investors considering this development, the Clementi precinct has demonstrated consistent rental demand, particularly from young professionals and families priced out of prime central areas. The combination of MRT accessibility and mature neighbourhood facilities creates reliable tenant demand, with rental yields historically aligning with broader HDB market performance. Properties within five minutes' walk of an MRT station typically command rental premiums compared to those requiring longer commutes, potentially enhancing gross rental yield calculations for buy-to-let investors. The established community character also reduces tenant turnover volatility, as residents tend to remain longer in mature, well-serviced neighbourhoods compared to newly developed areas.

Capital Appreciation and Market Positioning

Clementi's position within the West Region's mature property ecosystem positions 455 Clementi Avenue 3 advantageously for long-term capital preservation. Unlike emerging estates subject to supply shocks from new development, Clementi's supply has stabilised, reducing oversupply risks that could dampen price growth. The consistent MRT connectivity, coupled with the absence of any imminent large-scale new residential supply in the immediate vicinity, suggests a stable foundation for property values. Historical transaction data for HDB flats in Clementi demonstrates steady psf appreciation, with recent transactions typically ranging between S$6,500 and S$7,500 per square metre depending on unit type and stack position.

Buyer Suitability and Financing Considerations

This development suits multiple buyer profiles. First-time buyers benefit from mature neighbourhood stability and proven resale markets—critical factors when building foundational property equity. Young upgraders moving from studio apartments or 2-room units find well-balanced options that provide additional space without overextending financing capacity. Families prioritise the school catchments and established community facilities that Clementi reliably delivers. For investors, the combination of MRT accessibility, tenant demand, and stable underlying values creates a lower-risk acquisition compared to emerging estates subject to speculative cycles. Owner-occupiers appreciate the practical balance between affordability and convenience, avoiding both the premium pricing of central locations and the transport accessibility trade-offs of peripheral estates.

Most purchasers in the Clementi HDB market finance acquisitions across 25 to 30-year mortgage terms, with Total Debt Service Ratio (TDSR) calculations typically consuming between 35% and 40% of household gross income at current interest rate levels. This leaves adequate headroom for property taxes, insurance, and maintenance contributions within standard lending parameters. First-time buyer programmes and housing grants further enhance accessibility for eligible Singapore Citizens, potentially reducing down-payment requirements and improving overall capital efficiency.

Regulatory Framework and Buyer Considerations

Purchasers should note that Additional Buyer's Stamp Duty (ABSD) applies to second and subsequent residential property acquisitions by Singapore Citizens at a rate of 20%. This represents a significant cost element for investors or upgraders and should factor prominently into acquisition cost calculations. Careful structuring—such as considering whether to retain, sell, or assign the existing property before acquiring—materially impacts overall transaction costs.

Infrastructure and Future Development Context

The West Region's infrastructure planning emphasises consolidation and optimisation rather than expansion, meaning Clementi will likely remain stable rather than experiencing transformative development. The Clementi area benefits from completed transport infrastructure, shopping centres, and community facilities, reducing uncertainty around future neighbourhood disruption. This stability appeals particularly to owner-occupiers seeking long-term residential predictability and to conservative investors prioritising steady returns over speculative appreciation.

455 Clementi Avenue 3 ultimately represents pragmatic HDB ownership: established location, reliable transport, proven community infrastructure, and straightforward financing accessibility. It encapsulates what has made Clementi consistently attractive across multiple property cycles: a neighbourhood that prioritises livability over hype, delivering reliable value for residents who prioritise commute efficiency and neighbourhood stability above aspirational development positioning.

Frequently Asked Questions

What rental yield can investors realistically expect from properties at 455 Clementi Avenue 3?

HDB flats in Clementi typically achieve gross rental yields of 3.5% to 4.5% depending on unit size, floor level, and stack position, with premium yields attainable for units in high-foot-traffic stacks or with particularly convenient layouts. The five-minute proximity to Clementi MRT Station (EW23) enhances tenant demand compared to similar-sized units elsewhere in the estate, as young professionals and families actively prioritise MRT accessibility when selecting rental properties. Rental income stability in Clementi exceeds emerging estates, as the established neighbourhood infrastructure and proven amenity mix minimise tenant turnover volatility. Investors should stress-test assumptions against current market rates for comparable units in the neighbourhood, recognising that yields fluctuate with prevailing interest rates and broader market sentiment.

How does the price per square foot at 455 Clementi Avenue 3 compare to recent nearby transactions?

Recent HDB transactions in the Clementi precinct have transacted between approximately S$6,500 and S$7,500 per square metre, with variations reflecting stack position, floor level, unit orientation, and specific layout characteristics rather than fundamental property quality. Properties demonstrating superior eastern or western exposure, lower floor positions (reducing lift waiting times), or premium stack locations typically command the upper end of this range, whilst standard-position units trade at more accessible price points. The development's core location—five minutes from the MRT station rather than peripheral stacks requiring 10+ minute walks—positions it favourably relative to neighbourhood averages. Comparing specific unit psf figures against recent comparable sales data remains essential, as individual unit premiums or discounts reflect granular location factors rather than uniform development-wide pricing.

What is the Additional Buyer's Stamp Duty (ABSD) impact for second-property buyers purchasing at this development?

Singapore Citizens acquiring a second residential property incur Additional Buyer's Stamp Duty at 20% of the property value, representing a substantial cost element that must factor into acquisition budgeting. For properties transacting around S$500,000, this translates to approximately S$100,000 in ABSD liability—a figure that materially impacts overall purchase economics and should be carefully modelled within financing capacity assessments. Upgraders moving from HDB to HDB, or investors adding to existing property portfolios, must carefully evaluate whether retention, assignment, or sale of the existing property offers superior cost efficiency given current market conditions. Proper professional advice on structuring the transaction can sometimes yield tax efficiency, though the 20% rate applies universally to second residential acquisitions and represents a binding regulatory cost.

Does the 99-year HDB lease impact long-term resale value and investment viability at this address?

HDB leases in Singapore operate on fixed 99-year terms, meaning properties at 455 Clementi Avenue 3 will experience lease decay as the unexpired term diminishes over time, with material resale value impact typically accelerating once the lease falls below 80 years remaining. Financial institutions progressively reduce mortgage lending against properties with shorter lease periods, creating a financing bottleneck that depresses demand and, consequently, resale prices. However, the long-term government policy of offering lease renewal and buyback schemes for public housing provides structural protection against catastrophic value collapse—the Housing and Development Board has consistently extended expiring leases to maintain the public housing asset base. Investors should plan holding periods and exit timelines acknowledging this lease decay dynamic, and prioritise the earliest-released units or lowest-stack options (which often trade at discounts) to maximise residual value when eventually disposing.

How does proximity to Clementi MRT Station (EW23) influence demand and capital appreciation potential?

MRT accessibility represents perhaps the single most significant demand lever for residential property in Singapore, and the five-minute walking distance from this development to Clementi Station (EW23) creates a material demand premium relative to HDB units positioned 10+ minutes away. The East-West Line itself constitutes Singapore's busiest transit corridor, carrying over 550,000 daily commuters, ensuring robust and sustained tenant demand for rental properties and consistent buyer interest for owner-occupancy across property cycles. Properties within defined MRT walksheds (typically 400–600 metres) command demonstrated capital appreciation premiums, with historical data showing superior long-term price growth compared to distant units. The stable, high-frequency service profile of the East-West Line—operating since 1987 with proven reliability—means this transport advantage will likely persist indefinitely, underpinning long-term value retention and reducing speculative risk.

Which buyer profiles are best suited to purchasing at 455 Clementi Avenue 3?

First-time buyers benefit enormously from Clementi's mature neighbourhood profile, established resale market liquidity, and straightforward transit connectivity—factors that reduce purchase anxiety and simplify future exit planning. Young upgraders transitioning from 1-room or 2-room units find the neighbourhood offers meaningful quality-of-life improvement without the premium pricing of central locations, allowing them to build property equity efficiently. Families with school-age children prioritise the established primary and secondary school catchments that Clementi provides, alongside mature community facilities and low-risk neighbourhood character. Conservative investors seeking steady rental yields with minimal disruption risk prefer Clementi's stable supply dynamics and proven tenant demand over emerging estates subject to price volatility and supply shocks. Owner-occupiers over 35 years old often select Clementi for its pragmatic convenience-to-cost ratio, avoiding both the speculative positioning of emerging estates and the premium pricing of aspirational central-region addresses.

What TDSR and financing headroom should buyers expect at typical Clementi HDB price points?

Most HDB buyers in the Clementi market transact at price points between S$400,000 and S$650,000, resulting in monthly mortgage servicing costs (across standard 25–30 year terms) typically ranging from S$1,800 to S$2,800 at prevailing interest rates. Total Debt Service Ratio calculations generally consume 35% to 40% of gross household monthly income, leaving adequate financing headroom for property taxes, insurance, and maintenance contributions within standard lending parameters. First-time buyers utilising Housing Development Board financing—which offers marginally more favourable rates and longer amortisation periods than private bank products—often achieve superior debt servicing ratios, sometimes approaching 30% of household income if qualifying income exceeds S$8,000 monthly. Purchasers should obtain formal mortgage in-principle approval before committing to any negotiation, as individual bank assessments of serviceability vary materially based on employment stability, bonus patterns, and total debt profiles.

How does 455 Clementi Avenue 3 compare to nearby competing HDB developments in the precinct?

Clementi as a whole comprises multiple distinct HDB estates developed across different decades, each with subtly different characteristics reflected in pricing and demand patterns. Properties at 455 Clementi Avenue 3 compete directly with units in nearby stacks and alternative Clementi Avenue locations, with pricing differentials primarily reflecting stack position, floor level, unit orientation, and individual layout advantages rather than substantive neighbourhood variation. Compared to more peripheral Clementi estates positioned further from the MRT station, this development commands a modest premium reflecting superior transport accessibility—typically 3% to 5% higher psf for equivalent unit types. Compared to emerging HDB estates in outer West Region locations (such as Jurong West or Bukit Batok), Clementi commands a significant maturity premium reflecting superior infrastructure, established community character, and reduced future supply uncertainty, despite similar or sometimes higher effective pricing.

Which floor levels or stacks offer superior long-term value at this development?

Lower floors (typically levels 1–5) trade at meaningful discounts relative to mid-level and upper floors, reflecting buyer preferences for natural light, reduced lift waiting times, and psychological comfort with height—yet these discounted properties often represent superior value for long-term investors, as the pricing differential exceeds any genuine utility penalty. Mid-level stacks (floors 6–15) typically balance premium pricing with practical livability advantages, offering acceptable compromises between light, view, and access convenience. Corner stacks and units with superior natural exposure consistently command premiums of 5% to 10% relative to standard-position units, justifying these premiums only if personal preferences genuinely value enhanced natural light and cross-ventilation. Investors prioritising pure yield should favour the lowest-discounted stacks and floor levels available, as rental demand shows minimal variance by floor position for HDB units—tenants prioritise transport proximity and price over light-related premiums. Future resale planning should recognise that mid-range floors (8–12) typically command the strongest resale liquidity, as this positioning satisfies the broadest buyer preferences.

What future supply pipeline exists in the West Region and Clementi precinct that could impact values?

The West Region's residential supply pipeline has contracted substantially compared to the 2010s, reflecting the Housing Development Board's strategic shift toward outer-zone development (Punggol, Sengkang, Woodlands) to manage overall supply balance and maintain pricing stability. Clementi itself has not received major new residential allocation in recent Housing Development Board sales launches, suggesting the precinct will likely remain supply-constrained over the next 5–10 years, a factor supporting long-term capital value stability. The broader West Region has absorbed significant new supply at Jurong West and Bukit Batok, creating emerging-area alternatives that may gradually capture price-sensitive buyer demand historically directed toward Clementi, though these newer estates lack the infrastructure maturity and transport optimization that Clementi provides. Any future infill development in the Clementi precinct would likely target secondary roads or lower-utilisation sites rather than disrupting the established character, meaning macro supply risk remains manageable. For investors and owner-occupiers planning 10+ year holding horizons, the constrained supply outlook for mature Clementi supports confident long-term value preservation assumptions.

[For Rent] Hdb Flat At Clementi Avenue 3 — From S$1,550