Type

Units

Min Area

Price Range

4 BR

1604 sqft

S$1.2M – S$1.2M

Property Highlights

HDB development with 3 units currently available.
Prices currently range from S$1.2M to S$1.2M.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$230K 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.

115 Clementi Street: A Premier HDB Development in Singapore's West

115 Clementi Street stands as one of Singapore's most prominent HDB addresses, located in the heart of the Clementi estate in the west of the island. This development represents a significant residential offering within a mature neighbourhood renowned for its stability, community spirit, and consistent property appreciation. The project attracts a diverse range of buyers, from first-time upgraders seeking larger living spaces to experienced investors capitalising on steady rental demand in this well-established precinct.

The estate benefits from its position within Clementi, a district that has evolved into one of Singapore's most desirable residential zones over several decades. Properties at 115 Clementi Street command attention from serious buyers because of the neighbourhood's proven track record of capital growth and the consistent appeal of living in a mature, fully developed area with established infrastructure. The surrounding environment offers residents immediate access to shopping malls, hawker centres, and recreational facilities that characterise the broader Clementi landscape.

Property Specifications and Layout Options

Units at 115 Clementi Street are available in multiple configurations, accommodating varying family sizes and lifestyle requirements. The flats range across different bedroom counts, with interior areas spanning approximately 1,604 square feet for larger configurations. This size range positions these properties as genuinely spacious HDB offerings, enabling families to benefit from well-proportioned living areas, multiple sleeping zones, and functional layouts that modern households demand.

The internal finishes and room configurations reflect contemporary standards expected in this price segment. Bathrooms are numerous enough to support larger households comfortably, whilst the overall floor plan encourages flexible use of space for both residential living and, where permitted, work-from-home arrangements. Prospective buyers will find that the unit diversity at this address caters to different demographic needs, whether young families establishing their first substantial property or experienced homeowners seeking lateral moves within the same district.

Strategic Connectivity and Neighbourhood Access

Location remains one of the strongest selling points for any property at 115 Clementi Street. The address sits within the Clementi precinct, which serves as a secondary hub within Singapore's western corridor. Residents benefit from proximity to major arterial roads, excellent bus connectivity, and easy access across the island through Singapore's well-integrated transport network. This locational advantage translates directly into convenience for commuting professionals and families managing multiple daily journeys.

The broader Clementi neighbourhood supports a comprehensive lifestyle ecosystem without requiring residents to venture far from home. Shopping centres, supermarkets, and entertainment venues are within walking distance or a short drive. Educational institutions, medical facilities, and recreational spaces—including parks and sports complexes—form part of the immediate amenity landscape. This density of facilities ensures that owners and tenants alike enjoy a self-contained living experience within a vibrant, established community.

Investment Potential and Resale Dynamics

From an investment perspective, properties within established HDB estates like Clementi have historically demonstrated resilience and steady appreciation. The maturity of the neighbourhood means that vacancy rates remain low, and tenant demand remains consistently robust. Buyers considering 115 Clementi Street as an investment asset should recognise that the Clementi estate benefits from organic demand generated by families, young professionals, and downsizers seeking proven residential areas rather than speculative new launches.

Resale values in this precinct have proven relatively stable, supported by the estate's reputation and the limited supply of equivalent-sized units within close proximity. The combination of spacious floor plates, established neighbourhood credentials, and predictable amenity upgrades positions these properties favourably against alternative HDB options across the island. Investors purchasing at this address can reasonably expect that future demand will sustain rental rates and support moderate-to-steady capital appreciation aligned with broader HDB market trends.

Financial Considerations for Prospective Buyers

Buyers examining properties at 115 Clementi Street should factor in Additional Buyer's Stamp Duty if this represents a second residential property purchase. Singapore Citizens acquiring a second residential property face a 20% ABSD levy on the purchase price, significantly increasing the effective cost of acquisition beyond the advertised unit price. This duty applies across all residential property types, including HDB flats, and represents a material consideration in any investment analysis or upgrade decision.

Financing through Housing and Development Board loans remains straightforward for Singapore Citizens and Singapore Permanent Residents, with loan-to-value ratios typically permitting substantial leverage on properties of this class. Prospective buyers should ensure their financial position comfortably accommodates monthly mortgage servicing plus associated costs including conservancy charges, property tax, and maintenance reserves. The price point of units at this address typically suits buyers with household incomes in the middle-to-upper income brackets, aligning with natural demand patterns within the Clementi estate.

Market Positioning and Competitive Context

Properties at 115 Clementi Street occupy a distinct position within Singapore's residential market. The address falls within the mature HDB segment, competing against other established estates across the west and central regions rather than against new launch condominiums or private housing. This positioning appeals to buyers seeking proven neighbourhood credentials, established community infrastructure, and stable property dynamics rather than development novelty or speculative upside.

The competitive set for these properties includes alternative HDB estates within Clementi itself and comparable developments across nearby planning areas. Buyers evaluating options typically assess price per square foot, neighbourhood maturity, transport connectivity, and amenity access when making final decisions. The fact that 115 Clementi Street maintains consistent buyer interest despite numerous competing projects underscores the fundamental appeal of this address within its market segment.

Future Outlook and Long-Term Ownership Prospects

Clementi remains strategically important within Singapore's broader residential and commercial landscape. The estate continues to benefit from planned infrastructure investments, retail regeneration, and the gradual appreciation that accompanies urban maturation. While new HDB development across the island remains limited in this density, established precincts like Clementi maintain relevance through their proven liveability and stable owner-occupier demand.

Owners at 115 Clementi Street can reasonably expect their properties to retain functional utility and market demand for decades ahead. The neighbourhood's institutional stability—reflected in consistent government investment in amenities and infrastructure maintenance—suggests that properties here will continue attracting families and investors seeking secure, established residential locations. For buyers with a multi-decade ownership horizon, this address represents a foundation for long-term stability rather than short-term capital speculation.

Frequently Asked Questions

What is the estimated rental yield for investment properties at 115 Clementi Street?

Rental yields for HDB flats at 115 Clementi Street typically range between 2.5% and 3.5% per annum, depending on unit configuration, floor level, and current market conditions. The Clementi estate maintains robust tenant demand from working professionals, small families, and expatriate renters seeking mature, well-connected neighbourhoods, which supports consistent occupancy rates and rental rate stability. These yields remain competitive within the HDB segment when compared to properties in newer estates or less established precincts, reflecting the neighbourhood's proven appeal to both owning families and quality tenants seeking established residential locations.

How does the price per square foot at 115 Clementi Street compare to recent Clementi HDB transactions?

Prices at 115 Clementi Street generally align with broader Clementi estate pricing, typically ranging between S$700 and S$850 per square foot depending on unit size, age, and specific location within the block. This price range reflects the address's position as a mid-to-premium option within the HDB resale market, commanding slight premiums over newer estates in more distant planning areas whilst trading below private property options in adjacent districts. Recent comparable transactions in Clementi demonstrate consistent appreciation of approximately 2% to 3% annually, suggesting that pricing at this development remains fair relative to historical trends and neighbourhood benchmarks.

How much ABSD will a second property buyer pay when acquiring a flat at 115 Clementi Street?

Singapore Citizens purchasing a second residential property face Additional Buyer's Stamp Duty of 20% on the property purchase price, a significant cost that must be factored into investment analysis and upgrade decisions. For a property valued at S$1.15 million, this translates to S$230,000 in ABSD alone, substantially increasing the effective acquisition cost beyond the advertised price. It is essential that second-property buyers understand this duty applies regardless of the property's existing lease duration or whether the previous property has been disposed of, and prospective investors should obtain professional tax advice before committing to any purchase.

What lease decay risks should I consider for properties at 115 Clementi Street?

Lease decay is not a material concern for properties at 115 Clementi Street in the immediate term, as HDB flats typically come with 99-year leases commencing from their original completion date. However, as leases decline below 80 years, resale values become increasingly sensitive to the remaining lease duration, with potential buyers requiring steeper discounts or lenders tightening loan-to-value ratios. Prospective long-term owners should plan for lease renewal options well in advance, particularly if considering this property as part of a multi-decade ownership or retirement strategy, and should remain informed about Government policies regarding lease extension or buyback schemes.

How does proximity to MRT stations affect property values and demand at 115 Clementi Street?

While 115 Clementi Street does not directly adjoin an MRT station, the broader Clementi estate benefits from excellent public transport connectivity that supports both property values and tenant demand. The neighbourhood's integration with Singapore's bus rapid transit network and reasonable distance to multiple MRT lines ensures that residents enjoy reliable commuting options without the noise and disruption associated with direct MRT adjacency. This balanced positioning—close enough for convenient transport access but far enough to avoid station-related congestion—has historically supported steady capital appreciation and sustained rental demand from commuters and families seeking quieter residential environments.

Who are the ideal buyer profiles for properties at 115 Clementi Street?

115 Clementi Street attracts several distinct buyer demographics: established families seeking spacious HDB environments with mature neighbourhood credentials, upgraders moving laterally within the same district to access larger unit configurations, and experienced property investors targeting steady rental income from a proven neighbourhood with consistent tenant demand. First-time buyers with substantial financial capacity may also find these properties attractive if seeking to bypass starter estates and enter directly into space-generous configurations. High-net-worth individuals represent a smaller but meaningful cohort, typically seeking these properties as rental assets rather than primary residences, drawn by the combination of stable tenant demand and neighbourhood institutional maturity.

What TDSR headroom and financing capacity should I expect at typical 115 Clementi Street price points?

Properties at 115 Clementi Street, priced typically from S$1.15 million upwards, require household incomes in the S$8,000 to S$12,000 monthly range to comfortably clear Total Debt Servicing Ratio (TDSR) requirements and maintain financial flexibility. HDB loan approval typically permits 80% loan-to-value financing, meaning buyers require cash deposits of approximately S$230,000 to S$300,000 depending on exact purchase price. Professional financial planning is essential at this price point to ensure that monthly mortgage servicing, conservancy charges, and property taxes do not exceed sustainable debt-servicing capacity whilst maintaining adequate emergency reserves and continuing other financial obligations.

How does 115 Clementi Street compare to competing HDB developments in the same planning area?

Within Clementi itself, 115 Clementi Street competes against other established blocks offering similar or comparable unit configurations, with differentiation primarily driven by specific floor levels, unit orientation, and individual block characteristics rather than fundamental neighbourhood differences. Properties in adjacent planning areas such as Bukit Batok or the Jurong corridor offer lower price points but sacrifice the neighbourhood maturity and amenity density that characterise Clementi. Conversely, newer HDB launches in more distant planning areas may offer marginally lower prices per square foot but require longer commutes and lack the established community infrastructure that attracts families to 115 Clementi Street, making direct price comparison insufficient without factoring lifestyle and connectivity premiums.

Which unit stacks or floor levels at 115 Clementi Street offer the best value proposition?

Mid-tier floor levels (typically floors 8 through 18) at 115 Clementi Street generally offer superior value compared to lower floors, which may suffer from reduced light, street noise, or perceived security concerns, and top floors, which command premium pricing without proportionate functional benefit. Corner units and units with east or west-facing orientations typically attract modest premiums, though interior orientation units (facing north or south) may offer acceptable value for buyers prioritising price over solar orientation preferences. Investors seeking rental yields should focus on units with standard layouts and neutral orientations, as tenant demand for HDB flats in this price segment remains fairly uniform and not substantially driven by floor level or aspect, allowing cost-conscious investors to capture similar rental income from modestly discounted middle-floor placements.

What is the future supply pipeline for HDB properties in Clementi, and how does this affect long-term value stability?

New HDB supply directly within Clementi remains limited, as the estate has reached maturity and represents completed built environment within established planning frameworks. Future HDB supply across Singapore is focused on new towns and designated growth corridors, meaning that Clementi properties including those at 115 Clementi Street benefit from constrained supply relative to stable underlying demand. This structural supply-demand imbalance supports moderate capital appreciation and sustained rental demand over multi-decade horizons, as the estate's residential capacity is fixed whilst population growth and urban expansion continue incrementally. Buyers considering 115 Clementi Street for long-term ownership can reasonably expect that supply constraints within the established HDB segment will continue supporting property values and neighbourhood demand characteristics.

Hdb Flat At 115 Clementi Street 13 — From S$1.2M