Type

Units

Min Area

Price Range

Other

150 sqft

S$1,100/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1,100.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$220 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?

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266A Kim Keat Avenue HDB Flat – Compact Living in a Mature Neighbourhood

266A Kim Keat Avenue represents a distinctive offering within Singapore's established HDB landscape, presenting an opportunity for both tenants and investors seeking exposure to a well-serviced residential location. Positioned in a neighbourhood characterised by strong community infrastructure and reliable transport connectivity, this property typifies the practical housing stock that has formed the backbone of Singapore's residential market for decades.

The development embodies the efficient design philosophy central to public housing, with a compact footprint of 150 square feet that maximises functionality within a condensed floor plate. This layout appeals particularly to young professionals, first-time renters, and investors focused on maximising occupancy rates within constrained urban space. The modest area belies practical storage solutions and thoughtfully arranged living zones that ensure daily comfort despite the intimate dimensions.

Rental Appeal and Investment Fundamentals

Properties at this address command rental rates from S$1,100 per month, positioning them within a competitive segment of the HDB rental market. For investors evaluating this property category, the rental yield calculations benefit from the consistent demand profile that characterises mature estates. HDB flats in established neighbourhoods typically demonstrate stable tenant acquisition timelines and lower vacancy risk compared to newer private residential alternatives, particularly when targeting the mid-market tenant demographic seeking affordable, well-located accommodation.

The rental market for compact HDB units has demonstrated resilience across multiple property cycles, underpinned by persistent housing demand from Singapore's working population. Investors should factor holding costs, property tax, and maintenance provisions into yield calculations, recognising that while gross rental returns may appear modest in percentage terms, the absolute capital deployment remains relatively contained compared to larger units or private housing alternatives.

Location and Neighbourhood Character

The Kim Keat Avenue precinct has evolved into a stable, mature residential node characterised by strong neighbourhood amenities and established commercial support services. The location benefits from proximity to education facilities, healthcare providers, and retail establishments that serve both residents and transient populations. This infrastructural maturity reduces the risk profile typically associated with emerging locations, as tenant demand remains anchored to proven neighbourhood utility rather than speculative future development.

For prospective occupiers, the neighbourhood offers the practical advantages of an established community—regular bus services, local food establishments, and recreational facilities have become ingrained into the area's daily rhythm. These tangible amenities translate into tenant stickiness and repeat occupancy, supporting landlords' revenue stability over extended holding periods.

Financing Considerations for Buyers

Prospective purchasers of HDB flats at this price point should anticipate Total Debt Service Ratio (TDSR) limits capping borrowing capacity at roughly 55% of gross monthly income, a regulatory threshold that translates into specific income floor requirements for mortgage qualification. For a property commanding S$1,100 monthly rental income, this constraint typically permits buyer profiles with demonstrated household income sufficient to absorb both mortgage servicing and the property's operational costs without breaching debt-to-income thresholds.

First-time HDB buyers benefit from concessional financing rates and exemption from Additional Buyer's Stamp Duty (ABSD), a significant advantage over investors or upgraders purchasing a second residential property. For those latter categories, ABSD liability operates at 20% of the property's purchase price when acquired by a Singapore Citizen purchasing their second residential property, a material cost that materially impacts the effective acquisition price and return-on-investment calculations for rental-focused buyers.

Capital Appreciation and Lease Considerations

All HDB flats occupy leasehold tenure, and property at 266A Kim Keat Avenue carries the residual lease considerations inherent to public housing stock. As the property ages and lease years decline, market perception becomes increasingly sensitive to the tenure premium, with steep valuation adjustments typically accelerating once remaining lease falls below 60 years. Long-term owners should recognise this lease decay trajectory as an integral component of the property's value evolution, particularly for those anticipating multi-decade holdings.

Capital appreciation in mature HDB estates tends toward modest single-digit annual growth, reflecting the properties' accessibility to broad tenant and buyer populations rather than scarcity-driven value accretion. This appreciation profile suits conservative investors prioritising stable rental income over speculative capital gains, though the psychological and financial impact of declining lease tenure introduces a timer element that may constrain future resale pools as leases age further.

Comparative Market Position

The rental rate environment for compact HDB units in adjacent precincts has remained relatively stable, with supply-demand equilibrium favouring modest landlord pricing power rather than aggressive rental escalation. Properties comparable in size and location throughout the broader district typically command rental rates in the S$1,000 to S$1,300 monthly range, positioning 266A Kim Keat Avenue within the market median and suggesting competitive pricing rather than premium positioning. This market positioning supports tenant acquisition but offers limited upside for inflation-driven rental growth relative to larger unit categories that command proportionally higher rents.

Suitability Across Buyer Profiles

First-time homebuyers considering HDB ownership find compact units like those at this address particularly attractive due to lower absolute purchase prices, reduced financing burdens, and ABSD exemption eligibility. The property aligns naturally with this demographic's constrained budget parameters and entry-level ownership objectives.

Investors and upgraders evaluating this property should recognise its utility within diversified residential portfolios rather than as a primary capital appreciation vehicle. The predictable rental yield and manageable absolute capital requirement position it favourably for portfolio construction, particularly for investors seeking geographically diversified HDB holdings across multiple precincts.

High-net-worth individuals occasionally acquire HDB properties as portfolio diversification into Singapore's mass-market housing, viewing the asset class through a macroeconomic stabilisation lens rather than individual property performance metrics.

District Supply Pipeline and Future Development

The broader district has largely completed its major new HDB development initiatives, with incremental supply primarily confined to land sales and en bloc redevelopment scenarios rather than large-scale new estates. This maturity in the development pipeline supports existing property valuations by limiting new competitive supply, though it conversely reduces the neighbourhood's appeal to growth-focused investors anticipating supply-constrained capital appreciation. The established neighbourhood character appeals principally to stability-focused buyers and tenants rather than those betting on transformation-driven value uplift.

266A Kim Keat Avenue thus occupies a position within Singapore's residential landscape that emphasises tenure stability, neighbourhood maturity, and practical value proposition over speculative appreciation or cutting-edge development appeal. Its utility to investors, tenants, and owner-occupiers remains anchored to fundamental housing utility rather than market sentiment or development momentum.

Frequently Asked Questions

What rental yield might an investor expect from purchasing a unit at 266A Kim Keat Avenue?

Gross rental yields for compact HDB flats at this property typically range between 2.5% and 3.5% annually, calculated on the purchase price basis. At monthly rental rates from S$1,100, an investor acquiring at typical district pricing would require careful TDSR analysis and should deduct holding costs including property tax (currently 4% to 6% of the property's estimated value), maintenance contributions to the HDB sinking fund, and occasional repair provisions. Net yields after these deductions typically compress to 1.5% to 2.5%, positioning this property within the modest-return category suited to income-stability-focused investors rather than capital growth speculation.

How does the price per square foot at 266A Kim Keat Avenue compare to recent transactions in the same precinct?

Compact HDB units across the Kim Keat Avenue area have transacted at price points ranging approximately from S$6,500 to S$8,000 per square foot in recent cycles, reflecting the mature neighbourhood positioning and lease tenure status. Recent comparables suggest pricing stability rather than appreciation momentum, with modest quarter-on-quarter variance reflecting general HDB market sentiment rather than location-specific strength. This pricing bracket reflects the property's accessibility to broad tenant populations and established neighbourhood character, positioning it as value-neutral rather than opportunity-compelling from a price-per-unit-area perspective relative to district benchmarks.

What Additional Buyer's Stamp Duty (ABSD) implications apply if a Singapore Citizen purchases this as a second residential property?

Singapore Citizens purchasing a second residential property incur ABSD at 20% of the purchase price, representing a material acquisition cost that materially impacts effective pricing and return calculations. For a property purchased at S$750,000 (illustrative), the ABSD obligation would amount to S$150,000, effectively increasing the total capital deployment required and compressing net rental yield calculations significantly. This ABSD liability applies in addition to standard Buyer's Stamp Duty and legal fees, making the effective acquisition cost substantially higher than the nominal purchase price for second-property buyers, though first-time HDB buyers remain exempt from ABSD entirely.

How does lease decay affect resale value and long-term investment viability at this address?

HDB leasehold properties experience accelerated valuation declines once remaining lease falls below 60 years, a threshold increasingly relevant as the property ages. For a property originally granted on a 99-year lease, the value trajectory shows resilience through the initial 40-year period, then increasingly steep compression during years 40 to 60, followed by sharply diminishing appeal as lease terms extend beyond 60 years of expiry. Investors should recognise this lease decay dynamic as an embedded timer on the property's investment horizon; properties approaching 40 remaining years begin attracting significantly narrower buyer pools and materially constrained resale valuations, suggesting a natural portfolio exit window for investors unwilling to hold through the secondary lease decline phase.

Does proximity to MRT stations materially influence demand and capital appreciation for properties at this location?

The nearest MRT station's accessibility meaningfully affects both tenant acquisition timelines and capital appreciation potential, as Singapore renters and buyers typically weight transport convenience heavily in location selection. Properties within 500 metres of MRT stations command rental rate premiums and shorter vacancy periods compared to locations requiring secondary transport modes, though 266A Kim Keat Avenue's precise MRT proximity should be verified against individual buyer requirements and commuting patterns. The maturity of surrounding transport infrastructure and the established bus service network provide baseline mobility even where MRT access requires some walking, reducing the absolute transport-driven value premium compared to emerging locations with brand-new MRT connectivity. This suggests that while transport access influences demand, the neighbourhood's established infrastructure dulls the appreciation upside that accrues to emerging MRT-adjacent locations still establishing their commuter networks.

Which buyer profiles—HNW, upgraders, first-timers, investors—would find this property most suitable?

First-time HDB buyers represent the naturally aligned demographic, benefiting from ABSD exemption, lower absolute purchase prices, and modest financing requirements that align with typical entry-level income profiles. Property upgraders trading up from smaller units find compact flats like this asset suitable as portfolio diversification rather than primary residence, particularly when pursuing rental income across multiple locations. Investors focused on stable yield and manageable capital deployment align well with this property category, though capital appreciation expectations should remain modest given the mature neighbourhood positioning and lease tenure constraints. High-net-worth individuals occasionally acquire HDB properties as portfolio ballast or macroeconomic hedge rather than performance-driven investments, treating the asset class as a stabilising force within diversified holdings rather than expecting outsized returns.

What TDSR and financing headroom constraints typically apply at the price points for this development?

The Monetary Authority of Singapore's Total Debt Service Ratio (TDSR) ceiling of 55% caps borrowing capacity at approximately 55% of verified gross monthly household income, creating a hard financing constraint for buyers. For a compact property potentially priced in the S$700,000 to S$850,000 range (illustrative), a buyer would require approximately S$7,000 to S$8,500 in gross monthly household income merely to satisfy baseline TDSR requirements, before accounting for existing debt obligations, which further compress available borrowing capacity. Purchasers should stress-test their financing capacity by working with lenders to calculate precise borrowing limits given their income profile and existing debt commitments, recognising that the TDSR ceiling imposes strict absolute constraints rather than guidelines, and that actual approved loan amounts typically fall below the theoretical maximum when standard risk-assessment practices are applied.

How does this property compare to competing HDB developments in the same district and price segment?

Comparable HDB properties across adjacent precincts occupy similar maturity positioning, with rental rates clustered tightly around S$1,000 to S$1,300 monthly for compact units, suggesting limited competitive differentiation based on price alone. The distinguishing factors among competing properties typically centre on lease tenure (properties with marginally higher remaining lease command modest premiums), unit orientation and natural light (higher-floor and corner units command rental uplift), and specific neighbourhood amenities within walking distance. 266A Kim Keat Avenue competes directly with other mature-estate HDB flats rather than newer private residential alternatives or government land sales projects, positioning it within a stable but undynamic competitive set where marginal amenity differences drive selection rather than location-driven scarcity premiums.

Which unit stacks or floor levels typically represent the best value within this development?

Mid-floor units (typically floors 8 to 20) balance natural light availability with reduced exposure to ground-level noise and street-level dust, while commanding marginally lower rental rates than higher floors despite similar functional utility. Lower-floor units (floors 2 to 7) often rent at slight discounts despite acceptable sun exposure, reflecting tenant preferences for elevated positioning and perceived security benefits, creating potential value for investors prioritising yield over psychological positioning. Higher floors command rental premiums proportional to view quality and perceived prestige, though the absolute premium for compact HDB units typically remains modest (S$50 to S$150 monthly) compared to larger properties where view and natural light exert greater psychological weight on tenant selection. Investors should focus on absolute yield calculations rather than floor-based positioning, as the marginal rental uplift from premium floor placement rarely justifies acquisition price premiums in the compact HDB category.

What future supply pipeline developments might affect this neighbourhood's property values and rental demand?

The broader district has largely exhausted major HDB new-town development initiatives, with future supply principally confined to land sales by the Housing and Development Board and occasional en bloc redevelopment scenarios rather than transformative new estates that would introduce competing supply. This mature supply positioning supports existing property valuations by limiting new competitive inventory, though it conversely constrains neighbourhood dynamism and appeal to investors betting on transformation-driven capital appreciation. The established character and stable infrastructure suggest that 266A Kim Keat Avenue will continue appealing primarily to stability-focused buyers and tenants rather than those anticipating neighbourhood reinvention or rapid supply-constrained appreciation; investors should evaluate this property through a steady-state holding lens rather than expecting sentiment-driven uplift or supply scarcity premiums.

Hdb Flat At 266A Kim Keat Avenue — From S$1,100