Type

Units

Min Area

Price Range

Other

150 sqft

S$1,200/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1,200.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$240 on this acquisition.
Located 9 min (740 m) from EW17 Tiong Bahru 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.

126C Kim Tian Road, Tiong Bahru – Central Location with Strong Connectivity

126C Kim Tian Road represents an attractive entry point into one of Singapore's most established residential precincts. Situated in Tiong Bahru, this HDB flat occupies a position of considerable convenience, lying just under ten minutes' walk—approximately 740 metres—from Tiong Bahru MRT Station on the East-West Line. This proximity to public transport is a defining feature, offering residents seamless connectivity to the broader East-West corridor and, through interchange opportunities, to other key parts of the island.

The property itself measures 150 square feet, making it particularly suited to investors seeking compact, efficiently-designed units with strong rental demand, or to owner-occupiers prioritising affordability without sacrificing location quality. Tiong Bahru has long been regarded as one of Singapore's most desirable mature estates, characterised by a vibrant mix of heritage charm, contemporary urban living, and comprehensive neighbourhood amenities. The area attracts a diverse demographic: young professionals, small families, upgraders, and property investors all recognise the district's unique appeal.

Neighbourhood Character and Accessibility

Walking through Tiong Bahru reveals the estate's distinctive character. The precinct is home to several well-regarded schools, including both primary and secondary institutions within reasonable proximity, making it an appealing choice for families. Hawker centres such as Tiong Bahru Market offer authentic local dining, whilst the neighbourhood's network of coffee shops, shops, and service providers ensures daily convenience. Kim Tian Road itself sits within easy reach of these facilities, placing residents at the heart of the estate's activity without the noise or congestion of major thoroughfares.

The location's accessibility extends beyond immediate walkability. Tiong Bahru MRT Station, serving the East-West Line, positions residents for rapid transit to the CBD, the airport, Changi region, and westward to Jurong and beyond. For working professionals and those requiring regular island-wide travel, this connectivity proves invaluable. Property values in well-connected mature estates have historically benefited from sustained demand, as MRT proximity remains a non-negotiable factor for many buyer and renter segments.

Compact Unit Design and Investment Appeal

At 150 square feet, units at 126C Kim Tian Road represent the efficient use of space that characterises Singapore's HDB stock. Such compact configurations appeal particularly to investors targeting the rental market, where demand from young professionals, expatriates, and transient worker populations remains robust. The rental yield potential on HDB flats in Tiong Bahru has historically outperformed wider market averages, as the combination of affordable entry price, strong location, and established tenant base creates a reliable income stream. Investors eyeing capital growth alongside rental returns often view Tiong Bahru flats as a cornerstone holding within a diversified property portfolio.

Owner-occupiers purchasing at 126C Kim Tian Road benefit from the estate's maturity and stability. Unlike new developments where buyer profiles and demographic shifts remain uncertain, Tiong Bahru presents a proven, established community with tested demand fundamentals. For first-time buyers navigating the property market, the security of a known neighbourhood combined with the affordability of the HDB sector provides considerable peace of mind.

Market Position and Demand Drivers

Tiong Bahru has consistently held its position as a premium mature estate within the HDB market, commanding prices and rents that reflect its scarcity, location, and popularity. The neighbourhood's supply is largely fixed—no major new HDB projects are anticipated in the immediate area—which underpins long-term demand resilience. As Singapore's overall population grows and the availability of new affordable housing becomes increasingly constrained, properties in sought-after, established precincts like Tiong Bahru tend to appreciate steadily.

The area's appeal crosses demographic lines. Young professionals value the MRT connectivity and central location; small families appreciate the schools and community infrastructure; upgraders seeking to downsize without sacrificing location see Tiong Bahru as an ideal fit; and investors recognise the combination of yield potential and capital security. This diversity of buyer interest acts as a stabilising force on valuations and rental demand over economic cycles.

Future Outlook and Capital Appreciation Potential

HDB flats in Tiong Bahru have historically appreciated in line with broader HDB market trends, benefiting from Singapore's structural undersupply of housing and steady demand from multiple buyer segments. Whilst property investments always carry risk, the combination of established infrastructure, proven community, proximity to MRT, and scarcity of supply in the Tiong Bahru precinct suggests continuing relevance for both owner-occupiers and investors. The East-West Line itself carries high daily passenger volumes, indicating sustained demand for residential proximity to these stations.

126C Kim Tian Road sits at an intersection of affordability, connectivity, and location stability that has consistently appealed across buyer demographics. Whether purchased for own use or as part of a property investment strategy, the address benefits from Tiong Bahru's enduring appeal within Singapore's residential market landscape.

Frequently Asked Questions

What rental yield might investors expect on a unit at 126C Kim Tian Road?

HDB flats in Tiong Bahru have historically delivered gross rental yields in the region of 4–5% annually, reflecting strong tenant demand from young professionals and expatriates seeking well-connected, affordable accommodation. The compact 150 sqft footprint appeals to single professionals and couples, a demographic with consistent rental appetite in mature estates near MRT stations. At Tiong Bahru's established rental rates—typically ranging from S$1,600–S$2,000 per month for such configurations—the property could generate reliable cash flow. Investors should factor in ongoing maintenance charges and property tax when calculating net yield, as these vary over time with HDB management costs.

How does pricing at 126C Kim Tian Road compare to recent psf transactions in Tiong Bahru?

Tiong Bahru has typically seen psf transacted values ranging from S$650–S$850 for flat units, depending on floor level, unit condition, and exact location within the estate. A 150 sqft unit priced competitively in the current market would align with recent psf patterns in the district, making it reflective of current market conditions for this matured estate. Tiong Bahru's psf values have remained relatively stable compared to more central districts, as the established nature of the estate means fewer dramatic appreciation spikes but also lower volatility. Buyers should review recent transaction data with a property agent to confirm that 126C Kim Tian Road's asking price aligns with recent comparable sales in the immediate vicinity.

What Additional Buyer's Stamp Duty applies if a Singapore Citizen purchases as a second residential property?

A Singapore Citizen purchasing 126C Kim Tian Road as a second residential property incurs an Additional Buyer's Stamp Duty of 20%, calculated on the property's purchase price above S$180,000. For example, on a purchase price of S$600,000, the ABSD would be approximately S$84,000 (20% on S$420,000), payable at the time of completion. This significant cost must be factored into the total investment outlay and cash-flow planning for investors purchasing additional properties. Foreign buyers and entities incur even higher ABSD rates (additional 5–15%), so the 20% rate applies specifically to Singaporean citizen second-property purchasers.

Are there lease decay risks for HDB flats at 126C Kim Tian Road, and how might this affect resale value?

HDB flats are typically offered on 99-year leases, and Tiong Bahru properties have gradually been subject to lease decay as the decades pass since the estate's Build-to-Order completion. Lease decay becomes a material consideration once remaining tenure drops below 90 years; buyers and banks begin to view shorter leases with increased caution, potentially restricting the buyer pool and depressing resale values. Units at 126C Kim Tian Road should be evaluated based on their exact remaining lease length—properties with significantly less than 90 years remaining may face financing constraints from some lenders and reduced appeal to owner-occupiers. The HDB's selective en-bloc redevelopment programme may offer certain older estates the opportunity to extend leases, though this is not guaranteed and depends on government policy decisions.

How does proximity to Tiong Bahru MRT Station (EW17) influence long-term demand and capital appreciation?

MRT proximity is one of the single strongest determinants of property value and rental demand in Singapore, and 126C Kim Tian Road's location approximately 740 metres—nine minutes' walk—from EW17 Tiong Bahru places it in an advantageous position. The East-West Line carries substantial daily commuter volumes, and stations with established residential catchments tend to sustain strong demand across economic cycles. Properties within walking distance of MRT stations typically appreciate more reliably than those requiring bus or car transport, as they appeal to both owner-occupiers prioritising commute efficiency and investors targeting tenant demographics. Historical data suggests HDB flats in established MRT-adjacent precincts like Tiong Bahru have outperformed more peripheral estates in terms of capital growth and rental resilience.

Which buyer profiles are best suited to purchasing at 126C Kim Tian Road?

First-time buyers entering the property market find 126C Kim Tian Road attractive because it combines affordability, location security, and the stability of an established neighbourhood—reducing downside risk compared to newer estates with untested demand profiles. Upgraders downsizing from larger properties value the MRT accessibility and mature estate infrastructure without the need for excessive space. Property investors recognise Tiong Bahru as a proven rental market with sustained demand from transient professional populations, making it a reliable income-generating asset. High-net-worth individuals seeking diversification into stable, income-producing HDB assets may also view such properties as attractive given their predictable cash flows and capital stability, particularly within a broader portfolio of residential holdings.

What Total Debt Service Ratio (TDSR) headroom might a typical buyer have when financing a unit at 126C Kim Tian Road?

TDSR limits are set by the Monetary Authority of Singapore at a maximum of 55% of gross monthly income for HDB loans, with a further 35% limit for loans from other sources. At representative price points for 126C Kim Tian Road, a buyer with gross monthly income of S$7,000–S$8,000 should typically have sufficient TDSR headroom to secure an HDB loan, assuming existing debts are minimal. The affordability of HDB flats relative to private housing means first-time buyers can often obtain financing without constraint, allowing greater flexibility for property upgrades or additional investments in future. Buyers with existing car loans, credit card debt, or prior property mortgages should engage with an HDB loan officer early to confirm TDSR availability, as combined debt servicing can reduce borrowing capacity below expectations.

How does 126C Kim Tian Road compare to nearby competing HDB developments or private housing in the precinct?

Tiong Bahru's HDB stock is largely mature and tightly held, with few active new or resale blocks directly comparable to 126C Kim Tian Road in terms of exact specification. Nearby private housing—such as low-rise apartment blocks or shophouses—typically commands 30–50% price premiums per square foot compared to HDB equivalents, reflecting additional amenities, design flexibility, and perceived prestige. For investors or buyers prioritising value and rental reliability, HDB flats in Tiong Bahru consistently outperform private housing on psf basis whilst maintaining comparable or superior tenant demand due to affordability and location. The competitive set for 126C Kim Tian Road is therefore primarily other HDB flats in Tiong Bahru and adjacent precincts such as Outram and Tiong Poh, where established MRT-adjacent locations command similar price levels.

Are certain unit stacks or floor levels at 126C Kim Tian Road likely to offer better value or appreciation potential?

In compact HDB flats, lower floor units (levels 1–3) often trade at slight discounts due to noise and privacy concerns from ground-level traffic and neighbours, whilst mid-to-upper floors (levels 4–8) typically command premiums for improved views, light, and perceived quietness. However, in mature estates like Tiong Bahru, these floor premiums tend to be modest—often just 2–4% between lowest and highest units—because the estate's overall characteristics matter more than individual unit positioning. Corner units and those with east or west-facing orientations may appeal to specific buyer profiles, but rental demand from tenant populations is largely indifferent to such variations, making mid-level units often the best value proposition for investors. Buyers should prioritise unit condition, remaining lease length, and renovation requirements over floor level when assessing value at 126C Kim Tian Road.

What new HDB or private residential supply might emerge in or near Tiong Bahru, and could it affect long-term value?

Tiong Bahru is a tightly built, mature estate with limited remaining land for new HDB development; HDB has not announced major Build-to-Order projects in the immediate precinct, and the area's development potential is largely constrained by existing residential density and heritage considerations. The absence of competing new supply is actually favourable for long-term value retention at 126C Kim Tian Road, as scarcity underpins sustained demand and rental growth. Adjacent districts such as Outram and Geylang are receiving more substantial new residential stock, but these areas trade at different price points and appeal to different buyer segments. The structural undersupply of housing in well-connected, established precincts like Tiong Bahru, combined with Singapore's steady population growth, suggests continued relevance and appreciative pressure on existing stock, making 126C Kim Tian Road a defensible long-term holding.

Hdb Flat At 126C Kim Tian Road — From S$1,200