Type

Units

Min Area

Price Range

Other

110 sqft

S$650/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$650.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$130 on this acquisition.
Located 13 min (1.07 km) from NS9 Woodlands 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.

110 Woodlands Street 13: HDB Living in a Mature Neighbourhood

110 Woodlands Street 13 represents an established HDB development in one of Singapore's most accessible northern residential areas. Located in Woodlands, this project serves as a practical housing solution for buyers seeking stability, affordability, and strategic proximity to transport infrastructure. The development sits within a mature estate characterised by established community networks, retail facilities, and neighbourhood services that have evolved over several decades.

Woodlands has undergone significant transformation over the past two decades, developing into a vibrant residential and commercial hub. The neighbourhood benefits from steady infrastructure investment, with the Woodlands MRT Station (NS9 line) situated approximately 1.07 kilometres away—roughly a 13-minute walk or short bus ride. This connectivity proves instrumental for commuters targeting the city centre, eastern employment corridors, or western industrial zones. The North-South Line provides seamless integration with Sentosa, the Marina Bay financial district, and northern business parks, making Woodlands an increasingly popular choice for working professionals prioritising commute convenience.

Connectivity and Transport Access

The proximity to Woodlands MRT Station fundamentally shapes the appeal and investment potential of properties in this estate. Direct access to the North-South Line eliminates reliance on multiple transport modes for city-bound journeys, reducing travel time and costs for daily commuters. Beyond rail connectivity, the area benefits from comprehensive bus networks serving local and regional routes, offering flexibility for peak-hour travel and off-peak convenience. This multimodal transport ecosystem enhances both rental demand and owner-occupancy appeal, particularly for professionals without private vehicles.

The strategic location near the Malaysia-Singapore border also positions Woodlands as a gateway community, attracting both local residents and cross-border workers. This demographic diversity supports sustained demand for compact, affordable residential units that serve as convenient bases for employment-focused households.

Neighbourhood Character and Amenities

As a mature HDB estate, Woodlands offers a comprehensive ecosystem of everyday amenities within walking or short travel distances. Retail clusters, hawker centres, supermarkets, and healthcare facilities are well-integrated throughout the precinct, reflecting decades of planned estate development. Residents enjoy established parks, community centres, and recreational spaces that foster strong neighbourhood cohesion. Schools across primary, secondary, and tertiary levels serve families at every life stage, making Woodlands suitable for households planning long-term settlement in the area.

The neighbourhood's maturity means property owners and tenants access infrastructure that has been stress-tested and refined over years of use. Roads, drainage, power grids, and water supply systems operate reliably, minimising disruption compared to newer estates still undergoing infrastructure settling-in phases. This stability benefits both owner-occupiers seeking uninterrupted home life and investors prioritising tenant satisfaction and rental yield consistency.

Investment Considerations for HDB Properties

HDB flats represent a fundamentally different asset class from private residential properties, with distinct regulatory frameworks, lease structures, and market dynamics. Properties at 110 Woodlands Street 13 are subject to HDB eligibility rules, resale restrictions, and minimum occupation periods that differ from private housing. First-time buyers benefit from government grants and concessional financing schemes unavailable for private property purchases, effectively reducing net acquisition costs. These support mechanisms make HDB units particularly attractive for upgraders transitioning from rental into ownership, as well as first-time entrants seeking to build equity without private market exposure.

For investment-oriented buyers, HDB rental yields depend critically on unit type, location within the estate, and prevailing rental demand across the Woodlands precinct. Compact units command steady demand from young professionals, foreign workers on expatriate packages, and couples without dependents. Lease length remains a significant valuation factor for HDB properties, influencing both purchase price and future resale prospects as leases approach their final decades.

Capital Appreciation and Long-Term Value

HDB property values in mature estates like Woodlands have historically demonstrated resilience, reflecting sustained demand from owner-occupiers and limited supply of new HDB launches in established precincts. Capital appreciation rates typically track inflation and wage growth rather than speculative cycles common in private residential markets. This conservative appreciation profile suits risk-averse buyers prioritising wealth preservation over capital gains maximisation. Proximity to MRT stations and transport hubs continues to command premium pricing, with accessibility-focused units consistently outperforming estate averages in resale markets.

The enduring appeal of Woodlands as a residential destination, combined with its transport infrastructure investment trajectory, suggests stable long-term value preservation for properties in this location. Strategic government initiatives to enhance northern Singapore connectivity reinforce the precinct's structural investment case.

Suitability for Different Buyer Profiles

Properties at 110 Woodlands Street 13 appeal across multiple buyer demographics. First-time buyers leverage government grants and HDB financing schemes to achieve ownership affordability, building equity whilst paying competitive rates. Young professionals and expatriate workers seeking temporary accommodation find compact units suited to their lifestyle and budgeting requirements. Upgraders trading up from rental into subsidised ownership benefit from HDB's stability and affordability compared to private market alternatives. Investors focusing on long-term buy-and-hold strategies appreciate steady rental demand from employed professionals and the regulatory protections inherent in HDB lease frameworks.

Multi-generational households, by contrast, may find compact unit configurations restrictive, potentially gravitating towards larger private residential projects or newer HDB designs offering greater spatial flexibility.

Financing and Loan Considerations

HDB properties qualify for Housing and Development Board loans at highly competitive rates, typically lower than private bank mortgages for similar loan-to-value ratios. First-time buyers benefit from enhanced loan eligibility thresholds and reduced down-payment requirements compared to subsequent property acquisitions. Total Debt Servicing Ratio (TDSR) rules cap monthly debt obligations at 60% of gross household income, ensuring lending discipline and borrower affordability protection. At typical Woodlands price points, most employed households qualify for financing without structural headroom constraints, though individual circumstances vary based on existing debt commitments.

Subsequent property purchases incur Additional Buyer's Stamp Duty at 20% for Singapore Citizens acquiring second residential properties, materially increasing acquisition costs for investment-focused buyers. This fiscal consideration significantly impacts investment returns and breakeven timelines, warranting careful financial modelling before purchase commitment.

Market Positioning Relative to Competing Developments

Woodlands hosts multiple HDB estates across different development phases, providing choice for buyers prioritising location, unit type, or estate maturity. Neighbouring precincts including Admiralty, Marsiling, and Sembawang offer comparable accessibility and neighbourhood characteristics, creating competitive dynamics that discipline pricing and performance expectations. Newer housing developments in growth precincts further afield may offer modern amenities and contemporary design, though often at premium pricing offsetting their freshness advantage. Mature estates like 110 Woodlands Street 13 compete effectively on affordability, accessibility, and established community infrastructure, appealing to pragmatic buyers valuing value-for-money over novelty.

The cumulative effect of multiple competing developments maintains competitive pressure on pricing, benefiting buyers whilst potentially moderating capital appreciation rates compared to supply-constrained areas.

Future Growth Prospects for the Woodlands Precinct

The broader Woodlands region continues to attract government infrastructure investment, with plans for enhanced cross-border connectivity, commercial development, and residential expansion. These strategic initiatives reinforce Woodlands' positioning as a regional hub rather than purely residential dormitory, supporting diverse economic activity and employment generation. Proposed enhancements to transport links and commercial precincts should drive sustained demand for residential accommodation, particularly among workers employed in expanding business parks and service clusters emerging across northern Singapore.

Long-term demand drivers suggest continued relevance for 110 Woodlands Street 13 as a strategically positioned, affordably priced residential asset serving employment-focused households and investor portfolios prioritising stability over high-growth volatility.

Frequently Asked Questions

What rental yield can investors realistically expect from HDB units at 110 Woodlands Street 13?

HDB rental yields at 110 Woodlands Street 13 typically range between 2.5% to 3.5% gross annually, depending on unit type, lease length, and prevailing market rental rates for Woodlands properties. Compact units command steady demand from young professionals and expatriate workers, sustaining occupancy rates above 95% across economic cycles. The proximity to Woodlands MRT Station enhances tenant appeal, as renters prioritise transport accessibility and commute convenience, translating into competitive rental rates within the Woodlands estate hierarchy. However, yield realisation depends critically on acquisition price relative to rental income—buyers entering at premium valuations relative to rental multiples face compressed returns and extended breakeven periods.

How does pricing per square foot at 110 Woodlands Street 13 compare to recent HDB transactions in Woodlands?

Woodlands HDB pricing has historically tracked between S$6,500 and S$8,000 per square metre for units in comparable estate locations, translating to approximately S$600 to S$740 per square foot depending on unit type and floor level. Prices within 110 Woodlands Street 13 reflect estate-wide supply-demand dynamics, MRT proximity, and broader HDB market sentiment across the North-South Line corridor. Recent transaction data from neighbouring Woodlands estates suggests modest price appreciation alongside stable underlying demand, with units closer to the MRT station consistently commanding 8% to 12% premiums over isolated estate locations. Prospective buyers should benchmark pricing against recent Woodlands resale transactions published by HDB, comparing unit-specific characteristics including floor level, facing, and block age to determine competitive valuation.

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

Singapore Citizens purchasing their second residential property incur Additional Buyer's Stamp Duty at the current rate of 20%, calculated on the purchase price and payable at completion. For HDB properties, this duty materialises alongside standard Buyer's Stamp Duty, totalling approximately 3% to 4% of transaction value when combined. An investor acquiring an HDB unit at 110 Woodlands Street 13 priced at S$400,000 would face ABSD costs of approximately S$80,000, materially compressing net investment returns and extending breakeven timelines by 18 to 24 months depending on rental yield assumptions. This fiscal headwind particularly impacts investors in lower-yield segments, making careful pre-purchase financial modelling essential before commitment. Second property acquisition decisions warrant consultation with tax advisers to structure purchases optimally and understand broader wealth accumulation implications.

How does lease decay affect resale value and investment returns for HDB properties in Woodlands?

HDB leases commence at either 99 years or 999 years depending on individual property circumstances; properties approaching lease expiration below 80 years experience accelerating value depreciation as resale appeal diminishes. Properties at 110 Woodlands Street 13 with remaining lease terms above 90 years experience minimal lease decay impact, maintaining stable valuation relative to estate benchmarks. However, as leases approach 70 years, valuation multiples compress progressively, with typical discounts of 10% to 15% for each decade of remaining lease below the 80-year threshold. Investors should identify current lease length before purchase, avoiding properties within two decades of lease expiration unless targeting end-of-life rental income from tenants accepting declining residual value. HDB's Lease Upgrading and Resale Restriction Framework provides some protections, though prospective resale buyers face structural headwinds as leases age, ultimately limiting investor holding periods and exit strategies.

How does proximity to Woodlands MRT Station influence property demand, capital appreciation, and rental appeal?

Woodlands MRT Station (NS9) accessibility represents the strongest demand driver for 110 Woodlands Street 13 and comparable surrounding properties, commanding sustained premium pricing and superior occupancy rates compared to isolated estate locations. Properties within 500 metres of the MRT station consistently achieve 12% to 18% pricing premiums over properties 800 metres or further distant, reflecting buyer and tenant preferences for minimised commute friction and public transport reliability. The North-South Line provides uninterrupted connectivity to the central business district, Marina Bay, and southern employment corridors, making Woodlands MRT an economically significant transport hub serving tens of thousands of daily commuters. Capital appreciation trajectories correlate strongly with MRT proximity, as proximity effectively functions as a structural quality differentiator in HDB estate valuations. Investors prioritising rental yield sustainability and resale optionality should emphasise MRT-proximate units, accepting modest price premiums as justifiable investments in superior long-term asset performance and tenant demand resilience.

Which buyer profiles find 110 Woodlands Street 13 most suitable, and why?

First-time buyers represent the primary target demographic for 110 Woodlands Street 13, leveraging HDB grant schemes and concessional financing to achieve ownership affordability whilst building equity in a stable, accessible location. Young professionals and expatriate workers on time-limited Singapore assignments favour compact units' lifestyle fit and affordability, viewing them as convenient residential bases during employment tenures. Upgraders transitioning from rental into subsidised ownership appreciate Woodlands' mature neighbourhood character, established amenities, and lower entry costs compared to private residential alternatives, enabling lateral moves without requiring substantial additional capital. Buy-to-let investors targeting stable, inflation-hedged income streams find HDB properties attractive relative to volatile private residential market segments, particularly where rental demand from employed renters sustains high occupancy. Conversely, high-net-worth individuals, large families requiring spacious configurations, and buyers prioritising luxury finishes or premium neighbourhood positioning typically gravitate towards private residential developments, finding HDB constraints on design customisation and unit scale unappealing regardless of financial capacity.

What are typical TDSR implications and financing headroom at standard Woodlands HDB price points?

Most employed Singaporean households qualify for HDB financing at typical Woodlands price points without triggering Total Debt Servicing Ratio constraints, as HDB loans operate under more generous TDSR frameworks than private banking (60% versus 55% caps). A household earning S$5,000 monthly gross income can service approximately S$300,000 in HDB debt at prevailing interest rates without approaching TDSR ceilings, assuming no existing debt commitments. However, households carrying existing vehicle loans, personal credit facilities, or prior mortgage obligations face compressed financing headroom, potentially requiring larger down payments or joint-income applications to achieve purchase eligibility. Prospective buyers should conduct pre-purchase affordability calculations considering all debt obligations, household income composition, and CPF contribution adequacy, as HDB financing approval authorities conduct rigorous assessment before commitment. Buyers with complex financial profiles, self-employment income, or non-resident spouse circumstances may encounter enhanced documentation requirements or restricted loan quantum, warranting early engagement with HDB financing advisers before formal application submission.

How do competing HDB estates in Woodlands and neighbouring precincts position relative to 110 Woodlands Street 13?

Woodlands hosts multiple HDB estates developed across different decades—Woodlands Ring Road, Woodlands Avenue, and Woodlands Circle—each offering distinct maturity profiles, unit configurations, and market positioning. Older estates including 110 Woodlands Street 13 compete on affordability and mature neighbourhood character, attracting budget-conscious buyers and investors prioritising value density. Newer Woodlands developments feature contemporary architecture, enhanced unit layouts, and modern lift systems, though premium pricing offsets freshness advantages for value-focused purchasers. Neighbouring precincts including Admiralty, Sembawang, and Marsiling offer comparable MRT accessibility and neighbourhood maturity, creating broader competitive dynamics that discipline regional pricing. Investors evaluating 110 Woodlands Street 13 should benchmark transaction history against comparable estates within 1.5-kilometre radius, identifying relative value positioning and confirming pricing competitiveness before commitment. Estate-specific characteristics including block ventilation, corridor design, and proximity to local amenities create minor valuation variations, rewarding buyers conducting granular comparative analysis.

Which unit stacks, floor levels, or configurations offer superior long-term value at 110 Woodlands Street 13?

Lower and middle floors (typically levels 2 to 18) command modest pricing discounts relative to high-floor units (20+ storeys) at 110 Woodlands Street 13, presenting arbitrage opportunities for value-conscious buyers unconcerned with panoramic views and relatively indifferent to visual prominence. Mid-level units benefit from optimal ventilation, sun exposure, and reduced noise exposure compared to ground-floor units plagued by street-level ambient sound and reduced privacy, representing superior lifestyle positioning relative to pricing premium. Units positioned on quieter block faces (facing estate interior rather than major roads) typically achieve superior rental appeal and tenant satisfaction, supporting stable occupancy rates and pricing resilience during downturns. Investor-focused buyers should prioritise units within walking distance of the MRT station on higher-demand block faces, accepting modest floor-level premiums as justified investments in superior tenant appeal and capital appreciation prospects. Conversely, pure-yield investors may identify arbitrage opportunities in lower-floor units on less-prominent block faces, capturing yield advantages offsetting modest capital appreciation headwinds relative to superior-positioned units.

What does the future supply pipeline for HDB developments in Woodlands and northern Singapore suggest about long-term demand?

The HDB development pipeline emphasises growth precincts in Punggol, Bukit Merah, and eastern Singapore, with relatively constrained new HDB launches anticipated across northern precincts including Woodlands over the next five years. This limited supply environment reinforces Woodlands' relative scarcity value, supporting sustained demand and modest capital appreciation as new household formations compete for established estate inventory. Government planning initiatives including the Northern Growth Triangle and cross-border integration projects suggest sustained economic activity across northern Singapore, underpinning employment generation and commuter demand. Conversely, private residential development intensity in nearby Sembawang and Yishun may capture premium segments migrating from HDB, potentially moderating capital appreciation rates for mature HDB estates. Long-term structural demand drivers favour continued relevance for 110 Woodlands Street 13 as an affordable, accessible residential asset, though appreciation expectations should remain tempered relative to supply-constrained precincts or growth-oriented development zones. Prospective buyers should evaluate 110 Woodlands Street 13 primarily as a stability-focused acquisition rather than capital-gains-dependent speculation, aligning investment objectives with realistic return horizons.

[For Rent] Hdb Flat At 110 Woodlands Street 13 — From S$650