Type

Units

Min Area

Price Range

4 BR

1313 sqft

S$1.2M

Type

Units

Min Area

Price Range

Other

100 sqft

S$600/mo – S$1,250/mo

Property Highlights

HDB development with 3 units currently available.
Prices currently range from S$600 to S$1.2M.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$120 on this acquisition.
33% of current units are for sale, from S$1.2M; 67% are for rent, from S$600/mo.
Located 7 min (610 m) from DT5 Beauty World 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.

13 Toh Yi Drive: HDB Living in Bukit Timah's Heart

Situated along Toh Yi Drive in the coveted Bukit Timah district, 13 Toh Yi Drive represents a well-established HDB development that combines the stability of public housing with proximity to one of Singapore's most sought-after neighbourhoods. The location places residents within walking distance of Beauty World MRT station on the Downtown Line, a connection that has proven instrumental in driving consistent capital growth and rental demand across this enclave over the past two decades.

This mature residential address has established itself as a preferred choice for multigenerational families and upgraders who value a balance between affordability and prestige. The development's standing in the market reflects broader demand patterns across Bukit Timah, where the combination of excellent transport links, reputable educational institutions, and lush green surroundings continues to command strong resale and rental interest.

Transport Connectivity and Neighbourhood Character

The proximity to Beauty World MRT station, located just seven minutes' walk away, is a defining advantage for this development. This connection places residents on the Downtown Line, which offers direct access to the central business district, major employment hubs, and educational precincts across the island. For working professionals and families managing school runs, the reliability of this transport corridor significantly enhances day-to-day convenience.

Beyond transport, the Bukit Timah vicinity is characterised by a mature residential fabric interspersed with greenery, local markets, and neighbourhood shopping centres. The area's educational landscape is particularly strong, with several well-regarded schools within reasonable distance, making it an appealing base for families with children at various age levels.

Spacious Unit Configuration

The four-bedroom flats available at this development provide generous internal space suitable for families seeking room to grow or entertain. With layouts typically spanning over 1,300 square feet, these units offer the flexibility to accommodate home offices, study areas, and separate living zones—a consideration that has gained prominence in the post-pandemic property market. The two-bathroom configuration reflects thoughtful design for household convenience, particularly valuable in family settings where morning routines involve multiple occupants.

The condition and configuration of units at this address reflect the standards of a mature HDB development with periodic upgrading cycles, making them competitive against newer housing options when factoring in location and transport accessibility.

Price Point and Market Positioning

Units at 13 Toh Yi Drive are positioned competitively within the broader Bukit Timah resale market. Pricing typically reflects the balance between the estate's maturity, transport advantages, and underlying lease length—factors that sophisticated buyers carefully weigh when making acquisition decisions. The cost per square foot at this location has historically tracked favourably against nearby new launch projects, offering established residents and upgraders genuine value for their investment.

For first-time buyers with accumulated housing grant entitlements, this development represents an opportunity to enter a prime locality without the premium associated with newer launches. For investors evaluating rental yields, the proximity to Beauty World MRT and the catchment of families in the Bukit Timah area provide consistent tenant demand across the year.

Investment and Capital Growth Potential

The Bukit Timah district has demonstrated sustained capital appreciation over multiple property cycles, underpinned by consistent demand from both owner-occupiers and investors. The MRT connectivity, neighbourhood maturity, and limited new HDB supply in this district position developments like 13 Toh Yi Drive favourably in the investment landscape. Historical price trends across comparable addresses in the immediate vicinity suggest that well-maintained units with favourable floor levels and orientations have commanded steady premiums over time.

Investors should note that rental yields in this area are typically supported by a mix of expat families, upgrade-seekers, and young professionals who value the convenience of central location without the premium of private condominiums. The four-bedroom configuration aligns well with family tenant profiles, historically translating to longer tenancy durations and more stable income streams.

Buyer Suitability Across Profiles

This development appeals across multiple buyer segments. First-time buyers with sufficient grant support and financing capacity will find the location and amenities attractive. Upgraders relocating from outer estates or younger HDB flats benefit from the space, neighbourhood quality, and transport links. Families already within Bukit Timah seeking lateral moves within the same district can capitalise on their familiarity with schools, shops, and community networks. For investors, the established tenant pipeline and relatively stable capital base make this a lower-volatility option compared to highly speculative new launches.

Lease Considerations and Long-Term Outlook

As with all HDB properties, the lease profile is an important consideration in financial planning. Buyers should obtain detailed lease information and factor any remaining lease duration into their purchase decision, particularly if intending to hold the property for extended periods or planning to refinance during ownership. HDB has implemented various lease extension and rejuvenation schemes in mature estates, details of which should be clarified during the conveyancing process.

Neighbourhood Amenities and Lifestyle

The Bukit Timah district surrounding this address is well-served by shopping centres, hawker markets, clinics, and recreational facilities. Residents enjoy access to the Central Nature Reserve and nearby parks, offering lifestyle options beyond urban convenience. The maturity of the neighbourhood means established healthcare providers, tuition centres, and community organisations are readily available, supporting families at all life stages.

13 Toh Yi Drive represents a compelling choice for buyers seeking established HDB living in a prime location, supported by strong transport connectivity and a proven track record of capital stability within one of Singapore's most desirable residential districts.

Frequently Asked Questions

What rental yield can investors realistically expect from a four-bedroom unit at 13 Toh Yi Drive?

Four-bedroom units at this development typically command monthly rents in the range of S$3,500 to S$4,200, depending on unit condition, floor level, and orientation. For an asset purchased at prices around S$1.18 million, this translates to a gross rental yield of approximately 3.5% to 4.3% per annum. The strong family demographic in Bukit Timah and proximity to Beauty World MRT ensure consistent tenant demand, with average tenancy durations often exceeding 24 months, reducing vacancy risk and management overhead. Investors should factor in property tax, maintenance contributions, and agent fees when calculating net yields; the mature estate infrastructure typically results in stable monthly outgoings compared to newer developments with unpredictable sinking fund calls.

How does the price per square foot at 13 Toh Yi Drive compare to recent transactions in Bukit Timah?

Recent resale transactions at comparable Bukit Timah HDB addresses have typically ranged between S$890 and S$950 per square foot, depending on lease length, floor level, and unit condition. A four-bedroom unit of 1,313 square feet at 13 Toh Yi Drive priced near S$1.18 million reflects approximately S$899 per square foot, positioning it competitively within this range. This pricing compares favourably against newly completed HDB developments in outer estates, which often exceed S$1,000 per square foot, while newer private launches in adjacent areas command S$1,500 to S$2,000 per square foot. The discount relative to private property reflects HDB's tenure structure and regulations, but the absolute cost per square foot at this mature location offers genuine value for families prioritising transport access and neighbourhood quality.

What is the Additional Buyer's Stamp Duty (ABSD) impact if I purchase a unit as a second property?

Singapore Citizens purchasing a second residential property are subject to Additional Buyer's Stamp Duty at the current rate of 20% on the purchase price, calculated on top of the standard Buyer's Stamp Duty of 3%. For a unit priced at S$1.18 million, the ABSD liability would be approximately S$236,000, significantly increasing the total acquisition cost to around S$1.416 million when combined with all stamp duties and legal fees. This 20% ABSD rate applies regardless of whether the first property was sold; ownership of a second residential property concurrently triggers the full liability. Buyers should factor this substantial cost into their financing structure and consider whether the investment returns justify the additional tax burden, particularly in rental yield scenarios where net returns post-ABSD may only deliver 2% to 3% annually.

What is the lease decay risk, and how might remaining lease length affect resale value?

The lease duration of a property is a critical determinant of its future saleability and financing eligibility. HDB leases are typically issued for 99 years from the date of completion; depending on when this development was completed, remaining lease length may already be a consideration for prospective buyers. Properties with leases below 60 years typically experience accelerated capital depreciation and face financing restrictions from most banks, as mortgage lenders become reluctant to lend on assets with limited tenure. Buyers should confirm the exact completion date and remaining lease tenure through HDB records or a property professional, factoring this into long-term ownership plans. HDB has introduced lease extension schemes in certain mature estates, though the terms, eligibility, and timing of such schemes vary; prospective buyers should investigate whether 13 Toh Yi Drive falls within any designated rejuvenation programme, as this could materially impact future lease security and capital preservation.

How does proximity to Beauty World MRT affect demand and long-term capital appreciation?

MRT proximity is one of the most reliable drivers of sustained capital appreciation in Singapore's HDB market, and Beauty World station's position on the Downtown Line has proven instrumental in supporting strong resale demand at this address. Properties within 10 minutes' walk of an operational MRT station typically command premiums of 15% to 25% over comparable units in less connected areas, reflecting the daily convenience and reduced transport costs for residents. The Downtown Line's connections to the central business district, education precincts, and major employment hubs ensure consistent tenant and owner-occupier demand across economic cycles. Historical data from comparable Bukit Timah addresses similarly served by established MRT connections shows these properties have outperformed the broader HDB market in capital growth, particularly during periods when car ownership costs and road congestion increased the relative appeal of public transport. For long-term investors, this transport advantage provides a structural tailwind to capital appreciation, even accounting for eventual lease decay.

Is 13 Toh Yi Drive suitable for first-time buyers, upgraders, investors, or all three profiles?

This development appeals across all three buyer profiles, though for different reasons. First-time buyers leveraging their housing grants and financing capacity will find the location, space, and transport connectivity highly attractive; four-bedroom units offer room to grow without requiring a lateral move within five years, and the mature neighbourhood provides established schools and family amenities. Upgraders from outer estates or smaller flats benefit from the prestige of a Bukit Timah address, the proven capital stability of the location, and the ability to consolidate their housing plans within a single area where they may already have community ties. Investors value the consistent family demographic, rental demand, long average tenancy durations, and lower volatility compared to fringe developments; the four-bedroom configuration aligns with the tenant profile most likely to sign longer leases. Each profile should conduct due diligence aligned with their timeline and objectives: first-timers should verify grant eligibility and confirm lease length, upgraders should compare this address against competing options in the same district, and investors should stress-test rental yields against alternative investment vehicles and acquisition costs inclusive of ABSD.

What are the Total Debt Service Ratio (TDSR) and financing headroom implications at the typical price point?

For a property priced at S$1.18 million, buyers financing 75% of the purchase price (the standard HDB maximum) would require a mortgage of approximately S$885,000. At current mortgage rates around 3.5%, this translates to monthly principal and interest payments of roughly S$4,100 over a 30-year term. TDSR regulations cap the ratio of total monthly debt obligations to gross monthly income at 60%; for a buyer with a single mortgage, this implies a minimum household income of approximately S$6,830 monthly to comfortably service this loan while maintaining headroom for other obligations. Households with existing car loans, personal loans, or credit card liabilities will see their available borrowing capacity reduced proportionally. Buyers should stress-test their financing against potential interest rate increases; a 1% rise in mortgage rates increases monthly payments to approximately S$4,450, requiring household income of at least S$7,420 to remain within TDSR guidelines. Professional buyers or couples with combined incomes exceeding S$10,000 monthly will typically have substantial financing flexibility, whilst first-time buyers with moderate individual incomes should factor in partner income or consider units at lower price points within the same development if available.

How does 13 Toh Yi Drive compare to nearby competing HDB developments in Bukit Timah?

Bukit Timah's HDB landscape includes several competing developments such as properties along Onan Road, Jalan Jurong Kechil, and within the broader Bukit Timah estate. These competing addresses typically offer similar four-bedroom unit configurations and comparable lease profiles, with pricing generally within 5% to 10% of 13 Toh Yi Drive depending on distance from MRT, building age, and recent upgrading cycles. The key differentiators favour 13 Toh Yi Drive: its direct proximity to Beauty World MRT places it among the most accessible addresses in the district, whilst competing developments further inland may require 15 to 20 minutes' walk to the same station. Unit configuration and floor area are broadly comparable across these developments, so purchase decisions often hinge on minor factors such as building orientation, upgrading recency, and specific unit stacking. Investors should note that properties along main roads like Toh Yi Drive may experience marginally higher rental demand due to accessibility, whilst those in quieter enclaves may appeal to residents prioritising tranquillity. A comparative site visit and price-per-square-foot analysis of recent transactions at competing addresses will provide clarity on relative value.

Are there advantages to particular unit stacks or floor levels at this development?

Within HDB developments, mid-to-upper floor levels (typically floors 5 to 15) command premiums of 3% to 8% compared to ground and lower floors, reflecting reduced noise, dust, and mosquito exposure alongside improved natural light and views. For a property valued around S$1.18 million, this could translate to a S$35,000 to S$95,000 difference between a low and mid-upper floor unit of identical bedroom count and configuration. East and north-facing units generally benefit from morning light and reduced afternoon heat, potentially offering modest utility cost savings and improved liveability during hot months. Specific floor location within a block can also influence capital appreciation; units in central stacks with balanced neighbour relationships and parking accessibility often resell more readily than edge units or those directly above or below lift shafts. For investors, mid-to-upper floor units in buildings with strong rental catchments will command premium rents and attract more selective tenants; families with children often willingly pay 5% to 10% more for floors 8 and above due to perceived safety advantages. Prospective buyers should conduct site visits across different floor levels and stacks, paying attention to natural light, ventilation, external views, and noise exposure before committing to a purchase.

What is the future supply pipeline in Bukit Timah, and could it affect resale values?

Bukit Timah is classified as a mature estate with limited new HDB supply planned in the immediate vicinity; most new housing development in Singapore is concentrated in growth areas such as Tengah, Punggol, and northern corridors. This supply scarcity is a structural advantage for established developments like 13 Toh Yi Drive, as it insulates these properties from significant competing new launches that could suppress resale prices. The district's status as a premium location, combined with low turnover and strong owner-occupier demand, historically results in steady capital appreciation despite the absence of new development. However, estate renewal and rejuvenation schemes occasionally introduce new flat types or upgraded units within mature neighbourhoods, which could theoretically increase supply at specific micro-locations. Buyers should monitor HDB announcements regarding any potential Selective Enbloc Redevelopment Scheme (SERS) or large-scale upgrading plans for this address, though the likelihood of SERS in a well-maintained estate like Bukit Timah is lower than in ageing outer estates. The scarcity of new supply in Bukit Timah ultimately supports long-term capital appreciation, making existing HDB properties in this district increasingly desirable as alternatives to private housing for budget-conscious families seeking premium locations.

Hdb Flat At Toh Yi Drive — From S$600