Type

Units

Min Area

Price Range

2 BR

721 sqft

S$2,800/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$2,800.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$560 on this acquisition.
Located 10 min (830 m) from NS13 Yishun 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.

205 Yishun Street 21: HDB Living in Yishun's Heart

205 Yishun Street 21 represents a compelling opportunity for buyers seeking quality HDB accommodation in one of Singapore's most well-established residential neighbourhoods. Located in the Yishun planning area, this development sits within a mature district characterised by strong community infrastructure, convenient shopping facilities, and robust transport links that have made the area a favoured choice for families and investors alike.

The development's proximity to NS13 Yishun MRT Station—positioned just over 800 metres away, approximately a 10-minute walk—anchors its appeal to both owner-occupiers and buy-to-let investors. This station serves as a crucial junction on the North-South Line, connecting residents directly to the city's financial districts, employment hubs, and education precincts. The walkability factor significantly enhances daily convenience and contributes to sustained demand for units within this precinct.

Layout and Space Configuration

The flats available at 205 Yishun Street 21 span multiple bedroom configurations, with individual units offering approximately 721 square feet of living space. This generous floor plate accommodates modern family living whilst maintaining affordability relative to comparable private residential stock in the wider North Region. The dual-bathroom layout across featured units reflects contemporary lifestyle preferences, providing enhanced convenience for households with multiple occupants or those seeking ensuite privacy arrangements.

Interior finishes and layout options cater to both functional living requirements and aesthetic preferences, with ceiling heights and room proportions designed to maximise perceived spaciousness. Natural lighting penetration and ventilation are prioritised throughout the development, reducing reliance on air-conditioning during periods of natural breeze and contributing to long-term operational cost efficiency for residents.

Neighbourhood and Amenities

Yishun's mature status means that 205 Yishun Street 21 residents benefit from an extensive ecosystem of retail, dining, and recreational facilities already embedded within the surrounding district. Yishun Central, a major shopping mall directly accessible via MRT, provides fashion, dining, entertainment, and services within minutes. Neighbourhood centres dot the immediate vicinity, offering hawker establishments, supermarkets, and essential retail without necessitating travel beyond the local precinct.

Educational facilities form a significant component of Yishun's infrastructure, with multiple primary and secondary schools within the planning area, making this location particularly attractive to families with school-age children. Healthcare services, including polyclinics and private medical centres, are similarly well-distributed across the neighbourhood, ensuring that routine health maintenance and emergency care remain accessible.

Transport and Connectivity

The North-South Line serves as Yishun's primary rapid transit artery, and NS13 Yishun MRT Station's consistent patronage underscores the corridor's importance to Singapore's wider commuter network. Residents can reach Orchard Road in under 15 minutes, Marina Bay financial district precincts in approximately 20 minutes, and northern destinations including Sembawang and Choa Chu Kang within comparable timeframes. This connectivity profile ensures that 205 Yishun Street 21 appeals to working professionals across multiple employment sectors and geographies throughout the island.

Beyond MRT access, regular bus services operate throughout Yishun, providing alternative routing to eastern, central, and western destinations. Car owners benefit from straightforward expressway access via the Central Expressway and North-South Expressway, accommodating commute preferences for those requiring private vehicle transport to secondary work locations or irregular destinations.

Investment Perspective and Rental Dynamics

HDB flats at 205 Yishun Street 21 have consistently demonstrated appeal within Singapore's rental market, reflecting both the neighbourhood's stability and the property's transport advantages. Rental yields across comparable Yishun HDB stock typically range from 3% to 4% gross annually, influenced by unit size, floor level, and remaining lease tenure. Investors considering acquisition should evaluate rental demand within the immediate catchment, noting that Yishun's mature demographic profile and proximity to business parks in the North Region support consistent tenant demand throughout the calendar year.

The current pricing environment for 205 Yishun Street 21 reflects realistic market fundamentals, with price-per-square-foot metrics remaining competitive relative to nearby HDB developments. Market transactions within the Yishun planning area over the preceding 12 months demonstrate sustained pricing resilience, suggesting that units acquired at fair value are unlikely to experience material capital depreciation if held across medium-term horizons of five years or longer.

Buyer Suitability and Financing Considerations

First-time HDB buyers will find 205 Yishun Street 21 particularly suited to their requirements, as Central Provident Fund (CPF) Ordinary Account allocations can be deployed directly toward acquisition, supplemented where necessary by CPF Special Account amounts or cash equity. The Total Debt Servicing Ratio (TDSR) framework, currently set at 60% for HDB buyers, accommodates leveraged purchase scenarios where buyer household income levels support mortgage obligations alongside existing liabilities.

Owner-upgraders transitioning from smaller to larger configurations or relocating from more distant neighbourhoods benefit from the development's strategic positioning, which offers meaningful transport time savings relative to peripheral northern estates. The pricing premium relative to heartland estates in mature districts such as Ang Mo Kio or Serangoon remains modest, making lateral moves or modest upgrades financially accessible without requiring substantial additional capital injection.

Investment-focused purchasers should note that acquisition as a second residential property triggers Additional Buyer's Stamp Duty (ABSD) at 20% for Singapore Citizens, a material cost consideration that must be factored into total acquisition expense and return-on-investment calculations. This rate applies atop standard stamp duties and legal fees, meaningfully impacting the cash outlay required at completion and the threshold price point at which rental income begins generating positive cash flow relative to borrowing costs.

Lease Tenure and Long-Term Ownership

HDB flats at 205 Yishun Street 21 are held under 99-year leasehold tenure, a standard configuration across the HDB estate. The lease decay trajectory over subsequent decades warrants consideration by prospective purchasers, particularly those anticipating extended holding periods beyond 30 years. As lease tenure diminishes below 60 years, resale appeal typically contracts and valuations may face downward pressure; however, Singapore's stated long-term housing policy commitment to supporting HDB leaseholders suggests potential legislative interventions to mitigate severe lease-decay scenarios on strategic developments within mature planning areas such as Yishun.

Future Supply Pipeline and Market Positioning

Supply analysis for the greater Yishun planning area suggests that new HDB completions in this district remain modest relative to peripheral growth corridors, implying that existing stock within established precincts maintains relative scarcity value. This structural undersupply of new HDB supply in mature North Region areas supports the long-term positioning of 205 Yishun Street 21 as a stable, resilient asset class capable of weathering cyclical market fluctuations that periodically affect peripheral or newly-completed developments.

Frequently Asked Questions

What rental yield can investors realistically expect from purchasing a flat at 205 Yishun Street 21 as an investment property?

HDB flats within the Yishun planning area typically deliver gross rental yields ranging from 3% to 4% annually, dependent upon individual unit specifications, floor level positioning, and residual lease tenure at the time of acquisition. For 205 Yishun Street 21 specifically, investors should benchmark achievable rental rates against recent comparable lettings within the immediate neighbourhood, accounting for the development's MRT proximity and established amenities which support consistent tenant demand. Investors must incorporate Additional Buyer's Stamp Duty at 20% into total acquisition costs when purchasing as a second residential property, materially extending the payback period before cumulative rental income offsets this upfront expense; consequently, medium-term holding periods of five years or longer are advisable to allow sufficient time for rental accumulation to compensate for the ABSD outlay and generate net positive returns above borrowing costs.

How does the current pricing-per-square-foot at 205 Yishun Street 21 compare to recent HDB transactions in surrounding Yishun precincts?

Transaction analysis across comparable HDB stock within the Yishun planning area over the preceding 12 months indicates that pricing-per-square-foot metrics for similar unit configurations and lease-tenure profiles remain stable, with 205 Yishun Street 21 positioned competitively within this peer cohort. Units at this development do not command a material premium relative to nearby HDB schemes in comparable age categories, suggesting that acquisition at fair market value without overpaying relative to recent transaction history is achievable. Buyers should conduct granular price comparisons across databases of recent arm's-length transactions involving two-bedroom and larger configurations within Yishun to establish confident benchmarks that inform their individual unit evaluation and negotiation strategy.

What is the Additional Buyer's Stamp Duty (ABSD) impact for a Singapore Citizen purchasing at 205 Yishun Street 21 as a second residential property?

Singapore Citizens acquiring a second residential property must pay Additional Buyer's Stamp Duty (ABSD) at the rate of 20%, calculated on the purchase price in addition to standard stamp duties and legal fees. For a flat purchased at typical pricing levels within 205 Yishun Street 21, this 20% ABSD represents a material cash outlay at completion that investors must reserve within their acquisition budget and factor into their return-on-investment calculations. This additional expense meaningfully impacts the breakeven analysis for buy-to-let investors, extending the timeline required for cumulative rental receipts to exceed total acquisition costs and generate meaningful net cash flow relative to mortgage interest and ongoing property management expenses.

Does the 99-year lease tenure of flats at 205 Yishun Street 21 present lease-decay risk that could affect resale value in future decades?

HDB flats at 205 Yishun Street 21 are held under the standard 99-year leasehold tenure, a configuration that will progressively diminish throughout decades of ownership and may increasingly constrain resale appeal as the lease tenure contracts significantly below 60 years. However, Singapore's stated policy commitment to supporting HDB leaseholders through potential legislative interventions—such as lease extension or renewal programmes—suggests that severe lease-decay depreciation may be mitigated for strategically important developments within established planning areas such as Yishun. Buyers considering extended holding periods beyond 30 years should factor lease tenure decay into their long-term valuation models, recognising that periodic top-ups or policy reforms could alter the trajectory of lease-decay depreciation.

How does proximity to NS13 Yishun MRT Station affect capital appreciation potential and long-term resale demand for units at 205 Yishun Street 21?

The North-South Line serves as Singapore's primary north-south rapid transit corridor, and NS13 Yishun MRT Station's consistent daily patronage underscores sustained demand for housing within the station's catchment area, positioning 205 Yishun Street 21 advantageously for capital appreciation. Properties within walking distance of high-traffic MRT stations typically experience more resilient resale demand and valuation support compared to distant or bus-dependent alternatives, particularly during property market downturns when transport convenience becomes a primary buyer consideration. Connectivity to multiple employment centres, entertainment districts, and educational institutions via the North-South Line sustains demographic diversity among tenant and buyer cohorts, supporting liquidity and reducing vulnerability to localised economic fluctuations affecting specific industry clusters.

Which buyer profiles—HNW purchasers, upgraders, first-time buyers, investors—are best suited to 205 Yishun Street 21?

First-time HDB buyers represent the most naturally suited demographic for 205 Yishun Street 21, as Central Provident Fund Ordinary Account allocations can be deployed directly without stamp duty complications, and pricing remains accessible relative to private residential alternatives in comparable northern locations. Owner-upgraders transitioning from smaller HDB configurations or relocating from peripheral estates benefit from the development's established neighbourhood infrastructure, mature amenities, and meaningful transport time savings to employment or education precincts. Buy-to-let investors seeking stable rental income within the 3% to 4% yield range find merit in the development's MRT connectivity and neighbourhood maturity, though acquisition as a second property incurs 20% ABSD that must be incorporated into return projections. High-net-worth purchasers prioritising capital-efficient residential holdings may find the pricing and yield profile less compelling relative to private residential or freehold alternatives, though some HNW individuals do acquire HDB stock as strategic portfolio diversification.

What Total Debt Servicing Ratio (TDSR) headroom exists for typical buyers financing purchases at 205 Yishun Street 21?

HDB financing under the current TDSR framework permits total monthly debt obligations to reach 60% of gross household income, a threshold that accommodates moderate leverage for buyers with stable employment income and limited existing liabilities. Buyer households financing typical units at 205 Yishun Street 21 will find that residual TDSR capacity remains available for additional financing requirements such as vehicle loans or personal lines of credit, provided income documentation supports approved debt ratios. Prospective purchasers should engage with HDB or nominated commercial lenders to conduct pre-approval assessments that confirm financing capacity before committing to particular unit selections, ensuring that TDSR calculations do not constrain actual borrowing amounts and necessitate unwelcome reductions in leverage that could compromise investment returns or upgrade affordability.

How do comparable HDB developments in nearby Ang Mo Kio or Serangoon compare to 205 Yishun Street 21 in terms of pricing, amenities, and long-term value?

Ang Mo Kio and Serangoon represent alternative mature HDB precincts in Singapore's North Region, with pricing-per-square-foot metrics that typically align closely with Yishun, reflecting comparable lease tenure profiles and neighbourhood maturity. Distinguishing factors include specific MRT line proximity (Ang Mo Kio's Circle Line provides alternative routing versus Yishun's North-South Line dominance), neighbourhood retail and dining configurations, and historical transaction velocity which influences perceived market activity. 205 Yishun Street 21's North-South Line connectivity arguably provides superior direct access to central business districts and major employment corridors compared to Circle Line-dependent alternatives, supporting sustained rental demand and capital appreciation potential, though buyers should conduct neighbourhood-specific due diligence to confirm local amenity preferences and lifestyle alignment before committing to final purchase decisions.

Are particular floor levels or unit stacks at 205 Yishun Street 21 likely to offer superior value compared to alternatives within the development?

Lower-floor units (typically levels 2 to 4) frequently command modest discounts relative to mid-range floors (6 to 15) due to perceived noise, privacy, or cleanliness concerns, creating potential value opportunities for buyers less sensitive to these factors and willing to accept modest price concessions in exchange for financial savings. Mid-range to upper-floor units (8 to 20) typically command premium valuations due to enhanced natural light, ventilation, and perceived prestige, though the pricing premium does not always translate proportionally to rental yield improvements for investment-focused buyers. Investors evaluating units stacked vertically within identical configurations should compare pricing-per-square-foot across floor levels and negotiate aggressively for lower-floor discounts, particularly where the development's MRT proximity and established neighbourhood amenities mitigate traditional privacy concerns that limit lower-floor appeal.

What does the future supply pipeline suggest about long-term capital appreciation potential for HDB stock in the Yishun planning area?

Supply analysis for the Yishun planning area indicates relatively modest new HDB completions forecasted over the next decade relative to growth precincts in the East or North-East regions, creating a structural scarcity premium for existing stock within established neighbourhoods such as 205 Yishun Street 21's location. This undersupply dynamic supports long-term capital appreciation potential by constraining the flow of new competing inventory and maintaining pricing discipline across secondary market transactions involving existing developments. Buyers acquiring within this supply-constrained environment position themselves advantageously relative to future purchasers entering market conditions with even tighter inventory availability, supporting the development's positioning as a resilient, value-preserving asset suitable for both occupier and investment mandates.

[For Rent] Hdb Flat At 205 Yishun Street 21 — From S$2,800