Type

Units

Min Area

Price Range

Other

140 sqft

S$1,000/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1,000.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$200 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?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

275 Yishun Street 22: A Practical HDB Offering in Established Yishun

Situated in the heart of Yishun, 275 Yishun Street 22 represents a straightforward residential option within Singapore's public housing market. This HDB flat sits within one of Singapore's longest-established residential towns, where decades of community development have fostered a stable, family-oriented neighbourhood character. The property itself offers a no-frills layout typical of compact public housing stock, providing functional living space at an accessible price point that appeals to cost-conscious buyers entering the property market.

Yishun as a district has matured substantially over the past four decades, transforming from a new town into a fully-fledged community with multiple generations of residents. The neighbourhood benefits from a comprehensive network of primary and secondary schools, wet markets, shopping centres, and dining establishments that serve the local population. This infrastructure maturity means that residents enjoy established convenience without relying on newer developments to anchor the area's appeal. The demographic profile of Yishun skews towards families with children and upgraders seeking larger spaces, which historically has underpinned steady demand for resale stock across the district.

Transport Connectivity and Location Strategy

Access to public transport remains a cornerstone of any HDB property's investment merit. Yishun's location provides connectivity through multiple bus routes and established road networks, though the specific proximity to rapid transit should factor into any purchase decision. Buyers should assess their commute requirements to employment centres, educational institutions, or business hubs when evaluating this address. The maturity of Yishun's transport infrastructure means that major employment zones across Singapore remain reasonably accessible via existing services, making the neighbourhood viable for working professionals and families with varied schedules.

The established nature of Yishun's infrastructure also means that future upgrades or expansions are less likely to dramatically reshape the district's character compared to newer towns still in development phases. This stability can be advantageous for long-term residents and investors seeking predictable neighbourhood evolution rather than rapid change.

Investment Considerations for Second-Property Buyers

Investors considering 275 Yishun Street 22 as a second residential property must factor in Additional Buyer's Stamp Duty (ABSD). Singapore Citizens purchasing a second residential property currently face a 20% ABSD levy on the purchase price, which represents a significant cost addition that materially affects both the entry price and the rental yield mathematics. For instance, a property transacting at S$500,000 would incur S$100,000 in ABSD alone, pushing total acquisition costs substantially higher. This duty structure means that investment returns must be calculated conservatively, accounting for the compressed margin between purchase cost and rental income.

The compact size of units in this address (approximately 140 square feet) suggests these properties are targeted at single occupants or couples rather than extended families, which may limit the rental market pool. Prospective investor-landlords should conduct thorough due diligence on local rental demand, typical lease durations achievable in this location, and tenant profiles most likely to occupy such compact units. Maintenance and sinking fund obligations associated with HDB properties also represent ongoing costs that must be incorporated into yield calculations.

Market Positioning and Affordability

HDB properties across Singapore remain the most accessible entry point into homeownership, and 275 Yishun Street 22's compact configuration positions it at the affordable end of the public housing spectrum. First-time buyers with limited capital but strong income stability may find this property particularly suitable, especially if they intend to upgrade within a decade or so. The compact floor area means lower absolute purchase prices compared to larger HDB units in the same town, which can allow buyers to qualify for financing more readily and preserve capital for other priorities.

However, prospective buyers should recognise that compact units may face longer holding periods if resale becomes necessary, as the buyer pool for small footprints is narrower than for three-room and four-room configurations. The trade-off between affordability and future saleability is an important consideration in the investment timeline.

Lease Tenure and Long-Term Viability

HDB leases in Singapore are typically 99-year terms, meaning that units approaching the mid-point of their lease lifecycles begin to experience valuation pressures. Buyers should verify the exact remaining lease duration at the point of purchase, as this directly impacts financing eligibility and future resale appeal. Banks typically offer shorter loan tenures for properties with declining lease periods, and many lending institutions become more conservative as leases drop below 60 years remaining. For 275 Yishun Street 22, confirming the current lease position relative to year of construction will be essential to understanding long-term capital value trajectory.

The Housing and Development Board does offer lease extension schemes, though these typically come into consideration only when leases fall significantly. Understanding the extension landscape and any policy signals from the HDB should factor into long-term ownership planning.

Financing and Debt Servicing Considerations

Prospective buyers must ensure that their income and existing debt obligations align with lending policies applicable to HDB purchases. The Total Debt Servicing Ratio (TDSR) framework limits borrowings to 55% of gross monthly income, which in practice means that a buyer earning S$5,000 monthly can service approximately S$2,750 in total monthly debt (including the new mortgage, existing personal loans, car loans, and credit card commitments). For compact units at lower price points, financing headroom is typically generous, but buyers should stress-test their repayment capacity against potential interest rate rises and income volatility.

HDB properties are eligible for CPF Housing Grants and subsidised mortgage rates through HDB itself, which can materially improve affordability compared to private financing. First-time buyers in particular should explore all grant eligibility avenues, as these can reduce effective purchase prices significantly.

Neighbourhood Composition and Community Fabric

Yishun's demographic composition reflects Singapore's broader pattern of ageing public housing estates, with increasingly mixed generational presence as younger families balance against long-term residents. This creates diverse community dynamics that appeal to various buyer segments. The presence of established markets, hawker centres, and community clubs means that daily conveniences are woven into the neighbourhood fabric rather than concentrated in new developments. For retirees or families prioritising walkability to everyday services, this established infrastructure holds genuine appeal.

The neighbourhood's maturity also means that property conditions across the estate range significantly. Buyers should conduct thorough physical inspections of specific units and their surrounding blocks, as maintenance standards can vary considerably between different sections of an ageing town.

Comparative Market Positioning

HDB flat pricing across Yishun generally reflects the town's established status and distance from major commercial districts. Buyers should research recent comparable transactions in the same block or adjacent blocks to establish realistic market pricing and detect any localised factors affecting value. Newer or more centrally-located town areas typically command premium pricing, which can make Yishun a value-oriented choice for budget-conscious purchasers. However, this same value positioning means that capital appreciation rates may lag behind properties in higher-demand locations.

275 Yishun Street 22 should be assessed within the context of alternative HDB options in adjacent towns and the private resale market at comparable price points. This comparative exercise often reveals whether a particular address represents genuine value or reflects reduced demand due to block-specific factors or neighbourhood perception challenges.

Future Supply and District Trajectory

Yishun, as a mature town, is unlikely to receive significant new HDB supply in coming years, as Housing Development Board construction priorities have shifted towards newer towns and strategic growth areas. This supply constraint supports underlying demand stability for existing units, though it also suggests that Yishun's character will remain relatively static rather than evolving dramatically. Buyers seeking a predictable neighbourhood environment should view this positively; those anticipating significant urban renewal or major infrastructure upgrades may be disappointed.

The district's future trajectory will likely emphasise community rejuvenation and precinct improvements rather than expansionary development, with initiatives focused on maintaining estate livability and extending amenities. This pattern supports long-term residential demand but does not point towards the explosive capital appreciation seen in locations with substantial infrastructure expansion plans.

Frequently Asked Questions

What is the estimated rental yield if 275 Yishun Street 22 is purchased as an investment property?

Rental yield for compact HDB units in Yishun typically ranges between 2% and 3.5% gross, depending on exact unit configuration and market conditions at time of purchase. A property acquired at S$500,000 might command monthly rental of S$800 to S$1,200, translating to approximately 2% to 2.9% annual gross yield; however, this must be reduced by ABSD (20% for Singapore Citizens' second property), sinking fund contributions, maintenance costs, and potential vacancy periods. Most investor-landlords use conservative 2% assumptions when stress-testing investment cases, as compact units face narrower tenant pools and may experience longer lettings periods between occupancies. The absolute quantum of monthly rental income must be weighed against the substantially higher capital outlay created by ABSD before committing investment capital.

How does pricing at 275 Yishun Street 22 compare to recent price-per-square-foot transactions in Yishun?

HDB pricing in Yishun generally transacts at price-per-square-foot (psf) figures lower than private housing in central Singapore, typically ranging between S$600 to S$900 psf depending on unit size, lease remaining, and proximity to MRT or amenities. Compact units like those in this address often command slightly higher psf premiums than larger three-room and four-room configurations, as smaller units experience stronger demand from single occupants and newly-married couples. Prospective buyers should request recent transaction data from HDB Resale portal or engage property agents to benchmark exact recent sales in the same block or adjacent addresses, as pricing can vary significantly even within the same town depending on specific block location, floor level, and remaining lease duration. Comparing psf across different unit sizes requires careful methodology, as the cost of essential amenities (kitchen, bathroom) does not scale proportionally with floor area.

What Additional Buyer's Stamp Duty implications apply if I am a Singapore Citizen buying 275 Yishun Street 22 as a second property?

Singapore Citizens purchasing a second residential property face Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price, significantly increasing total acquisition costs. For example, purchasing at S$500,000 incurs S$100,000 in ABSD (20% × S$500,000), payable upfront at completion; this is separate from standard Stamp Duty and must be factored into total cash outlay and financing requirements. The 20% ABSD rate applies to all second residential properties regardless of whether the first property was public or private housing, and also applies to non-first-time buyers irrespective of whether they currently own property. This duty structure materially impacts investment return calculations, as it increases effective capital outlay by one-fifth before any rental income is generated. Some buyers structure purchases through corporate entities to potentially manage ABSD implications differently, though such strategies require detailed tax and legal advice and are not universally applicable.

What lease decay risk and resale value impact should I anticipate if the remaining lease is declining?

HDB leases in Singapore are 99-year terms, and as remaining lease duration declines, resale values typically compress due to reduced financing eligibility and buyer preference for longer-lease properties. Properties with fewer than 60 years remaining typically experience materially slower capital appreciation and face difficulties securing financing, as banks restrict loan tenures proportionally; for instance, a property with 50 years remaining may qualify for only a 25-year loan, significantly reducing the buyer pool. The Housing Development Board offers lease extension schemes, though these typically come into formal consideration only when leases fall below 80 years; extension costs are substantial (often several tens of thousands of dollars depending on remaining lease) and must be amortised across remaining ownership period. For 275 Yishun Street 22, buyers must verify exact remaining lease at point of purchase and factor potential extension costs into long-term financial planning; properties in the 85-99 year remaining range are generally most stable in terms of financing access and market demand.

How does proximity to the nearest MRT station affect demand and capital appreciation for properties at this address?

Distance to rapid transit stations significantly influences HDB demand patterns and price growth, with properties within 400-500 metres of MRT typically commanding 5-15% premiums compared to equivalent units a further kilometre distant. Proximity to MRT improves commute times to employment zones across Singapore, broadens the tenant pool for investor-landlords, and supports long-term capital appreciation as transport connectivity drives residential attractiveness. For 275 Yishun Street 22, the specific MRT proximity should be verified through mapping tools and actual commute-time testing, as the difference between 600 metres and 1.2 kilometres can materially impact both marketing appeal and pricing power. Mature towns like Yishun typically have established MRT access (either through North-South Line or bus rapid transit routes), but properties situated in less convenient positions relative to these connections may experience slower capital appreciation and longer resale timeframes compared to better-positioned units within the same town.

Which buyer profiles are best suited to purchasing 275 Yishun Street 22?

First-time homebuyers with modest budgets and stable employment income represent the most natural market for compact HDB units like this address, particularly if they intend to upgrade within 5-10 years as families grow or income rises. Young professionals and newly-married couples often find such units perfectly serviceable for 3-5 year occupation horizons before progressing to larger configurations. Investors seeking yield-generating assets in the S$400,000-S$600,000 price range may also consider this profile, though they must carefully evaluate rental demand for compact units and account for 20% ABSD and associated carrying costs. Downsizers seeking to consolidate into smaller, lower-maintenance units at older life stages also represent a secondary buyer segment, particularly if they have accumulated property equity and intend to free up capital from larger primary residences. Property upgraders in mid-career, by contrast, typically bypass compact units in favour of larger three-room and four-room configurations that better suit growing families and longer holding periods.

What TDSR implications and financing headroom exist at typical price points for properties in this development?

The Total Debt Servicing Ratio (TDSR) framework limits monthly debt repayments to 55% of gross income, meaning a buyer earning S$5,000 monthly can service approximately S$2,750 in total debt including the new HDB mortgage plus all existing obligations (personal loans, car loans, credit cards). For compact HDB units transacting in the S$400,000-S$600,000 range with 25-year financing terms, monthly mortgage repayments typically range between S$1,500-S$2,300 depending on interest rates and loan amount; these figures generally leave meaningful headroom within TDSR thresholds for buyers with stable incomes in the S$4,500-S$6,500 monthly range. However, buyers with existing car loans, renovation financing, or spouse's debt obligations must deduct these from their TDSR allowance, potentially constraining new mortgage eligibility. HDB properties benefit from subsidised mortgage rates (typically 2-2.5%) compared to private financing, which materially improves affordability and TDSR headroom compared to equivalent-priced private purchases; buyers should explore all CPF Housing Grant eligibility to further enhance purchase power.

How does 275 Yishun Street 22 compare in terms of value to nearby competing developments in the district?

HDB resale market in Yishun encompasses numerous blocks and addresses spanning multiple decades of construction, resulting in considerable pricing variation based on block location, floor level, unit orientation, and remaining lease. Buyers should research comparable recent transactions across the Yishun address range (using HDB Resale portal transaction records) to establish whether 275 Yishun Street 22 represents competitive value relative to alternatives in immediately adjacent blocks or in similar configurations elsewhere in the town. Newer blocks within Yishun typically command premiums reflecting better construction standards and more modern layouts, though older blocks often offer stabilised pricing reflecting completed cycles of maintenance and upgrading. The private resale market rarely offers direct comparison at equivalent price points (typically S$400,000-S$600,000), as private studio apartments or compact one-bedroom units in matured private condominiums usually command 30-50% premiums; this makes HDB properties substantially more affordable but potentially with longer selling timeframes when conversion to private housing is not possible. Investigating specific block-level reputation, maintenance track record, and precinct characteristics often reveals why certain Yishun addresses trade at marginal premiums or discounts to town averages.

Which unit stack or floor level typically offers best value at this HDB address?

Within HDB blocks, valuation often varies subtly by floor level, with mid-level units (typically floors 7-15 in a 25-storey block) frequently representing optimal value balance between pricing and amenity. Lower-floor units (1-5) sometimes trade at modest discounts reflecting concerns about noise from common areas and ground-level activity, though they offer convenience benefits particularly valued by elderly residents and those with mobility constraints; higher-floor units (18+) typically command premiums for enhanced privacy, natural ventilation, and perceived prestige, despite reduced convenience for daily errands. In mature HDB estates like Yishun, block orientation relative to sun exposure, proximity to lift lobbies, and distance from common facilities (refuse chutes, community spaces) also subtly influence pricing; units distant from potential noise sources often achieve 2-5% premiums. Prospective buyers should conduct physical site visits across multiple floors and locations within the block before finalising decisions, as factors like neighbouring unit occupancy, corridor lighting, and proximity to overhead power lines or telecommunications infrastructure can materially influence long-term satisfaction despite being invisible in floor plans. Recent transaction patterns in the specific block and comparison of floor-level pricing trends provide empirical guidance on where value clusters most favourably.

What future supply pipeline exists in Yishun district, and how might this affect long-term property values at this address?

Yishun, as a mature HDB town completed in the 1980s-1990s, is not designated for significant new public housing supply in current Housing Development Board development plans; the agency's construction priorities have shifted towards newer towns and infill sites in strategic growth corridors like Punggol, Tengah, and eastern expansions. This supply constraint supports steady underlying demand for existing Yishun stock, as buyers unable to access newer towns at comparable price points often settle within mature neighbourhoods; however, it also means limited demographic freshening or major infrastructure upgrades that might otherwise elevate capital appreciation. Future development activity in Yishun is likely to focus on precinct rejuvenation, upgrading of community facilities, and targeted estate improvements rather than expansionary building; such initiatives can marginally support values by enhancing lived experience but do not typically generate the explosive price growth associated with new-town development. The demographic trajectory of Yishun will continue shifting towards older resident profiles as younger families upgrade to larger units elsewhere, which may gradually alter neighbourhood character and the relative demand from different buyer segments; long-term property values will likely track inflation rather than substantially outpace broader HDB price growth, making Yishun suitable for owner-occupiers seeking stability rather than investors seeking high capital appreciation.

[For Rent] Hdb Flat At Yishun Street 22 — From S$1,000