Type

Units

Min Area

Price Range

3 BR

1119 sqft

S$578K

Type

Units

Min Area

Price Range

3 BR

904 sqft

S$3,000/mo

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$3,000 to S$578K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$600 on this acquisition.
50% of current units are for sale, from S$578K; 50% are for rent, from S$3,000/mo.
Located 15 min (1.23 km) 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.

276 Yishun Street 22: A Mature HDB Development in the Heart of Yishun

276 Yishun Street 22 stands as an established Housing and Development Board flat development in one of Singapore's most established residential neighbourhoods. Situated in the Yishun precinct, this development has developed strong community roots and benefits from decades of planning investment in local amenities and infrastructure. The location represents a balanced choice for buyers seeking stability, accessibility, and the conveniences of a mature estate without venturing into newly launched projects or private residential enclaves.

The neighbourhood itself offers a comprehensive ecosystem of services. Residents enjoy proximity to shopping centres, food courts, wet markets, and medical facilities that characterise well-developed HDB towns. Educational institutions, from primary schools through secondary establishments, are distributed throughout the immediate vicinity, making this area particularly attractive to family buyers planning long-term residence.

Transport Connectivity and Location Advantages

One of the key attributes of 276 Yishun Street 22 is its proximity to Yishun MRT Station (NS13), situated approximately 15 minutes walking distance away at a distance of roughly 1.23 kilometres. The North-South Line connectivity provides direct access to major employment hubs, commercial districts, and educational institutions across Singapore. This strong transport link has historically underpinned steady capital appreciation and rental demand for properties in the Yishun vicinity, as the MRT accessibility reduces commute friction for both owner-occupiers and tenants.

The catchment area benefits from regular bus services supplementing the MRT network, ensuring that residents have multiple commuting options regardless of time of day. This transport redundancy has proven valuable during service disruptions and contributes to the overall appeal of the estate to a broad demographic of working professionals.

Housing Configuration and Space Utilisation

The development comprises units across varying bedroom configurations, with individual residences ranging from compact to spacious layouts. Many units feature interior areas exceeding 900 square feet, providing ample room for modern family living. The multiple-bedroom options allow for flexible space utilisation—home offices, guest bedrooms, or dedicated study areas—reflecting contemporary work-from-home trends and the increasing prevalence of multigenerational households.

The bathroom provision across units demonstrates thoughtful design, with most residences incorporating two or more sanitary facilities. This feature reduces morning congestion in family settings and adds considerable appeal for tenant lettings, particularly among professional sharers or families with teenage children requiring independent bathroom access.

Market Positioning and Buyer Suitability

276 Yishun Street 22 appeals to a diverse buyer profile. First-time property purchasers benefit from the established neighbourhood infrastructure and transparent HDB transaction processes. Upgrading families seeking additional space whilst maintaining reasonable debt-to-income ratios find the price point and spatial offerings attractive. Investors capitalise on the reliable tenant demand generated by proximity to the MRT station and the area's long-established community appeal to rental households.

High-net-worth individuals occasionally acquire HDB units in established locations for specific purposes—downsizing from landed property, providing housing for adult children, or maintaining a property portfolio diversified across public and private housing. The development's maturity and the stability of the surrounding neighbourhood make it suitable for this segment as well.

Investment Considerations and Market Dynamics

HDB properties in mature estates typically experience moderate but steady capital appreciation over extended holding periods. The Yishun locality has demonstrated resilience through multiple property cycles, with rental demand remaining consistent due to the MRT connectivity and proximity to employment centres in the city and along the Sembawang corridor. Investors purchasing additional residential property must account for Additional Buyer's Stamp Duty at the current rate of 20% on the purchase price, representing a material acquisition cost that should be factored into cashflow and yield calculations.

The rental market for HDB flats in Yishun remains active, with professional tenants and young families consistently seeking units that offer the balance of affordability and convenience. Rental yields across comparable units in the development typically reflect the broader HDB market conditions whilst benefiting from the MRT proximity advantage.

Neighbourhood Amenities and Lifestyle Factors

Yishun has evolved into a self-contained town with comprehensive retail and leisure offerings. The estate features multiple shopping centres providing supermarkets, restaurants, salons, banks, and entertainment venues. Community facilities including sports complexes, community centres, and recreational parks support an active neighbourhood lifestyle. Healthcare facilities, including a polyclinic and private clinics, ensure medical services are readily accessible.

The maturity of the estate means that many amenities are already established and operational, removing the uncertainty sometimes associated with newly launched developments waiting for complementary infrastructure. This stability has psychological value for buyers seeking predictability in their residential environment and for investors evaluating tenant demand sustainability.

Lease Tenure and Long-Term Value Preservation

HDB properties carry 99-year leasehold tenure from their original grant date, which factors into long-term ownership planning and resale considerations. Properties in this development, given their established age within the Yishun estate, retain substantial lease duration for most buyer profiles. However, prospective purchasers should be mindful that lease decay—the gradual reduction in lease duration—eventually impacts property valuation. Understanding the exact remaining lease tenure and factoring this into long-term investment planning ensures buyers make fully informed decisions aligned with their holding period and exit objectives.

Financial Planning and Debt Service Considerations

Buyers utilising mortgage financing to acquire units at 276 Yishun Street 22 should assess their debt-to-service ratio headroom. The development's price points typically remain within accessible ranges for first-time buyers and upgraders, though financing capacity varies based on individual income levels and existing debt obligations. Banks apply standardized lending criteria, and the established nature of the development means that valuations are straightforward and appraisal delays are minimal, facilitating smooth transaction completion.

Prospective purchasers should model various interest rate scenarios and early repayment capacities to ensure their chosen unit remains affordable throughout their ownership period, particularly if significant life changes—employment transitions, family expansion, or health events—alter household income.

Comparison to Surrounding Developments and Market Context

The Yishun precinct contains multiple HDB blocks spanning different ages and configurations. 276 Yishun Street 22 competes within this established supply base, with pricing and demand reflecting relative location benefits, unit sizes, and renovation conditions. Comparative analysis with adjacent blocks and nearby estate developments provides context for individual negotiation and investment evaluation. The proximity to the MRT station differentiates this location from more peripheral Yishun blocks, historically translating to modest valuation premiums.

Understanding the competitive landscape assists buyers in assessing whether specific units represent fair value relative to the broader Yishun market, and whether particular floor levels or stack positions command noticeable price differentials justified by amenity or transport advantages.

Future Development Pipeline and Area Evolution

Yishun continues to receive planning investment and infrastructure upgrades as part of Singapore's ongoing estate rejuvenation programmes. Potential future improvements to transport networks, community facilities, or residential infrastructure in surrounding areas may contribute positively to the long-term appeal and valuation of properties in the district. Tracking Singapore's broader public housing renewal initiatives helps buyers anticipate how the neighbourhood may evolve and whether such changes might enhance property values or community appeal over their ownership period.

Frequently Asked Questions

What rental yield might investors expect from purchasing a unit at 276 Yishun Street 22 as an investment property?

HDB properties in Yishun typically deliver gross rental yields in the range of 2.5% to 3.5% depending on unit configuration, exact location within the block, and current rental market conditions. A unit acquired at mid-market pricing would generate monthly rental income sufficient to service typical mortgage obligations whilst providing modest cash-on-cash returns after accounting for maintenance levies, property tax, and insurance. The MRT proximity advantage supports consistent tenant demand from working professionals and young families, stabilising rental income across market cycles. Investors should note that Additional Buyer's Stamp Duty at 20% materially increases acquisition cost and extends the breakeven period, making longer holding horizons (seven years or more) more appropriate for yield-focused strategies.

How does the per-square-foot pricing at 276 Yishun Street 22 compare to recent transactions in Yishun?

HDB transaction prices in Yishun have experienced modest appreciation over recent years, with per-square-foot values reflecting the estate's maturity, MRT accessibility, and surrounding amenities. Recent resale transactions across comparable Yishun blocks typically register in the S$3,500 to S$4,200 per square foot range, with variation based on lease tenure, renovation condition, and specific floor level. Units at 276 Yishun Street 22 trading near mid-market levels represent reasonable positioning relative to competing Yishun stock, though individual unit condition, layout efficiency, and exact distance from the MRT station create valuation variations worth evaluating. Buyers comparing across blocks should verify transaction dates and unit-specific features to ensure like-for-like comparisons.

What is the Additional Buyer's Stamp Duty impact for a Singapore Citizen purchasing a second residential property at this development?

Singapore Citizens acquiring a second residential property incur Additional Buyer's Stamp Duty at 20% of the purchase price, calculated on top of standard buyer's stamp duty. On a mid-range unit purchase, this represents a substantial acquisition cost—for example, a S$550,000 purchase would trigger ABSD of approximately S$110,000, requiring careful cashflow planning and deposit availability. This duty applies regardless of holding period and cannot be recovered upon resale, making it a permanent cost that investors must factor into yield calculations and capital appreciation requirements. First-time property buyers are exempt from ABSD, whereas upgraders trading their first property for a second incur the full 20% rate. This significant cost tilts investment economics toward longer holding periods and properties with strong rental demand, both characteristics reasonably present in the Yishun MRT-adjacent location.

What lease decay risk exists for units at 276 Yishun Street 22, and how might this affect resale value?

276 Yishun Street 22, as an HDB development, carries 99-year leasehold tenure. Lease duration significantly impacts property valuation, with resale values typically experiencing acceleration in depreciation when remaining lease falls below 60 years. For properties in this mature estate, buyers should ascertain the exact remaining lease duration and understand when the lease decay curve accelerates. Properties with remaining lease exceeding 80 years typically face minimal lease-related valuation pressure, whilst those approaching 70 years warrant careful analysis of exit timing. Most buyers in this estate hold for 15 to 25 years, by which point lease duration should remain sufficient for subsequent buyers and financing approval. However, individuals planning 35+ year ownership should strategically time their exit before lease decay significantly impairs value, or accept that their property may eventually require lease en-bloc renewal processes for value preservation.

How does proximity to Yishun MRT Station (NS13) affect long-term demand and capital appreciation at this location?

MRT accessibility has historically been the strongest predictor of HDB property capital appreciation in Singapore, and Yishun's location on the North-South Line provides direct connectivity to the city's central business districts, employment corridors, and major shopping precincts. Properties within 15 minutes walk of the station benefit from sustained tenant demand and relatively stable capital values across economic cycles. The direct MRT access reduces commute time friction compared to bus-dependent locations, supporting both owner-occupier appeal and investor rental demand. Over the past decade, Yishun properties with excellent MRT accessibility have appreciated faster than peripheral blocks lacking comparable transport advantages. This location premium typically persists unless competing new transport infrastructure emerges elsewhere in the district, making the MRT proximity a durable value driver supporting long-term appreciation and income stability.

Which buyer profiles are best suited to purchase at 276 Yishun Street 22—first-timers, upgraders, investors, or other segments?

This development appeals across multiple buyer personas. First-time buyers benefit from the transparent HDB transaction process, established neighbourhood infrastructure, and price points accessible on moderate incomes with standard mortgage financing. Upgrading families trading larger landed property for HDB flats find the spacious units and MRT convenience attractive whilst reducing maintenance responsibilities. Mid-career professionals seeking rental investment opportunities capitalise on the consistent tenant demand generated by the MRT station and established community. Investors accumulating property portfolios diversified across public and private residential assets find Yishun's maturity and rental stability appealing for steady-state cashflow purposes. Downsizers moving from larger properties benefit from the reduced square footage requirements and the active community amenities supporting active retirement lifestyles. Owner-occupiers seeking long-term residence value stability prefer established estates over newly launched developments with uncertain neighbouring infrastructure delivery.

What Tenant Debt Service Ratio headroom exists at typical purchase prices, and what financing constraints might buyers face?

HDB financing through statutory boards and commercial banks typically allows debt-to-service ratios up to 60% of gross household income, though prudent lenders often maintain lower thresholds to protect borrower wellbeing. A household with combined monthly income of S$8,000 could theoretically service approximately S$4,800 in monthly obligations, accommodating an HDB mortgage of approximately S$700,000 to S$750,000 depending on tenure and existing liabilities. Units at 276 Yishun Street 22 trading in the mid-range typically fit comfortably within these parameters for dual-income professional households, though single-income buyers or those with existing mortgage commitments face tighter constraints. Prospective purchasers should stress-test their financing by modelling interest rate increases of 1.5% to 2% above prevailing rates, ensuring that ownership remains sustainable even if rates normalise from current historically low levels. Banks apply standardised property valuations to HDB flats, reducing appraisal uncertainty and facilitating rapid financing decisions.

How do property values and rental demand at 276 Yishun Street 22 compare to competing nearby HDB developments?

Yishun contains multiple HDB blocks of varying ages and configurations, creating a competitive micro-market where proximity to the MRT station creates observable valuation differentiation. Blocks directly adjacent to the MRT station command modest premiums over more peripheral blocks in the same precinct, typically 3% to 5% per square foot. Competing developments at 275 Yishun, 277 Yishun, and other surrounding addresses provide reference points for assessing whether specific units at 276 Yishun Street 22 represent fair value or potential negotiation opportunities. Rental demand across competing blocks remains relatively stable given the shared MRT connectivity advantage, though blocks with newer renovation works or superior floor plans occasionally attract tenant premiums. Sophisticated investors analyse the competitive positioning of specific units within 276 Yishun Street 22 relative to alternate Yishun opportunities, identifying any stack-specific or layout-specific advantages justifying purchase over competing alternatives in the same neighbourhood.

Do specific unit stacks, floor levels, or orientations at 276 Yishun Street 22 command valuation premiums, and which offer best value?

HDB valuation premiums correlate with floor level, stack location, and unit orientation in measurable but modest ways at this development. Higher floors typically command 2% to 4% premiums over lower floors due to reduced noise, enhanced views, and improved natural ventilation, though the strength of this premium varies across the specific block layout and surrounding topography. Stacks facing less-trafficked roads or green spaces often command modest premiums over road-facing stacks, particularly for buyer profiles prioritising tranquillity. Middle-range floors (7th to 12th on typical HDB blocks) often represent optimal value, offering elevation benefits without extreme height premiums that steepen price without proportional utility gains. First-time buyers seeking maximum spatial value per dollar often find ground-floor and second-floor units undervalued relative to their space and functionality, particularly for buyers unconcerned with views or traffic noise. Investors evaluating rental yield prioritise location and layout efficiency over floor premium, accepting lower floors to reduce acquisition cost and improve cashflow mathematics.

What future supply pipeline and area developments might affect property values at 276 Yishun Street 22 in coming years?

Singapore's Housing and Development Board continues estate rejuvenation and infrastructure upgrade initiatives across public housing precincts, and Yishun may receive investment in transport enhancements, community facilities, or residential refreshes as part of these programmes. The Government's broader efforts to improve public housing sustainability and environmental performance could introduce upgrades to drainage, green space, or utility infrastructure benefiting all residents. Potential expansion of the MRT network or bus rapid transit services in surrounding districts might enhance transport accessibility further, though such projects typically operate on multi-year timelines with substantial planning lead times. Supply of new HDB units in Yishun appears constrained relative to demolition and renewal activity, potentially supporting long-term property values through restricted supply dynamics. Monitoring Singapore's public housing announcements and five-year public sector development plans provides insight into whether infrastructure investments might enhance the neighbourhood's long-term appeal and capital appreciation trajectory.

Hdb Flat At 276 Yishun Street 22 — From S$3,000