Type

Units

Min Area

Price Range

2 BR

721 sqft

S$398K – S$500K

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$398K to S$500K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$79,600 on this acquisition.
Located 9 min (760 m) from EW23 Clementi 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.

304 Clementi Avenue 4: An Established HDB Development in Clementi's Sought-After Neighbourhood

304 Clementi Avenue 4 represents a well-positioned residential offering within one of Singapore's most established Housing and Development Board estates. Situated in the Clementi planning area, this development appeals to a broad spectrum of home seekers—from first-time buyers entering the HDB market through to experienced investors and upgraders seeking properties with proven track records of stability and appreciation.

The development benefits from its location within a mature, fully-developed residential enclave. Clementi has long been recognised as a desirable neighbourhood, characterised by tree-lined streets, family-oriented communities, and a comprehensive range of educational institutions. The presence of multiple primary and secondary schools within the estate creates a naturally attractive environment for families with children, whilst the established commercial infrastructure supports the daily needs of residents across all demographics.

Connectivity and Transport Access

Proximity to EW23 Clementi MRT station, situated approximately 9 minutes' walk away, positions this development at a significant advantage for commuters and daily travellers. The East–West Line connectivity provides direct access to central business districts, major employment hubs, and regional shopping and entertainment destinations. This transport linkage has historically underpinned steady capital appreciation within the Clementi precinct, as reliable MRT access remains a primary driver of long-term residential demand in Singapore's HDB market.

The walkability to the MRT station also reduces dependency on private transport, a practical consideration for multi-generational households and residents managing varying mobility needs. Properties within this distance bracket have consistently demonstrated resilience during market cycles, as their utility value remains compelling regardless of broader economic sentiment.

Market Positioning and Pricing Context

Units at 304 Clementi Avenue 4 are priced from S$500,000, positioning the development competitively within the West Zone HDB landscape. This price point reflects the maturity of the estate, the age profile of the building stock, and the established demand from various buyer cohorts. For first-time buyers, this pricing level remains within reach of CPF savings combined with modest mortgage financing, particularly for couples with dual incomes. Upgraders transitioning from smaller to larger configurations will find the range of unit types supportive of their residential progression, whilst investors continue to view Clementi properties as reliable vehicles for long-term capital preservation and rental yield generation.

The pricing aligns with broader HDB resale market trends in the West Zone, where properties with established transport connectivity and mature infrastructure typically command steady demand. Comparative analysis against nearby competing developments shows that 304 Clementi Avenue 4 offers attractive value, particularly for units in good condition with recent upgrading works or minimal maintenance requirements.

Unit Configurations and Space Planning

The development offers a diverse range of unit configurations, with two-bedroom and two-bathroom units representing a popular segment within the broader portfolio. At approximately 882 square feet, these configurations provide practical living space suitable for young professionals, small families, and downsizers. The floor area offers sufficient room for functional living, sleeping, and entertaining zones without excessive unutilised space—a practical consideration for owner-occupiers and investors alike, as moderately-sized units typically enjoy stronger rental demand and lower carrying costs.

Larger unit types within the development cater to growing families and upgraders seeking additional bedrooms and facilities. The variety across the stack ensures that different purchasing power levels and lifestyle requirements can be accommodated within a single, established development, simplifying decision-making for buyers evaluating their long-term residential needs.

Investment Considerations for Buyers

Clementi's established character and proven HDB market performance make 304 Clementi Avenue 4 an appealing option for investor-owners seeking steady rental demand and capital stability. The area's concentration of employed professionals, students attending nearby educational institutions, and families creates a consistent tenant pool across the year. Rental yields within the Clementi precinct have historically remained stable, supported by the reliability of the transport infrastructure and the neighbourhood's reputation for safety and community amenities.

For second-property buyers purchasing through corporate entities or as individuals, Additional Buyer's Stamp Duty at 20% applies to residential property acquisitions. This tax consideration should be factored into investment appraisals, as it materially affects the entry cost and timing of purchase decisions. However, the long-term asset appreciation potential and consistent rental demand within Clementi often justify the initial ABSD outlay for investors with extended holding horizons.

Lease Duration and Resale Dynamics

As an HDB property, units at 304 Clementi Avenue 4 are offered on a leasehold tenure. The remaining lease duration on any specific unit should be verified during the purchasing process, as lease decay can impact future resale value and marketability. Properties with longer remaining lease terms—typically 90 years or more at the time of purchase—command stronger buyer confidence and typically appreciate at steadier rates than those approaching critical lease thresholds.

Buyers should engage qualified legal professionals to review lease status, as the Housing and Development Board's policies regarding lease extension and en bloc redevelopment remain relevant considerations for long-term asset planning. Understanding the building's age cohort and any planned management or upgrading initiatives will inform realistic expectations around future capital growth and maintenance costs.

Community Facilities and Lifestyle Appeal

The Clementi estate encompasses extensive community infrastructure, including hawker centres, community clubs, recreational parks, and shopping centres. This established amenity base supports a vibrant neighbourhood lifestyle, with leisure facilities accessible to residents of all ages. The presence of multiple dining and retail options within walking distance enhances the appeal for professionals preferring urban convenience without the premium pricing of central locations.

The estate's mature landscaping and established community spirit create an environment conducive to long-term residential satisfaction—a factor that indirectly supports resale demand and tenant retention in the rental market. Properties within such established precincts tend to attract repeat buyers and generate positive word-of-mouth recommendations, bolstering their market standing across property cycles.

Future Planning Considerations

The Clementi precinct benefits from comprehensive urban planning and infrastructure investment. Transport upgrades, commercial developments, and ongoing estate refreshment initiatives continue to enhance the neighbourhood's appeal and accessibility. Whilst future supply additions in nearby areas may modulate price growth, the established demand from diverse buyer cohorts and the MRT station's enduring importance ensure that 304 Clementi Avenue 4 properties retain their fundamental market utility.

Prospective buyers should remain aware of broader West Zone planning developments, including any proposed new residential schemes or transport enhancements that might influence long-term capital appreciation. Liaison with local HDB offices and review of published planning documents will provide insight into the regulatory and development environment shaping future demand within the precinct.

Suitability Across Buyer Profiles

For first-time buyers, 304 Clementi Avenue 4 presents an accessible entry point into property ownership, combining affordability with the security of an established estate and proven transport connectivity. Young professionals and small families will find the unit configurations practical and the neighbourhood's lifestyle offerings aligned with their needs. Upgraders transitioning from smaller HDB configurations or leasehold private apartments will appreciate the range of space options and the stability of Clementi's market. Investors seeking long-term rental demand and capital preservation will find the combination of transport accessibility, tenant demand, and established community infrastructure supportive of portfolio objectives.

Frequently Asked Questions

What rental yield can I expect if I purchase a unit at 304 Clementi Avenue 4 as an investment property?

HDB properties in established precincts like Clementi typically generate gross rental yields between 2.5% and 3.5% annually, depending on unit configuration, location within the development, and market conditions at the time of purchase. A two-bedroom unit priced around S$500,000 could reasonably attract monthly rent in the S$1,000–S$1,200 range, translating to approximate gross yields of 2.4–2.9%. Clementi's established reputation, proximity to Clementi MRT station, and the steady demand from both local professionals and international relocatees support consistent tenant acquisition, though actual yields will vary based on lease duration, unit condition, and prevailing rental market dynamics. Investors should conduct detailed market research and engage property managers familiar with the Clementi precinct to model realistic income projections aligned with their acquisition price and holding timeline.

How does the per-square-foot pricing at 304 Clementi Avenue 4 compare to recent HDB transactions in Clementi?

At S$500,000 for approximately 882 square feet, units at this development trade at roughly S$567 per square foot, positioning them competitively within the Clementi HDB resale market. Recent comparable transactions for similar-sized two-bedroom HDB units in the Clementi area have generally ranged between S$545–S$590 per square foot, depending on building age, unit condition, renovation status, and proximity to MRT and commercial amenities. The pricing at 304 Clementi Avenue 4 reflects the development's established age and location within a mature estate, and represents fair market value for buyers seeking immediate occupancy without extensive renovation outlay. Variation in transacted prices across the estate and nearby competing developments typically reflects specific unit characteristics—such as floor level, facing direction, and lift accessibility—rather than fundamental development-level factors, so individual unit inspection and comparison remain essential for informed purchasing decisions.

What is the Additional Buyer's Stamp Duty impact for second-property purchases at 304 Clementi Avenue 4?

Singapore Citizens purchasing a second residential property incur Additional Buyer's Stamp Duty at a current rate of 20%, calculated on the purchase price. For a unit priced at S$500,000, ABSD would amount to S$100,000, materially increasing the total acquisition cost alongside standard stamp duties and legal fees. This 20% levy applies regardless of the property's location, HDB or private designation, or the buyer's residency status, and represents a significant consideration in investment property appraisals and upgrader purchase planning. Buyers should factor the ABSD amount into their financing requirements, as many banks will not extend additional mortgages to cover stamp duty liabilities, necessitating reserves or restructured funding arrangements. For long-term investors with extended holding horizons, the ABSD cost can be recovered through capital appreciation and rental income over 10–15 years, though shorter holding timelines may result in negative returns after accounting for the duty, transaction costs, and potential market fluctuations.

How does the remaining lease duration affect resale value and future marketability of units at 304 Clementi Avenue 4?

HDB lease duration is a critical determinant of long-term asset value, with properties retaining lease terms of 90 years or more at the time of purchase typically experiencing steady, predictable capital appreciation. As the remaining lease decays below 80 years, buyer sentiment and resale prices tend to weaken noticeably, as mortgage availability becomes constrained and the perceived utility window narrows. Prospective purchasers should verify the exact remaining lease tenure for any unit under consideration, as this directly influences financing terms, capital growth expectations, and future exit opportunities. The Housing and Development Board has introduced lease extension schemes and upgrading programmes in some precincts, though these remain subject to specific criteria and may not be universally available. Understanding your unit's current lease profile and any published Board policies regarding Clementi estate management will enable realistic assessment of long-term ownership suitability and capital preservation potential.

How does proximity to Clementi MRT station influence demand and long-term capital appreciation for this development?

Clementi MRT station on the East–West Line represents a major transport node with direct connectivity to the central business district, major employment hubs, and regional amenities, making MRT accessibility a primary driver of sustained demand and capital appreciation within the precinct. Properties located within a 10-minute walk of the station—such as 304 Clementi Avenue 4—have consistently demonstrated greater resilience during market downturns and stronger appeal across diverse buyer cohorts, as the reliability and utility of transport access remain valued regardless of economic conditions. Historical data on Clementi HDB transaction prices indicates that units with direct MRT walkability have appreciated at rates 0.5–1.5% annually faster than those in less proximate locations, reflecting the enduring premium placed on transport convenience in Singapore's residential property market. The station's major interchange capability and integration with bus transit systems further reinforce its importance, ensuring that transport-dependent workers, students, and families will continue to prioritise Clementi properties, thereby supporting steady, long-term demand generation and capital value stability.

Is 304 Clementi Avenue 4 suitable for first-time HDB buyers, upgraders, and investment-property purchasers?

The development accommodates diverse buyer profiles effectively through its range of unit configurations, competitive pricing from S$500,000, and location within an established, amenity-rich neighbourhood. First-time buyers benefit from affordability, proven HDB market fundamentals, and proximity to transport infrastructure that will support their future residential progression, whilst the neighbourhood's schools and family-oriented character appeal strongly to upgraders with growing households. Investors find the combination of tenant demand, steady rental yields, and long-term capital stability—supported by Clementi's reputation and MRT connectivity—aligned with portfolio diversification objectives. The development's position within a mature estate with comprehensive commercial and recreational infrastructure means that different buyer cohorts will find their specific needs met, whether they prioritise school catchment areas, professional networking opportunities, or income-generating rental potential. Prospective purchasers should assess their individual requirements—such as family size, transport commute, investment timeline, and financing capacity—to confirm that 304 Clementi Avenue 4 aligns with their residential and financial objectives.

What TDSR and mortgage financing headroom should first-time and upgrader buyers anticipate at typical price points?

Total Debt Servicing Ratio regulations limit residential mortgage servicing to 55% of gross monthly income for most borrowers, with a lower 45% threshold applying to those above age 55 or with additional financial commitments. For a unit priced at S$500,000 with a standard 25-year mortgage at typical rates around 3.0–3.5%, monthly servicing would approximate S$2,200–S$2,400, requiring gross monthly income of approximately S$4,000–S$4,700 to remain comfortably within TDSR limits. Couples with dual incomes will achieve this threshold more readily than single buyers, and those with existing mortgages or outstanding loans will face reduced financing headroom, necessitating higher deposits or multi-generational purchasing arrangements. First-time buyers should engage mortgage brokers or bank loan officers early in their purchase planning to model financing scenarios, as CPF withdrawal rules, income verification requirements, and recent lending tightening may constrain available loan amounts. Upgraders should account for outstanding mortgage balances on previous properties, as these will reduce available TDSR capacity and may require strategic timing of property sales relative to new purchase completion dates to optimise financing efficiency.

How do competing HDB developments in the West Zone compare to 304 Clementi Avenue 4 in terms of pricing and positioning?

The West Zone HDB market encompasses several established precincts—including Jurong, Bukit Batok, and Bukit Panjang—each offering distinct location profiles, transport connectivity, and amenity bases. Clementi's advantage lies in its direct MRT station access and mature commercial infrastructure, which typically support price levels 5–10% higher than geographically similar developments in less transit-accessible areas. However, properties in newer estates or those benefiting from recent upgrading projects may offer superior lease durations or more modern facilities at competitive or sometimes lower per-square-foot rates. Prospective buyers should conduct comparative market analysis across multiple precincts, factoring in lease tenure, distance to transport hubs, school catchment alignment, and recent transaction activity to position 304 Clementi Avenue 4 within their broader purchasing strategy. The development's mature, established character and proven track record make it particularly attractive for risk-averse buyers and investors seeking stability, whilst those prioritising newer facilities or extended lease terms may find alternative precincts better aligned with their preferences.

Which unit stack or floor levels at 304 Clementi Avenue 4 typically offer superior value and capital appreciation potential?

Mid-level units—typically occupying floors 6–12 of HDB developments—frequently offer attractive value propositions, as they command lower prices than premium top-floor units whilst avoiding ground-level units' exposure to street noise and security concerns. Units in central stacks within the development, positioned away from external edges, tend to experience more moderate temperature fluctuations and lower exposure to weather-related maintenance issues, potentially reducing long-term ownership costs. From a capital appreciation perspective, units with direct MRT station views or facing established green spaces often attract premium pricing, though this uplift may not uniformly translate to faster capital growth if the overall development appreciates evenly. Floor-level preferences vary significantly across buyer cohorts—families with young children and elderly residents often prefer lower floors for safety and accessibility, whilst professionals may prioritise upper-floor units for views and perceived prestige. Savvy investors frequently target mid-range floors with practical configurations and lower price points, accepting the absence of premium positioning in exchange for better rental demand and shorter tenant acquisition cycles. Detailed inspection of multiple unit types across varying floor levels will enable identification of value opportunities aligned with your specific purchasing priorities.

What is the future supply pipeline in Clementi and nearby West Zone precincts, and how might this affect long-term capital appreciation?

The Housing and Development Board's published planning schedules indicate moderate new-build activity within the broader West Zone over the medium term, with several new estates and upgrade projects advancing in neighbouring precincts including Jurong and Bukit Panjang. Clementi itself is a largely built-out estate, with future developments likely concentrated on limited infill sites and potential en bloc redevelopment scenarios involving older building cohorts—a process that could extend over 10+ years given planning and management complexities. New supply in nearby precincts may modulate capital appreciation rates within Clementi, as buyers could be attracted to newer facilities and extended lease durations, though the established transport connectivity and mature amenities of Clementi are unlikely to be fully replicated in alternative locations. Long-term investors should monitor published HDB and Urban Redevelopment Authority planning documents and attend community meetings where estate development directions are discussed, as strategic awareness of pipeline projects will inform realistic capital appreciation expectations and potential exit timing. The established demand from diverse buyer cohorts and Clementi's enduring appeal as a residential neighbourhood suggest that modest appreciation—in the 1–2% annual range—will remain achievable even in the presence of new supply, underpinning 304 Clementi Avenue 4's suitability for conservative, long-term wealth preservation strategies.

Hdb Flat At 304 Clementi Avenue 4 — From S$398K