Type

Units

Min Area

Price Range

4 BR

1281 sqft

S$1M

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1M.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$200K on this acquisition.
Located 14 min (1.14 km) from EW18 Redhill 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.

35 Jalan Rumah Tinggi: A Mature HDB Development in Redhill

35 Jalan Rumah Tinggi stands as an established public housing development situated in the vibrant Redhill neighbourhood, one of Singapore's most sought-after mature residential enclaves. The project comprises a collection of HDB units that cater predominantly to families and upgraders seeking spacious, well-appointed accommodation within a central location. The development's appeal extends across multiple buyer profiles, from young professionals expanding into family homes to investors recognising the stability of mature estate properties.

Location and Transport Connectivity

The development benefits from its position within easy reach of EW18 Redhill MRT Station, positioned approximately 14 minutes' walk away via a distance of 1.14 kilometres. This accessibility to the East-West Line represents a significant advantage for residents commuting to employment centres across the island, whether heading towards the business districts of the city centre or to outlying industrial zones. The MRT proximity ensures that daily travel times remain reasonable, whilst the mature neighbourhood also supports bus connectivity through multiple feeder routes, providing alternative transport options during peak periods or service disruptions.

Unit Configurations and Living Space

The units at 35 Jalan Rumah Tinggi emphasise generous floor plans, with four-bedroom configurations offering approximately 1,281 square feet of usable living area. This spaciousness distinguishes the development from newer, more compact designs in other districts, appealing strongly to families requiring distinct spaces for children, home offices, and entertaining guests. The inclusion of two bathrooms within these larger units reflects practical family living requirements, reducing morning congestion and enhancing the day-to-day comfort of multi-person households. These proportions make the development particularly attractive to upgraders transitioning from smaller three-room or four-room flats seeking a genuine increase in residential amenities.

Neighbourhood Character and Amenities

Redhill represents one of Singapore's most mature and well-established residential quarters, characterised by stable community infrastructure developed over several decades. The neighbourhood accommodates a comprehensive range of amenities within convenient proximity, including primary and secondary schools serving the local catchment, shopping facilities catering to daily needs, dining establishments reflecting diverse cuisines, and healthcare services including clinics and dental practices. The surrounding environment also features neighbourhood parks, community centres hosting regular activities, and established wet markets providing fresh produce and everyday household items. This maturity means residents encounter an established social fabric and established service providers, avoiding the uncertainties sometimes present in newer developments still building out their support infrastructure.

Investment Perspective and Capital Appreciation

Properties within mature HDB estates typically demonstrate resilience in capital value, supported by consistent demand from upgraders and the finite supply of larger flat configurations in central locations. The Redhill area has historically maintained steady appreciation trajectories, benefiting from its proximity to the city centre, established transport links, and the perennial shortage of spacious public housing options. Investors considering 35 Jalan Rumah Tinggi as part of a diversified portfolio may find the combination of rental demand and modest capital growth attractive, particularly if acquisition occurs at earlier stages within the resale cycle. The development's maturity also means prospective tenants encounter a neighbourhood with established amenities and transport connections, supporting consistent tenant interest.

Pricing and Market Positioning

Units at 35 Jalan Rumah Tinggi commence from S$1,000,000, positioning the development as a premium HDB offering reflective of its spacious configurations and Redhill location. This pricing places the development firmly within the upgrader segment, targeting households with accumulated equity from previous properties or significant financial capacity. Comparative analysis with neighbouring mature developments and recent Redhill transactions indicates pricing broadly aligned with market expectations for four-bedroom HDB units in central locations with established MRT access. Prospective purchasers should evaluate psf costs against recent comparable sales in the surrounding district to determine whether specific units offered represent value within current market conditions.

Buyer Suitability and Family Appeal

The development accommodates diverse buyer profiles effectively. First-time upgraders moving from three-room flats find the space increase transformative for lifestyle quality. Young families establishing roots before children enter school benefit from the neighbourhood's education infrastructure and family-oriented character. High-net-worth individuals seeking larger family homes within the public housing sector appreciate the space-to-price efficiency compared with private condominium alternatives. Investors recognise the combination of rental appeal and capital stability within mature estates. Downsizers moving from larger private properties often find four-bedroom HDB units provide appropriate space without the maintenance burdens of landed properties.

Lease Tenure Considerations

As an HDB development, units operate under a 99-year leasehold tenure from their original allocation date. Prospective purchasers should ascertain the precise lease commencement date for specific units under consideration, as remaining tenure influences both financing availability and long-term resale value. Properties with lease periods remaining below 60 years may encounter financing restrictions and potential capital value depreciation as the lease further shortens. Financial institutions typically impose stricter lending criteria on shorter-lease properties, and buyers should confirm mortgage eligibility before committing to purchase. The 99-year tenure means that developments first built in the 1980s or earlier now carry correspondingly reduced remaining lease periods, warranting careful consideration within financial planning timeframes.

Financing and Affordability Considerations

At the S$1,000,000 price point, prospective buyers require substantial financial capacity or accumulated housing equity to effect purchase. Mortgage financing through HDB or approved financial institutions typically permits loans covering 80-90% of property value for eligible first-time or upgrading buyers, necessitating downpayments in the region of S$100,000-S$200,000 depending on individual lending terms. Total Debt Service Ratio (TDSR) requirements mandate that housing loan repayments not exceed 30% of gross monthly household income, implying required monthly incomes exceeding S$7,000-S$9,000 depending on loan quantum and tenure selected. Additional Buyer's Stamp Duty implications apply for second-property purchases by Singapore Citizens, currently assessed at 20% of property value, representing a significant financial consideration for investors or those purchasing beyond a primary residence.

Supply Context and Market Dynamics

The Redhill district benefits from relatively constrained supply of new HDB units, as the estate has achieved developmental maturity with limited land available for new public housing construction. This supply scarcity supports price stability and resale demand, as the pool of available properties remains finite whilst housing demand in central locations persists. Future HDB supply in the broader Central region will concentrate on infill developments and estate renewal projects rather than new greenfield estates, maintaining relative scarcity. Properties within established estates therefore benefit from long-term supply-demand dynamics favouring seller positions, as continued population growth and urbanisation pressures concentrate demand on properties already servicing central locations effectively.

Conclusion

35 Jalan Rumah Tinggi represents a mature HDB development offering spacious family accommodation within an established central location. The combination of large four-bedroom configurations, Redhill's stable neighbourhood character, proximity to the East-West Line, and reasonable pricing positions the development as a compelling option for upgraders, families, and investors seeking exposure to central HDB properties. Prospective buyers should evaluate individual unit lease tenures, conduct comparative market analysis within the Redhill sector, and confirm financing capacity before proceeding. The development's appeal extends beyond mere accommodation to encompass location, community infrastructure, and long-term value stability inherent to mature public housing estates in Singapore's prime residential districts.

Frequently Asked Questions

What estimated rental yield can investors expect from purchasing a unit at 35 Jalan Rumah Tinggi?

Rental yields on four-bedroom HDB units in Redhill typically range between 2.5% and 3.5% gross annually, depending on specific unit configuration, floor level, and exact rental market conditions at time of tenancy commencement. A S$1,000,000 unit generating S$2,500-S$3,500 monthly rent translates to these yield percentages before accounting for property tax, maintenance contributions, and potential vacancy periods. Mature estates attract consistent tenant demand from young professionals, relocating families, and companies seeking accommodation for expatriate staff, supporting rental consistency. However, investors should account for the 20% Additional Buyer's Stamp Duty payable on second-property purchases, effectively increasing acquisition costs and required rental income thresholds to achieve target yields above 3%.

How does pricing at 35 Jalan Rumah Tinggi compare to recent psf transactions in the Redhill area?

Four-bedroom HDB units in Redhill have traded at approximate psf values ranging from S$780-S$850 per square foot in recent market activity, placing units at this address within or marginally above current market benchmarks depending on specific unit floor levels and views. A 1,281 sqft unit at S$1,000,000 translates to approximately S$780 psf, suggesting competitive pricing relative to recent comparable sales. Prospective buyers should verify recent transaction data for units within the same block and similar configurations to ensure pricing reflects current market conditions, as psf valuations can vary significantly based on unit exposure, lift accessibility, and remaining lease tenure. Consulting recent HDB transaction records through official channels provides independent verification of whether specific units represent fair market value or premium positioning.

What are the Additional Buyer's Stamp Duty implications for second-property buyers purchasing at this development?

Singapore Citizens purchasing a second residential property incur Additional Buyer's Stamp Duty at the current rate of 20% of the property purchase price, representing a significant financial obligation beyond the standard Buyer's Stamp Duty. On a S$1,000,000 property, this 20% ABSD equates to S$200,000 payable upon completion, effectively increasing total acquisition costs and reducing net equity positions. Investors and upgraders transitioning from primary residences to investment properties or second homes must incorporate this S$200,000 cost into financial planning and mortgage capacity calculations, as most financial institutions do not permit borrowing against ABSD amounts. Careful evaluation of investment returns, holding periods, and exit strategies becomes essential when ABSD represents 20% of acquisition costs, ensuring that anticipated rental income or capital appreciation justifies the substantial additional outlay.

What lease decay risks and resale implications should buyers consider for units at 35 Jalan Rumah Tinggi?

As an HDB development, units operate under 99-year leasehold tenure commencing from their original allocation date; developments constructed in the 1980s now carry significantly reduced lease periods. Properties with remaining leases below 60 years face increasingly restrictive financing terms, as most financial institutions impose tighter lending criteria and lower loan-to-value ratios on shorter-lease properties. Resale values experience measurable depreciation as leases decline below 60-year thresholds, with prospective buyers incorporating lease decay risk into valuations. Prospective purchasers should obtain specific lease commencement documentation for units under consideration, calculate remaining lease duration precisely, and confirm mortgage eligibility through their chosen financial institution before committing to purchase. Longer-lease units within the development command premium valuations and enjoy superior financing accessibility, making lease tenure a critical evaluation factor.

How does proximity to EW18 Redhill MRT Station influence demand and capital appreciation prospects?

The 14-minute walk to Redhill MRT Station provides direct East-West Line connectivity, a critical amenity supporting strong tenant demand and buyer appeal across multiple demographics. Proximity to established MRT stations historically supports superior capital appreciation compared with developments requiring longer commute times, as transport accessibility represents a finite, non-replicable asset. Properties within walking distance of mature MRT stations demonstrate resilience during economic cycles, as transportation efficiency appeals consistently to upgraders and families regardless of market conditions. The East-West Line's significance to Singapore's transport network, connecting diverse employment centres from Pasir Ris to Tuas, ensures continued relevance and utilisation by commuters. However, prospective purchasers should note that units closest to the MRT station may experience modestly higher noise levels and foot traffic during peak periods, potentially influencing specific floor selections within the development.

Which buyer profiles are best suited to properties at 35 Jalan Rumah Tinggi?

Upgraders transitioning from three-room or four-room flats represent the primary target demographic, seeking space increases and enhanced family accommodation without relocating beyond central Singapore. Young families establishing roots before children enter school benefit substantially from Redhill's education infrastructure, neighbourhood stability, and family-oriented amenities. High-net-worth individuals seeking larger public housing options appreciate the space-to-price efficiency compared with private condominium alternatives whilst maintaining simpler management responsibilities. Investors recognise the combination of consistent rental demand, lease stability within a 99-year framework, and capital appreciation potential within mature central estates. Downsizers from larger private properties occasionally find four-bedroom HDB units appropriately scaled, avoiding maintenance burdens of landed properties whilst retaining substantial living space. International relocations and corporate housing programmes also generate tenant interest, as companies frequently source HDB accommodation for expatriate staff seeking central-location family housing.

What TDSR and financing headroom considerations apply at the S$1,000,000 price point for this development?

Total Debt Service Ratio requirements mandate that housing loan repayments not exceed 30% of gross monthly household income, implying required monthly incomes exceeding approximately S$8,000-S$10,000 for typical 25-year loan tenures on S$1,000,000 properties. A S$800,000 mortgage (80% LTV) over 25 years at current interest rates generates monthly repayments approximately S$4,200-S$4,800, necessitating household income thresholds of S$14,000-S$16,000 to maintain comfortable TDSR ratios below 30%. Prospective buyers carrying existing liabilities, including car loans, credit card facilities, or personal loans, face reduced financing headroom, as lenders aggregate all debt servicing obligations within TDSR calculations. Downpayment capacity significantly influences financing outcomes; buyers able to contribute S$300,000-S$400,000 downpayments reduce mortgage quantum substantially, improving TDSR positions and securing more favourable interest rates. Pre-approval consultations with HDB or approved financial institutions provide precise financing headroom calculations specific to individual income circumstances and existing debt obligations.

How does 35 Jalan Rumah Tinggi compare to nearby competing HDB developments in Redhill and adjacent districts?

Neighbouring HDB developments within Redhill and Tiong Bahru precincts typically offer comparable four-bedroom units at similar price points, ranging from S$950,000-S$1,050,000 depending on specific block location and lease tenure. Properties within walking distance of different MRT stations, such as Tiong Bahru (EW16) or further afield, may command modest premiums or discounts based on precise transport proximity and neighbourhood character preferences. Developments constructed during different periods exhibit varying maintenance standards and architectural quality; newer infill projects may offer modernised facilities and refreshed common areas, whilst older established blocks provide proven long-term value stability. Prospective buyers should evaluate multiple competing developments across Redhill and adjacent Tiong Bahru to understand relative positioning within the local market, utilising comparative transaction data to identify whether specific units represent optimal value. Direct neighbourhood comparisons prove essential, as individual block positioning, views, and lift accessibility create material valuation differences independent of development-wide characteristics.

Which unit stack positions or floor levels offer optimal value within the development?

Mid-level units, typically floors 8-15 within multi-storey blocks, often represent optimal value combinations, providing adequate elevation for privacy and views without commanding premium pricing associated with higher floors. Lower-floor units, particularly levels 3-6, attract families with young children or elderly residents preferring shorter lift journeys, though some market segments perceive modest view or privacy limitations. Top-floor units command premium pricing reflecting superior views, natural light, and reduced noise from overhead neighbours, justifying higher valuations for buyers prioritising these amenities. Units positioned centrally within the development block typically offer superior ventilation and natural light compared with corner positions or units adjacent to adjoining structures. Prospective buyers should view specific units under consideration, assessing natural light, outlook, ventilation, and noise exposure during visit periods. Direction orientation, whether north-facing for consistent light or south-facing for afternoon sun, influences long-term living comfort and should inform floor level selections based on individual preferences.

What future supply pipeline developments in the Redhill and Central district may influence market dynamics?

The Redhill area has achieved developmental maturity with limited land available for new HDB construction, as the estate has been substantially built out over previous decades. Future housing supply within the Central region will concentrate on infill developments within existing estates and strategic estate renewal projects targeting aged blocks, rather than new greenfield developments creating fresh inventory. Upcoming BTO (Build-to-Order) launches in adjacent Growth Areas such as Punggol or Woodlands may draw some demand from first-time buyers, indirectly supporting upgrader demand at mature estates like Redhill. Government housing policy emphasising central-location intensification and transit-oriented development suggests continued focus on renewing existing Central estates rather than expanding peripheral supply, maintaining relative scarcity of central HDB units. Long-term demographic pressures and continued population growth ensure sustained demand for central-location family accommodation, supporting resilience of mature estate properties. Prospective purchasers should monitor official HDB announcements regarding estate renewal initiatives in Redhill, as potential enhancement projects could positively influence surrounding property valuations whilst construction periods might temporarily affect immediate liveability.

What are the ongoing costs and financial obligations associated with ownership at 35 Jalan Rumah Tinggi?

Annual property tax on four-bedroom HDB units typically ranges from S$300-S$500 depending on property valuation, representing modest annual obligations compared with private property taxation. Monthly maintenance and conservancy charges (MCST) cover common area upkeep, lift maintenance, security, and landscape management, typically ranging from S$150-S$250 monthly depending on block size and age. Sinking fund contributions, sometimes referred to as replacement reserve funds, accumulate towards major works such as lift replacement or building facade restoration, typically representing S$50-S$100 monthly depending on development stage and anticipated capital works. Utility costs including electricity, water, gas, and refuse disposal operate independently of property ownership charges, varying based on household consumption patterns and occupancy levels. Property insurance, whilst not mandatory, represents prudent financial protection against fire and structural damage, typically costing S$150-S$300 annually. Prospective buyers should budget aggregate monthly housing costs including mortgage repayment, maintenance charges, utilities, and insurance to establish accurate long-term affordability assessments, ensuring that total housing expenses remain proportionate to household income and financial flexibility.

Hdb Flat At 35 Jalan Rumah Tinggi — From S$1M