Type

Units

Min Area

Price Range

Other

150 sqft

S$850/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$850.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$170 on this acquisition.
Located 8 min (660 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.

372 Clementi Avenue 4 – Established HDB Housing in Central West Singapore

372 Clementi Avenue 4 stands as a residential offering within the Clementi precinct, one of Singapore's well-established public housing neighbourhoods. Situated in the heart of West Singapore, this development represents the enduring appeal of HDB living in a mature estate characterised by stable community infrastructure and convenient access to essential services.

The property benefits from its proximity to EW23 Clementi MRT Station, located approximately eight minutes' walk away. This strategic positioning ensures occupants enjoy seamless connectivity to the East-West Line, providing direct access to central business districts, employment hubs, and educational institutions across the island. The walking distance to the station is manageable and typical for developments in this precinct, making it an attractive option for professionals, students, and families who rely on public transport for daily commuting.

Location and Connectivity

Clementi as a residential district has matured over decades into a self-contained community that combines accessibility with local character. The area is served by comprehensive HDB amenities, including hawker centres, neighbourhood shops, and recreational facilities integrated throughout the estate. Schools, medical centres, and administrative offices are distributed conveniently across the precinct, supporting the day-to-day needs of residents across all life stages.

The neighbourhood's accessibility extends beyond the MRT. Major roads such as Clementi Road and the outer ring expressway provide vehicular connectivity for those who commute by car or require flexible transport options. Shopping centres and dining establishments within the immediate vicinity ensure that residents need not venture far for leisure, dining, or retail activities.

Development Context and Housing Profile

As an HDB property, 372 Clementi Avenue 4 falls within Singapore's public housing framework, which continues to dominate the residential landscape across the island. HDB developments in established estates like Clementi offer a combination of affordability and stability that appeals to a broad demographic. The compact floor area typical of many HDB units encourages efficient living and appeals particularly to first-time buyers, young professionals, and downsizers seeking to simplify their housing footprint.

The development operates within the regulatory and quality standards governed by the Housing and Development Board, ensuring consistent construction standards, maintenance protocols, and community management practices. Residents benefit from HDB's long-standing experience in managing large residential communities, which translates into well-organised town councils, predictable maintenance schedules, and transparent service charges.

Investment and Rental Considerations

For investors evaluating the rental market, HDB properties in Clementi historically attract tenants seeking affordable, well-connected accommodation in a stable neighbourhood. The proximity to Clementi MRT Station makes units in this development particularly appealing to tenants working in the city centre or other MRT-accessible employment zones. The established nature of the estate also attracts longer-term tenants seeking familiar, safe communities rather than newer developments that may command premium rents.

Rental yields in mature HDB estates depend significantly on unit configuration, condition, and precise distance to major amenities. Properties within walking distance of transport nodes typically achieve more consistent rental demand than those requiring longer commutes. The Clementi precinct, having reached full maturity, presents a stabilised rental market where expectations are anchored to historical precedent rather than speculative growth.

Resale Value and Lease Considerations

HDB properties operate under lease structures defined at the point of sale or transfer. Most HDB resale flats are held under 99-year leaseheolds, though some older estates may feature different tenure arrangements. The lease duration substantially influences both immediate affordability and long-term resale value. Properties with longer remaining lease periods (typically those purchased or upgraded more recently) maintain stronger appeal to subsequent buyers and command better financing terms from financial institutions.

Lease decay—the diminishing value that occurs as the lease period shortens—is an important consideration for anyone acquiring an HDB property as a medium to long-term asset. Developments in established estates like Clementi have benefited from government renewal initiatives and upgrading programmes, which have helped maintain the appeal and structural integrity of blocks. However, prospective buyers and investors should review the remaining lease period and understand how it aligns with their intended holding period and exit strategy.

Buyer Profiles and Suitability

First-time buyers often gravitate towards HDB properties in established neighbourhoods like Clementi because they offer stability, predictable costs, and proximity to transport. The price points typical of Clementi HDB units remain more accessible than private residential properties, making them an entry point for many Singaporeans establishing their first independent household.

Upgraders seeking to move from smaller to larger units, or from one neighbourhood to another, frequently consider Clementi because of its balanced offering: central location without the premium pricing of prime residential districts. Families with children appreciate the mature infrastructure, established schools, and community facilities already embedded in the estate.

Downsizers—typically older residents seeking to reduce their housing footprint—find appeal in compact HDB units that require less maintenance and lower service charges compared to larger properties. Investors focused on steady rental yield rather than capital appreciation often prefer mature estates where rental demand is consistent and pricing reflects fair value rather than speculative premiums.

Financing and Affordability

HDB purchases typically qualify for subsidised housing loan schemes and enhanced Central Provident Fund (CPF) withdrawal eligibility, making them more affordable than equivalent private residential properties. The total debt servicing ratio (TDSR) framework, which limits borrowers' total monthly debt obligations to 55% of gross income, applies to all residential mortgages in Singapore. At typical price points for Clementi HDB units, TDSR headroom is generally favourable for employed residents with stable incomes, though individuals with existing debt obligations should calculate their position carefully.

For buyers holding existing residential properties, acquisition of an HDB resale unit may trigger Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% for Singapore Citizens purchasing a second residential property. This substantially increases the cash outlay required at completion and should be factored into purchase planning and financing arrangements well in advance.

Market Context and Competition

The Clementi precinct competes with other mature West-Side HDB estates such as Bukit Panjang, Bukit Batok, and Jurong for resident interest. These estates offer comparable or slightly lower pricing, though they may differ in terms of MRT connectivity, local amenities, and community character. The East-West Line's presence through Clementi positions it competitively against estates served by other transport lines, particularly for commuters bound for the city centre and eastern employment zones.

Newer private residential developments in the broader West region may appeal to buyers with higher budgets, but they command substantial price premiums and appeal primarily to affluent segments seeking luxury finishes and premium facilities. For value-conscious buyers prioritising stability and connectivity, HDB estates like Clementi remain the dominant choice across their target market.

Future Outlook and Infrastructure Development

West Singapore continues to benefit from government investment in transport, commercial, and recreational infrastructure. Plans for transport enhancement, including potential line extensions and station upgrades, may further improve the accessibility of neighbourhoods along the East-West Line corridor. Any such enhancements would likely reinforce the appeal and resale prospects of HDB properties positioned adjacent to MRT stations.

Long-term planning frameworks for the broader West region indicate continued focus on sustainable, mixed-use development that balances residential, commercial, and recreational activities. This augurs well for the stability of mature residential precincts like Clementi, which are unlikely to undergo dramatic changes that might destabilise property values or resident satisfaction.

Conclusion

372 Clementi Avenue 4 represents a housing option within a proven, established community backed by decades of HDB management expertise and community development. The proximity to Clementi MRT Station, combined with the mature estate's comprehensive amenities, positions the development as an accessible and practical choice for renters and owner-occupiers. Investors evaluating rental potential, upgraders seeking to relocate within a familiar price bracket, and first-time buyers entering the market will find the Clementi precinct offers transparency, stability, and value characteristic of Singapore's public housing programme.

Frequently Asked Questions

What rental yield might an investor expect from purchasing an HDB unit at 372 Clementi Avenue 4?

Rental yields at Clementi HDB developments typically range between 2.5% to 3.5% gross per annum, depending on unit size, condition, and exact positioning within the precinct. Units positioned very close to Clementi MRT Station command more consistent tenant demand and higher rental rates than those requiring longer walks to the station. Investment returns are stabilised rather than growth-oriented; the Clementi precinct is a mature estate where rental demand correlates closely with transport accessibility, local employment patterns, and the availability of competing rental stock. Investors should expect steady, predictable returns rather than speculative capital appreciation, and should factor in HDB service charges, property tax, and potential vacancy periods when calculating net yield.

How does the per-square-foot pricing at 372 Clementi Avenue 4 compare to recent HDB transactions in the surrounding area?

Clementi HDB units typically transact at price points between S$650 to S$850 per square foot in the current market, though recent transactions and exact comparables vary by block, floor level, and lease remaining. The precise psf rate depends on the unit's configuration, remaining lease duration, and whether it has undergone upgrading works. Properties within the Clementi precinct generally trade at a small premium to more peripheral West-Side HDB estates due to superior MRT connectivity and local amenity density, but at a discount to private residential properties or HDB units in more central districts. Prospective buyers should obtain recent transaction data from HDB's published resale price statistics and review block-specific trends before making an offer.

What is the Additional Buyer's Stamp Duty (ABSD) impact if I already own a property and purchase an HDB unit here?

Singapore Citizens purchasing a second residential property, including an HDB resale unit, are subject to Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price. For example, if acquiring a unit priced at S$400,000, the ABSD liability would be S$80,000 payable at completion. This duty applies in addition to standard Buyer's Stamp Duty (BSD) and is a significant cash cost that must be factored into overall purchase budgeting and financing. Many buyers finance the ABSD through additional mortgage borrowing, though this increases the total loan quantum and monthly servicing obligations. Exemptions or concessions may apply in specific circumstances (such as sale of an existing property concurrently), so buyers should consult a lawyer or property advisor regarding their personal circumstances before proceeding.

What lease decay risk should I consider, and how might remaining lease duration affect resale value?

Most HDB resale units at Clementi operate under 99-year leasehold tenure, with remaining lease periods typically ranging from 60 to 95 years depending on when the property was first purchased. As the lease shortens—particularly below 80 years remaining—resale value typically decelerates because financing institutions impose stricter lending criteria and some buyer segments become ineligible to purchase. Properties in the 70–80 year lease range experience noticeably slower appreciation and may face liquidity challenges during unfavourable market cycles. The HDB and government have implemented upgrading and selective en bloc schemes to mitigate lease decay in older estates, but these programmes do not guarantee protection for all blocks. Buyers should verify the exact remaining lease at the point of purchase and understand that a shorter lease reduces future buyer demand, limits refinancing options, and ultimately constrains long-term capital value. This is particularly important for investors with long holding horizons.

How does proximity to Clementi MRT Station influence demand and long-term capital appreciation?

Proximity to EW23 Clementi MRT Station is a primary driver of demand and pricing across the entire Clementi HDB precinct. Units within a five-minute walk of the station command measurably higher rents and resale prices than comparable units requiring ten-minute walks, because commuters consistently prioritise transport accessibility. The East-West Line's role as a major commuter corridor connecting the West region to the central business district ensures sustained demand throughout economic cycles. Government plans to enhance transport infrastructure (including potential future line extensions or station upgrades) typically reinforce the appeal of properties positioned near existing MRT nodes. Capital appreciation in Clementi has historically tracked transport connectivity improvements and broader West region development; properties with superior station proximity show more resilient value retention than those on the estate perimeter. For investors or owner-occupiers with medium to long-term horizons, the MRT proximity is one of the highest-confidence factors supporting sustained demand and value stability.

Which buyer profiles—first-time buyers, upgraders, investors, downsizers—are best suited to 372 Clementi Avenue 4?

First-time buyers benefit from the stability, affordability, and transport accessibility that Clementi HDB units offer; the neighbourhood is perceived as established and safe, and the price points typically require more modest deposits than private residential alternatives. Upgraders moving from smaller to larger units, or from more peripheral estates to better-connected neighbourhoods, frequently target Clementi because the pricing sits between entry-level and premium districts, offering good value for the connectivity gained. Investors seeking stable, predictable rental income (rather than rapid capital gains) find the Clementi precinct attractive because tenant demand is consistent, rental rates are anchored to established market benchmarks, and the mature estate presents minimal uncertainty. Downsizers—typically older residents or retirees—appreciate the compact unit sizes, lower service charges, and full integration into an established community with healthcare, retail, and leisure facilities already mature. Affluent buyers seeking luxury finishes or prestige typically gravitate to private residential developments instead. Overall, Clementi HDB suits practical, value-conscious buyers across multiple life stages rather than aspirational purchasers seeking status-symbol properties.

What TDSR headroom should I expect at typical Clementi HDB price points, and how does ABSD affect financing?

Total debt servicing ratio (TDSR) regulations cap total monthly debt obligations (mortgages, car loans, credit card repayments, etc.) at 55% of gross monthly income. At typical Clementi HDB unit prices ranging from S$300,000 to S$500,000, monthly mortgage servicing generally falls between S$1,200 and S$2,500 depending on loan tenure and interest rates. A buyer with gross monthly income of S$5,000 to S$6,000 would typically satisfy TDSR requirements, though existing debts must be factored in. When ABSD applies (20% for second property buyers), the additional cash outlay increases financing requirements and may reduce TDSR headroom available for other borrowing. For example, a S$400,000 purchase triggers S$80,000 ABSD; if borrowing this amount adds S$400 to monthly servicing, the TDSR impact is material. Buyers should model their complete financial position—including existing debts, CPF contributions, and all potential sources of borrowing—before committing to purchase. Financial institutions can provide detailed serviceability assessments based on individual circumstances.

How do competing HDB estates in West Singapore (Bukit Panjang, Bukit Batok, Jurong) compare in pricing and appeal?

Nearby West-Side HDB estates including Bukit Panjang, Bukit Batok, and Jurong typically offer comparable or marginally lower pricing per square foot than Clementi, reflecting their slightly more peripheral locations relative to major business districts. However, each estate carries distinct advantages: Bukit Panjang benefits from the newer NS Line extension and a vibrant suburban character; Bukit Batok offers good Jurong connectivity; Jurong itself is positioned near significant commercial and industrial zones that generate localised employment and rental demand. Clementi's key differentiator is the established, fully mature character of the precinct combined with direct East-West Line access to the city centre—features valued highly by commuters and family-oriented residents. Price differences between these estates tend to narrow during strong market cycles and widen during downturns, reflecting varying investor risk appetites. A buyer comparing options across this broader region should consider not only headline pricing but also personal commuting patterns, local amenity preferences, and long-term capital appreciation trajectory. Clementi appeals most to those prioritising stable, central-West connectivity; other estates may offer better value for those with non-city commutes or those valuing suburban character over accessibility.

Are there particular unit stacks, floor levels, or building blocks within the development that offer better value?

HDB developments like those at Clementi typically see higher pricing on mid-to-upper floor levels (5th to 15th storeys) due to better light, ventilation, and reduced noise exposure compared to ground or low-rise floors. However, ground-floor or low-rise units occasionally offer value opportunities for buyers who prioritise accessibility over views, particularly for elderly residents or families with young children. Corner units and units with better natural light typically command small premiums; interior units may offer marginally lower pricing. Building blocks closer to Clementi MRT Station command consistent premiums over those on the estate perimeter, and this gap often exceeds floor-level effects in magnitude. Properties that have undergone HDB upgrading works typically show faster appreciation than non-upgraded blocks, as renewed infrastructure and amenities attract broader buyer interest. The best value often lies in mid-floor, non-corner interior units within blocks positioned acceptably (though not immediately) adjacent to the MRT, as these satisfy most buyers' requirements whilst avoiding the premium paid for optimal positioning. Market conditions and individual preferences vary considerably, so buyers should inspect multiple options across different blocks and levels before committing.

What future supply and infrastructure pipeline for West Singapore might affect the desirability of Clementi HDB units?

The broader West region continues to benefit from government investment in transport, commercial development, and community infrastructure. Discussions regarding potential future MRT line extensions, station upgrades, and enhanced connectivity are ongoing, and any such improvements would likely reinforce the appeal of properties positioned near Clementi MRT Station. New private residential and mixed-use developments in the West region (such as those at Queenstown, Jurong Lake, and along the Jurong corridor) have attracted high-value investment, typically supporting (rather than displacing) demand for more affordable HDB alternatives. Government planning frameworks emphasise sustainable, polycentric development, meaning West Singapore is expected to retain and strengthen its role as a secondary regional hub rather than being eclipsed by central or eastern growth. The HDB estate at Clementi itself is unlikely to experience disruptive change; as a mature, fully developed residential precinct, new supply additions are minimal, and the estate benefits from selective upgrading that maintains its competitiveness. For investors with medium to long-term horizons, the combination of stable existing demand and limited new competing supply in the immediate precinct supports favourable value retention. Buyers seeking growth exposure should monitor regional infrastructure announcements, but should not expect dramatic changes to the Clementi estate itself.

Hdb Flat At 372 Clementi Avenue 4 — From S$850