Type

Units

Min Area

Price Range

3 BR

91 sqft

S$4,000/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$4,000.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$800 on this acquisition.
Located 7 min (610 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.

381 Clementi Avenue 5: A Mature HDB Development in West Singapore

381 Clementi Avenue 5 represents one of Singapore's established public housing developments, located in the Clementi precinct of West Singapore. The development benefits from its positioning within a mature residential neighbourhood that has evolved into a thriving community over several decades. Clementi itself is recognised for its blend of residential character, commercial convenience, and accessibility to key employment nodes across the island.

The property sits within easy reach of Clementi MRT Station on the East-West Line (EW23), positioned approximately 610 metres or roughly a seven-minute walk away. This proximity to rapid transit infrastructure is a defining feature of the development, enabling residents to access the city centre, business districts, and interchange stations with minimal friction. The East-West Line's strategic routing means residents can reach major employment corridors in the central business district, Marina Bay, and along the eastern coast efficiently during peak and off-peak periods.

Location and Neighbourhood Context

Clementi has developed into one of Singapore's most sought-after residential zones, particularly among families and working professionals. The area surrounding 381 Clementi Avenue 5 is characterised by multiple generations of HDB blocks interspersed with private residential enclaves, creating a diverse and dynamic neighbourhood fabric. The presence of established shopping malls, including The Clementi Mall and Clementi Shopping Centre, provides residents with retail and dining options without requiring travel beyond the immediate vicinity.

Educational facilities within the Clementi area include primary and secondary schools serving a wide demographic profile. For families with school-age children, the concentration of established educational institutions within or adjacent to the estate is a significant draw. Healthcare services, including polyclinics and private medical centres, are readily accessible, supporting the long-term lifestyle requirements of residents at various life stages.

The hawker and dining landscape in Clementi reflects the neighbourhood's maturity and multicultural character. Several well-regarded hawker centres operate within walking distance of the development, offering affordable dining options and supporting the daily routines of residents. This infrastructure has made Clementi a popular choice for cost-conscious buyers and renters seeking convenient access to everyday amenities.

Unit Configurations and Suitability

381 Clementi Avenue 5 encompasses multiple unit types across its blocks, with configurations ranging from three-bedroom to larger family units. The availability of various bedroom counts means the development appeals to different buyer cohorts: first-time buyers seeking entry into the Clementi market, upgraders transitioning from smaller units to family-sized accommodation, and investors evaluating rental yield potential across different unit categories.

Three-bedroom units and above tend to command stronger rental demand in this estate, particularly from expatriate families and long-term renters seeking affordable yet well-located housing. The layout and condition of individual units vary depending on their position, floor level, and renovation status, factors which influence both purchase consideration and investment potential. Prospective buyers are encouraged to conduct thorough site inspections and comparative analysis across available stacks and levels.

Investment Considerations and Rental Demand

For investors evaluating 381 Clementi Avenue 5, the development's maturity, established rental market, and proximity to a major MRT station are compelling factors. Clementi has consistently shown resilience in rental demand, supported by its proximity to employment nodes, educational institutions, and transport infrastructure. Units at this development have historically attracted tenants from diverse backgrounds, including expatriates on assignment, young families, and downsizers seeking convenient, well-serviced accommodation.

Rental yields across HDB developments in Clementi vary based on unit type, floor level, and broader market conditions. Investors should evaluate yield projections conservatively, accounting for annual maintenance costs, property tax, and potential vacancy periods. The strength of Clementi's rental market relative to competing precincts in West Singapore has made it a stable proposition for income-focused buyers, though individual unit selection and market timing remain critical success factors.

Transport Connectivity and Long-Term Value

The proximity of 381 Clementi Avenue 5 to Clementi MRT Station underpins its long-term value proposition. The East-West Line's established role as a critical transport corridor means continued high utilisation and maintenance of service standards. For owner-occupiers, the convenience of MRT access reduces reliance on private transport, supporting cost-effective commuting to workplaces across Singapore. For investors, the MRT proximity strengthens tenant appeal, particularly among renters who prioritise transport connectivity and lower vehicle ownership costs.

Future transport infrastructure developments affecting Clementi, such as potential station enhancements or line extensions, could further reinforce the development's location premium. Buyers and investors should remain informed of broader transport policy developments that may enhance or affect the neighbourhood's positioning within Singapore's transport network.

Lease Tenure and Long-Term Ownership

HDB units at 381 Clementi Avenue 5 are offered under the standard HDB tenure structure. Prospective buyers should familiarise themselves with HDB eligibility criteria, including citizenship requirements, income ceilings, and existing property ownership restrictions. Understanding the lease framework and any implications for resale eligibility and financing options is essential before committing to purchase.

The development's maturity means that lease remaining is an important consideration for buyers. Units in this estate, depending on their original construction date, may have varying lease lengths remaining. This factor influences financing options, resale eligibility at future points in time, and the property's residual value trajectory. Prudent buyers should engage financial and legal advisors to assess lease duration implications relative to their ownership horizon.

Market Positioning and Comparable Analysis

Within the West Singapore HDB market, 381 Clementi Avenue 5 occupies a competitive position alongside nearby developments in Clementi and adjacent planning areas. Price points across the Clementi estate reflect variations in unit type, floor level, age, and renovation status. Comparative analysis with similar configurations across competing blocks and nearby estates can help buyers and investors establish realistic valuation benchmarks.

The development's established status, MRT proximity, and neighbourhood maturity differentiate it from emerging HDB precincts in outer zones. Buyers seeking to optimise value within a known, infrastructure-rich environment often find developments like 381 Clementi Avenue 5 attractive relative to newer but less accessible alternatives in expanding areas.

Conclusion

381 Clementi Avenue 5 represents a stable, mature HDB development in one of Singapore's most established residential neighbourhoods. Its proximity to rapid transit, established amenity infrastructure, and proven rental market make it an attractive proposition for owner-occupiers, upgraders, and investors alike. Prospective buyers should conduct thorough due diligence, including site inspections, comparative analysis, and professional financial and legal advice, to ensure alignment with their ownership objectives and long-term financial planning.

Frequently Asked Questions

What rental yield can an investor realistically expect from a unit at 381 Clementi Avenue 5?

Rental yields at 381 Clementi Avenue 5 typically range between 3% to 4.5% gross annually, depending on unit type, floor level, and market conditions. Three-bedroom units generally command stronger rental premiums than smaller configurations, as they attract expatriate families and long-term renters seeking affordable yet well-located family accommodation. Investors should model yields conservatively by accounting for HDB maintenance costs (usually S$20 to S$40 monthly per unit), annual property tax assessments, and potential vacancy periods. The development's established status and proximity to Clementi MRT Station (EW23) support consistent rental demand, though actual yield outcomes depend on individual unit selection, purchase timing, and broader economic cycles affecting Singapore's rental market.

How do recent price-per-square-foot transactions at 381 Clementi Avenue 5 compare to other Clementi HDB developments?

Historical PSF pricing for similar units across the Clementi estate has ranged from approximately S$550 to S$750 PSF, depending on unit type, floor level, and renovation status. Three-bedroom units at 381 Clementi Avenue 5 typically transact at the higher end of this range, particularly for units with modern renovations and desirable stack positions. Comparative analysis with recent transactions in adjacent HDB blocks (such as 383, 385 Clementi Avenue 5, or developments on Clementi Road) provides essential benchmarking data. Buyers should engage local market specialists to review recent comparable sales within the past 3 to 6 months, as PSF dynamics shift based on seasonal demand, broader HDB price trends, and individual unit condition variations.

What is the Additional Buyer's Stamp Duty (ABSD) impact if I purchase at 381 Clementi Avenue 5 as a second residential property?

Singapore Citizens purchasing a second residential property, including HDB units at 381 Clementi Avenue 5, are subject to Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price. This means that on a hypothetical purchase of S$450,000, the ABSD would amount to S$90,000, payable at the point of legal completion alongside standard Buyer's Stamp Duty (BSD) and other transaction costs. For investors or upgraders acquiring this as a second property, ABSD materially increases the total acquisition cost and must be factored into financing requirements and investment return calculations. First-time HDB buyers are exempt from ABSD; however, those with prior property ownership (including private residential, landed, or commercial property) will trigger ABSD liability. Professional tax and financial advisory is essential to model the full cost-of-acquisition impact before committing to purchase.

What is the lease decay risk, and how does remaining lease duration affect 381 Clementi Avenue 5's resale value?

HDB units at 381 Clementi Avenue 5 operate under the standard HDB lease framework, with varying lease remaining depending on their original construction date and the point of current ownership. As lease remaining declines below 85 years, HDB resale value typically contracts at an accelerating rate, as financing options narrow and buyer pools shrink. Units with less than 60 years remaining lease face material resale challenges and may struggle to attract financing from conservative lenders. Prospective buyers should obtain precise lease information from HDB records and model the property's value trajectory across their intended holding period. For those with a 20 to 30-year ownership horizon, current lease remaining should exceed 90 years to provide reasonable confidence in future resale value retention. Investors and upgraders must engage HDB and financial advisors to assess lease-decay implications and determine suitability relative to personal ownership timelines.

How does proximity to Clementi MRT Station (EW23) affect long-term demand and capital appreciation at this development?

The 610-metre distance from Clementi MRT Station (EW23) is a significant value driver for 381 Clementi Avenue 5, positioning the development within the highly desirable 'MRT-adjacent' category that attracts sustained rental and purchase demand. The East-West Line serves as a critical transport artery connecting West Singapore to the central business district, Marina Bay, and eastern precincts, ensuring consistently high ridership and service prioritisation. This transport connectivity has historically supported steady capital appreciation and resilient rental demand, as tenant and buyer cohorts prioritise MRT accessibility for commuting efficiency and cost-effectiveness. Future potential enhancements to Clementi Station or the East-West Line may further reinforce the development's location premium. Developments positioned beyond 1 kilometre from MRT stations typically experience weaker capital appreciation and lower rental demand; 381 Clementi Avenue 5's proximity therefore provides a meaningful competitive advantage relative to outer-zone alternatives.

Which buyer profiles—HNW, upgraders, first-timers, investors—find 381 Clementi Avenue 5 most suitable?

381 Clementi Avenue 5 appeals most strongly to upgraders transitioning from smaller units to three-bedroom family accommodation and to investor-owner profiles seeking stable rental yield in an established neighbourhood. First-time HDB buyers find the development attractive if their household income and savings profile align with purchase requirements and they prioritise MRT accessibility and mature amenities. High-net-worth individuals typically gravitate toward private residential developments or landed property; however, some portfolio-diversified buyers may acquire HDB units here as yield-generating rental assets. Expatriate and foreign investors cannot purchase HDB units, which narrows the investor pool to Singapore Citizens and Permanent Residents meeting HDB eligibility criteria. Owner-occupiers across diverse life stages—young professionals, growing families, and downsizers—find the established Clementi neighbourhood, convenience infrastructure, and transport access compelling. Unit selection within the development (floor level, stack position, facing direction) varies in appeal across these buyer profiles, necessitating individualised assessment.

What TDSR (Total Debt Servicing Ratio) and financing headroom should I model for a typical unit purchase at 381 Clementi Avenue 5?

Mortgage financing for HDB units at 381 Clementi Avenue 5 is typically available at Loan-to-Value (LTV) ratios of 80% to 90% for eligible HDB buyers, depending on individual lender policies and borrower age at loan maturity. The Total Debt Servicing Ratio (TDSR) regulatory limit is 60%, meaning monthly debt servicing (mortgage, car loans, credit facilities, and other obligations) cannot exceed 60% of gross monthly household income. On a hypothetical S$450,000 purchase with 85% LTV financing, the monthly mortgage payment (at approximately 2.8% interest over 30 years) would approximate S$1,500 to S$1,700. Buyers with combined household income of S$3,500 monthly would consume approximately 43% to 49% of TDSR capacity via the mortgage alone, leaving limited headroom for other obligations. First-time HDB buyers should engage lenders early to obtain pre-approval estimates and model TDSR compatibility based on realistic household income profiles. Professional mortgage advisory ensures that purchase price, financing quantum, and repayment term align with regulatory requirements and personal cash-flow capacity.

How does 381 Clementi Avenue 5 compare to nearby competing HDB developments in Clementi and West Singapore?

381 Clementi Avenue 5 competes directly with adjacent blocks (383, 385 Clementi Avenue 5) and with broader Clementi estate offerings, as well as HDB developments in nearby planning areas such as Bukit Batok, Jurong East, and Queenstown. Comparative strengths include its central Clementi location, MRT proximity, and established community infrastructure; competing developments may offer newer construction, renovated common areas, or positioning within emerging precincts. Price-per-square-foot comparisons reveal that 381 Clementi Avenue 5 typically trades at a modest premium to outer-zone alternatives, reflecting transport connectivity and neighbourhood maturity. Buyers should conduct comparative site visits across competing blocks and evaluate trade-offs between establishment and convenience (favouring Clementi) versus potentially lower acquisition cost and newer facilities (in outer precincts). Professional property agents and market analysts can provide detailed comparable-property analysis, identifying which specific competing developments offer superior value propositions relative to individual buyer priorities.

Are certain floor levels or unit stacks at 381 Clementi Avenue 5 better positioned for value and resale demand?

Mid-level units (floors 4 to 15) at 381 Clementi Avenue 5 typically command optimal value balance between desirability and pricing, offering escape from ground-floor humidity and noise whilst avoiding the premium pricing of higher floors. Higher floor units (16+) attract buyer preference for views, privacy, and reduced street noise, commanding price premiums of 5% to 10% relative to mid-levels; however, this premium may not fully justify the additional acquisition cost from a yield-per-dollar perspective. Ground and lower-floor units face marginal resale demand and weaker rental appeal due to perceived security, humidity, and noise concerns, often trading at discounts of 5% to 8%. Stack position (distance from lift lobbies and common thoroughfares) also influences livability and, consequently, resale velocity. Corner units and those with better natural ventilation generally command rental and sale premiums. Prospective buyers should prioritise middle-range floors in well-serviced stacks as a balanced approach to maximising value, future resale optionality, and long-term livability. Individual inspection of available units is essential, as condition and renovation status ultimately dominate floor-level and stack positioning in buyer decision-making.

What is the future supply pipeline for HDB developments in Clementi and adjacent West Singapore areas, and how might it affect 381 Clementi Avenue 5's value?

Clementi is an established, mature HDB estate with limited new construction potential, as available land has been comprehensively developed. Future HDB supply growth in West Singapore is concentrated in emerging planning areas (such as Tengah and expansions in Bukit Batok and Jurong regions) rather than within Clementi's defined boundaries. This supply constraint is moderately supportive of long-term value retention at 381 Clementi Avenue 5, as the scarcity of new Clementi-area units sustains relative demand from buyers and renters prioritising the established neighbourhood and MRT access. However, new supply in adjacent precincts may divert some price-sensitive buyer and tenant cohorts toward newer units with lower acquisition costs and contemporary facilities. The HDB's Build-to-Order (BTO) programme typically releases new supply in emerging towns, not in mature estates, meaning competition from new HDB stock is geographically isolated. Longer-term strategic considerations, such as potential urban renewal initiatives or estate rejuvenation programmes affecting Clementi, should be monitored through HDB policy announcements and Urban Redevelopment Authority (URA) master planning. On balance, Clementi's supply constraints and transport centrality support modest to moderate long-term value stability, though absolute capital appreciation may lag outer-zone developments offering newer construction and larger unit footprints.

Hdb Flat At 381 Clementi Avenue 5 — From S$4,000