Type

Units

Min Area

Price Range

2 BR

725 sqft

S$444K

Type

Units

Min Area

Price Range

3 BR

721 sqft

S$4,100/mo

Property Highlights

HDB development with 3 units currently available.
Prices currently range from S$4,100 to S$444K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$820 on this acquisition.
33% of current units are for sale, from S$444K; 67% are for rent, from S$4,100/mo.
Located 7 min (580 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.

427 Clementi Avenue 3: HDB Housing in a Mature, Connected Estate

427 Clementi Avenue 3 represents a well-established HDB development in one of Singapore's most established residential precincts. Situated in the Clementi neighbourhood, this housing block offers residents the convenience of mature estate living combined with excellent public transport connectivity. The development's location on Clementi Avenue places it within a seven-minute walk to Clementi MRT Station on the East West Line, a positioning that has historically supported both residential demand and investment appeal in the area.

Clementi has evolved into a comprehensive residential neighbourhood over several decades, with infrastructure, education facilities, and retail amenities deeply embedded into the community fabric. Properties at 427 Clementi Avenue 3 benefit from this maturity, as the estate continues to serve multiple generations of Singaporean households. The availability of multi-bedroom units across the development caters to families seeking upgrade opportunities, first-time buyers exploring resale flats, and investors evaluating rental yield potential in a stable, transport-connected area.

Location and Transport Connectivity

The proximity to Clementi MRT Station (EW23) remains a defining feature of this development. Located approximately 580 metres away, the station provides seamless access to the East West Line, enabling residents to reach Jurong, the CBD, and eastern regions of the island with minimal commute friction. This transport advantage has historically made Clementi a preferred address for working professionals, families balancing school runs with office locations across Singapore, and investors seeking properties with strong tenant demand fundamentals.

Beyond the MRT connection, the neighbourhood supports a comprehensive network of bus routes, ensuring multi-modal transport flexibility. The proximity to major roads including Clementi Avenue and the broader Clementi Road corridor facilitates vehicular access for residents with private transport, whilst maintaining the walkability appeal that attracts car-lite households.

Estate Amenities and Community Infrastructure

Clementi as a residential precinct has developed substantial amenity clusters over time. Within and around the estate, residents access neighbourhood commercial centres, hawker markets, supermarkets, and retail establishments that support daily living needs without requiring extended travel. The maturity of the estate means these facilities are well-established rather than speculative, reducing uncertainty around future amenity development that often affects newer housing projects.

Educational institutions in the vicinity include primary and secondary schools serving the neighbourhood, making the area particularly attractive to families with children in the school-age bracket. The combination of transport, education, and retail infrastructure positions properties at 427 Clementi Avenue 3 as practical choices for household upgrading and long-term residential occupation.

Unit Configurations and Space Utilisation

The development offers multiple bedroom configurations, accommodating diverse household compositions and spatial preferences. Multi-bedroom units provide adequate floor area for modern family living, whilst the HDB layout philosophy ensures efficient utilisation of built space. Units in this development typically range across the standard HDB bedroom spectrum, with floor areas reflecting mature estate building standards. This variety ensures that both first-time and upgrading buyers can identify configurations matching their household needs and budget parameters.

Investment and Rental Yield Considerations

For investors evaluating 427 Clementi Avenue 3, rental demand in Clementi remains underpinned by the MRT connectivity and neighbourhood maturity. The estate attracts tenants from diverse backgrounds—young professionals seeking affordable accommodation within commute distance of employment nodes, families requiring larger units in established neighbourhoods, and international relocating professionals valuing the precinct's residential stability. Rental yields reflect the interplay between capital values and achievable monthly rents, with Clementi historically maintaining competitive rental spreads relative to more central or newly launched developments.

The predictability of tenant demand in mature estates like Clementi, combined with the transport advantage of MRT proximity, supports investment thesis for buy-to-let acquirers. However, prospective investor-purchasers should conduct transaction analysis across recent comparable rentals and capital values to establish realistic yield expectations specific to their target unit specifications.

Resale Market Dynamics and Capital Stability

Clementi's resale market demonstrates historical depth and liquidity, reflecting the estate's longevity and broad appeal across buyer cohorts. Properties at 427 Clementi Avenue 3 participate in this established resale ecosystem, where transaction frequency and price transparency support both buyer confidence and vendor expectations. The maturity of the neighbourhood, combined with maintained transport infrastructure and stable amenities, underpins capital stability for long-hold residents and provides exit confidence for investors evaluating portfolio liquidity.

The lease tenure of HDB properties at 427 Clementi Avenue 3 remains a structural element influencing resale values over extended holding periods. As leasehold properties decline in remaining lease duration, valuation impacts become material considerations for buyers planning multi-decade occupancy or eventual resale. Current and prospective owners should factor lease decay trajectories into long-term financial planning, particularly given the importance of remaining lease duration in HDB resale pricing conventions.

Buyer Profiles and Suitability Assessment

The development appeals across multiple buyer categories. First-time buyers benefit from Clementi's established neighbourhood character, affordable entry points relative to private housing, and transport convenience supporting dual-income household commute patterns. Upgraders moving from older estates or smaller units find multi-bedroom configurations accommodating growing families or occupancy preference shifts. Investors prioritise the MRT connectivity, rental demand stability, and transparent resale market that characterise mature HDB precincts. Each profile derives distinct value propositions from the location and infrastructure characteristics of 427 Clementi Avenue 3.

Future Considerations and Estate Evolution

Clementi's ongoing evolution reflects broader urban renewal and estate maintenance cycles managed by HDB across its portfolio. Prospective purchasers should remain attentive to any announced infrastructure upgrades, neighbourhood plans, or precinct-level improvements that may influence both amenity quality and long-term capital trajectories. The maturity of the estate suggests incremental evolution rather than transformative change, providing stability for long-term residents whilst remaining responsive to demographic and community shifts across generational cycles.

Frequently Asked Questions

What is the estimated rental yield for a typical unit at 427 Clementi Avenue 3?

Rental yield at 427 Clementi Avenue 3 varies depending on unit configuration, floor level, and exact market conditions at the time of purchase. Historical data suggests that multi-bedroom HDB units in Clementi, benefiting from MRT proximity and neighbourhood maturity, have achieved gross rental yields ranging from 3% to 5% annually, reflecting the balance between achievable monthly rents and current capital values. Prospective investor-purchasers should conduct transaction-level analysis by examining comparable rental advertisements and recent resale prices within the immediate precinct to establish realistic yield expectations. Yield outcomes depend significantly on acquisition price negotiation, unit condition, and tenant demand cycles, meaning individual investment outcomes may vary materially from neighbourhood averages.

How does the price per square foot at 427 Clementi Avenue 3 compare to recent HDB transactions in Clementi?

Pricing at 427 Clementi Avenue 3 reflects current market conditions in the Clementi HDB resale segment, where per-square-foot valuations have historically ranged based on unit age, configuration, floor level, and lease decay stage. Clementi's mature estate status and MRT connectivity typically support price-per-square-foot figures that remain competitive relative to newer or non-MRT-connected estates, though values naturally compress relative to central or private housing precincts. Buyers and investors should review recent comparative sales data from HDB transaction records covering the past 12 months within Clementi Avenue and adjacent blocks to establish precise pricing context relative to this development. Unit-specific factors such as remaining lease duration, facing direction, and floor level create meaningful variance around any neighbourhood average price-per-square-foot benchmark.

What is the Additional Buyer's Stamp Duty (ABSD) impact for a second-property purchase at this development?

A Singapore Citizen purchasing a second residential property at 427 Clementi Avenue 3 faces a current Additional Buyer's Stamp Duty rate of 20%, calculated on the purchase price. This duty is levied on top of the standard Buyer's Stamp Duty and is payable at the point of legal completion. For example, on a S$450,000 purchase price, ABSD would equate to S$90,000, representing a material cost element in the acquisition budget and affecting overall return-on-investment calculations for investor-purchasers. Second-property buyers should incorporate this 20% ABSD liability into their financing arrangements and total capital requirement planning. Certain exemptions exist for specific buyer categories and circumstances; prospective purchasers should confirm their eligibility status with a conveyancing solicitor prior to committing to acquisition.

How does lease decay affect resale value and financing headroom at 427 Clementi Avenue 3?

HDB leasehold properties at 427 Clementi Avenue 3 experience lease decay as the remaining lease duration shortens over time, a factor that directly influences both resale valuations and mortgage lending parameters. Singapore's banking institutions typically impose stricter loan-to-value ratios as remaining lease falls below thresholds such as 75 years or 60 years, meaning buyers of lease-reduced units may encounter reduced financing availability or higher interest rate premiums. Current owners and prospective purchasers should verify the exact remaining lease duration and understand the projected lease decay trajectory across their intended holding period, as this directly impacts future refinancing, resale velocity, and capital outcomes. For long-term occupants planning to occupy through to the end of lease life, lease decay represents less critical consideration; for investors or mid-hold sellers, lease trajectory materially influences exit timing and achievable sale prices.

How does proximity to Clementi MRT Station influence demand and capital appreciation potential?

The location within a seven-minute walk to Clementi MRT Station (EW23) on the East West Line represents a material demand driver and capital stability factor for 427 Clementi Avenue 3. MRT connectivity directly correlates with tenant demand in the HDB rental market, as renters prioritise transport-proximate properties to minimise commute time and costs. From a capital appreciation perspective, properties in MRT-connected estates have historically demonstrated greater price resilience during market corrections and stronger appreciation during positive cycles, relative to non-MRT-connected neighbourhoods. The East West Line's strategic routing connecting Jurong, the CBD, and eastern employment clusters means that Clementi MRT station serves commuters across multiple major job centres, sustaining consistent transport-driven demand. Prospective purchasers and investors should recognise that the MRT proximity advantage provides both immediate tenant appeal and longer-term capital stability fundamentals supporting acquisition decisions.

Is 427 Clementi Avenue 3 suitable for first-time buyers, upgraders, and investors equally?

All three buyer profiles derive value from 427 Clementi Avenue 3, though the priority value drivers differ across each category. First-time buyers benefit from affordable entry pricing, established neighbourhood amenities, mature community infrastructure, and transport connectivity that reduce housing-related commute costs and time. Upgraders moving from smaller units or older estates find multi-bedroom configurations satisfying growing household needs whilst maintaining accessible pricing within HDB parameters. Investors prioritise the rental yield stability, predictable tenant demand, transparent resale market depth, and MRT transport advantage—factors that collectively support investment case fundamentals. The development's location in a mature, well-connected precinct makes it an appropriate acquisition across all three buyer cohorts, though individual investment returns and occupancy satisfaction depend on specific acquisition price negotiation, unit selection, and personal circumstances rather than development-level characteristics alone.

What are the TDSR and financing headroom implications at typical price points for this development?

Total Debt Servicing Ratio (TDSR) constraints remain an important financing consideration for purchasers at 427 Clementi Avenue 3, particularly for households with existing debt obligations or multiple income earners whose combined servicing capacity is capped at 60% of gross monthly income. A typical multi-bedroom unit at current market conditions would require mortgage servicing monthly commitments that, combined with any existing personal loans, car financing, or credit card obligations, must fall within the TDSR ceiling. Prospective buyers should conduct detailed mortgage servicing stress-testing with their lending institution prior to offer submission, as TDSR rejection represents a material acquisition risk if financing capacity has been optimistically assessed. For investor-purchasers utilising rental income as part of the qualification computation, lending banks typically apply conservative imputation factors (often 50–70% of reported rent) that reduce financing headroom relative to occupier-buyer scenarios. First-time buyers and upgraders should confirm their precise financing qualification through pre-approval processes before committing to property search or offer timelines.

How do nearby competing HDB developments compare in terms of price, amenities, and transport?

Clementi hosts multiple HDB blocks spanning different ages and configurations, creating natural intra-neighbourhood pricing variation based on unit-level factors and block-specific characteristics. Competing blocks in immediate Clementi vicinity maintain comparable MRT connectivity to Clementi Station, though some blocks further from the station command lower price points reflecting the transport distance trade-off. Amenity provision across Clementi blocks is broadly similar, as the neighbourhood commercial infrastructure serves the entire estate precinct rather than individual blocks. Prospective buyers evaluating 427 Clementi Avenue 3 against competing Clementi blocks should focus on unit-specific factors such as facing direction, floor level, renovations, and remaining lease duration rather than development-level differentiation, as neighbourhood-level infrastructure is shared across the precinct. Comparison shopping across comparable units in nearby blocks—particularly within the same avenue or adjacent blocks—provides the most useful price reference point for valuation accuracy and negotiation positioning.

Which unit stacks or floor levels offer the best value proposition at this development?

Value optimisation at 427 Clementi Avenue 3 reflects the interplay between buyer preferences, pricing differentials, and personal occupancy priorities rather than single universally optimal floor configuration. Lower-floor units typically trade at modest premiums to ground-floor positioning due to reduced hawker odour and delivery noise exposure, whilst mid-to-upper levels command pricing premiums reflecting enhanced natural lighting, reduced ambient noise, and improved view prospects. From a pure investment yield perspective, mid-level units (floors 6–12, typically) often balance occupancy appeal with modest pricing discounts relative to premium high-floor units, potentially improving gross rental yield calculations. Ground-floor units may offer value for elderly or mobility-impaired occupants prioritising lift-free access, though resale market pricing tends to compress these units relative to mid-floor comparables. Prospective purchasers should evaluate unit-stack preferences against their specific occupancy needs, investment timeline, and exit strategy rather than assuming any single floor level universally outperforms across all buyer circumstances.

What future supply pipeline and urban renewal initiatives might affect the Clementi precinct and property values?

Clementi's mature estate status means that major urban renewal or new housing supply development cycles are managed through HDB's portfolio-level modernisation programmes rather than speculative new project launches that might dramatically alter neighbourhood character. Prospective purchasers should remain attentive to any announced HDB upgrades, precinct-level improvements, or infrastructure enhancements that may influence future amenity quality and property value trajectories within Clementi. The East West Line infrastructure remains a stable, mature transport asset unlikely to face major capacity or routing changes, providing confidence that current MRT connectivity advantages will persist long-term. Neighbouring precincts such as Bukit Batok and Bukit Merah feature various development activity and renewal initiatives, and buyers should monitor district-level planning announcements to understand any competitive dynamics that might influence Clementi's future demand positioning. For long-term residents, the stability of a mature precinct without major disruptive supply influx or infrastructure overhauls represents a value advantage; for shorter-hold investors, understanding any planned amenity improvements or precinct initiatives supports capital appreciation expectations and exit timing strategies.

Hdb Flat At 427 Clementi Avenue 3 — From S$4,100