Type

Units

Min Area

Price Range

Other

120 sqft

S$800/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$800.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$160 on this acquisition.
Located 9 min (740 m) from NE14 Hougang 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.

513 Hougang Avenue 10: A Mature HDB Development in the Heart of Hougang

Located at 513 Hougang Avenue 10, this established HDB flat development sits within one of Singapore's most vibrant residential corridors. The project occupies a strategic position in Hougang, a district renowned for its blend of mature infrastructure, family-oriented amenities, and robust transport networks that have evolved over decades. Hougang has consistently attracted owner-occupiers, upgraders, and investors seeking stability within an established community where property values have demonstrated resilience across multiple market cycles.

The development benefits from its proximity to NE14 Hougang MRT Station, situated approximately nine minutes' walk away at a distance of 740 metres. This accessible connection to the North-East Line represents a critical advantage for residents commuting across Singapore's network, linking directly to Serangoon, Dhoby Ghaut, and onwards to the City Hall and Marina Bay corridors. The walkability factor reinforces the development's appeal to working professionals, students, and those who prioritise convenient public transport access without requiring a private vehicle for daily logistics.

Strategic Location and Neighbourhood Character

Hougang Avenue remains one of the district's primary thoroughfares, characterised by a mature tapestry of residential blocks, local retail, dining establishments, and essential services. The surrounding area encompasses multiple neighbourhood centres, hawker markets, and supermarket chains that cater to daily living requirements without necessitating travel beyond the immediate vicinity. Schools, both primary and secondary, are well-represented throughout the estate, making this location particularly attractive to families with children at varying educational stages.

The maturity of Hougang as a residential district means that infrastructure planning and development frameworks remain largely settled, with minimal disruption anticipated from major redevelopment schemes. This stability has historically contributed to steady capital appreciation and rental demand, as the neighbourhood offers established amenities that newer estates must invest years to replicate. Residents enjoy access to parks, sporting facilities, and community spaces that reflect decades of community building and public investment in the area.

Property Characteristics and Unit Variety

The development comprises HDB flats across multiple configurations, accommodating diverse household compositions from young professionals to larger families. The 120 square-foot unit size reference points to compact, efficiently designed living spaces that maximise functionality within Singapore's urban residential constraints. HDB flats at this address are typically designed to meet Housing and Development Board standards, featuring layouts that optimise natural light, ventilation, and practical living arrangements suitable for owner-occupiers seeking affordability without compromising on essential amenities.

Units within this development are structured around practical floor plans that have proven effective across Singapore's public housing portfolio. The emphasis on space efficiency reflects a design philosophy that prioritises livability within realistic pricing parameters, enabling a broader demographic to access home ownership without excessive financial leverage. Such configurations have consistently demonstrated strong rental appeal, particularly among professionals working in nearby business districts and students attending tertiary institutions accessible via the North-East Line.

Transport Connectivity and Urban Integration

The nine-minute walking distance to Hougang MRT Station positions 513 Hougang Avenue 10 within the critical accessibility zone that supports sustained demand across economic cycles. The North-East Line itself has undergone recent extensions and service improvements, reinforcing its role as a major arterial transport spine. For residents, this translates to flexible commuting options, reduced dependency on private vehicle ownership, and the ability to access employment hubs across the island efficiently during peak and off-peak periods.

The development's location within this transport corridor creates a natural catchment for renters seeking accommodation near major employment centres, educational institutions, and business parks distributed along the line. This underlying demand dynamic supports competitive rental yields and provides investor-owners with optionality regarding whether to occupy the property personally or generate income through the rental market. The transport advantage has historically translated into price resilience and capital preservation during market downturns, as accessibility remains a fundamental value driver regardless of market sentiment.

Investment Potential and Rental Yield Dynamics

Hougang's established character as a residential neighbourhood has generated consistent rental demand across property types and price points. The proximity to Hougang MRT Station and the accessibility it provides to major employment districts means that rental enquiries typically remain robust, supporting investor returns. For those considering purchase as an investment vehicle, the location's proven ability to attract renters—professionals, students, and individuals relocating to Singapore—positions the development within a demonstrably rentable segment of the market.

The development's positioning within a mature estate also mitigates certain risks associated with newer, untested developments where tenant profile volatility and neighbourhood establishment remain variables. Investors benefit from the known demand patterns established over decades within Hougang, supported by the stable presence of schools, shops, and services that appeal to the rental demographic. Rental rates within this precinct have tracked inflation and wage growth reasonably closely, suggesting that yield stability and modest annual adjustments align with broader economic trends.

Market Position and Comparative Context

Within the Hougang district, 513 Hougang Avenue 10 competes within the HDB flat segment—a category that has demonstrated sustained demand across economic cycles. The development's maturity means that recent transaction data points provide reliable benchmarks for pricing, whereas newer developments often command premiums reflecting untested demand assumptions. This established market history enables more accurate forecasting of capital appreciation trajectories and rental yield baselines compared to developments lacking comparable market transaction records.

Properties within established HDB estates have historically appreciated at rates aligned with broader island-wide HDB price movements, with the additional benefit of transport proximity enhancing value retention. The North-East Line's role as a major commuting artery means that stations along its length typically command pricing premiums relative to developments without MRT access, and Hougang Station represents a well-established node within this framework. Comparative analysis across recent sales and rental listings within the Hougang MRT precinct provides context for understanding where 513 Hougang Avenue 10 sits relative to alternative investment or owner-occupier options in the immediate locality.

Suitability for Various Buyer Profiles

First-time homebuyers seeking an entry point into Singapore's property market will find the HDB segment accessible from both financing and affordability perspectives, with 513 Hougang Avenue 10 offering location premiums without requiring the capital outlay associated with private residential properties. The proximity to Hougang MRT Station enhances the attractiveness to younger professionals establishing independent households, as commuting convenience directly translates to quality-of-life improvements. For this demographic, the established neighbourhood infrastructure and absence of speculative redevelopment risk provide reassuring stability as they build equity over medium to long-term ownership horizons.

Upgraders transitioning from smaller units or relocating from other districts will appreciate the mature estate's neighbourhood character, established school networks, and the transport accessibility that broadens employment flexibility. Investors evaluating 513 Hougang Avenue 10 benefit from the location's proven rental appeal and the absence of headline risk associated with newer, untested developments. Families with school-age children will find the surrounding precinct well-served by educational institutions, hawker markets, and recreational facilities that support everyday living without requiring frequent travel beyond the immediate area.

Financing and Capital Considerations

HDB flat purchases in Singapore are eligible for HDB housing loans and bank financing structures that typically offer competitive interest rates and flexible repayment terms. The pricing framework of HDB flats generally enables borrowers to maintain healthy Total Debt Service Ratio (TDSR) metrics relative to their income, particularly for first-time homebuyers utilising maximum grants and concessional loan schemes available through government programmes. At typical price points for developments at 513 Hougang Avenue 10, standard financing arrangements should remain accessible to households with combined incomes representative of Singapore's resident population distribution.

Buyers acquiring as a second residential property will face Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price, a significant consideration in cash flow planning. This duty requirement means that second-property investors must factor an additional 20% cost layer into their capital outlay, influencing yield calculations and overall investment returns. First-time homebuyers remain exempt from ABSD, making the development particularly attractive to this buyer segment relative to investor-owners expanding their property portfolios.

Future Considerations and Market Outlook

Hougang's status as a mature HDB estate means that significant new supply within the immediate vicinity remains limited, supporting price stability and reducing the competition from newly launched projects. The Housing and Development Board's planning frameworks suggest that this district will continue to evolve through selective renewal and upgrading initiatives rather than wholesale redevelopment, preserving the established character that appeals to resident and investor demographics. The North-East Line's integration into Singapore's broader transport network positions Hougang as a permanent fixture within the island's commuting infrastructure, underpinning long-term connectivity-driven demand.

Properties at 513 Hougang Avenue 10 will age gradually across decades, with HDB upgrading initiatives, community improvements, and periodic property-level maintenance ensuring that the development maintains livability standards. The absence of significant fresh supply in the immediate precinct means that relative scarcity dynamics may support pricing over extended timeframes, particularly if broader island-wide demand for HDB flats remains strong. For owner-occupiers with long-term holding horizons, the combination of location permanence, transport reliability, and neighbourhood stability creates a relatively low-risk ownership proposition aligned with personal housing needs.

Frequently Asked Questions

What rental yield can investors expect when purchasing a unit at 513 Hougang Avenue 10?

Rental yields for HDB flats at 513 Hougang Avenue 10 depend on the specific unit configuration, current market rental rates for comparable units in Hougang, and the purchase price at which the property is acquired. Properties located within nine minutes' walk of Hougang MRT Station typically achieve rental yields in the range of 3% to 5% annually, reflecting strong demand from renters seeking accessibility to the North-East Line's employment hubs and educational institutions. Investors should analyse recent rental transactions within the Hougang precinct to establish baseline expectations, noting that rental rates have historically tracked wage growth and inflation within Singapore. The mature estate's established rental market means that tenant turnover and vetting processes follow predictable patterns, reducing portfolio management complexity compared to newer developments where tenant profile volatility may be higher.

How do current prices per square foot at 513 Hougang Avenue 10 compare to recent HDB transactions in Hougang?

Pricing at 513 Hougang Avenue 10 reflects the premium associated with MRT proximity and the established nature of the Hougang neighbourhood, with recent HDB transactions in the broader Hougang precinct providing contextual benchmarking. HDB flats within the Hougang MRT catchment typically trade at price-per-square-foot levels that align with or slightly exceed island-wide HDB medians, reflecting the transport advantage and the demographic appeal of the area. Buyers evaluating 513 Hougang Avenue 10 should cross-reference recent sale prices for comparable units within the development and immediately adjacent HDB blocks to understand local market dynamics and whether current asking prices represent fair value relative to alternative options. The development's maturity means that transactional history is robust, enabling data-driven pricing assessments that move beyond speculative or untested valuation frameworks.

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

Singapore Citizens purchasing a second residential property, including HDB flats at 513 Hougang Avenue 10, face Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% of the purchase price. This duty represents a significant capital outlay that must be factored into investment calculations and cash flow planning, reducing effective yield and requiring larger upfront capital commitments. For example, a purchase at S$400,000 incurs ABSD of S$80,000, materially affecting the total cost of acquisition and the timeline to break-even relative to rental income. First-time homebuyers remain exempt from ABSD, making the development considerably more attractive on a capital-efficiency basis for this buyer segment. Investors should model ABSD obligations in their financial projections to ensure that prospective rental returns justify the elevated acquisition costs relative to alternative investments in the property market.

How does lease duration affect resale value and capital appreciation prospects at 513 Hougang Avenue 10?

HDB flats at 513 Hougang Avenue 10 are typically held on 99-year leases, a standard tenure for Housing and Development Board properties that affects long-term capital appreciation as the lease ages. Properties with longer remaining lease tenures generally command pricing premiums relative to those approaching the 30-year lease threshold, where financing availability becomes constrained and investor demand typically declines. A property purchased today will have approximately 94 years remaining on its initial 99-year lease, positioning it well within the period where financing and resale demand remain robust. However, buyers should understand that as decades pass, lease decay—the gradual erosion of property value as the lease term shortens—will become a consideration in long-term capital appreciation projections. For owner-occupiers with 30-year horizons, lease decay risk remains manageable; for longer-term investors, the eventual impact of lease shortening on resale valuations warrants consideration in multi-decade portfolio planning.

How does proximity to Hougang MRT Station affect demand and capital appreciation at this development?

Hougang MRT Station serves as a critical anchor for property valuations across the immediate precinct, with the nine-minute walking distance from 513 Hougang Avenue 10 positioning the development within the premium accessibility zone. Properties within walking distance to MRT stations consistently command price premiums relative to developments requiring vehicle or longer-distance transport access, and this advantage has historically persisted across economic cycles. The North-East Line's role as a major arterial spine connecting to employment hubs, educational institutions, and business parks means that demand from commuters, professionals, and students remains relatively insensitive to market sentiment fluctuations. Capital appreciation data from previous cycles demonstrates that MRT-proximate HDB flats outperform developments lacking equivalent connectivity, with the transport advantage serving as a hedging mechanism against broader market downturns. For long-term owners, the permanence of Hougang MRT Station—as opposed to speculative transport improvements that may or may not materialise—provides reliable confidence in the enduring value-supportive role of connectivity.

Is 513 Hougang Avenue 10 suitable for first-time homebuyers, upgraders, or investors?

The development appeals across multiple buyer segments, each deriving distinct value from the location and asset characteristics. First-time homebuyers benefit from accessibility to HDB financing schemes, exemption from Additional Buyer's Stamp Duty (ABSD), the mature estate's established neighbourhood infrastructure, and the MRT proximity that enhances employment flexibility as careers develop. Upgraders relocating from smaller units or other districts will appreciate the Hougang precinct's school networks, hawker markets, and recreational facilities, which support family-oriented living without requiring frequent travel beyond the immediate area. Investors evaluating 513 Hougang Avenue 10 will note the proven rental demand within the Hougang MRT catchment, the absence of headline redevelopment risk in an established estate, and the robust transaction history that enables accurate market benchmarking. Each buyer profile may weight these characteristics differently—first-timers prioritising affordability and financing flexibility, upgraders emphasising neighbourhood amenities, investors focusing on yield and capital preservation—but the development can accommodate diverse housing objectives across these demographic segments.

What financing headroom and TDSR considerations apply at typical price points for this development?

HDB flats at 513 Hougang Avenue 10 typically price within ranges that enable borrowers to maintain healthy Total Debt Service Ratio (TDSR) metrics, the regulatory constraint limiting total monthly debt repayments to 60% of gross household income. At representative pricing for units within this development, households with combined incomes aligned to Singapore's resident population distribution should retain comfortable financing headroom after accounting for HDB or bank loan repayments. First-time homebuyers benefit from enhanced loan quantum accessibility, as HDB concessional loans and grant schemes reduce effective purchase prices, lowering the debt obligations relative to income. For second-property buyers, ABSD obligations (20% of purchase price) represent additional cash outlay but do not directly affect TDSR calculations, which focus on loan repayment sustainability rather than upfront capital commitment. Prospective buyers should obtain pre-approval estimates from HDB or financial institutions to establish accurate financing baselines specific to their income profile, as TDSR constraints vary based on household composition and existing debt obligations.

How does 513 Hougang Avenue 10 compare to nearby competing HDB developments in the Hougang area?

The Hougang precinct encompasses multiple HDB blocks and estates spanning different vintage and configurations, with 513 Hougang Avenue 10 positioned within the broader landscape of established public housing stock. Comparable blocks in the immediate vicinity offer similar MRT accessibility, neighbourhood amenities, and pricing frameworks, though variations in unit configurations, floor heights, and specific block-level attributes generate differentiation. Buyers evaluating competing options should assess relative transaction histories, rental demand patterns, and school catchment proximity, as these factors materially influence value propositions across otherwise similar developments. The development's maturity means that its competitive position relative to nearby blocks reflects decades of demonstrated demand rather than speculative appeal, providing confidence that pricing and resale liquidity remain stable relative to newer, untested alternatives. Investors comparing investment properties across Hougang-area blocks should analyse transaction volumes and average time-on-market for each location, as strong liquidity indicators suggest robust underlying demand and reduced risk of prolonged vacancy or sales difficulty.

Which unit stack or floor level at this development typically offers the best value proposition?

Unit location within 513 Hougang Avenue 10—including floor level, block position, and orientation—influences pricing and appeal to different buyer segments, with lower floors typically priced below higher levels due to reduced privacy, natural light, and perceived quality-of-life benefits. Mid-level units (typically floors 8-15 in HDB developments) often represent the optimal value balance, offering improved ventilation and light relative to lower floors whilst avoiding the premium pricing commanded by higher levels and associated water pressure or lift queuing challenges. Units with northern or eastern orientation may command slight premiums due to natural light advantages, whilst corner units or those with balconies may appeal to specific buyer preferences. Investors prioritising yield should focus on rental appeal across buyer demographics rather than chasing specific floor-level premiums, as rental demand typically spans floor-level variations, making the differentiation less material to income generation. Owner-occupiers should weigh personal preferences regarding natural light, ventilation, privacy, and proximity to lifts against pricing variations, as subjective quality-of-life factors often outweigh minor price differentials in personal housing decisions.

What is the future supply pipeline for HDB properties in the Hougang district?

Hougang's status as a mature HDB estate means that future new supply within the immediate vicinity remains constrained by the Housing and Development Board's planning frameworks, which prioritise selective renewal and upgrading of existing stock rather than wholesale redevelopment in established neighbourhoods. The district has transitioned from rapid growth phase to stability maintenance phase, a characteristic that protects existing property valuations from competitive pressure originating from newly launched developments. Recent HDB planning announcements and land-use strategies indicate that new public housing supply across Singapore will increasingly concentrate in growth areas on the urban fringe and emerging districts rather than mature central-city estates. This supply scarcity dynamic means that HDB flats at 513 Hougang Avenue 10 will face limited competition from new units in the immediate precinct, supporting pricing stability and potentially generating modest appreciation as broader island-wide HDB demand encounters constrained supply. For long-term owners and investors, the absence of significant future supply threats provides confidence in the enduring relevance and value-supportive characteristics of properties within established Hougang.

Hdb Flat At 513 Hougang Avenue 10 — From S$800