Type

Units

Min Area

Price Range

3 BR

1216 sqft

S$795K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$795K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$159K on this acquisition.

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.

676C Yishun Ring Road: A Established HDB Development in Singapore's North

676C Yishun Ring Road stands as a notable HDB development situated in one of Singapore's most developed residential precincts. The estate represents a mature community where families have established themselves over decades, creating a neighbourhood characterised by stable property values and established social infrastructure. Located in the northern region of Singapore, this development offers prospective buyers access to an area that has evolved into a self-contained residential hub with comprehensive amenities catering to daily living needs.

The property collection at this address comprises units ranging from 3-bedroom configurations upwards, with floor areas spanning approximately 1,216 square feet and beyond. Current offerings reflect market pricing from S$795,000 onwards, positioning the development within a competitive segment of the HDB resale market. The breadth of unit types ensures that various household sizes and buyer profiles can find suitable accommodation, whether upgrading from smaller units, downsizing from private housing, or establishing a new residential base in a well-serviced neighbourhood.

Location and Accessibility

Yishun Ring Road forms part of the broader Yishun estate, a neighbourhood that has matured into one of Singapore's most comprehensive residential and commercial zones. The estate benefits from strategic positioning that provides residents with convenient access to multiple employment centres, particularly the nearby business and industrial parks that have made Yishun a secondary employment hub. The development's location within the broader North region ensures connectivity to major transport arteries, facilitating commutes across Singapore.

The neighbourhood offers robust local facilities including hawker centres, supermarkets, and shopping malls that serve the daily needs of residents. Educational institutions, medical clinics, and community centres dot the surrounding area, reflecting the maturity of the estate's infrastructure. These amenities translate into practical convenience for residents whilst also supporting long-term property value stability, as the completeness of neighbourhood facilities typically attracts sustained demand from owner-occupiers.

HDB Property Characteristics and Layout

HDB flats at this development follow the standardised construction and design principles that have defined public housing in Singapore for decades. The 3-bedroom units and larger configurations typically feature efficient internal layouts that maximise usable living space, with separate kitchen areas, multiple bedrooms of varying sizes, and bathrooms designed for family use. The approximate 1,216 square feet configuration provides sufficient space for a family of four to five persons to live comfortably without excessive space waste.

The structural quality of HDB flats has consistently demonstrated durability across their lifespan, with regular upgrading and maintenance regimes ensuring that properties retain their functionality and appeal. Construction standards ensure compliance with building codes and safety regulations, providing buyers with confidence in the structural integrity of their investment. The standardised nature of HDB design also facilitates straightforward renovation and customisation, allowing owners to adapt units to personal preferences within structural parameters.

Market Positioning and Pricing Dynamics

Properties at 676C Yishun Ring Road reflect current HDB resale market valuations within the North region, with prices from S$795,000 indicating positioning within the upper segment of the 3-bedroom and larger HDB market. Pricing at this level reflects both the maturity of the estate and the inherent value associated with established residential neighbourhoods where demand remains consistent. Comparable transactions within the Yishun area suggest that per-square-foot valuations in this development align with broader market trends for similar configurations in mature estates.

The HDB resale market in Yishun has demonstrated relative stability, reflecting consistent demand from various buyer profiles including upgraders from smaller units, first-time buyers seeking larger configurations, and investors pursuing rental yields. Price appreciation in established HDB estates typically aligns with broader public housing market trends rather than exhibiting exceptional growth, though stability itself represents a valuable characteristic for owner-occupiers seeking secure long-term accommodation. Sellers at this development generally achieve reasonable transaction velocity, indicating healthy market liquidity and sustained buyer interest.

Investment Considerations for Buyers

Prospective investors evaluating units at this development should carefully consider both rental market dynamics and occupancy patterns in Yishun. The established nature of the estate and accessibility to transport links position rental properties here for consistent demand from working professionals and small families seeking affordable accommodation in a stable neighbourhood. Rental yields on HDB resale units typically range between 2% to 3% gross return, with actual outcomes depending on unit configuration, condition, and specific location within the estate.

Second-property buyers should note the Additional Buyer's Stamp Duty (ABSD) implications when acquiring HDB resale units. Singapore Citizens purchasing a second residential property incur ABSD at 20% on the purchase price, materially increasing acquisition costs beyond the base purchase price. For example, acquiring a unit priced at S$795,000 would trigger ABSD of approximately S$159,000, substantially affecting total cash outlay and requiring careful financial planning. This duty structure means that investment purchases or upgrading purchases must be evaluated with total acquisition costs in mind, not merely the listed price.

Neighbourhood Profile and Community Character

The Yishun neighbourhood has evolved into a comprehensive residential community offering residents a self-contained lifestyle where most daily needs can be met locally. The estate's maturity means that social infrastructure has had decades to develop, with established schools, medical facilities, and recreational spaces now deeply embedded in the neighbourhood fabric. This maturity typically translates into stable property demand, as families with school-age children and established community connections tend to remain in such areas for extended periods.

The community character of Yishun reflects Singapore's multi-ethnic public housing tradition, with diverse resident populations creating vibrant neighbourhood dynamics. The presence of multiple cultural communities is reflected in the food establishments, shops, and celebrations throughout the estate, contributing to a cosmopolitan atmosphere whilst maintaining the orderliness and safety standards expected in Singapore's public housing areas. These characteristics make the neighbourhood suitable for families of various backgrounds seeking affordable, secure residential environments.

Practical Considerations for Different Buyer Profiles

First-time buyers considering units at this development benefit from the straightforward nature of HDB purchasing processes and the relative price accessibility of Yishun properties compared with private housing. The established neighbourhood infrastructure means new residents can quickly integrate into an existing community with all essential services already operational, reducing the uncertainty associated with emerging estates. HDB financing through the Housing Development Board's mortgage schemes typically offers competitive interest rates for qualified buyers, improving affordability for first-timers.

Upgraders moving from smaller HDB units to larger configurations at this address gain additional space and typically benefit from accessing more modern amenities if moving from older estates. The difference in property size translates directly into enhanced living standards, with genuine additional rooms supporting multi-generational living arrangements or accommodating home offices and study spaces. The upgrade path represents a natural progression in the HDB resale market, with sufficient units transacting annually to ensure ready availability of upgrade options.

Investors and second-property buyers must carefully evaluate whether HDB investment aligns with personal financial circumstances and portfolio strategy. The 20% ABSD payable by Singapore Citizens acquiring a second residential property creates a significant cost hurdle that must be offset by rental income and potential capital appreciation over the holding period. Conservative analysis of rental yield combined with realistic assessment of potential long-term capital growth should form the basis of investment decisions, with professional financial advice strongly recommended for purchasers unfamiliar with HDB investment dynamics.

Future Outlook and Market Stability

HDB estates in mature neighbourhoods like Yishun typically benefit from stable demand as they represent the only housing option for many Singaporean families unable to afford private property. The structural framework of HDB ownership and the government's continued commitment to maintaining public housing stock provide underlying support for property values in established estates. Whilst HDB resale prices may not experience the dramatic appreciation sometimes seen in private residential developments, they generally demonstrate resilience and stability, making them suitable for owner-occupiers prioritising security over speculative gains.

The broader North region continues to develop with ongoing investments in transport infrastructure, commercial facilities, and community amenities, suggesting sustained demand for residential properties throughout the area. Any future enhancements to transport connectivity or expansion of employment opportunities in the region would likely benefit existing residential estates including Yishun, as improved accessibility typically enhances property appeal and supports value retention. For prospective residents planning to remain in the same location for extended periods, the stability and maturity of the Yishun estate represents a significant advantage.

Frequently Asked Questions

What rental yield can investors realistically expect from a 3-bedroom HDB unit at 676C Yishun Ring Road?

HDB resale units in mature estates like Yishun typically generate gross rental yields between 2% to 3%, with outcomes depending on unit size, condition, and specific location within the development. A 3-bedroom unit priced around S$795,000 might command monthly rent of approximately S$1,200 to S$1,500 from working professionals or small families seeking affordable accommodation, translating to gross yields in the lower-to-mid range. However, investors must deduct management costs, potential vacancy periods, and consider the 20% ABSD payable when acquiring the property as a second residential unit, which materially reduces net returns and extends the payback period.

How do per-square-foot prices at 676C Yishun Ring Road compare with other recent HDB transactions in Yishun?

Units at this development with pricing from S$795,000 and floor areas around 1,216 square feet translate to approximately S$654 per square foot, positioning the development competitively within the Yishun HDB resale market. Comparable 3-bedroom transactions in the surrounding estate typically reflect similar per-square-foot valuations, suggesting that this development aligns with prevailing market rates rather than commanding a premium or trading at a discount. Market analysis of recent comparable sales in the North region indicates that Yishun resale pricing remains relatively stable, with variations typically attributable to floor level, unit condition, and proximity to amenities rather than development-wide pricing anomalies.

What is the Additional Buyer's Stamp Duty impact for Singapore Citizens buying a second property here?

Singapore Citizens purchasing a second residential property, including HDB resale units at 676C Yishun Ring Road, incur Additional Buyer's Stamp Duty at the current rate of 20% on the purchase price. For a unit priced at S$795,000, this results in ABSD of approximately S$159,000, significantly increasing total acquisition costs beyond the listed price. This duty structure means that second-property buyers must include ABSD in their financial planning and budgeting, effectively increasing the true cost of acquisition and reducing the net capital available for other investments or contingencies. Professional financial advice is essential for second-property buyers to evaluate whether the total acquisition cost aligns with investment objectives and personal financial capacity.

How does the nearest MRT station affect demand and long-term capital appreciation for units at this address?

Yishun benefits from existing MRT connectivity and bus transport infrastructure, providing residents with reliable public transport access to employment centres, retail destinations, and educational institutions throughout Singapore. The presence of established transport links supports consistent demand from working professionals and families, as commuting accessibility represents a primary factor in residential location selection. Neighbourhoods with mature transport infrastructure typically demonstrate stable property values rather than spectacular appreciation, as the transport premium has already been factored into historical pricing, making units here attractive for owner-occupiers seeking stability rather than investors pursuing dramatic capital gains.

Is 676C Yishun Ring Road suitable for first-time HDB buyers, and what financing options are available?

First-time buyers find HDB resale units at this development particularly accessible given the straightforward purchasing process and established neighbourhood infrastructure that eliminates uncertainty about emerging areas. Housing Development Board financing programmes offer competitive mortgage rates specifically for first-time buyers, with loan eligibility dependent on income levels and CPF accumulation, potentially making the S$795,000 price point achievable through combined CPF and cash payment. The maturity of the Yishun estate means that all essential services, schools, and community facilities are already operational, reducing the risk profile associated with first-time purchases and allowing new residents to immediately integrate into an established community with minimal disruption.

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

The Total Debt Service Ratio (TDSR) limit of 55% for HDB mortgages means that borrowers must demonstrate sufficient income to service both the mortgage and existing debts whilst remaining below this threshold. For a unit priced at S$795,000 with a typical 80% loan-to-value (LTV) ratio, the mortgage would be approximately S$636,000, requiring borrowers to earn sufficient income to service monthly repayments of roughly S$3,000 to S$3,500 depending on interest rates and loan tenure. TDSR compliance requires household income of approximately S$110,000 to S$130,000 annually, depending on existing debt obligations, making this development generally accessible to dual-income families or single professionals with substantial earnings rather than lower-income households requiring maximum financing assistance.

How does 676C Yishun Ring Road compare to competing HDB developments in the North region?

The Yishun estate offers comprehensive neighbourhood amenities including multiple shopping malls, hawker centres, educational institutions, and medical facilities that match or exceed those available in competing HDB estates within the North region. Per-square-foot pricing at this development aligns closely with comparable units in other mature North region estates, suggesting that value comparison should focus on neighbourhood characteristics, unit condition, and specific location within the development rather than development-wide pricing advantages. The established nature of Yishun as a secondary employment hub with nearby industrial parks and business centres differentiates it from some competing estates, providing both residents and renters with enhanced employment accessibility within the North region.

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

HDB resale pricing typically reflects a modest premium for higher floor levels, with units on upper storeys commanding slightly higher prices than comparable lower-level units due to perceived advantages including reduced noise and improved natural light. Mid-floor units (typically floors 7 to 20 in HDB blocks) often represent optimal value, offering height benefits at more modest pricing premiums than the highest available levels. Corner units and units facing established green spaces or neighbourhood focal points may command pricing premiums regardless of floor level, whereas units facing main roads or with limited sightlines may trade at slight discounts, representing value opportunities for buyers prioritising affordability over specific unit characteristics.

What is the future supply pipeline in the Yishun and North region that might affect property demand?

The Yishun estate represents a substantially completed development with limited remaining new HDB supply, meaning that growth in neighbourhood demand will primarily be serviced by resale units rather than new launches. The North region benefits from ongoing government investments in transport infrastructure and commercial development, with planned enhancements to connectivity and employment opportunities potentially supporting sustained residential demand throughout the district. Future supply of new HDB units in the broader North region will likely occur in adjacent precincts rather than within the mature Yishun estate itself, suggesting that the established estate may experience increased attractiveness as an alternative to emerging neighbourhoods where infrastructure remains incomplete.

Are there lease considerations or resale value risks associated with purchasing at this address?

HDB flats operate under a 99-year leasehold structure from the point of initial government construction, meaning that units at 676C Yishun Ring Road will have varying years of lease remaining depending on when the original block was constructed. As the block ages beyond 30 years and approaches the mid-lease point (approximately 50 years remaining), some buyers may notice marginal effects on resale value, though these effects remain modest for units in well-maintained, well-serviced estates. The government's demonstrated commitment to maintaining and upgrading public housing through programmes such as the Selective En bloc Redevelopment Scheme (SERS) provides underlying structural support for HDB values, though prospective buyers should confirm exact lease tenure and conduct due diligence on any planned upgrading or potential redevelopment affecting the specific block being considered.

[For Sale] Hdb Flat At 676C Yishun Ring Road — From S$795K