Type

Units

Min Area

Price Range

3 BR

1119 sqft

S$600K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$600K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$120K on this acquisition.
Located 5 min (400 m) from NS14 Khatib 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.

835 Yishun Street 81: An Established HDB Development in Yishun

835 Yishun Street 81 represents a solid residential opportunity in one of Singapore's most established heartland districts. Situated in Yishun, a neighbourhood known for its mature infrastructure, diverse community facilities and consistent property demand, this HDB development offers straightforward apartment living with genuine convenience. The location has evolved into a sought-after residential pocket, attracting a broad demographic of buyers ranging from first-time homeowners to investors seeking stable rental returns.

The development comprises practical apartment configurations, with units typically featuring three bedrooms and two bathrooms spread across approximately 1,119 square feet of living space. This layout strikes a balance between spaciousness and efficient use of floor area, accommodating both growing families and those seeking extra room for a home office or study. The neighbourhood itself benefits from decades of development, meaning schools, retail centres, hawker stalls and healthcare facilities are well-established throughout the surrounding area.

Proximity to Khatib MRT Station and Transport Connectivity

One of the primary advantages of 835 Yishun Street 81 is its position just 400 metres, or approximately a five-minute walk, from Khatib MRT Station on the North-South Line (NS14). This accessibility fundamentally shapes the appeal of the development for commuters, professionals and those valuing flexibility in their daily movements across Singapore. Direct access to the North-South Line provides rapid connectivity to the city centre, Orchard, and key employment zones, positioning residents within a broader metropolitan network without reliance on private transport.

The proximity to public transport acts as a long-term value driver for properties in this location. MRT stations consistently anchor property appreciation in Singapore's housing market, as they expand the potential buyer and tenant pool by removing commute friction. Properties within five minutes of an operational station typically command stronger resale demand and rental inquiries than those requiring longer walking times or bus transfers. For investment-minded purchasers, this transport advantage underpins both capital growth prospects and the steady flow of tenant applications.

Market Positioning and Pricing Context

Current availability at 835 Yishun Street 81 starts from S$600,000 for units meeting the specification of three bedrooms and two bathrooms. This pricing sits within a competitive band for mature HDB estates in Yishun, reflecting the neighbourhood's established character and the development's proven appeal. Buyers evaluating this development typically compare it against other resale flats in the immediate Yishun precinct, many of which command similar or higher price points depending on floor level, remaining lease duration and unit condition.

Price per square foot calculations for HDB flats in this location generally align with broader Yishun market trends, where psf rates have remained relatively stable year-on-year. The consistency of pricing reflects steady underlying demand from upgraders moving out of smaller properties and investors seeking rental-friendly layouts in transport-connected neighbourhoods. First-time buyers examining entry into the HDB market often find the Yishun area accessible, particularly for three-bedroom units where pricing remains below comparable properties in districts closer to the city centre.

Investment Potential and Rental Market Dynamics

From an investment perspective, 835 Yishun Street 81 presents genuine rental income potential. Three-bedroom HDB flats in Yishun routinely attract tenants seeking affordable, well-connected residential space, with typical rental yields ranging between 3% and 5% depending on unit condition and exact location within the neighbourhood. The combination of proximity to Khatib MRT Station and the established nature of Yishun as a residential district ensures consistent tenant demand throughout market cycles.

Investors evaluating this development should factor the 20% Additional Buyer's Stamp Duty (ABSD) that applies to second residential property purchases by Singapore Citizens. This duty, payable on top of the base purchase price, effectively increases the cost of acquisition by approximately 20% of the transaction value. For a property at the S$600,000 level, ABSD would add S$120,000 to the total acquisition cost, influencing the overall return calculation and break-even timeline. This cost structure means investors must model their expected rental income carefully to ensure the property generates sufficient returns over the intended holding period to justify the ABSD outlay.

Suitability Across Different Buyer Profiles

First-time homebuyers constitute a significant portion of purchasers at 835 Yishun Street 81. The development offers accessible entry into HDB ownership without stretching financing capacity, whilst the three-bedroom layout provides adequate family accommodation and room for future expansion needs. The proximity to schools throughout Yishun and the presence of established community facilities make this location particularly attractive for young couples and small families embarking on their homeownership journey.

Upgraders represent another core constituency, often moving from smaller two-bedroom units or earlier generation five-room flats seeking more spatial flexibility. For this segment, the 1,119 sqft layout delivers tangible improvement in living conditions whilst the Yishun location remains affordable relative to comparable upgrades in districts further south or east. Investors view the development as a practical addition to portfolios seeking stable rental-yielding assets in transport-connected neighbourhoods where tenant demand remains robust.

Financing and Debt Servicing Considerations

Prospective buyers should assess their Total Debt Servicing Ratio (TDSR) capacity when evaluating a purchase at 835 Yishun Street 81. At the S$600,000 price point, typical loan amounts would range between S$360,000 and S$450,000 depending on deposit levels and buyer eligibility for housing grants. With prevailing mortgage rates hovering around 3.5% to 4.0% annually, monthly repayments on a 25-year loan at the lower end of this range would approximate S$1,700 to S$2,100, figures that sit comfortably within TDSR thresholds for most employed Singapore Citizens and Permanent Residents.

Financing headroom remains available for buyers meeting standard HDB lending criteria, though those carrying existing debts from car loans, credit cards or personal loans should model their total servicing obligations carefully. The affordability profile of properties in this price range typically allows first-time buyers and upgraders to maintain healthy financial buffers while meeting mortgage obligations, providing security against future income fluctuation or rising interest rates.

Lease Considerations and Long-Term Value Preservation

As an HDB flat, properties at 835 Yishun Street 81 carry a lease structure that is integral to value assessment. Most HDB units are offered on 99-year leases, though the specific remaining tenure should be verified during the purchase process. Lease decay becomes increasingly relevant as remaining years diminish, particularly as properties approach the 60-year mark where rental yields may compress and resale pools contract. Purchasers should factor this long-term timeline into their decision-making, particularly if viewing the property as a multi-decade family home or long-term investment.

HDB resale values historically demonstrate resilience when properties maintain adequate remaining lease duration, particularly in well-connected neighbourhoods like Yishun. The government's proximity to Khatib MRT Station provides structural support against excessive lease decay impact, as the transportation advantage remains consistent regardless of lease progression. Buyers should clarify exact remaining lease tenure with their legal advisors and factor any anticipated lease decline into their long-term value projections.

Neighbourhood Maturity and Amenity Availability

Yishun has developed into one of Singapore's most mature residential precincts, boasting extensive schools, medical facilities, and shopping options spread throughout the district. This established amenity landscape creates inherent stability for property values, as the neighbourhood satisfies diverse household needs without requiring residents to venture far. Khatib MRT Station itself sits within easy reach of Northpoint and other retail centres, offering shopping and dining options that support the area's lifestyle appeal.

The maturity of the neighbourhood also influences capital appreciation patterns. Established districts with proven community infrastructure and stable demographics typically exhibit more predictable property price movements than growth areas still undergoing rapid development. This predictability appeals to conservative investors and buyers prioritising security of value over speculative growth.

Future Supply and Competitive Landscape

The supply pipeline for new HDB units in Yishun remains modest, as the neighbourhood has largely matured in terms of new estate development. This supply constraint supports the underlying demand for resale units like those at 835 Yishun Street 81, ensuring that existing properties maintain relevance throughout market cycles. Competing developments in the immediate vicinity tend to comprise other mature HDB estates rather than new-generation projects, positioning 835 Yishun Street 81 as a representative option within an established competitor set.

Prospective buyers evaluating this development alongside alternatives in Yishun typically encounter properties with similar age profiles, lease structures, and pricing parameters. Differentiation often hinges on specific unit condition, remaining lease duration, and position within the block rather than wholesale development advantages. This competitive homogeneity suggests that property selection at 835 Yishun Street 81 should prioritise individual unit attributes and personal space requirements over development-wide superiority claims.

Frequently Asked Questions

What rental yield can I expect from purchasing a unit at 835 Yishun Street 81 as an investment property?

Rental yields for three-bedroom HDB flats at 835 Yishun Street 81 typically range between 3% and 5% annually, depending on unit condition, exact floor position, and market cycle. The proximity to Khatib MRT Station supports consistent tenant demand, as the location appeals to working professionals and families seeking affordable, transport-connected housing. However, prospective investors must account for the 20% Additional Buyer's Stamp Duty payable on second residential property acquisitions by Singapore Citizens—effectively adding S$120,000 to the purchase cost at the S$600,000 price point. This ABSD expense materially extends the break-even timeline, necessitating careful modelling of expected rental income over a minimum 5-7 year holding period to justify the acquisition cost.

How does the price per square foot at 835 Yishun Street 81 compare to recent HDB transactions in Yishun?

The S$600,000 price point for the typical 1,119 sqft unit translates to approximately S$536 per square foot, positioning the development in line with recent resale transactions for comparable three-bedroom flats throughout the Yishun neighbourhood. Yishun's price psf has remained relatively stable year-on-year, with most three-bedroom units trading between S$500 and S$550 psf depending on remaining lease duration, floor level, and unit condition. The consistency of pricing reflects the neighbourhood's mature status and established demand base, distinguishing it from high-growth districts where psf appreciation is more volatile. Buyers evaluating value should assess individual unit lease tenure and condition against this baseline, as these factors often create greater price variance than development-wide positioning.

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

Second residential property purchases by Singapore Citizens incur an Additional Buyer's Stamp Duty of 20%, calculated on the purchase price. At 835 Yishun Street 81's S$600,000 entry level, this duty amounts to S$120,000, meaningfully increasing total acquisition cost. This ABSD obligation applies regardless of the property's status as resale HDB stock and represents a critical cost factor in investment decision-making. For investors, the S$120,000 duty effectively requires the property to generate sufficient rental income over time to recover this upfront tax cost while also delivering capital appreciation. First-time buyers purchasing their primary residence, by contrast, are exempt from ABSD, making this development particularly accessible for owner-occupiers entering the market for the first time.

Does lease decay pose a significant resale risk for properties at 835 Yishun Street 81?

Lease decay risk depends critically on the specific remaining lease duration at time of purchase, which must be verified during the conveyancing process. HDB flats typically commence with 99-year leases, and properties in Yishun vary considerably in their age profile and remaining terms. Properties with remaining leases above 80 years encounter minimal decay-related resale friction, whilst those approaching the 60-year threshold may experience tightening tenant pools and compressed rental yields. However, the strong transport connectivity to Khatib MRT Station provides structural support against excessive lease decay impact, as the location advantage remains consistent throughout the lease progression. Buyers should factor anticipated lease decline into their holding timeline and obtain legal advice on exact remaining tenure before committing to purchase.

How does proximity to Khatib MRT Station influence long-term capital appreciation and demand at this development?

Proximity to Khatib MRT Station (NS14) fundamentally anchors demand and value retention at 835 Yishun Street 81. Properties within five minutes' walk of operational MRT stations consistently outperform comparable units lacking transport convenience in both capital appreciation and rental velocity. The North-South Line connectivity provides rapid access to the city centre, Orchard, and major employment zones, expanding the potential buyer and tenant pool significantly. This transport advantage supports resilient property values throughout market cycles, as commute times represent a primary consideration for tenant selection and owner-occupier decision-making. Properties further from MRT stations in the same neighbourhood typically command weaker appreciation trajectories and slower resale velocity, demonstrating that the Khatib MRT proximity creates material long-term value.

Is 835 Yishun Street 81 suitable for first-time homebuyers, and what are the financing considerations?

The development represents an accessible entry point for first-time buyers, particularly those seeking a three-bedroom layout without stretching financing capacity into uncomfortable territory. At the S$600,000 price point, typical loans would range between S$360,000 and S$450,000 depending on deposit levels, resulting in monthly repayments of approximately S$1,700 to S$2,100 over a 25-year term at current interest rates around 3.5% to 4.0%. These repayment figures sit comfortably within Total Debt Servicing Ratio thresholds for most employed Singapore Citizens and Permanent Residents, leaving adequate financial headroom. First-time buyers also benefit from exemption from Additional Buyer's Stamp Duty, eliminating the S$120,000 cost burden that investors face. The mature Yishun location with established schools, healthcare and community facilities makes this neighbourhood particularly appealing for young families embarking on ownership.

How does TDSR headroom look at the typical S$600,000 price point for this development?

At the S$600,000 price point, assuming a 25% deposit and standard HDB mortgage terms over 25 years, a typical loan of S$450,000 would generate monthly repayments of approximately S$2,100 at 3.75% interest. For a household with combined monthly income of S$6,000, this repayment represents 35% of gross income before accounting for other expenses, fitting comfortably within HDB's 30% TDSR limit for housing loans. Households with additional debts from car loans, personal loans or credit card obligations should model their total servicing ratio more carefully, as cumulative obligations could approach or exceed prudent thresholds. The affordability profile of properties at this price level typically allows buyers to maintain financial buffers whilst managing mortgage commitments, reducing vulnerability to income disruption or interest rate rises. Prospective purchasers should obtain pre-approval letters from lenders to confirm exact lending capacity based on their personal financial profile.

How do competing HDB developments in Yishun compare to 835 Yishun Street 81 in terms of value and positioning?

835 Yishun Street 81 competes within a landscape of other mature HDB estates throughout Yishun, most of which exhibit similar age profiles, lease structures, and pricing bands. Competing developments in the immediate vicinity typically feature comparable three-bedroom units trading within S$580,000 to S$640,000, depending on exact remaining lease, floor level, and unit condition. Differentiation among these options hinges less on wholesale development advantages than on individual unit attributes—specific block position, floor height, renovation history, and remaining lease tenure often create pricing variance of S$20,000 to S$50,000 between seemingly similar properties. The competitive homogeneity suggests that buyer success depends on careful unit-by-unit comparison rather than viewing one development as materially superior to neighbouring options. Those prioritising MRT proximity should verify walking times precisely, as this factor can influence desirability significantly within the competitive set.

Which unit stacks or floor levels at 835 Yishun Street 81 offer the best value proposition?

Value optimisation at 835 Yishun Street 81 depends on balancing personal preference with market demand patterns. Mid-to-high floor units (typically floors 5-15) often command modest premiums over lower floors due to reduced noise, improved natural light, and enhanced security perception, though these premiums may not justify the price difference from a pure value perspective. Lower floor units (1-4) typically trade at 5-10% discounts, offering genuine value for buyers indifferent to height and willing to accept occasional noise from common areas and external activity. Corner units and those positioned away from lifts generally attract higher interest, though again premiums should be scrutinised against personal living priorities. Interior units often represent better value than corner units, as the marginal premium for external walls may exceed the tangible lifestyle benefit. Buyers should prioritise remaining lease duration, actual unit condition, and functional layout above floor-level considerations when evaluating value.

What is the future supply outlook for HDB units in Yishun, and does this support prices at 835 Yishun Street 81?

Yishun has largely matured in terms of new HDB estate development, with the neighbourhood reaching saturation more than a decade ago. The future pipeline for new HDB construction in this specific district remains minimal, meaning supply of new units will remain constrained. This supply limitation supports underlying demand for resale properties like those at 835 Yishun Street 81, as households seeking to enter or upgrade within the neighbourhood must compete for existing stock rather than accessing newly completed developments. The absence of large-scale new supply announcements provides structural support against excessive resale property depreciation, creating a relatively stable value environment compared to districts experiencing intensive new housing development. However, buyers should recognise that the supply constraint also means limited downstream choice—once a property in this neighbourhood is sold, options for similar units may remain limited until new resale listings emerge, potentially favouring sellers in negotiation scenarios.

[For Sale] Hdb Flat At Yishun Street 81 — From S$600K