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Property Insights · September 2026

What's shaping the Singapore property market right now

Curated analysis on new launches, government plans, and what they mean for buyers and sellers.
+1.4%Private home prices · 3Q 2026 flash (URA)
Market Data & Prices
URA's flash estimate shows the fastest price rise since late 2024, led by the suburbs at +2.2%, on about 30% fewer transactions. Lucerne Grand's 61% launch weekend and a record EC land bid show where buyers are putting their money.
Joanne · 5 min read · October 2026
2%+Several bank fixed-rate packages · early Oct 2026
Financing & Interest Rates
After the US Fed's first rate hike in three years, several Singapore banks have pushed fixed home loan rates past 2%, and SORA is edging up. Here's what it costs you in real dollars, and how I'd think about fixed versus floating right now.
Joanne · 6 min read · October 2026
Earning $4,500 a month together: which resale HDB flat can you actually buy?
$150kGrants for a $4,500-income couple buying a 2- to 4-room resale flat
HDB & Resale
With grants of up to $150,000 and an HDB loan of about $285,000, a first-timer couple on $4,500 a month can look at flats up to roughly $435,000 to $485,000. The catch is the lease.
Joanne · 6 min read · October 2026
After the Hungry Ghost lull: your Q4 2026 new launch playbook
153New homes sold · August 2026 (−79% m-o-m)
New Launches
Developers sold just 153 homes in August, the lowest since February 2024. Now Lucerne Grand, Thomson Reserve and Amberwood at Holland are lining up for the final quarter. Here's how I'd prepare.
Joanne · 6 min read · September 2026
201 million-dollar HDB flats in one month. So why are overall prices flat?
201$1m+ HDB resales · August 2026
HDB & Resale
August 2026 set a new record for $1m+ HDB resales, yet overall resale prices barely moved. A small group of large, central flats is pulling away from the rest. Here's how I read it if you're selling, upgrading or buying.
Joanne · 6 min read · September 2026
Record land bids are setting up $3,000 psf suburban condos. What does that mean for today's launches?
$1,537psf ppr · new OCR land record (Bedok)
GLS & Land Sales
Bedok, Sin Ming and Dunearn Road all drew record land bids this year. Land cost sets a floor under launch prices, so projects on older, cheaper land may look like better value in hindsight.
Joanne · 6 min read · September 2026
NDR 2026 housing changes: who now qualifies for BTO, EC and grants
$18kNew EC household income ceiling
Policy & Regulations
Income ceilings rose for the first time since 2019: $16,000 for BTO, $18,000 for ECs. Newer ECs also carry a 10-year MOP. Here's which rules apply to which project.
Joanne · 5 min read · September 2026
P1 registration is changing in 2027: is living within 1km of a popular school still worth the premium?
12Popular schools with a new two-track Phase 2C
Buyer Guide
From the 2027 exercise, Phase 2C grows from 40 to 60 places, and 12 popular schools will reserve half of those for children living beyond 2km. Here's what that means if you've been paying up for proximity.
Joanne · 5 min read · September 2026
2026's tightest new launch market in years, and why that matters for buyers
~7,000New launch units expected in 2026 · fewest since 2023
New Launches
Developers are expected to launch up to about 7,000 private homes this year, the fewest since 2023. Fewer choices mean faster launch weekends and less room to negotiate. The bigger land-sale pipeline arrives in 2027 and 2028.
Joanne · 6 min read · August 2026
Cooling measures in 2026: what's changed and what hasn't
60%Foreign ABSD · Still in force
Policy & Regulations
ABSD, TDSR and loan limits are unchanged. Seller's stamp duty now runs four years, HDB loans are capped at 75%, and one rule was relaxed in July: the 15-month wait-out for private owners.
Joanne · 5 min read
Paya Lebar Airbase: Singapore's biggest land release, and what it means for buyers today
800haPaya Lebar Airbase · 2030s release
Macro & Masterplan
About 800 hectares in the east, up to 150,000 homes, and a timeline measured in decades. The nearer effect is the gradual lifting of height limits around Hougang, Marine Parade and Geylang.
Joanne · 7 min read
Greater Southern Waterfront: which districts benefit, and when?
2,000haGreater Southern Waterfront
Analysis
30km of southern coastline and about 2,000 hectares, decades in the making. HarbourFront and Telok Blangah are moving first. Pasir Panjang and Marina South are 2030s stories.
Joanne · 6 min read

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Disclaimer. The articles on this page are curated for general informational purposes only and do not constitute financial, legal or investment advice. Market data, timelines and government plans cited are sourced from publicly available information as at September 2026 and are subject to change. Always verify with URA, HDB, IRAS and MAS before making property decisions. Joanne, CEA Reg. R073465F, Huttons Asia Pte Ltd, Licence No. L3008899K.