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HDB rental flat price in Singapore: How much you need to earn to afford different flat types (2022)

HDB rental flat price in Singapore: How much you need to earn to afford different flat types (2022)

新加坡组屋租赁公寓价格：你需要赚多少钱才能买得起不同的公寓类型(2022)
Yahoo Finance ·  2022/08/02 20:00

Rising HDB rental flat prices and demand (well, the booming rental market in Singapore, generally) have been making the headlines in 2021 and 2022.

2021年和2022年，不断上涨的组屋租赁公寓价格和需求(嗯，总体上是新加坡蓬勃发展的租赁市场)一直是头条新闻。

Apart from increased demand for condo rentals as Singapore's borders reopen for expatriates, we also saw robust local demand for HDB rentals. This is likely due to HDB BTO construction delays in the past year, and more young Singaporeans moving out as they crave more space and independence from their parents.

除了随着新加坡边境对外籍人士重新开放，对公寓租赁的需求增加外，我们还看到当地对组屋租赁的强劲需求。这很可能是因为过去一年组屋项目的建设延误，以及越来越多的新加坡年轻人因为渴望更多的空间和独立于父母而搬出去。

Nonetheless, despite rising HDB rental prices did not dampen demand for individuals, couples, and families looking to rent and have their own space. The question is, how much do you need to earn to afford to rent an HDB flat?

尽管如此，尽管组屋租金上涨，但对个人、夫妇和希望租房并拥有自己空间的家庭的需求并未减弱。问题是，你需要赚多少钱才能租得起一套组屋？

Let's look at the HDB rental rates in Singapore and how much monthly salary is required to afford different flat types:

让我们来看看新加坡组屋的租金，以及负担不同类型公寓所需的月薪：

HDB Rental Transactions: How Much Are Current HDB Flat Rental Prices?

组屋租赁交易：目前组屋单位租金是多少？

If you're planning to rent an HDB flat, you'll need to know the market HDB rental rates first. We've done a quick compilation of the median HDB rental prices for 3, 4 and 5-room flats in Singapore, based on the HDB rental transaction data published on HDB's website.

如果你打算租一套组屋，你首先需要知道组屋的市场租金。我们根据房屋发展局网站上公布的房屋发展局租金交易数据，快速编制了新加坡3、4和5个房间的房屋发展局租金中值。

Median HDB Rental Flat Prices (Q2 2022)

房屋及建屋局租金单位价格中值(2022年第二季度)

Towns

1-room

2-room

3-room

4-room

5-room

Executive

Ang Mo Kio

–

*

$2,000

$2,400

$2,650

*

Bedok

–

*

$2,000

$2,400

$2,600

*

Bishan

–

–

$2,200

$2,600

$2,800

*

Bukit Batok

–

*

$1,900

$2,400

$2,450

*

Bukit Merah

*

$1,800

$2,200

$2,900

$3,000

–

Bukit Panjang

–

*

$1,700

$2,300

$2,500

*

Bukit Timah

–

*

*

*

*

*

Central

–

*

$2,350

$3,050

*

–

Choa Chu Kang

–

*

$2,050

$2,200

$2,450

$2,650

Clementi

–

–

$2,200

$2,700

$2,870

–

Geylang

–

*

$1,950

$2,400

$2,700

*

Hougang

–

*

$1,900

$2,200

$2,500

$2,630

Jurong East

–

*

$2,000

$2,350

$2,750

*

Jurong West

–

*

$1,930

$2,400

$2,500

$2,700

Kallang/Whampoa

–

*

$2,130

$2,700

$2,950

*

Marine Parade

–

–

$2,200

$2,430

*

–

Pasir Ris

–

*

*

$2,300

$2,400

$2,780

Punggol

–

*

$2,330

$2,500

$2,300

*

Queenstown

–

*

$2,300

$2,900

$3,200

*

Sembawang

–

*

*

$2,200

$2,400

$2,250

Sengkang

–

*

*

$2,300

$2,400

$2,500

Serangoon

–

*

$2,100

$2,500

$2,700

*

Tampines

–

*

$2,150

$2,350

$2,500

$2,700

Toa Payoh

–

*

$2,000

$2,600

$2,850

*

Woodlands

–

*

$2,000

$2,300

$2,400

$2,500

Yishun

–

*

$1,950

$2,250

$2,400

$2,400

城镇

1个房间

2个房间

3个房间

4个房间

5个房间

执行人员

昂莫乔

–

*

$2,000

$2,400

$2,650

*

贝多克

–

*

$2,000

$2,400

$2,600

*

璧山

–

–

$2,200

$2,600

$2,800

*

武吉巴托克

–

*

$1,900

$2,400

$2,450

*

武吉梅拉

*

$1,800

$2,200

$2,900

$3,000

–

武吉潘江

–

*

$1,700

$2,300

$2,500

*

武吉提玛

–

*

*

*

*

*

中环

–

*

$2,350

$3,050

*

–

乔亚·楚康

–

*

$2,050

$2,200

$2,450

$2,650

克莱门蒂

–

–

$2,200

$2,700

$2,870

–

格朗

–

*

$1,950

$2,400

$2,700

*

后港

–

*

$1,900

$2,200

$2,500

$2,630

句容东

–

*

$2,000

$2,350

$2,750

*

句容西

–

*

$1,930

$2,400

$2,500

$2,700

加朗/黄埔

–

*

$2,130

$2,700

$2,950

*

海军陆战队阅兵

–

–

$2,200

$2,430

*

–

帕西尔·里斯

–

*

*

$2,300

$2,400

$2,780

蓬古岛

–

*

$2,330

$2,500

$2,300

*

皇后镇

–

*

$2,300

$2,900

$3,200

*

三巴旺

–

*

*

$2,200

$2,400

$2,250

僧康

–

*

*

$2,300

$2,400

$2,500

Serangoon

–

*

$2,100

$2,500

$2,700

*

坦皮涅斯

–

*

$2,150

$2,350

$2,500

$2,700

多阿巴约

–

*

$2,000

$2,600

$2,850

*

林地

–

*

$2,000

$2,300

$2,400

$2,500

益顺

–

*

$1,950

$2,250

$2,400

$2,400

Sources: HDB Rental Statistics, HDB Market Rental Rates

资料来源：组屋租金统计、组屋市场租金

*Median rent is not shown as there are fewer than 20 HDB rental transactions for the location and flat type in the quarter.

*租金中位数没有显示，因为该季度有关该地点和单位类型的组屋租金交易不到20宗。

What Are the HDB Rental Rates by Flat Type?

按单位类型划分的组屋租金是多少？

Putting it all together, the above HDB rental transaction data suggests the following HDB rental flat prices:

综上所述，上述组屋租金交易数据显示了以下组屋租金单位价格：

HDB Rental Flat Price Range by Flat Size (Q2 2022)

房屋及建屋局租金单位面积范围(2022年第二季度)

HDB Flat Type

Monthly Rental

3-Room

$1,700 to $2,350

4-Room

$2,200 to $3,050

5-Room

$2,300 to $3,200

HDB扁平型

月租

3个房间

1700美元至2350美元

4个房间

2,200至3,050美元

5个房间

2,300至3,200美元

In general, these are the range of prices you're looking at if you want to rent an entire HDB flat.

一般来说，如果你想租一套完整的安居房，这些都是你要考虑的价格范围。

The lower end of the range typically applies to flats in 'ulu' or non-mature estates (such as Woodlands or Bukit Panjang), while HDB flats in mature or central estates (like Toa Payoh and Kallang/Whampoa) command top dollar.

价格区间的低端通常适用于“乌鲁”或未成熟屋苑(如伍德兰或武吉潘江)的单位，而建于成熟屋苑或中央屋苑(如大巴瑶和加朗/黄埔)的组屋单位售价最高。

Do note that newer developments or those close to amenities such as choice primary schools, MRT stations or bus interchanges might be pricier.

请注意，较新的开发项目或靠近高档小学、地铁站或公共汽车交汇处等便利设施的项目可能会更贵。

Armed with these HDB rental rates, you can now decide which estate and what flat type would best suit your rental budget.

有了这些组屋租金，你现在就可以决定哪个楼盘和什么公寓类型最适合你的租金预算。

What Makes Some HDB Flat Rental Prices Higher?

是什么让一些组屋单位的租金更高？

The compiled HDB rental transactions show us that demand for HDB flat rental units is on the rise. But are there certain factors that influence HDB rental prices across the island?

编制的组屋租赁交易显示，对组屋单位租赁单位的需求正在上升。但是，有没有某些因素会影响全岛的组屋租金呢？

In the past, high HDB rental flat prices may have been closely linked to central locations. But these days, location is becoming less of a defining factor.

在过去，高价的组屋租赁公寓价格可能与中心位置密切相关。但如今，地理位置正变得越来越不是决定性因素。

Property agents Asyraf Azman (PropNex Realty) and Andrew Nair (ERA Realty Network) both observed HDB rental prices increasing across almost all districts.

房地产经纪人Asyraf Azman(PropNex Realty)和Andrew Nair(ERA Realty Network)都观察到几乎所有地区的HDB租金都在上涨。

"No longer is it just limited to districts closer to the CBD, even the heartlands have seen a price increase," shares Asyraf. Andrew agrees, highlighting that he's also seen rising HDB rental prices in suburban areas like Woodlands, Ang Mo Kio, and Tampines. He also notes that HDB flats near the MRT are seeing "the greatest jump".

Asyraf分享道：“它不再局限于更靠近中央商务区的地区，就连中心地带的房价也出现了上涨。”安德鲁对此表示同意，他强调，他也看到了伍德兰兹、昂莫乔和坦皮内斯等郊区组屋租金的上涨。他还指出，捷运附近的组屋正经历“最大幅度的跃升”。

When it comes to the most popular unit types, 4-room and 5-room flats are dominating the HDB rental market. These have three bedrooms, which is a good size for families. According to Cedric Lim from PropNex Realty, even though these are the bigger and more expensive HDB flats, there is still a market for them as private properties of similar sizes are going for twice the price.

当谈到最受欢迎的单元类型时，四室和五室公寓主导着组屋租赁市场。这些房子有三间卧室，对于家庭来说，这是一个很好的尺寸。PropNex Realty的Cedric Lim表示，尽管这些是更大、更贵的组屋公寓，但它们仍然有市场，因为类似面积的私人房产的价格是原来的两倍。

HDB Rental Rates Aside, What Are the Other Costs of Renting?

撇开组屋的租金不谈，租房的其他成本是什么？

It's one thing to be able to afford the rent, but there are some 'unseen' costs you'll need to budget for.

付得起房租是一回事，但还有一些看不见的成本需要你做预算。

For a start, remember to factor in agent fees (if any) and other costs like stamp duty and so on. You might also need to pay a deposit to your landlord when you begin your rental contract (and when your lease ends) – and do read all the terms and conditions carefully.

首先，记住要考虑代理费(如果有的话)和印花税等其他成本。当你开始你的租赁合同(以及你的租赁结束时)时，你可能还需要向你的房东支付押金--并仔细阅读所有条款和条件。

Also, your rental tenancy agreement may or may not cover repairs, so you might need to fork out your own cash to fix stuff (do seek approval from your landlord first). On that note, you might also want to consider insurance. While it's not compulsory, getting a renter's insurance that covers your personal belongings would be wise.

此外，你的租赁协议可能包括也可能不包括维修，所以你可能需要支付自己的现金来修理东西(一定要先征得房东的批准)。在这一点上，你可能还想考虑保险。虽然这不是强制性的，但购买承租人的保险覆盖你的个人物品将是明智的。

Finally, there's moving out and living on your own for the first time. If you previously lived with your parents, it can be a shock to learn how much all these regular costs add up:

最后，你要搬出去，第一次独自生活。如果你以前和父母住在一起，知道所有这些常规费用加在一起会让你大吃一惊：

  • WiFi

  • Utilities (water, electricity, gas)

  • Food and groceries

  • Video streaming (Netflix, Disney+, etc) 

  • Other day-to-day costs

  • WiFi

  • 公用事业(水、电、气)

  • 食品和杂货

  • 视频流(Netflix、Disney+等)

  • 其他日常费用

For example, now that you're living on your own, you cannot 'leech' off – erm, share – your family's WiFi, utilities or air-con. Unless you want to rely solely on your mobile data, you'll need to sign up for a WiFi plan, pay your utilities and electricity bills, air-con servicing, or even buy your own food (if you're from a household that cooks daily). If your family used to watch Netflix together, you might need to upgrade your account to support concurrent users or get your own video streaming service.

例如，现在你一个人住，你就不能把家里的WiFi、水电费或空调“抢”走、共享。除非你想完全依赖你的移动数据，否则你将需要注册WiFi计划，支付你的水电费和电费，空调维修，甚至自己买食物(如果你来自一个每天做饭的家庭)。如果你的家人过去经常一起看Netflix，你可能需要升级你的账户，以支持并发用户或获得你自己的视频流服务。

Don't forget to factor in your usual day-to-day costs, such as eating out, going to the doctor, shopping, transport, and so on. Especially for transport, if your new home is further away from your school/work/kids' schools, you might need to factor in additional costs.

别忘了把日常开销也算进去，比如外出就餐、看病、购物、交通等等。特别是在交通方面，如果你的新家离你的学校/工作单位/孩子的学校更远，你可能需要考虑额外的成本。

How Much of Your Income Should You Budget for HDB Rental?

你应该把你的收入中的多少预算用于组屋租赁？

To be safe, don't spend more than 40% of your income on rent. Remember to include some buffer for unexpected costs, new out-of-pocket fixed costs such as utilities and WiFi, or even some furniture and indoor plants to spruce up your new living quarters. Ideally, you should spend only a third (but we know rental prices are sky-rocketing, so we say, maybe cut back on your daily expenses. After all, something's gotta give).

为了安全起见，不要把收入的40%以上花在房租上。记住，包括一些缓冲的意外费用，新的自掏腰包固定费用，如水电费和WiFi，甚至一些家具和室内植物，以美化你的新生活区。理想情况下，你应该只花三分之一(但我们知道租金飞涨，所以我们说，也许可以削减你的日常开支。毕竟，有些东西是要放弃的)。

Even if you feel you can spend more than 40% of your income on rent, it's better to play it safe. It's smart to keep the remainder for emergencies, and the rest goes towards your day-to-day spending, investments, and/or 'treat yourself' purchases.

即使你觉得你可以把收入的40%以上花在房租上，但最好还是谨慎行事。明智的做法是留着剩余的钱以备不时之需，剩下的钱则用于日常消费、投资和/或“款待自己”的购物。

Also, this 40% should be calculated against your take-home income; so if your salary is $5,000 a month, this means you have $4,000 take-home income a month, and you can spend up to $1,600/month on rent.

此外，这40%应该根据你的实得收入计算；因此，如果你的月薪是5000美元，这意味着你每个月有4000美元的实得收入，你可以每月花费高达1600美元的房租。

Effectively, this means an individual can only afford to rent a 3-room flat in a non-mature estate like Woodlands unless shared amongst housemates or a partner.

实际上，这意味着个人只能在伍德兰兹这样的非成熟地产租得起一套三室公寓，除非与室友或伴侣合租。

How Much Do You Need to Earn to Afford Current HDB Rental Rates in 2022?

你需要赚多少钱才能在2022年负担得起目前的组屋租金？

Going back to the table on average HDB rental prices, let's work backwards and calculate how much you need to earn to afford to rent the various flat types.

回到房屋租赁局平均租金的表上，让我们倒过来计算一下，你需要赚多少钱才能租得起各种类型的公寓。

HDB Rental Rates and How Much You Need to Earn

组屋租金和你需要赚多少钱

Assuming your rent is 40% of your take-home income, this is how much you should be earning:

假设你的房租是你实得收入的40%，这就是你应该赚的钱：

Type of HDB flat for rent

HDB rental rates (per month)

Take-home income needed (per month)

Gross monthly salary needed

3-Room (cheaper)

$1,700

$4,250

$5,313

3-Room (more expensive)

$2,350

$5,875

$7,344

4-Room (cheaper)

$2,200

$5,500

$6,875

4-Room (more expensive)

$3,050

$7,625

$9,531

5-room (cheaper)

$2,300

$5,750

$7,188

5-room (more expensive)

$3,200

$8,000

$10,000

供出租的组屋单位类型

组屋租金(每月)

所需实得收入(每月)

所需的月薪总额

3个房间(更便宜)

$1,700

$4,250

$5,313

三间房(更贵)

$2,350

$5,875

$7,344

4间房(更便宜)

$2,200

$5,500

$6,875

4间房(更贵)

$3,050

$7,625

$9,531

5个房间(更便宜)

$2,300

$5,750

$7,188

5个房间(更贵)

$3,200

$8,000

$10,000

According to Ministry of Manpower figures, $4,680 was the median gross monthly income from work, including CPF contributions, of full-time employed residents in 2021.

根据人力部的数据，2021年，包括中央公积金缴费在内的全职就业居民每月工作总收入的中位数为4680美元。

This works out to about $3,200 take-home income from work a month. Hence, a working individual has $1,280/month to spend on rent – which is lower than the median rental amount of a 3-room HDB unit in a non-mature estate.

这相当于每月约3200美元的工作实得收入。因此，一个有工作的人每月有1,280美元的租金--这比一个未成熟屋苑的3个房间的组屋单位的租金中值要低。

So if HDB rental flat prices are out of your budget, you'll probably need to look for cheaper units, find a housemate/partner to share the rental costs or consider renting a room instead (since HDB room rental prices are considerably lower than the rental for the entire flat).

因此，如果组屋出租公寓的价格超出了你的预算，你可能需要寻找更便宜的单元，找一个室友/伴侣分担租金，或者考虑租一个房间(因为组屋的租金比整个公寓的租金低得多)。

Tips for Negotiating Monthly HDB Rental Rates

房屋租户月租议价小贴士

Is it possible to negotiate for a lower HDB rental rate? Yes! Before you despair, here are some strategies you can employ to push down your HDB rental flat price by a possible 10% to 15%:

有没有可能协商出一个较低的组屋租金？是!在你绝望之前，这里有一些策略可以让你的住房租赁价格下降10%到15%：

1. Take Up a Longer Lease

1.租期更长

Confident that you'll be renting this unit for some time? The same principle of 'buying in bulk' to save more applies here. Negotiate a longer lease with your landlord for a cheaper base price each month.

你确信你会在一段时间内租用这套公寓吗？同样的原则--“大量购买”以节省更多资金--也适用于此。每月与你的房东协商一份更长的租约，以获得更便宜的底价。

2. Compare HDB Rental Prices

2.比较组屋租赁价格

When it comes to HDB rental flat prices, it's good to cross-compare rates of neighbouring developments just in case your landlord might be overcharging you. Check for HDB rental transactions in the same development, or better still, in your exact same block.

当谈到组屋租赁公寓的价格时，最好是交叉比较邻近开发项目的价格，以防你的房东可能会向你收取过高的价格。查看同一开发项目中的组屋租赁交易，或者更好的是，在您的完全相同的街区。

HDB has a nifty HDB Rental Rates portal where you can search for the past year's HDB rental transactions by block/street. You can also check out our listings of HDB units for rent to see what other landlords are asking for (plus view the condition of the house through the pictures, etc).

HDB有一个很棒的HDB租金门户网站，在那里您可以按街区/街道搜索过去一年的HDB租金交易。你也可以查看我们的组屋出租单位列表，看看其他房东有什么要求(加上通过图片查看房子的状况等)。

3. Is the Unit Furnished?

3.设备配备齐全了吗？

Speaking of images, our HDB for rent listings also indicate if the unit is fully furnished, partially furnished or unfurnished. A fully furnished unit will definitely command a higher HDB rental price.

说到图像，我们的房屋租赁库还会显示该单元是全套家具、部分家具还是未配备家具。一个家具齐全的单位肯定会要求更高的组屋租金。

However, it's not always cheaper to rent an unfurnished HDB flat and decorate it to your liking. Make sure you calculate your furnishings budget because that gold 4-poster bed might likely tear a hole in your wallet.

然而，租一套不带家具的组屋并按照你的喜好进行装修并不总是更便宜。一定要计算你的家具预算，因为那张金色的四柱床可能会在你的钱包上撕开一个洞。

Do also compare like for like; an unfurnished house should not cost the same to rent as a fully furnished unit.

也要以牙还牙；没有家具的房子不应该和有家具的房子的租金一样。

4. Mind Games?

4.心理游戏？

The other tactics involve a bit of psychology – for example, some landlords/agents may relent and offer a lower price if you play 'hard to get' and don't seem enthusiastic about the unit or agree on the price from the beginning.

另一种策略则涉及一些心理因素--比如，如果你表现得很难得到，而且从一开始就对这套公寓不感兴趣，或者对价格不太认同，一些房东/中介可能会心软，给出更低的价格。

If you build a good rapport with the agent/landlord, they may also offer you a better price. It might also be helpful to name your price – after doing your homework on HDB rental transactions, of course – during the final negotiation.

如果你与经纪人/房东建立了良好的关系，他们也可能会给你更好的价格。当然，在最后的谈判中，在做完组屋租赁交易的功课后，说出你的价格也可能是有帮助的。

声明：本内容仅用作提供资讯及教育之目的，不构成对任何特定投资或投资策略的推荐或认可。 更多信息
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