Eligibility calculator

Eligibility calculator is a tool that gives a general indication of the housing options you may qualify for based on your profile and current home ownership status. It is meant as a guide only, and you should verify your eligibility with HDB or a property agent for confirmation.

This calculator is designed for anyone in Singapore looking to buy a home, whether you're a first-timer, a Singapore Citizen, Permanent Resident, or a mixed-nationality couple. It gives you a quick snapshot of which housing options you may be eligible for based on your profile.

Yes, it does. Owning an HDB flat or private property affects your eligibility for new BTO flats, housing grants, and whether you must observe the 15-month wait-out period before buying an HDB resale flat. The calculator factors in your current ownership status to provide a more accurate view of your options.

Most foreigners purchasing residential property in Singapore are subject to ABSD — currently 60% for a first purchase. However, under Free Trade Agreements (FTAs), nationals and permanent residents of Liechtenstein, Iceland, Norway, Switzerland, and the United States are exempt. This means eligible nationals are not required to pay ABSD on their first residential property purchase, just like Singapore Citizens. However, they are still limited to only purchasing private residential properties like condos, apartments, and privatised executive condominiums.

Your household income helps determine the types of housing and grants you may qualify for. The current monthly income ceiling for couples/families is S$14,000 for BTO flats, and S$16,000 for new executive condominiums (ECs). In the resale market, an income ceiling of S$14,000 also applies when purchasing a “Plus” HDB flat. Income also affects grant eligibility. For instance, the Enhanced CPF Housing Grant (EHG) is available to households earning S$9,000 or less per month.