3-Room HDB Resale Prices in Central Area (2026)
Median price $542k across 65 transactions in the last 12 months. Latest deals, price distribution, and year-on-year change.
Median Price
$542k
last 12 months
Average Price
$536k
last 12 months
YoY Change
+8.4%
vs prior 12 months
Transactions
65
last 12 months
What This Price Actually Means
Recent 3-room transactions in Central Area average roughly $8,367/sqm. The gap between the cheapest and priciest 3-room unit sold here in the last 12 months is 60% ($410,000 to $655,000) — storey, remaining lease, and renovation condition explain most of that spread within a single town and flat type.
At the median price of $542,000, an 80% LTV HDB concessionary loan over 25 years works out to roughly $1,967/month. Under the 30% MSR rule, that implies a gross household income floor of around $6,600/month just to qualify — before accounting for existing debts or the cash/CPF needed for the downpayment. Run your own numbers on the HDB Affordability Calculator.
Price Range
Number of transactions by price band, last 12 months.
Recent 3-Room Transactions in Central Area
Last 15 recorded sales
| Month | Address | Storey | Area | Price |
|---|---|---|---|---|
| 2026-05 | Blk 635 Veerasamy Rd | 04 TO 06 | 72m² | $575,000 |
| 2026-05 | Blk 633 Veerasamy Rd | 07 TO 09 | 73m² | $576,000 |
| 2026-05 | Blk 536 Upp Cross St | 16 TO 18 | 60m² | $565,000 |
| 2026-05 | Blk 3 Tg Pagar Plaza | 10 TO 12 | 70m² | $655,000 |
| 2026-05 | Blk 9 Selegie Rd | 04 TO 06 | 56m² | $410,888 |
| 2026-05 | Blk 640 Rowell Rd | 07 TO 09 | 74m² | $546,000 |
| 2026-04 | Blk 636 Veerasamy Rd | 04 TO 06 | 72m² | $542,000 |
| 2026-04 | Blk 536 Upp Cross St | 16 TO 18 | 68m² | $610,000 |
| 2026-04 | Blk 1 Tg Pagar Plaza | 22 TO 24 | 59m² | $605,000 |
| 2026-04 | Blk 4 Sago Lane | 04 TO 06 | 57m² | $440,888 |
| 2026-04 | Blk 4 Sago Lane | 16 TO 18 | 67m² | $500,000 |
| 2026-03 | Blk 34 Upp Cross St | 07 TO 09 | 65m² | $460,000 |
| 2026-03 | Blk 536 Upp Cross St | 10 TO 12 | 60m² | $528,000 |
| 2026-03 | Blk 5 Tg Pagar Plaza | 16 TO 18 | 59m² | $580,000 |
| 2026-03 | Blk 1 Tg Pagar Plaza | 07 TO 09 | 59m² | $500,000 |
Source: data.gov.sg · Updated daily
Frequently Asked Questions
What is the median 3-Room HDB resale price in Central Area in 2026?
The median 3-Room HDB resale price in Central Area is $542,000 based on 65 transactions over the last 12 months. Prices ranged from $410,000 to $655,000. Year-on-year change: +8.4%.
Are 3-Room HDB flats in Central Area a good buy?
Whether Central Area 3-Room flats suit you depends on your budget, commute, and life stage. 3-Room flats in Central Area are priced at a median of $542,000. Use the HDB Affordability Calculator to check if this fits your CPF balance, income, and loan eligibility before making a decision.
How much cash do I need to buy a 3-Room HDB resale flat in Central Area?
For a 3-Room flat at the median price of $542,000, assuming an HDB concessionary loan (80% LTV), you need at least 5% in cash ($27,100) plus 15% which can be CPF OA. Additional costs: Buyer's Stamp Duty, legal fees (~$2,000–$3,000), and any COV above valuation. Use the Stamp Duty Calculator for the exact BSD amount.
What grants are available for a 3-Room resale HDB in Central Area?
First-timer buyers of resale HDB flats may be eligible for: the Enhanced CPF Housing Grant (EHG) of up to $80,000 (income-tested), the Proximity Housing Grant (PHG) of $30,000 if buying within 4km of parents, or $20,000 if near parents. These are cash grants credited to your CPF OA and reduce the loan amount needed.
How does the 3-Room HDB price in Central Area compare to nearby towns?
Central Area 3-Room flats are priced at a median of $542,000. For a cross-town comparison, see the HDB Resale Price Tracker which shows all 26 towns side by side. Mature estates like Queenstown, Bishan, and Toa Payoh typically command higher prices; newer towns like Punggol, Sengkang, and Woodlands are generally more affordable.