3-Room HDB Resale Prices in Toa Payoh (2026)
Median price $390k across 397 transactions in the last 12 months. Latest deals, price distribution, and year-on-year change.
Median Price
$390k
last 12 months
Average Price
$464k
last 12 months
YoY Change
+0.8%
vs prior 12 months
Transactions
397
last 12 months
What This Price Actually Means
Recent 3-room transactions in Toa Payoh average roughly $6,778/sqm. The gap between the cheapest and priciest 3-room unit sold here in the last 12 months is 232% ($280,000 to $930,000) — storey, remaining lease, and renovation condition explain most of that spread within a single town and flat type.
At the median price of $390,000, an 80% LTV HDB concessionary loan over 25 years works out to roughly $1,415/month. Under the 30% MSR rule, that implies a gross household income floor of around $4,800/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 Toa Payoh
Last 15 recorded sales
| Month | Address | Storey | Area | Price |
|---|---|---|---|---|
| 2026-06 | Blk 26 Toa Payoh East | 01 TO 03 | 67m² | $333,000 |
| 2026-06 | Blk 263 Toa Payoh East | 19 TO 21 | 68m² | $735,000 |
| 2026-06 | Blk 27 Toa Payoh East | 10 TO 12 | 67m² | $333,000 |
| 2026-06 | Blk 114 Potong Pasir Ave 1 | 07 TO 09 | 67m² | $420,000 |
| 2026-06 | Blk 57 Lor 5 Toa Payoh | 07 TO 09 | 61m² | $307,000 |
| 2026-06 | Blk 116 Lor 2 Toa Payoh | 13 TO 15 | 63m² | $345,000 |
| 2026-06 | Blk 116 Lor 2 Toa Payoh | 07 TO 09 | 63m² | $355,000 |
| 2026-06 | Blk 195 Kim Keat Ave | 01 TO 03 | 66m² | $330,000 |
| 2026-06 | Blk 103A Bidadari Pk Dr | 10 TO 12 | 68m² | $825,000 |
| 2026-05 | Blk 7 Upp Aljunied Lane | 10 TO 12 | 68m² | $700,000 |
| 2026-05 | Blk 199 Toa Payoh Nth | 04 TO 06 | 65m² | $388,000 |
| 2026-05 | Blk 199 Toa Payoh Nth | 10 TO 12 | 65m² | $428,000 |
| 2026-05 | Blk 27 Toa Payoh East | 04 TO 06 | 67m² | $360,000 |
| 2026-05 | Blk 26 Toa Payoh East | 01 TO 03 | 67m² | $350,000 |
| 2026-05 | Blk 139 Potong Pasir Ave 3 | 01 TO 03 | 74m² | $587,000 |
Source: data.gov.sg · Updated daily
Frequently Asked Questions
What is the median 3-Room HDB resale price in Toa Payoh in 2026?
The median 3-Room HDB resale price in Toa Payoh is $390,000 based on 397 transactions over the last 12 months. Prices ranged from $280,000 to $930,000. Year-on-year change: +0.8%.
Are 3-Room HDB flats in Toa Payoh a good buy?
Whether Toa Payoh 3-Room flats suit you depends on your budget, commute, and life stage. 3-Room flats in Toa Payoh are priced at a median of $390,000. 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 Toa Payoh?
For a 3-Room flat at the median price of $390,000, assuming an HDB concessionary loan (80% LTV), you need at least 5% in cash ($19,500) 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 Toa Payoh?
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 Toa Payoh compare to nearby towns?
Toa Payoh 3-Room flats are priced at a median of $390,000. 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.