3-Room HDB Resale Prices in Toa Payoh (2026)
Median price $385k across 321 transactions in the last 12 months. Latest deals, price distribution, and year-on-year change.
Median Price
$385k
last 12 months
Average Price
$464k
last 12 months
YoY Change
-3.3%
vs prior 12 months
Transactions
321
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 $385,000, an 80% LTV HDB concessionary loan over 25 years works out to roughly $1,397/month. Under the 30% MSR rule, that implies a gross household income floor of around $4,700/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.
3-Room prices in Toa Payoh have slipped 3.3% year-on-year on 321 transactions. Before you celebrate a falling market, check one thing: single town-and-type declines are often just a cluster of old-lease blocks transacting cheap and dragging the median down. Scan the deals below. If the cheap ones sit in the same few blocks, the "decline" may not apply to the flat you actually want.
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 $385,000 based on 321 transactions over the last 12 months. Prices ranged from $280,000 to $930,000. Year-on-year change: -3.3%.
Are 3-Room HDB flats in Toa Payoh a good buy?
3-Room flats in Toa Payoh are priced at a median of $385,000 based on 321 transactions in the last 12 months, with prices down 3.3% year-on-year. That puts Toa Payoh among the more affordable across Singapore's 26 towns for 3-Room prices. Whether it suits you depends on your commute, budget, and life stage. Use the HDB Affordability Calculator to check if this price fits your CPF balance and income.
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 $385,000, assuming an HDB concessionary loan (80% LTV), you need at least 5% in cash ($19,250) 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 other towns?
Among the 26 towns with 3-Room resale transactions in the last 12 months, Toa Payoh ranks 2 of 26, among the more affordable at a median of $385,000. The most affordable town is Geylang at $370,000, while Pasir Ris is the priciest at $605,000. See the HDB Resale Price Tracker for the full side-by-side view.