4-Room HDB Resale Prices in Toa Payoh (2026)
Median price $981k across 394 transactions in the last 12 months. Latest deals, price distribution, and year-on-year change.
Median Price
$981k
last 12 months
Average Price
$926k
last 12 months
YoY Change
+3.3%
vs prior 12 months
Transactions
394
last 12 months
What This Price Actually Means
Recent 4-room transactions in Toa Payoh average roughly $11,054/sqm. The gap between the cheapest and priciest 4-room unit sold here in the last 12 months is 226% ($420,000 to $1,368,000) — storey, remaining lease, and renovation condition explain most of that spread within a single town and flat type.
At the median price of $981,444, an 80% LTV HDB concessionary loan over 25 years works out to roughly $3,562/month. Under the 30% MSR rule, that implies a gross household income floor of around $11,900/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 4-Room Transactions in Toa Payoh
Last 15 recorded sales
| Month | Address | Storey | Area | Price |
|---|---|---|---|---|
| 2026-06 | Blk 264 Toa Payoh East | 22 TO 24 | 93m² | $1,055,000 |
| 2026-06 | Blk 213 Lor 8 Toa Payoh | 13 TO 15 | 82m² | $465,000 |
| 2026-06 | Blk 122 Lor 2 Toa Payoh | 19 TO 21 | 101m² | $928,000 |
| 2026-06 | Blk 146 Lor 2 Toa Payoh | 28 TO 30 | 86m² | $960,000 |
| 2026-06 | Blk 102B Bidadari Pk Dr | 07 TO 09 | 93m² | $1,065,000 |
| 2026-06 | Blk 103A Bidadari Pk Dr | 13 TO 15 | 93m² | $1,130,000 |
| 2026-06 | Blk 105A Bidadari Pk Dr | 04 TO 06 | 94m² | $1,110,888 |
| 2026-06 | Blk 104A Bidadari Pk Dr | 07 TO 09 | 93m² | $1,088,000 |
| 2026-06 | Blk 101A Bidadari Pk Dr | 10 TO 12 | 93m² | $1,152,888 |
| 2026-06 | Blk 118A Alkaff Cres | 07 TO 09 | 93m² | $1,090,000 |
| 2026-06 | Blk 111A Alkaff Cres | 10 TO 12 | 93m² | $1,150,000 |
| 2026-05 | Blk 264 Toa Payoh East | 19 TO 21 | 93m² | $1,022,000 |
| 2026-05 | Blk 261 Toa Payoh East | 10 TO 12 | 93m² | $978,888 |
| 2026-05 | Blk 79E Toa Payoh Ctrl | 28 TO 30 | 76m² | $875,000 |
| 2026-05 | Blk 79D Toa Payoh Ctrl | 31 TO 33 | 91m² | $1,075,000 |
Source: data.gov.sg · Updated daily
Frequently Asked Questions
What is the median 4-Room HDB resale price in Toa Payoh in 2026?
The median 4-Room HDB resale price in Toa Payoh is $981,444 based on 394 transactions over the last 12 months. Prices ranged from $420,000 to $1,368,000. Year-on-year change: +3.3%.
Are 4-Room HDB flats in Toa Payoh a good buy?
Whether Toa Payoh 4-Room flats suit you depends on your budget, commute, and life stage. 4-Room flats in Toa Payoh are priced at a median of $981,444. 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 4-Room HDB resale flat in Toa Payoh?
For a 4-Room flat at the median price of $981,444, assuming an HDB concessionary loan (80% LTV), you need at least 5% in cash ($49,072) 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 4-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 4-Room HDB price in Toa Payoh compare to nearby towns?
Toa Payoh 4-Room flats are priced at a median of $981,444. 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.