4-Room HDB Resale Prices in Toa Payoh (2026)
Median price $989k across 312 transactions in the last 12 months. Latest deals, price distribution, and year-on-year change.
Median Price
$989k
last 12 months
Average Price
$934k
last 12 months
YoY Change
+2.3%
vs prior 12 months
Transactions
312
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 $989,000, an 80% LTV HDB concessionary loan over 25 years works out to roughly $3,589/month. Under the 30% MSR rule, that implies a gross household income floor of around $12,000/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.
Toa Payoh charges a premium for 4-room flats and the 312 deals a year say people keep paying it. Worth knowing who you're bidding against: buyers here are mostly upgrading for location or schools, not stretching for a first home. That makes demand less sensitive to grant changes and more sensitive to interest rates. When rates move, this segment feels it first.
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 $989,000 based on 312 transactions over the last 12 months. Prices ranged from $420,000 to $1,368,000. Year-on-year change: +2.3%.
Are 4-Room HDB flats in Toa Payoh a good buy?
4-Room flats in Toa Payoh are priced at a median of $989,000 based on 312 transactions in the last 12 months, with prices up 2.3% year-on-year. That puts Toa Payoh among the pricier across Singapore's 26 towns for 4-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 4-Room HDB resale flat in Toa Payoh?
For a 4-Room flat at the median price of $989,000, assuming an HDB concessionary loan (80% LTV), you need at least 5% in cash ($49,450) 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 other towns?
Among the 26 towns with 4-Room resale transactions in the last 12 months, Toa Payoh ranks 24 of 26, among the pricier at a median of $989,000. The most affordable town is Jurong West at $535,888, while Central Area is the priciest at $1,175,000. See the HDB Resale Price Tracker for the full side-by-side view.