5-Room HDB Resale Prices in Toa Payoh (2026)
Median price $1.06m across 135 transactions in the last 12 months. Latest deals, price distribution, and year-on-year change.
Median Price
$1.06m
last 12 months
Average Price
$1.06m
last 12 months
YoY Change
+2.3%
vs prior 12 months
Transactions
135
last 12 months
What This Price Actually Means
Recent 5-room transactions in Toa Payoh average roughly $8,627/sqm. The gap between the cheapest and priciest 5-room unit sold here in the last 12 months is 204% ($510,000 to $1,550,000) — storey, remaining lease, and renovation condition explain most of that spread within a single town and flat type.
At the median price of $1,060,000, an 80% LTV HDB concessionary loan over 25 years works out to roughly $3,847/month. Under the 30% MSR rule, that implies a gross household income floor of around $12,900/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 5-Room Transactions in Toa Payoh
Last 15 recorded sales
| Month | Address | Storey | Area | Price |
|---|---|---|---|---|
| 2026-06 | Blk 153 Lor 2 Toa Payoh | 10 TO 12 | 124m² | $1,165,000 |
| 2026-06 | Blk 105B Bidadari Pk Dr | 04 TO 06 | 114m² | $1,380,000 |
| 2026-05 | Blk 145 Potong Pasir Ave 2 | 13 TO 15 | 143m² | $1,050,000 |
| 2026-05 | Blk 229 Lor 8 Toa Payoh | 16 TO 18 | 117m² | $670,000 |
| 2026-05 | Blk 11 Lor 8 Toa Payoh | 07 TO 09 | 122m² | $830,000 |
| 2026-05 | Blk 49 Lor 5 Toa Payoh | 01 TO 03 | 124m² | $898,000 |
| 2026-05 | Blk 81 Lor 4 Toa Payoh | 22 TO 24 | 122m² | $1,250,000 |
| 2026-05 | Blk 82B Lor 4 Toa Payoh | 04 TO 06 | 121m² | $1,060,000 |
| 2026-05 | Blk 82B Lor 4 Toa Payoh | 01 TO 03 | 121m² | $1,036,800 |
| 2026-05 | Blk 84A Lor 2 Toa Payoh | 13 TO 15 | 122m² | $1,260,000 |
| 2026-05 | Blk 138C Lor 1a Toa Payoh | 10 TO 12 | 110m² | $1,340,000 |
| 2026-05 | Blk 239 Lor 1 Toa Payoh | 19 TO 21 | 120m² | $913,800 |
| 2026-05 | Blk 11 Joo Seng Rd | 16 TO 18 | 123m² | $785,888 |
| 2026-05 | Blk 106B Bidadari Pk Dr | 04 TO 06 | 113m² | $1,260,000 |
| 2026-04 | Blk 217 Lor 8 Toa Payoh | 01 TO 03 | 117m² | $650,000 |
Source: data.gov.sg · Updated daily
Frequently Asked Questions
What is the median 5-Room HDB resale price in Toa Payoh in 2026?
The median 5-Room HDB resale price in Toa Payoh is $1,060,000 based on 135 transactions over the last 12 months. Prices ranged from $510,000 to $1,550,000. Year-on-year change: +2.3%.
Are 5-Room HDB flats in Toa Payoh a good buy?
Whether Toa Payoh 5-Room flats suit you depends on your budget, commute, and life stage. 5-Room flats in Toa Payoh are priced at a median of $1,060,000. 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 5-Room HDB resale flat in Toa Payoh?
For a 5-Room flat at the median price of $1,060,000, assuming an HDB concessionary loan (80% LTV), you need at least 5% in cash ($53,000) 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 5-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 5-Room HDB price in Toa Payoh compare to nearby towns?
Toa Payoh 5-Room flats are priced at a median of $1,060,000. 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.