Property Cost in Singapore (2026)

Cluster Overview

Property ownership in Singapore is a leveraged capital allocation decision. The drivers are not just mortgage instalments — they are interest sensitivity, liquidity lock-up, buyer/seller friction, and exit risk.

Start Here (Fast Path)

1) Anchor the baseline engine: Property Ownership Cost (2026): 5-Year Total Exposure Model
2) Choose the branch that matches your decision: BTO vs Resale · Condo Ownership · Rental Property Ownership
3) If you might sell earlier than planned, treat exit friction as the main risk (not “price prediction”).

Core Ownership Models

Property Ownership Cost (Pillar): 5-Year Total Exposure Model
BSD & ABSD (Stamp Duty): Upfront Buyer Friction Explained
Mortgage Interest Cost: How Much You Really Pay Over 25–30 Years
Rent vs Buy Property in Singapore (2026): 5-Year Cost & Liquidity Framework
BTO vs Resale: Full Cost Comparison
The Real Cost of Owning a Condo in Singapore
The Real Cost of Owning a Rental Property in Singapore
Buy Property Now or Wait? (Timing Framework)
How Much Cash Do You Need to Buy Property in Singapore?

How To Use This Section

Start with the 5-year exposure model (pillar)
Stress-test interest rates (0.5% moves matter)
Price buyer + seller friction (BSD, legal, agent fees)
Decide with holding period + exit risk, not “PSF stories”

Property is not just price per square foot. It is capital structure + liquidity.