Prices · Hougang · Hougang Avenue 3 · D19 Serangoon Garden
Block 21 Hougang Avenue 3
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What this block is
| Address | Block 21 Hougang Avenue 3, Hougang, Singapore 530021 |
| Flat types here | 3-room, 4-room — on the evidence of 27 sales since Jan 2017, so a type that has never been resold here will not appear |
| Unit sizes | 3-room about 786 sq ft, 4-room about 1,055 sq ft (786 to 1,055 sq ft across the block) |
| Lease | 99 years from 1978, expiring 2077 — 51 years left |
| Floors that have sold | 1 to 12, so the block stands at least 12 storeys |
| Flat models | New Generation |
| Town and district | Hougang, district 19 (Serangoon Garden, Hougang, Punggol) |
| Compare it with | the rest of Hougang Avenue 3, 3-room flats across Hougang |
Two things this page deliberately does not have. There is no floor plan: the resale register carries none, and drawing one from the median floor area would be an invention. And there is no nearest station, for the same reason — no rail data is published here, so the distance would be guessed. What is near this block, measured rather than assumed, is the food: hawker centres within a walk.
What a flat here really costs each month
Bought at the median price, a flat in this block works out at $1,291 for every month of the 51 years its lease still has to run. That figure takes in the price itself, both stamp duties, legal and valuation fees, the whole of the mortgage interest and the running costs for as long as the lease lasts.
It is a different question from the monthly instalment, which stops after 25 years while the lease carries on being used up.
| Cash needed up front | $116,500 |
| Mortgage interest over 25 years | $134,715 |
| Running costs over the remaining lease | $220,320 |
| Total over the lease | $790,285 |
| Monthly while repaying | $1,872 |
| Monthly once repaid | $360 |
Assumes a Singapore citizen buying a first home with a 75 per cent loan at 3 per cent over 25 years, $2,500 in legal fees, $400 for valuation, $1,200 a year in property tax and $260 a month for conservancy, upkeep and insurance. Change any of these. Figures are not discounted: a dollar paid in the final year of the lease is counted the same as a dollar paid today. Opportunity cost, CPF accrued interest and any resale value are excluded.
The median above is based on a single sale, so treat it as an anecdote rather than a rate.
By flat type
| Type | Median | Range | Size | psf | Sales |
|---|---|---|---|---|---|
| 3-room | $315,000 | $262,500–$435,228 | 786 sq ft | 388 | 21 |
| 4-room | $445,444 | $330,000–$519,000 | 1,055 sq ft | 422 | 6 |
By floor
Measured inside a block, where the address, the age and the lease are all held still, a storey is worth about 0.63 per cent of the price per square foot — so the difference between the second floor and the twentieth is roughly 11 per cent, not the 2.1 times the market-wide storey bands appear to show. Why those bands mislead.
| 01 to 03 | $306,500 | 372 psf | 10 |
| 04 to 06 | $435,228 | 459 psf | 5 |
| 07 to 09 | $315,000 | 388 psf | 5 |
| 10 to 12 | $360,000 | 370 psf | 7 |
Year by year
| 2017 | $301,500 | 354 psf | eight sales |
| 2018 | $276,250 | 352 psf | two sales |
| 2019 | $315,000 | 333 psf | three sales |
| 2020 | $295,000 | 375 psf | one sale |
| 2021 | $318,000 | 405 psf | one sale |
| 2022 | $370,000 | 471 psf | two sales |
| 2023 | $360,000 | 458 psf | five sales |
| 2024 | $380,000 | 484 psf | one sale |
| 2025 | $505,000 | 479 psf | three sales |
| 2026 | $425,000 | 541 psf | one sale |
27 transactions in all, from Jan 2017 to June 2026. The flat models recorded here are New Generation.