Prices · Toa Payoh · Toa Payoh Central
Block 79C Toa Payoh Central
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What this block is
| Address | Block 79C Toa Payoh Central, Toa Payoh |
| Flat types here | 4-room, 5-room — on the evidence of 41 sales since Jan 2017, so a type that has never been resold here will not appear |
| Unit sizes | 4-room about 980 sq ft, 5-room about 1,184 sq ft (980 to 1,184 sq ft across the block) |
| Lease | 99 years from 2009, expiring 2108 — 82 years left |
| Floors that have sold | 1 to 42, so the block stands at least 42 storeys |
| Flat models | Model A, Improved |
| Town and district | Toa Payoh |
| Compare it with | the rest of Toa Payoh Central, 4-room flats across Toa Payoh |
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 $1,719 for every month of the 82 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 | $276,100 |
| Mortgage interest over 25 years | $315,391 |
| Running costs over the remaining lease | $354,240 |
| Total over the lease | $1,691,981 |
| Monthly while repaying | $3,899 |
| 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 just four sales, which is too few to call a market rate.
By flat type
| Type | Median | Range | Size | psf | Sales |
|---|---|---|---|---|---|
| 4-room | $760,000 | $630,000–$1,000,000 | 980 sq ft | 776 | 22 |
| 5-room | $950,888 | $880,000–$1,285,000 | 1,184 sq ft | 803 | 19 |
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 | $665,000 | 672 psf | 2 |
| 04 to 06 | $900,000 | 835 psf | 6 |
| 07 to 09 | $730,000 | 737 psf | 1 |
| 10 to 12 | $832,500 | 766 psf | 2 |
| 13 to 15 | $932,000 | 823 psf | 5 |
| 16 to 18 | $842,000 | 768 psf | 8 |
| 19 to 21 | $844,000 | 780 psf | 2 |
| 22 to 24 | $931,500 | 951 psf | 4 |
| 25 to 27 | $1,000,000 | 845 psf | 3 |
| 28 to 30 | $920,000 | 777 psf | 1 |
| 31 to 33 | $1,095,000 | 925 psf | 4 |
| 37 to 39 | $1,024,888 | 866 psf | 2 |
| 40 to 42 | $925,000 | 955 psf | 1 |
Year by year
| 2017 | $814,000 | 762 psf | six sales |
| 2018 | $815,000 | 754 psf | four sales |
| 2019 | $765,000 | 771 psf | five sales |
| 2020 | $901,500 | 761 psf | two sales |
| 2021 | $730,000 | 743 psf | five sales |
| 2022 | $875,000 | 845 psf | five sales |
| 2023 | $1,036,944 | 941 psf | four sales |
| 2024 | $1,119,000 | 1032 psf | four sales |
| 2025 | $1,085,000 | 992 psf | two sales |
| 2026 | $995,000 | 1016 psf | four sales |
41 transactions in all, from Jan 2017 to Oct 2026. The flat models recorded here are Model A, Improved.