By MoneyBees
See which CPF housing grants you can get for a BTO or resale flat and how much: the Enhanced CPF Housing Grant by income, the resale Family or Singles Grant, the Proximity Housing Grant and the Step-Up Grant, on HDB's current tables and the S$16,000 ceiling from 24 Aug 2026.
A first-timer has never had a housing subsidy, such as a new HDB flat or a grant.
Gross, averaged over the 12 months before you apply for the HFE letter.
Grants you may get
$70,000
paid into your CPF Ordinary Account
BTO income ceiling
$16,000
you are within it
| Grant | Amount |
|---|---|
| Enhanced CPF Housing Grant (EHG)household income up to S$9,000 | $70,000 |
A BTO flat is already priced with a subsidy, so only the EHG is added. The resale grants and PHG are for resale flats.
Leave your email and we'll save this scenario so a MoneyBees adviser can follow up.
Or book a free chat if you'd rather talk it through.
First-timer families use household income. Singles use their own income. First-timer and second-timer couples use half their household income.
| Monthly income | Families | Income band (singles, half for mixed couples) | Singles |
|---|---|---|---|
| Up to S$1,500 | $120,000 | Up to S$750 | $60,000 |
| S$1,501 to S$2,000 | $110,000 | S$751 to S$1,000 | $55,000 |
| S$2,001 to S$2,500 | $105,000 | S$1,001 to S$1,250 | $52,500 |
| S$2,501 to S$3,000 | $95,000 | S$1,251 to S$1,500 | $47,500 |
| S$3,001 to S$3,500 | $90,000 | S$1,501 to S$1,750 | $45,000 |
| S$3,501 to S$4,000 | $80,000 | S$1,751 to S$2,000 | $40,000 |
| S$4,001 to S$4,500 | $70,000 | S$2,001 to S$2,250 | $35,000 |
| S$4,501 to S$5,000 | $65,000 | S$2,251 to S$2,500 | $32,500 |
| S$5,001 to S$5,500 | $55,000 | S$2,501 to S$2,750 | $27,500 |
| S$5,501 to S$6,000 | $50,000 | S$2,751 to S$3,000 | $25,000 |
| S$6,001 to S$6,500 | $40,000 | S$3,001 to S$3,250 | $20,000 |
| S$6,501 to S$7,000 | $30,000 | S$3,251 to S$3,500 | $15,000 |
| S$7,001 to S$7,500 | $25,000 | S$3,501 to S$3,750 | $12,500 |
| S$7,501 to S$8,000 | $20,000 | S$3,751 to S$4,000 | $10,000 |
| S$8,001 to S$8,500 | $10,000 | S$4,001 to S$4,250 | $5,000 |
| S$8,501 to S$9,000 | $5,000 | S$4,251 to S$4,500 | $2,500 |
You must have worked for 12 months in a row before applying and still be working.
| Grant | 2- to 4-room | 5-room or bigger |
|---|---|---|
| Family Grant, both citizens | S$80,000 | S$50,000 |
| Family Grant, citizen and PR | S$70,000 | S$40,000 |
| Family Grant, first-timer and second-timer couple | S$40,000 | S$25,000 |
| Singles Grant | S$40,000 | S$25,000 |
| PHG, families: living with / within 4km | S$30,000 / S$20,000 | S$30,000 / S$20,000 |
| PHG, singles: living with / within 4km | S$15,000 / S$10,000 | S$15,000 / S$10,000 |
Income ceilings: S$16,000 for families (S$24,000 with extended family) and S$8,000 for singles buying alone, from 24 Aug 2026. The PHG has no income ceiling.
HDB's own example: a citizen and his PR wife are first-timers. She earns S$4,200 a month and he does not work. Their household income of S$4,200 falls in the S$4,001 to S$4,500 band, so their EHG is S$70,000.
If two citizens earning S$7,000 together buy a 4-room resale flat within 4km of their parents, they get S$30,000 EHG, an S$80,000 Family Grant and a S$20,000 PHG: S$130,000 in all.
Figures checked 3 Oct 2026.
Up to S$120,000 for first-timer families and up to S$60,000 for first-timer singles. The lower your average monthly household income, the bigger the grant. Families get S$120,000 at S$1,500 or less, falling to S$5,000 at S$8,501 to S$9,000.
S$9,000 a month for first-timer families and S$4,500 for a single buying alone. For a couple with one first-timer and one second-timer, half the household income must not exceed S$4,500.
Yes. From 24 Aug 2026 the ceiling to buy a BTO flat, get the CPF Housing Grant for a resale flat or take an HDB loan rose from S$14,000 to S$16,000 for families. For singles aged 35 and above it rose from S$7,000 to S$8,000. The EHG ceiling stayed at S$9,000.
For first-timer families buying a 2- to 4-room resale flat, S$80,000 if both are citizens and S$70,000 for a citizen and a PR. For a 5-room or bigger flat, S$50,000 and S$40,000. A first-timer and second-timer couple gets S$40,000 or S$25,000.
A grant for buying a resale flat to live with or near your parents or married child. Families get S$30,000 to live together or S$20,000 to live within 4km. Singles get S$15,000 or S$10,000. There is no income ceiling.
First-timers can get the EHG on a BTO flat. The Family Grant, Singles Grant and PHG are for resale flats.
S$15,000 for second-timer families who have taken one housing subsidy, with household income up to S$8,000. It covers two moves. One is from a 2-room Standard flat, or a 2-room flat in a non-mature estate, bought from HDB or with a grant, to a 3-room Standard flat or a 3-room flat in a non-mature estate. The other is from a public rental flat to a 2- or 3-room Standard flat or one in a non-mature estate; from HDB, the 2-room must be a 2-room Flexi. You must have worked for the 12 months before you apply, and a resale flat needs more than 20 years of lease left.
Yes. You or another core buyer must have worked for 12 months in a row before applying for the HDB Flat Eligibility letter, and still be working when you apply.
Every grant is a fixed sum from HDB's tables, picked by income band, so nothing is rounded. An income on a band's upper edge falls in that band, so S$4,500 is in the S$4,001 to S$4,500 band.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).