How to Rent an HDB Flat in Singapore: A Complete Guide

Renting a flat in Singapore can be an efficient and affordable option, especially when considering Housing Development Board (HDB) flats. HDB flats are public housing units developed and managed by the Singapore government to offer affordable living options for citizens and eligible foreigners. This guide walks you through everything you need to know about renting an HDB flat—from eligibility to procedures and key tips for a smooth process.

1. Understanding HDB Flats: What Are They?

HDB flats are subsidized public housing provided by the Housing and Development Board of Singapore. They come in various configurations:

1-room / 2-room flats: Ideal for singles or couples
3-room flats: Suitable for small families
4-room / 5-room flats: Popular with larger families or those desiring more space
Executive flats: Feature additional space or layouts for extended families

HDB flats are located throughout Singapore, offering a wide range of options in different neighborhoods—each with its own pricing and amenities.

2. Why Choose an HDB Flat for Rent?

Here’s why HDB flats are a popular rental choice:

Affordable rental rates compared to private condos
Wide availability in nearly every district in Singapore
Access to amenities like wet markets, hawker centers, parks, and public transportation
Government-regulated lease agreements ensuring safety and standardization

3. Who Can Rent an HDB Flat?

HDB flats can be rented out by existing owners, but both landlords and tenants must meet certain eligibility conditions. Here's what you need to know:

For Landlords:

The flat must fulfill a Minimum Occupation Period (MOP) of 5 years.
Subletting the whole flat is only allowed if the owner is not living in it.
They must register the rental with HDB.

For Tenants:

Must be Singapore Citizens, Permanent Residents, or foreigners holding valid passes:
- Employment Pass (EP)
- S Pass
- Dependant Pass
- Student Pass
- Long-Term Visit Pass
Tourists are not allowed to rent HDB flats.
Minimum rental period: 6 months
Maximum occupancy limits based on flat size:
- 1-2 room: 4 persons
- 3-room and larger: 6–9 persons depending on the size

4. Renting Options: Whole Unit vs. Room Rental

There are two common options when renting HDB flats:

Whole Unit Rental:

You rent the entire flat and have exclusive access to all rooms and facilities. Best suited for families, groups of friends, or professionals sharing a home.

Room Rental:

You rent a single bedroom, often in a flat occupied by the owner or other tenants. You may share common areas like the kitchen and bathroom.

5. Setting a Budget

Before you start your HDB rental journey, determine how much you’re willing to spend. Average monthly HDB rental prices (as of 2025):

2-room flat: SGD 1,800 – 2,300
3-room flat: SGD 2,200 – 2,800
4-room flat: SGD 2,800 – 3,800
5-room flat: SGD 3,500 – 4,500

Keep in mind the following costs:

Security deposit (usually 1 month’s rent for a 1-year lease)
Agent commission (typically 1 month’s rent for 2-year lease)
Utility bills, internet, and maintenance fees (if not included)

6. Searching for an HDB Flat

Here’s where to start your search:

Online Property Portals:

PropertyGuru
99.co
SRX
EdgeProp

These platforms let you filter listings by location, price, flat type, and number of rooms.

HDB Flat Portal (HDB.gov.sg):

HDB also has a rental section where you can browse registered subletting options.

Real Estate Agents:

Licensed agents can help you find units faster, especially if you are unfamiliar with Singapore’s neighborhoods.

7. Things to Check Before Renting

When visiting potential HDB flats, consider the following:

Condition of the unit: Check for repairs, aircon condition, plumbing, and electrical issues.
Furnishing: Is it partially or fully furnished? Are kitchen appliances provided?
Neighborhood: Proximity to MRT, bus stops, supermarkets, schools, or your workplace.
Flat orientation: Avoid west-facing units if you prefer cooler interiors.

Always take photos or videos of the flat’s condition before moving in to avoid disputes later.

8. Verify the Legitimacy of the Landlord

Ensure the person renting the flat is legally allowed to do so. Here’s how:

Ask for the owner’s NRIC or FIN
Request a copy of the flat’s ownership record (available via MyHDBPage or HDB portal)
Make sure the lease is registered with HDB (you can verify this through the HDB website)
Never make full payment before signing a tenancy agreement

Scams involving fake listings are rare but possible, especially on online classifieds.

9. Signing the Tenancy Agreement (TA)

A tenancy agreement is a legal document that outlines the terms of your rental.

Key Elements to Include:

Names of tenant and landlord
Monthly rental amount and due date
Security deposit amount
Lease duration (typically 1 or 2 years)
Utility bill responsibilities
Maintenance and repair clauses
Inventory list of provided items
Termination clause

Tip: Never sign a TA without reading and understanding all terms. Negotiate clauses if necessary.

10. Pay the Security Deposit and Stamp Duty

Upon signing the TA, you’ll need to:

Pay the security deposit: Usually 1 month’s rent for a 1-year lease or 2 months for a 2-year lease
Pay the first month’s rent upfront
Pay stamp duty to IRAS (Inland Revenue Authority of Singapore):
- 0.4% of total rent for the lease duration
- You can pay online via IRAS website

Stamp duty must be paid within 14 days of signing the agreement.

11. Registering the Subletting with HDB

Landlords are required to register the tenancy with HDB within 7 days of the lease commencement date. You should receive a copy of the registration or confirmation.

As a tenant, ask for:

Acknowledgment from HDB
Copy of the subletting approval

12. Moving In and Setting Up Utilities

Once the paperwork is complete:

Move in and inspect the flat again
Open utility accounts (if not already done) via SP Group for electricity, water, and gas
Apply for internet services from providers like Singtel, StarHub, or MyRepublic

Keep the flat clean and avoid illegal activities, as HDB has the right to revoke subletting rights for misuse.

13. Renewing or Terminating Your Lease

To Renew:

Contact your landlord at least 1-2 months before your lease ends
Discuss any rental revisions
Sign a renewal agreement or an addendum to the existing TA

To Terminate:

Give proper notice (usually 1 month unless otherwise stated)
Ensure the flat is in original condition
Return all keys and recover your security deposit

14. Dos and Don’ts When Renting an HDB Flat

Dos:

Keep receipts for all payments
Clarify responsibilities (aircon servicing, light replacements)
Inform landlord of damages or repairs

Don’ts:

Don’t overcrowd the flat (HDB enforces occupancy limits)
Don’t sublet rooms without permission
Don’t withhold rent over disputes

15. Conclusion: Renting an HDB Flat is Practical and Secure

Renting an HDB flat in Singapore is a structured and safe process when done legally and properly. Whether you’re a foreign professional or a local in between homes, HDB flats offer a practical and cost-effective living solution.

Make sure to research, follow procedures, and protect your interests through written agreements. With the right steps, your rental experience can be smooth, stress-free, and even enjoyable.