HDB Renovation Cost Guide 2026: What Singapore Homeowners Should Budget

How Much Does HDB Renovation Cost in 2026?

One of the most common questions we get from Singapore homeowners is: how much should I budget for my HDB renovation? The answer depends on your flat size, scope of work, and material choices. Here's a realistic guide based on our experience completing over 500 projects.

3-Room HDB: $18,000 – $45,000

For a 3-room flat, a basic renovation covering flooring, painting, and kitchen/bathroom upgrades typically costs between $18,000 and $25,000. A full renovation with custom carpentry, new electrical works, and feature walls will be in the $30,000 to $45,000 range.

4-Room HDB: $25,000 – $65,000

The most popular flat type in Singapore. A moderate renovation with good quality materials typically falls between $35,000 and $50,000. This covers hacking, new flooring, full carpentry (kitchen cabinets, wardrobes, shoe cabinet, TV console), painting, plumbing, and electrical works.

5-Room / Executive: $35,000 – $80,000+

Larger flats naturally cost more due to the additional square footage. Budget $45,000 to $65,000 for a comprehensive renovation. Premium finishes and extensive custom carpentry can push costs above $80,000.

How to Save on Your HDB Renovation

Work with a direct contractor. Interior designers add 15-40% markup as commission. By working directly with a contractor like Larry Contractors, you save that margin while getting the same quality workmanship.

Keep structural changes minimal. Every wall you hack adds cost for demolition, disposal, replastering, and potentially structural reinforcement. Where possible, work within the existing layout.

Prioritise the kitchen and bathrooms. These are the areas that add the most value to your home and affect daily living the most. Invest more here and keep bedrooms simple.

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