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Home Renovation Cost in Singapore (2026): HDB, Condo and Landed Guide

How much does home renovation cost in Singapore in 2026?

A typical renovation costs about $35,000 to $55,000 for a 4-room BTO flat, $50,000 to $75,000 for a 4-room resale flat, and $50,000 to $100,000 or more for a condo. Resale flats cost more because old tiles, wiring and fittings usually need to be removed first, while carpentry is the single biggest cost in almost every home.

This guide breaks down 2026 renovation costs by home type, shows where the money goes, explains what pushes the price up, and shares real 9Creation project budgets so you can plan with confidence.

Renovation cost in Singapore by home type (2026)

Home type Typical renovation cost What is usually included
3-room BTO $25,000 to $40,000 Carpentry, flooring, lighting, painting, minimal hacking
4-room BTO $35,000 to $55,000 Kitchen, wardrobes, vinyl or tile flooring, electrical works
5-room BTO $45,000 to $65,000 More carpentry and larger floor area
3-room resale HDB $40,000 to $60,000 Hacking, retiling, rewiring, new kitchen and bathrooms
4-room resale HDB $50,000 to $75,000 Full overhaul, often with layout changes
5-room or executive resale $60,000 to $90,000 Larger area, more bathrooms and carpentry
Condo $50,000 to $100,000+ Premium finishes, MCST approvals, built-in appliances
Landed $150,000 to $400,000+ Extensive works, often addition and alteration (A&A)

Prices are 2026 market ranges for design and renovation works, excluding loose furniture and appliances. Your actual cost depends on scope, materials and the condition of your home.

Where your renovation budget goes

For a typical HDB renovation, the budget usually splits like this:

Category Share of budget Notes
Carpentry 30% to 40% Kitchen cabinets, wardrobes, TV console, shoe cabinet, storage
Hacking, masonry and tiling 15% to 25% Much higher for resale flats
Electrical works 8% to 12% Power points, lighting, rewiring for older flats
Plumbing and sanitary fittings 5% to 10% Kitchen sink, bathrooms, water heater
Ceiling and lighting features 5% to 10% False ceiling, cove lighting
Painting and cleaning 3% to 5% Whole-home painting and final clean
Contingency About 10% For surprises, especially in older resale flats

Common renovation item prices

Item 2026 price range More detail
Kitchen cabinets (top and bottom) $200 to $320 per foot run Kitchen renovation cost
Built-in wardrobe $250 to $400 per foot run Built-in wardrobe cost
Hacking a wall $800 to $2,500 per wall Cost of hacking a wall
Floor tiles (supply and lay) $6 to $12 per sqft Overlay tiles vs hacking
Vinyl flooring $4 to $7 per sqft Popular for BTO bedrooms and living areas
Parquet flooring $8 to $14 per sqft Parquet flooring cost
Electrical point $45 to $90 per point Full rewiring of an older flat is usually $5,000 to $10,000
Bathroom renovation $6,000 to $12,000 per bathroom Retiling, fittings, vanity and shower screen
HDB window replacement $4,000 to $8,000 for a whole flat Cost of changing HDB windows
Whole-home painting $1,200 to $2,500 Depends on flat size and paint brand
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What drives renovation cost up or down

1. New or old home

BTO flats come with new tiles, wiring and fittings, so most of the budget goes into carpentry. Resale flats often need hacking, retiling and rewiring before any design work starts, which can add $10,000 to $25,000.

2. How much hacking you do

Removing walls, floor tiles or old kitchens adds labour, disposal and HDB permit work. Where existing tiles are in good condition, overlaying new tiles can save a lot. Any hacking in an HDB flat needs approval and must follow the HDB hacking rules.

3. Amount of carpentry

Carpentry is priced per foot run, so every extra cabinet adds up. Plan built-ins around how you actually live, and choose loose furniture where flexibility matters more.

4. Materials and finishes

Laminate costs less than spray paint, quartz less than sintered stone, and vinyl less than parquet. Mixing a few premium pieces with sensible basics keeps the look high-end without the cost.

5. Layout changes

Moving the kitchen sink, a bathroom or the DB box means extra plumbing and electrical work. Keeping the existing layout is one of the simplest ways to save.

6. Healthier materials

Low formaldehyde boards cost slightly more but improve indoor air, especially for families with young children. 9Creation offers a free upgrade to low formaldehyde carpentry with selected packages.

Real 9Creation renovation budgets

How long does a renovation take?

Home type Typical duration
BTO flat 6 to 8 weeks
Resale HDB 8 to 12 weeks
Condo 8 to 12 weeks, depending on MCST rules
Landed 3 to 6 months or more

Allow extra time for design, quotation and permits before work starts. Use our HDB renovation checklist to plan each stage.

How to keep your renovation within budget

Set your total budget first, including about 10% for contingency, and share it with your designer at the start. Keep the existing layout where possible, and overlay tiles instead of hacking when the old tiles are sound. Prioritise carpentry in the kitchen and bedrooms, where storage matters most, and use loose furniture elsewhere. Compare quotations line by line rather than on the total, checking items like countertops, electrical points and disposal fees. Finally, consider a renovation package if you want a fixed scope and price.

Paying for your renovation

Most homeowners pay from savings, a bank renovation loan, or both. In Singapore, bank renovation loans are generally capped at six times your monthly income or $30,000, whichever is lower. Interest rates and terms vary, so compare a few banks before committing.

Frequently asked questions

How much does it cost to renovate a 4-room HDB flat in 2026?

A 4-room BTO usually costs $35,000 to $55,000, while a 4-room resale flat usually costs $50,000 to $75,000 because of the extra hacking, retiling and rewiring.

Why is a resale flat more expensive to renovate than a BTO?

Older flats often need old tiles, cabinets and wiring removed and replaced before new design work begins, which adds labour, materials and disposal costs.

What is the biggest renovation cost?

Carpentry is usually the largest item, typically 30% to 40% of the total, covering the kitchen, wardrobes and other built-in storage.

How much contingency should I set aside?

About 10% of your budget is sensible, and closer to 15% for older resale flats, where hidden issues are more common.

Do renovation packages save money?

Packages can be good value when your needs match the fixed scope. Check exactly what is included, and how extra items are priced, before you sign. See our renovation packages.

Get an accurate quote for your home

Every home is different, so the best way to know your cost is a site visit and itemised quotation. WhatsApp our designer with your property type and key collection date, and we will get back to you with a realistic estimate.

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