What Will Singapore’s Property Market Look Like in 2026?

A Clear, Data-Driven Outlook.

As 2025 draws to a close, buyers and sellers are asking:

“Will Singapore’s property market go up or down in 2026?”

The truth is:
Singapore doesn’t boom-and-bust like other markets.
But 2026 will be a turning point — shaped by interest-rate cuts, economic moderation, and rising housing supply.

Below is the fully updated, accurate breakdown.

1️⃣Singapore Property Market Outlook for 2026

Will prices rise or fall?

Expect mild, steady growth of around +1% to +4%, not a surge.

🔹 Why?

Interest rates will ease — gradually

Economists expect global rate cuts to continue through 2025–2026, but slowly.

Lower rates mean:

• better affordability
• lower monthly instalments
• improved sentiment

But cuts are expected to be 0.25%–0.75%, not dramatic enough to cause a price spike.

Demand remains structurally strong

Singapore still sees:

• steady population growth
• continued draw of global talent
• high-income expats & PR formation
• safe-haven capital inflow

Demand isn’t disappearing — just more selective.

Supply finally catching up

2025–2026 will see more TOP projects (due to past construction delays clearing).

Result:

• mass-market (OCR) growth moderates
• RCR/CCR more resilient
• no crash — just slower growth

Bottom line:
2026 = Stable. Predictable. Slower growth.
A year where smart choices matter more than market timing.

2️⃣ HDB & Condo Breakdown (What Will Rise, What Will Slow)

A. HDB Resale 2026 Outlook

Cooling? Slightly — but still stable.

🔹 Why cooling will be mild:

• More BTO projects hitting MOP (2019–2021 launches)
• More supply entering resale market
• More upgraders shifting into private property

 🔹 But demand remains strong:

• young couples want move-in ready
• BTO applications still high
• more PR households entering resale

 Expected HDB outcome for 2026:

• 0% to +3% price growth
• 4–5 room units remain resilient
• Older 40+ year flats see flatter growth

B. Condo Market 2026: New Launch vs Resale

1. New Launch Condos (Stronger)

Despite high prices, demand remains for:

• modern layouts
• new facilities
• lower maintenance
• progressive payment
• better rental prospects

Rate cuts will help demand, but supply stays controlled.

Expected 2026 new launch outcome:

• +3% to +5% price growth
• CCR sees renewed interest
• RCR steady
• OCR stabilises (not dropping)

2. Resale Condos (Mixed performance)

Winners (2026):

• freehold units in strong districts
• 10–15 year modern condos
• 3–4 bedroom family units
• projects near MRT, amenities, or transformation zones 

Weaker performance:

• 20+ year 99-year leasehold condos
• projects far from MRT
• oversupplied small 1-bedders

Resale = where smart unit selection matters most.

3️⃣How Interest Rate Cuts Will Affect Prices in 2026

Many believe:
“Rates drop → Prices shoot up.”
But the real impact is more controlled.

Rate cuts expected:

• gradual
• small increments
• paced by global inflation stability

Effects on buyers:

• affordability improves slightly
• loan instalments ease
• confidence returns
• upgraders feel safer to move

Market effect:

• more transactions
• mild upward pressure on prices
• durable price floor (no crash)

Prices won’t jump overnight — but sentiment will lift.

4️⃣Best Opportunities for Buyers & Upgraders in 2026

Updated based on 2025–2026 supply, developer land-bid prices, and buyer patterns.

✔ Best Value: Resale Condos (10–15 years old)

These offer:

• better psf
• good layouts
• stable rental demand
• modern enough without premium launch pricing

This is the best price-to-size segment in 2026.

✔ Best Appreciation Potential: New Launch (CCR & RCR)

Why?

• central land cost remains high
• limited supply
• expat & PR demand remains strong
• investors returning slowly

CCR has been underpriced for years — 2026 gives it room to rebound.

✔ Safest Move: HDB → Condo Upgrade (if planned properly)

Because:

• HDB valuations remain healthy
• some relief from lower rates
• more condo supply → more choices

But timing is key — planning prevents ABSD and cash-flow strain.

Practical Checklists (Updated)

If you’re an upgrader (HDB → condo):

• check affordability with new 2026 interest rates
• decide Sell-1-Buy-1 vs Buy-First-Sell-Later
• calculate ABSD timeline
• plan CPF + cash flow carefully
• compare resale vs new launch value

If you’re a first-time buyer:

• understand BSD and total cash needed
• avoid stretching TDSR
• choose value over hype

If you’re an investor:

• evaluate yield vs mortgage cost
• consider commercial (no ABSD) for diversification
• look at CCR during periods of softer demand

Conclusion: What Will 2026 Really Look Like?

Not a boom.
Not a crash.

A steady, opportunity-driven market — rewarding buyers who plan well.

Smart planning matters more than ever:

• know your affordability
• time your sale & purchase
• select high-quality units
• understand ABSD/CPF/timeline
• avoid liquidity traps

If you want a personalised plan, Joyce & Joe can map it out clearly.

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One message. Full clarity.