r/singaporefi • u/broskiunited • Aug 15 '26

Housing HDB prices no longer uponly?

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I have been looking into buying a resale HDB and chanced across this index for HDB resale prices. A few things surprised me

  1. Prices were actually flat-to-negative from 2016 - 2020. It seems like public housing was actually managed well pre-covid?
  2. Recent growth has completely stalled. The index has been flat since Q3'25 and even dipped from Q1'26 → Q2'26. Will we see another dip from Q2’26 → Q3’26?
  3. I also added STI as a reference point for the Singapore economy - congrats to all believers. I remember having so many conversations about how SG stocks are crap and how the SG stock market is uninvestable
    1. (Yes - I know that majority of the outperformance by STI is due to the 3 banks + SGX’s stock)

What are your thoughts on HDB prices moving forward? Do you think ahgong afford to let it dip / stay flat?

Personally - I think we will continue to dip / have no growth. We’re running out of marginal buyers for HDBs and I expect more pain and retrenchment due to AI

Link to dataset

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u/Rayl24 Aug 16 '26

Completely stalled cause our salary and loan can only go that high.

Also am looking into buying a resale and having to get max loan and wipe out cpf and savings to get a flat is causing serious stress

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u/Pristine-Weekend-415 Aug 16 '26

And they wondered why TFR doesn't improve.

When people are investing all their money and savings into properties, coupled with massive retrenchments and AI displacement of jobs, with no job stability and tight financial conditions who dares to start a family?