Housing Market

8 Cheapest 3-Room HDB Resale Flats Under $400K, For Couples Who Need Affordable Homes After The Wedding

22 June 2023 | BY

If the BTO balloting scheme has failed you yet again, these under-400K HDB resale flats may be the way to go.

8 Cheapest Resale HDB Flats Under $400K

While this young couple managed to secure a BTO despite being under 21, it’s no secret that most prospective homeowners unfortunately don’t share the same BTO luck. Amidst fierce balloting competition and all-time-high housing prices, more Singaporeans have been turning their attention to HDB resale flats as an alternative affordable housing option.

An ideal choice for newlyweds looking to move in together without breaking the bank, these 8 affordable 3-room resale flats are all priced under $400K – so you can dedicate a bigger portion of your budget to renovating and creating your dream home.

*All provided property listings are accurate as of 14th June 2023.

1. 3-room flat at Circuit Road: $350,000

Cheapest Resale HDB - 64 Circuit RoadImage credit: PropertyGuru

For couples enticed by pretty views and gorgeous skylines, this high-floor resale flat at Circuit Road boasts unblocked views from both the kitchen and the master bedroom, so you can wake up to breezy air and soak in the neighbourhood ambiance from a high vantage point.

The master bedroom also comes with an extra attached ensuite bathroom in addition to the common bathroom – creating the potential of renovating the space into a more atas condo-like atmosphere, while simultaneously offering an extra level of convenience and privacy.

64 Circuit Road - Living roomImage credit: PropertyGuru

Another plus point of the 635sqft unit is its rectangular layout, which translates into an efficient use of space. The housing block is also conveniently located 4 minutes away from Macpherson MRT, with an abundance of amenities around the area – from food options and clinics, to supermarkets, schools, and shopping centres.

Get more details on 64 Circuit Road.

2. 3-room flat at Bedok North: $400,000

75 Bedok North Road - Retro living roomImage credit: PropertyGuru

Located at Bedok North, this 3-room flat sits exactly on the border of our $400K budget for good reason. Not only is the high-floor unit located in an optimal position with a breezy atmosphere and tons of natural light, but the interior of the flat is tastefully renovated and well maintained. 

The living area retains its original light-coloured terrazzo floor, the door grilles remain as the authentic HDB-designed ones, and the kitchen floor is covered with retro-vibe pink and white tiles – a big draw for homeowners fond of a retro old-school aesthetic. 

Cheapest Resale HDB - 75 Bedok North RoadImage credit: PropertyGuru

A piece of good news for couples looking to incorporate arches into their home; the previous owners of this resale flat were no stranger to the arched features trend, and the entryway to their kitchen is through a lovely arched doorway.

75 Bedok North Road - Retro-tiled kitchenImage credit: PropertyGuru

The kitchen itself is a spacious, brightly-lit area, with retro mosaic tiles and delicate green-detailed wall tiles that give the space a subtle Peranakan touch. 

Overall, with its retro-vibe features and move-in condition, this 635sqft resale flat is a worthy investment for prospective homebuyers who are looking for a home near Singapore’s Eastern coast.

Get more details on 75 Bedok North Road.

3. 3-room flat at Bedok North: $380,000

Cheapest Resale HDB - 501 Bedok North Street 3Image credit: PropertyGuru

Aspiring Easties, here’s another 3-room flat in Bedok North. Ideal for homeowners leaning toward a white-based aesthetic, this condo-esque HDB resale features polished tiled flooring, white window grills, and beige wooden doors leading into spacious bedrooms equipped with Mitsubishi air conditioners.

Cheapest Resale HDB - 501 Bedok North Street 3The kitchen is an extension of the sleek home look, with white built-in carpentry, light grey tiles, and black countertops.
Image credit: PropertyGuru

Situated in a quiet area and on a relatively low floor, the unit looks directly out into palm trees and greenery, creating a peaceful, natural ambiance.

Location-wise, the estate is closely connected to major highways such as PIE and ECP, a 10-minute drive to East Coast Park, and a mere 5-minute walk to Heartbeat @ Bedok – an integrated community hub with facilities such as an ActiveSG Sports Centre, Kampong Chai Chee CC, a public library, polyclinic, and senior care centre.

Get more details on 501 Bedok North Street 3.

4. 3-room flat at Lorong 1 Toa Payoh: $358,888

Cheapest Resale HDB - 118 Lorong 1 Toa PayohImage credit: PropertyGuru

Perfect for prospective parents with CHIJ schools in mind, this flat at Lorong 1 Toa Payoh is located less than 1km away from CHIJ Toa Payoh Primary and Secondary, in addition to being in close proximity to 3 MRT stations – Braddell, Caldecott, and Toa Payoh – as well as several eateries and a wet market. 

There’s not much that could deter us from this 3-room resale flat, thanks to its prime location, minimal built-in items to be hacked, and the huat quadruple 8 price tag. The only potential drawback is its ground floor position, but it’s a small compromise to make if location is your top priority.

Get more details on 118 Lorong 1 Toa Payoh.

5. 3-room flat at Marine Terrace: $399,000

Cheapest Resale HDB - 7 Marine TerraceImage credit: PropertyGuru

If you’ve always dreamed of living near the coastline, this quiet and breezy 3-room flat at Marine Terrace is a stone’s throw away from East Coast Park and Singapore’s Eastern shoreline. It’s also less than 6 minutes by foot to both Ngee Ann Primary School and CHIJ Katong Convent, an 11-minute walk to Tao Nan, and a 15-minute walk to St Patricks, so there’s no shortage of schooling options for the little ones.

7 Marine Terrace kitchen and bathroomImage credit: PropertyGuru

Other features of the flat are its retro-vibe black and cream kitchen carpentry, as well as the light blue-grey tiles in the bathroom – both which could act as a starting points for unique renovations and interesting home interiors.

Get more details on 7 Marine Terrace. 

6. 3-room flat at West Coast Drive: $400,000

506 West Coast Drive - Smart home featuresImage credit: PropertyGuru

For couples who’d prefer to settle down in the West instead, this spacious 720sqft resale flat at West Coast Drive is definitely worth checking out. Renovated less than 5 years ago and equipped with a fully integrated smart home system with features such as a built-in blue LED ceiling light feature, this flat offers the opportunity to embrace modern living and create a streamlined living experience. 

506 West Coast Drive - Living roomImage credit: PropertyGuru

Just minutes away from the picturesque greenery of West Coast Park and within a short walk to Clementi MRT, the location of this resale flat offers the best of both worlds; close connection to the natural world and easy access to the rest of Singapore’s cityscape – ideal for nature lovers and urban explorers alike.

Get more details on 506 West Coast Drive.

7. 3-room flat at Whampoa Drive: $378,000

Cheapest Resale HDB - 82 Whampoa DriveImage credit: PropertyGuru

Discover the perfect home at Whampoa Drive with this high-floor resale flat, which boasts an unblocked clear greenery view and a spacious, well-lit area without harsh East or West sunlight. With Sunflower Preschool, Sparkletots, and YWCA Preschool all within a 10-minute stroll, the location is especially desirable for couples with kids on the way. 

82 Whampoa Drive - KitchenImage credit: PropertyGuru

Glass sliding doors offer a flexible open concept kitchen layout, while white carpentry and a black backsplash give the spacious kitchen a sleek, clean look. Additionally, an extra utility room adjacent to the kitchen offers homeowners the option of creating a study, storage room, or extra bedroom. 

Get more details on 82 Whampoa Drive.

8. 3-room flat at Lorong 5 Toa Payoh: $380,000

Cheapest Resale HDB - 72 Lorong 5 Toa PayohImage credit: PropertyGuru

Last but not least, this resale flat at Lorong 5 Toa Payoh makes the most of its 688sqft space using an open concept living area, with the living and dining areas partitioned by unique brown beams and differentiated by unique and eye-catching homogeneous flooring. 

72 Lorong 5 Toa Payoh - Kitchen and bathroomBlack kitchen countertop, light & dark grey marble bathroom tiling.
Image credit: PropertyGuru

The resale flat’s interesting living room interior comes together with modern patterns and colours designs in the kitchen and bathroom areas, making it an enticing choice for those seeking a unique home full of personality.

Get more details on 72 Lorong 5 Toa Payoh

Cheap HDB resale flats in Singapore

For newlyweds who haven’t had the best luck with BTO launches and don’t have the budget for a condo, searching for an affordable resale flat might just be the next smartest option if you’re looking to move in together ASAP.

Whether you’re looking to settle down in East, West, or Central Singapore, these 8 HDB resale flats under $400K are definitely worth checking out – you just might discover your new dream home.

Read up more on HDB flats in Singapore:

Cover image adapted from: PropertyGuru, PropertyGuru

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