Finding a Home in Singapore:
The Ultimate Guide
Navigating Asia's most dynamic property market. From a luxury condo in Orchard to Tiong Bahru's bohemian atmosphere, find your future home with peace of mind.
90%
Homeownership rate
28
Residential Districts
1.2M+
HDB units
<15 min
Average MRT Access
Singapore's property market in 2026
"Finding a home in Singapore is often the first major adventure of expatriation. Between futuristic skyscrapers and history-filled colonial houses, the city-state offers architectural diversity that is unique in the world."
In 2026, Singapore continues to establish itself as the economic hub of Southeast Asia. This appeal places constant pressure on the rental market, making the search for a home both exciting and competitive. For a French-speaking expat, understanding the subtleties between a Condominium, an HDB and a Landed Property is crucial to settling in successfully.
Whether you are arriving alone for a new challenge in the tech sector or with your family to enrol your children in an international or French-speaking school, your budget and lifestyle will determine your choice of neighbourhood. This guide has been designed to give you a broad, practical overview of the local property market, from administrative procedures to negotiation tips.
Types of Accommodation
Understand the options available to guide your search according to your needs and budget.
Condominiums (Condos)
The preferred choice for expats. 24/7 security, Olympic-sized swimming pools, gyms, barbecues and tennis courts. They offer ideal all-inclusive comfort in the tropical climate.
HDB (Public Housing)
More spacious and affordable. An immersive experience of local life, close to hawker centres.
Affordable
Landed Properties
Villas, terraced houses and the iconic "Black & White" houses. The luxury of space and a private garden.
ExclusiveWhere to Put Down Your Bags? A Portrait of the Neighbourhoods
Orchard & River Valley: The Beating Heart
Prized for its ultra-central location, Orchard is a paradise for shopping and luxury. Right next door, River Valley offers a more residential atmosphere while remaining within walking distance of the best restaurants. It is the number-one choice for those who want to be at the centre of social and professional life.
- Unlimited shopping
- Central Business District (CBD) 10 min away
- High-end condos
- Vibrant nightlife
Tiong Bahru: Bohemian and Art Deco Spirit
Singapore's most "Instagrammable" neighbourhood. With its 1930s architecture, art galleries and independent bookshops, Tiong Bahru attracts a creative community and young professionals. This is where you will find the city's best brunches and an authentic neighbourhood atmosphere, blending heritage and modernity.
"A perfect blend of elderly uncles reading their newspapers at the market and graphic designers working in cafés."
East Coast: The Joys of Seaside Living
A favourite among French-speaking families. Between Katong and Marine Parade, East Coast offers direct access to East Coast Park, ideal for cycling, rollerblading and Sunday picnics. There is plenty of space here, at a price per square metre that is often more attractive than in the city centre.
See more details about neighbourhood lifeHome Rental Budget Calculator
Estimate your rental capacity based on your income and lifestyle priorities in Singapore.
Recommended Estimated Rent
2,800 SGD
Based on the prudent rule of thumb (35% of income)
Our Advice:
At this level, choose a modern condo in a near-central area for the perfect balance between comfort and budget.
The Rental Process: A Step-by-Step Guide
The Search
Use PropertyGuru or 99.co. Identify 5 to 10 properties and arrange grouped viewings over a weekend.
The Offer (LOI)
Sign a Letter of Intent and pay the Good Faith Deposit (1 month's rent) to secure the flat.
The Contract (TA)
Signing the Tenancy Agreement. Carefully check the diplomatic clause and minor maintenance costs.
Check-in
Thorough inspection with photos. Set up water and electricity accounts (SP Services).
The Importance of the Diplomatic Clause
This is the most crucial element of your tenancy agreement. It allows you to end the contract after 12 months with 2 months’ notice if you are transferred outside Singapore or lose your job. Without this clause, you could be required to pay the entire remaining rent (often 2 years). Never sign without it! See our guide to legal services for further assistance.
Comparison Table: Condo vs HDB
| Feature | Condominium (Private) | HDB (Public) |
|---|---|---|
| Facilities | Swimming pool, gym, BBQ, tennis, security | Public parks, hawker centres nearby |
| Average Rent (2BR) | 4,500 - 8,000 SGD | 2,500 - 4,000 SGD |
| Space | More compact but modern | More spacious (family units) |
| Community | International / Expat | Local / Singaporean |
| Temperature control | Central air conditioning / units throughout | Often split units (sometimes not included) |
Frequently Asked Questions About Housing
Do you have to pay a property agent in Singapore? ▼
Generally, for rent above 3,500-4,000 SGD per month on a 2-year tenancy agreement, the tenant does not pay a commission. The landlord’s agent shares their commission with your agent. For lower rents or short-term tenancies, you may be charged half a month’s or one month’s rent as commission.
Can you rent through Airbnb in Singapore? ▼
Warning: short-term rentals (less than 3 months for private properties, less than 6 months for HDBs) are illegal in Singapore. Avoid platforms such as Airbnb altogether for your main accommodation, as you could be evicted without recourse. Opt for serviced apartments instead.
What additional charges (Utilities) are there? ▼
Rent almost never includes water, gas and electricity (PUB). Budget between 150 and 350 SGD per month depending on your air-conditioning use. High-speed internet costs around 40-60 SGD/month. See our guide to essential services.
What is Stamp Duty? ▼
This is a government tax on the tenancy agreement, paid by the tenant. It is generally 0.4% of the total rent over the term of the tenancy. It is mandatory for your agreement to have legal standing in court.
Is shared accommodation allowed? ▼
Yes, shared accommodation is very common, especially among young professionals. However, there is a maximum number of unrelated occupants (generally 6 for a private property). See the listings on the community forum.
Ready to start viewing properties?
Don’t let the fast-moving market overwhelm you. See our guide to the administrative procedures so you are ready to make an offer as soon as you find the one you love!
Moving into an HDB or condo? Don’t forget about waste sorting: see our guide to recycling in Singapore.