Singapore raised the income ceiling for Build-To-Order (BTO) flats from S$14,000 to S$16,000 for families, and from S$7,000 to S$8,000 for singles aged 35 and above, effective August 24, 2026, for new HDB Flat Eligibility applications [1, 2, 3].
The income ceiling for executive condominiums (ECs) was increased from S$16,000 to S$18,000 for new projects with land sale tenders closing on or after August 24, 2026. The revised ceiling does not apply to existing EC balance units [1, 4, 5]. The increase is expected to add around 5,000 potential buyers based on 2025 income data and affects upcoming EC land tenders at Canberra Drive, Admiralty Walk, and Jurong East Avenue 1, which could yield about 1,370 units in total [4, 5].
Prime Minister Lawrence Wong said, "By the time they settle down, many are further along in their careers and earning more. So more young couples are crossing the current income ceilings. We want to ensure that the vast majority of Singaporean couples can continue to have access to subsidised public housing" [1].
The adjustment also raises eligibility for higher EC loan amounts, potentially increasing maximum bank loans from approximately S$1 million to S$1.13 million, said Kelvin Fong, PropNex CEO [5].
Income ceilings for HDB resale flats with CPF Housing Grant and Singles Grant eligibility were also raised [1, 2]. National Development Minister Chee Hong Tat said, "These increased income ceilings allow us to keep pace with income growth and ensure that 8 in 10 Singaporean households continue to qualify for subsidised public housing" [6].
The BTO income ceiling was last raised in September 2019, from S$12,000 to S$14,000 for families and from S$6,000 to S$7,000 for singles [1]. Chee announced in August 2025 that the BTO income ceiling was under review amid no risk of insufficient supply [1]. HDB plans to exceed its target of launching 55,000 BTO flats from 2025 to 2027 due to strong housing demand [1].
Starting February 2027, first-timer families with or expecting children will get an additional ballot chance per Singaporean child when applying for flats [3].
