What fits your budget — today and tomorrow

How does this matcher work?

Most budget matchers compare your money against a project's average price for a bedroom type. That answers a question nobody asked. It tells you whose average happens to fall inside your band, and it will cheerfully point you at a development with nothing left to sell.

This page does something different. For every launched project we hold a record of which specific units have sold and which have not. So we count the units still on the shelf that fall inside your range, and show you their actual floor areas. You are being matched against real remaining stock, not an average.

Where do the prices come from?

An unsold unit has no price yet, because nobody has bought it. So we have to work one out.

We take the typical rate per square foot that sold units of the same layout achieved in that same development, and apply it to the specific unit's floor area. That is the fairest comparison available, because it uses the project's own pricing rather than a district average.

But it is still an estimate. We mark it est. everywhere it appears. It does not know about floor premiums, which way the unit faces, or whatever discount the developer may be offering this month. Higher floors normally cost more than our figure suggests. The developer's price list is the only real number.

A handful of launched projects have no unit-level data yet. Those are matched the older way, on typical transacted price, and their cards say so.

What is the second list for?

The pipeline list is the part nobody else publishes. For upcoming sites where the developer has already bought the land, we hold your budget against our estimated launch price, applied to a typical unit size for the layout you picked.

A site appearing there may fit your budget when it launches, two to three years out. That is useful if your timing is flexible, or if there is little left to buy in your preferred area today. Nothing there is for sale yet.

The two lists, side by side

	Available now	Coming to market
What it is	Specific unsold units at projects already selling	Sites bought by developers but not yet launched
Can you buy it?	Yes, today	No, not for two to three years
Where the price comes from	That project's own rate for that layout, applied to the real unit	Our estimate, built up from what the developer paid for the land
How reliable	Close, but floor and facing will move it	Wide. Treat as a planning range, not a price
Who it suits	Buyers who need to move soon	Buyers with flexible timing, or thin choice in their area

The short version

So what should you do with this?

Work out your real ceiling first. Our affordability calculator applies the 55% debt limit at the test rate banks must use, adds the 75% loan cap, your cash and your CPF, and sets aside an allowance for stamp duty. It is deliberately cautious. Your bank's in-principle approval is the real number.

Then, before stretching to the top of your range, look at what buyers in that district actually made when they sold. Our resale exit dashboard shows gains by district, by how long owners held, and by the year they bought, and it keeps the sales that lost money. Once you have three or four candidates, the comparison tool puts them side by side.

Common questions

Are these units really still available?

Yes, as at our last data refresh. We hold a record of which specific units at each launched project have sold and which have not, so the matcher counts real remaining stock rather than guessing from a project average. Availability changes daily though, so confirm with the developer before making plans around any single unit.

Why is the price marked "est."?

Because an unsold unit has no price yet. Nobody has bought it. We work one out by taking the typical rate per square foot that sold units of the same layout achieved in that same development, then applying it to the unit's actual floor area. It is a fair estimate, not a quote.

Will the developer's price match your estimate?

Often it will be close, but not always. Our figure does not know which floor the unit is on, which way it faces, or what discount is running this month. Higher floors normally cost more than our estimate suggests. Treat it as a shortlisting tool, then get the price list.

Can I buy anything from the "coming to market" list?

No. Those sites have been bought by developers but have not launched. They are typically two to three years from a show flat. The prices there are our own estimates built up from what the developer paid for the land. They are useful for planning if your timing is flexible.

How do I work out what budget to type?

Use the affordability calculator. It applies the 55% cap on your total monthly debt, tested at the 4% rate banks must use, plus the 75% loan cap, your cash and CPF, and an allowance for stamp duty. It is deliberately cautious, so your bank's in-principle approval is the figure to trust.

Do you earn a commission if I buy one of these?

This page carries no agent referral. PropertyInsider.sg is an independent research publication and takes no developer fees for coverage. Advisory consultations offered on this page are a separately disclosed service from our publisher, set out in our editorial policy.