For digest readers, the four numbers that matter for Hdb 3 Room In Clementi in the latest reporting period are: (a) transacted volume relative to trailing-12-month averages, (b) median PSF for the comparable-quality sample, (c) gross rental yield (where applicable), and (d) the segment-mix composition that influenced the headline aggregate. Cross-reference the chart in this digest against URA for verified caveat-level detail, and against the URA Property Price Index for the quarterly cycle-level benchmark.
The bedroom-type transaction patterns reading for Hdb 3 Room In Clementi reflects the interplay between (1) the policy environment (IRAS ABSD rates for buyer-side cooling, IRAS BSD rates for the standard upfront stamp), (2) the financing cost environment (MAS SORA dashboard for the floating-rate benchmark plus typical 0.6–0.85% bank spread = ~4.0% all-in), and (3) the MAS TDSR / cooling measures explainer that caps debt-servicing at 55% of gross income. Each of these levers can shift period-to-period readings independently.
The the latest reporting period HDB bedroom-type digest digest for Hdb 3 Room In Clementi sits within a defined cycle context. Bedroom-type distribution shifts with policy and rate cycles; the modal categories (2- and 3-bedroom mid-floor) dominate volume. This digest reads the period’s data alongside the structural framework set by Singapore’s post-April-2023 cooling-measure regime — foreigner ABSD at 60%, Singapore Citizen second-property ABSD at 20%, 3M SORA in the 3.0–3.5% band — that shapes how the raw figures translate into actionable buyer or seller decisions (as of 2026-Q1).
- Average resale price: $457,011
- 229 transactions in the last 12 months
- Average PSM: $6,636
- Average remaining lease: 57 years
Overview
3-Room HDB flats in Clementi are analysed below using the latest resale transactions from data.gov.sg. Over the past 12 months, there were 229 resale transactions with an average resale price of $457,011. The average remaining lease is approximately 57 years, which shapes loan eligibility and CPF usage for buyers.
This page covers four decision-critical dimensions: recent price trend (so you know if you are buying into an up-cycle or down-cycle), storey premium (to judge whether a higher floor is worth the extra capital), the most active streets (for location liquidity), and the financing context that HDB buyers in Clementi need to plan for. Use this alongside our HDB Affordability Calculator to translate the headline averages into a concrete monthly payment and cash outlay.
Price Trend
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| Month | Avg Price | Volume |
|---|---|---|
| 2024-07 | $402,122 | 31 |
| 2024-08 | $412,228 | 24 |
| 2024-09 | $438,327 | 18 |
| 2024-10 | $454,880 | 26 |
| 2024-11 | $473,368 | 16 |
| 2024-12 | $453,325 | 20 |
| 2025-01 | $465,684 | 19 |
| 2025-02 | $423,368 | 16 |
| 2025-03 | $455,674 | 23 |
| 2025-04 | $446,233 | 21 |
| 2025-05 | $462,557 | 23 |
| 2025-06 | $455,006 | 23 |
| 2025-07 | $452,609 | 29 |
| 2025-08 | $455,776 | 23 |
| 2025-09 | $438,631 | 28 |
| 2025-10 | $452,074 | 12 |
| 2025-11 | $416,635 | 14 |
| 2025-12 | $436,407 | 12 |
| 2026-01 | $453,408 | 22 |
| 2026-02 | $457,424 | 16 |
| 2026-03 | $490,942 | 16 |
| 2026-04 | $446,785 | 15 |
| 2026-05 | $494,649 | 22 |
| 2026-06 | $476,889 | 20 |
Top Streets
| Street Name | Transactions | Avg Price |
|---|---|---|
| CLEMENTI AVE 4 | 50 | $523,397 |
| CLEMENTI WEST ST 2 | 32 | $395,837 |
| CLEMENTI AVE 5 | 30 | $444,523 |
| CLEMENTI AVE 2 | 30 | $444,389 |
| CLEMENTI WEST ST 1 | 24 | $417,586 |
| WEST COAST RD | 22 | $389,661 |
| CLEMENTI AVE 3 | 18 | $539,097 |
| WEST COAST DR | 15 | $389,666 |
| CLEMENTI AVE 1 | 5 | $684,638 |
| CLEMENTI AVE 6 | 1 | $665,000 |
Financing & Buyer Context
Three practical considerations should shape any 3-Room purchase in Clementi:
- Loan tenure and age: HDB loan tenure is capped at 25 years for HDB Loan and 30 years for bank loans, subject to the remaining lease covering the youngest buyer to age 95. With an average remaining lease of around 57 years in Clementi, younger buyers will still qualify for full tenure, but older buyers should verify CPF usage limits.
- CPF usage cap: Where the remaining lease is under 60 years, CPF usage is pro-rated against a formula tied to the youngest buyer's age. This can materially reduce the cash-CPF mix available for your downpayment.
- MSR and TDSR: Mortgage Servicing Ratio is capped at 30% of gross monthly income for HDB purchases (50% combined TDSR for private loans). Budget early for these ceilings before committing.
The the latest reporting period period’s bedroom-type transaction patterns for Hdb 3 Room In Clementi reflects specific micro-level drivers. Within the aggregate figure, individual sub-segments (different unit types, floor bands, tenure types) typically move at different rates — the period’s ‘top movers’ are units or sub-cohorts whose performance deviated meaningfully from the mean. For investors and sellers, identifying these movers is more useful than the headline average because the mean smooths out the dispersion that creates actual buying or selling opportunities.
Typical top-mover categories in any digest period include: (a) freehold units in 99-year-dominated districts that command a meaningful tenure premium, (b) high-floor units in projects with strong views or panoramic orientation (5–15% PSF premium vs low-floor in same project), (c) recently-renovated stock that commands ~5–10% premium over comparable un-renovated transacted PSF, and (d) units close to recently-opened MRT lines or new developments that create proximity-premium uplift. For Hdb 3 Room In Clementi in the latest reporting period, the dispersion across these categories is the more informative reading than the headline median. Use HDB grant calculator for cross-reference.
Conversely, soft-mover categories typically include 99-year leasehold stock approaching financing-window thresholds (lease <30 years), units with unfavourable orientation or noise exposure, and developments where MCST management quality has degraded. Cross-reference URA for the per-project caveats and assess which projects in Hdb 3 Room In Clementi fall into which category.
The embedded chart for this HDB bedroom-type digest digest of Hdb 3 Room In Clementi in the latest reporting period visualises the bedroom-type transaction patterns trajectory. The two readings to focus on are (1) the absolute level versus the trailing-12-month mean, and (2) the direction of change across the most recent 3–4 periods. A single-period spike or trough is rarely informative; sustained directional movement across multiple periods signals a structural shift worth acting on.
For comparative context, place Hdb 3 Room In Clementi’s the latest reporting period reading against (a) the corresponding national-level URA Property Price Index figure for the segment, and (b) the equivalent reading in adjacent districts or towns. The relative positioning — whether Hdb 3 Room In Clementi is leading or lagging the national segment — informs whether the period’s reading is geography-specific or part of a broader cycle move. Use HDB prices map for district-level visual comparison and HDB yield calculator for direct numeric benchmarking.
Looking ahead from the latest reporting period, the forward variables for Hdb 3 Room In Clementi bedroom-type transaction patterns are (a) the URA Government Land Sales pipeline within a 1km radius, which determines new-supply pressure, (b) the SORA trajectory over the next 2–4 quarters, which shapes mortgage-driven affordability, and (c) any local infrastructure changes (new MRT stations, school openings, redevelopment of neighbouring plots) that could shift relative attractiveness. Track these via URA and the MAS SORA dashboard (as of 2026-Q1).
Frequently Asked Questions
What is the average price of a 3-Room HDB flat in Clementi?
How does storey level affect 3-Room prices in Clementi?
Can I use CPF and an HDB loan to buy a 3-Room flat in Clementi?
Is Clementi a good location for a 3-Room HDB flat?
How was this bedroom-type transaction patterns figure computed?
The figure is derived from URA caveats for Hdb 3 Room In Clementi filed during the latest reporting period. bedroom-type transaction patterns computations follow standard methodologies: gross yield = annual rent / purchase price for the same unit cohort; transacted PSF = price / floor area; volume = caveat count for the segment. For HDB digests the equivalent source is the HDB resale portal.
How does this period compare to the same period a year ago?
Year-over-year comparison strips out seasonality. The most informative read is whether the latest reporting period’s bedroom-type transaction patterns reading is materially above or below the equivalent period one year earlier, controlling for the broader Singapore property cycle. Use the URA Property Price Index for cycle-level context.
What policy environment shaped this reading?
The reading sits within the post-April-2023 cooling-measure regime: foreigner ABSD 60%, SC second-property ABSD 20%, TDSR 55% per the MAS TDSR / cooling measures explainer. SORA-linked mortgage rates near 4.0% effective shape the affordability ceiling. These structural variables affect demand-side composition across all digest periods since 2023.
Should I act on this digest?
Honest answer: depends on holding horizon and buyer profile. For owner-occupiers with 10+ year horizons, single-period digest readings rarely trigger action. For sellers or short-horizon investors, sustained directional moves across 3–4 periods may indicate timing windows. Cross-reference your specific buyer profile via the IRAS BSD rates and CPF home ownership rules alongside the digest data.
Methodology & Sources
This analysis covers Last 12-24 months and refreshes on demand.
Transaction data sourced from URA.
- HDB resale transactions sourced from data.gov.sg (updated daily).
- Storey premium computed from average prices per storey range; the same flat type is compared across bands to isolate the floor effect.
- Loan tenure, LTV, and MSR rules per HDB and MAS.
- CPF usage and pro-rating rules reference CPF Board.
Median values used to minimise outlier impact. PSF = price per square foot.