HDB flat owners can rent out individual rooms during their Minimum Occupation Period (MOP) provided they continue residing in the flat. Whole-flat rental is prohibited until MOP completes. Maximum 6 occupants per flat (including owners and tenants) for 4-room and larger flats; 4 occupants for 1-3 room flats. Rental income is taxable.
HDB room rental rules
HDB allows room rental during MOP under the Bedroom Rental Scheme. Source: HDB Bedroom Rental.
| Item | Rule |
|---|---|
| Owner occupancy | Required — at least one owner must reside in the flat |
| Maximum occupants (incl. owners) | 6 for 4+ room; 4 for 1-3 room |
| Tenant type | SC, PR, work-pass holders. Tourists prohibited. |
| Lease minimum | 6 months |
| Registration | Must register tenants with HDB within 7 days |
| Tax | Net rental income (after expenses) taxable in income tax |
Whole-flat rental — only after MOP
After MOP completes, the owner may rent out the entire flat to approved tenants. Restrictions:
- Maximum 6 occupants for 4+ room flats
- Tenant type: SC, PR, work-pass holders
- Tourist short-term rental (Airbnb-style) prohibited under URA Short Term Accommodation rules
- Owner must register the rental with HDB within 7 days
Worked example: Room rental income
| Item | Amount |
|---|---|
| 4-room HDB in Toa Payoh, owner-occupied | — |
| Common room rental (monthly) | S$1,200 |
| Annual gross rental | S$14,400 |
| Less utilities pro-rata | −S$1,200 |
| Less maintenance pro-rata | −S$600 |
| Net taxable rental | S$12,600 |
| Marginal income tax @ 11.5% | S$1,449 |
| Net cash benefit | S$11,151/year |
See related: Singapore HDB buying guide.
Frequently asked questions
Can I rent out my flat on Airbnb?
No. Short-term accommodation (less than 6 months) in HDB flats is prohibited under URA rules.
Do I need HDB approval to rent a room?
Yes. Registration is required within 7 days of tenant move-in via the HDB website.
Can I rent rooms to foreign students?
Yes, if they hold a valid Student Pass. Tourists on visit passes are prohibited.