Starting a home renovation in Singapore can feel really exciting. But, it is important to understand the costs. Knowing the expenses can make your experience smooth and more affordable. The renovation process in Singapore can be costly.
This guide provides helpful information about what impacts renovation costs. It also shares tips to help you create your dream home while staying on budget.
What factors contribute to the cost of a complete house renovation?
Many things affect the costs of house renovation. These include the house size, the quality of materials, how much work needs to be done, labor costs, permit fees, location, and unexpected expenses. It is very important to plan and budget for these factors. This will help you avoid going over budget during the renovation process.
Key Highlights
- The cost of renovation in Singapore depends a lot on the size of your home, the type of work you want, and the materials you pick.
- You will likely pay more for resale flats than for new BTO flats. This is because resale flats usually need extra work, such as hacking, masonry, and electrical tasks.
- Labor and material costs for big renovation jobs like hacking, masonry, and carpentry can really increase the overall cost.
- First, think about what you need for your renovation. Take time to research and compare prices from different suppliers. You might also want to look into financing options, such as renovation loans, to help with your budget.
- Having home insurance for your newly renovated home is a smart way to protect yourself financially against surprise events.
Understanding House Renovation Costs in Singapore
The cost of home renovation in Singapore varies a lot. It depends on several key factors, especially the size of your home. Bigger homes need more materials and workers, so they usually cost more. For instance, a small 3-room flat will need a smaller budget than a larger 5-room flat.
The kind of property matters too. Renovating a resale flat often costs more than fixing up a new BTO (Built-To-Order) flat. This is usually because resale flats might need more work. You may have to knock down walls, add new wiring, and replace old fixtures.
The Impact of Property Type on Renovation Expenses
| Property Type | Cost Range (SGD) | Typical Scope |
|---|---|---|
| HDB BTO | 10,000 – 60,000 | Kitchen, wardrobe, and furniture |
| HDB Resale | 30,000 – 100,000 | Full home design + furniture |
| New Condo | 10,000 – 60,000 | Furniture only |
| Resale Condo | 30,000 – 150,000 | Full home design + furniture |
| Landed Property | 200,000 – 800,000+ | Whole property renovation |
The type of property you own can really change the overall renovation cost. HDB flats, condominiums, and landed properties all have different needs and average costs.
HDB flats often have many rules for renovations. These rules can make the project harder and more expensive. Condominiums may already include some features and facilities. Depending on their condition and what you want, this might help you save money.
Landed properties give you more options and freedom to change things. But, they usually need a lot of renovation work. This can increase costs for materials, labor, and special services.
Comparing the Costs: HDB vs. Condominium vs. Landed Property
| Property Type | Basic Cost Range (SGD) | Scope Breakdown | Typical Areas |
|---|---|---|---|
| HDB BTO 4-Room | 20,000 – 30,000 | Kitchen: 8,000 – 15,000 | Basic renovation |
| Bathroom: 6,000 – 12,000 | Flooring | ||
| Flooring: 3,000 – 6,000 | Painting | ||
| HDB Resale | 30,000 – 70,000 | Living Room: 2,100 – 7,900 | Full renovation |
| Kitchen & Bathroom | Hacking works | ||
| Carpentry works | Electrical | ||
| New Condo | 25,000 – 45,000 | Basic renovation | Light carpentry |
| Minimal hacking | Basic fixtures | ||
| Basic carpentry | Painting | ||
| Resale Condo | 40,000 – 80,000 | Kitchen: 15,000 – 30,000 | Full renovation |
| Bathroom: 10,000 – 20,000 | Major hacking | ||
| Flooring & Carpentry | Rewiring | ||
| Landed Property | 200,000 – 800,000+ | Kitchen: 30,000 – 80,000 | Structural changes |
| Bathroom: 15,000 – 30,000 | Multiple rooms | ||
| Living/Dining: 20,000 – 50,000 | Extensive work |
On average, fixing up a 3-room HDB flat can cost between S$30,000 and S$50,000. A 4-room HDB flat can cost between S$40,000 and S$70,000. A 5-room HDB flat usually costs between S$50,000 and S$90,000 or even more. The final price depends on several factors.
Condos can be a bit more expensive. For small units, renovations can start at S$40,000. For larger units, costs may go over S$100,000. The price also depends on the current fixtures and the state of the property.
Renovating landed properties costs the most money. This is due to their large size and the chance for more custom work. Prices start at S$80,000. They can go up a lot depending on how much work is needed.
Key Components of House Renovation Costs
| Component | Basic Range (SGD) | Extensive Range (SGD) | Typical Scope |
|---|---|---|---|
| Hacking | 300 – 1,000 | 2,500 – 8,500 | Wall removal, flooring |
| Masonry | 700 – 3,000 | 9,000 – 21,000 | Tiling, brick work |
| Carpentry | 2,500 – 6,000 | 13,000 – 25,000 | Cabinets, wardrobes |
| Plumbing | 1,000 – 2,400 | 8,700 – 48,000 | Pipes, fixtures |
| Electrical | 1,100 – 2,500 | 9,500 – 16,300 | Wiring, power points |
| Painting | 850 – 1,700 | 4,950 – 8,000 | Walls, ceiling |
| Glass & Aluminum | 1,250 – 3,450 | 10,250 – 15,000 | Windows, doors |
| Kitchen | 5,000 – 10,000 | 12,000 – 18,000 | Counters, cabinets |
| Bathroom | 3,000 – 5,000 | 6,000 – 12,000 | Fixtures, tiling |
Breaking down renovation costs into key parts helps you understand where your money goes. Knowing these parts will help you make better decisions.
The main parts are structural changes, electrical work, plumbing work, and interior design. Each area has its own costs. These costs depend on labor, materials, and how complicated the work is.
Structural Changes and Their Cost Implications
Structural changes are key to your renovation project. They greatly impact the overall cost. This includes tasks such as knocking down walls to alter the layout, constructing new walls or sections, and tackling the flooring work.
The changes to the structure can change the cost of both labor and materials. A lot of hacking and masonry work will increase these costs. The type of flooring you pick is also important for your budget. You can choose from less expensive options like ceramic tiles to pricier ones like marble or hardwood.
You might need to bring in a skilled structural engineer for some of these changes. This can increase the overall cost. Planning these changes carefully will help you achieve the results you want while keeping costs low.
Cost Analysis of Electrical and Plumbing Work
Electrical Services
| Service Type | Cost Range (SGD) |
|---|---|
| Power Point Installation | 40 – 80 per point |
| Light Point Installation | 40 – 80 per point |
| Room Wiring (3-Room) | 1,000 – 2,000 |
| Room Wiring (4-Room) | 1,500 – 2,500 |
| Room Wiring (5-Room) | 2,000 – 3,000 |
| Circuit Breaker Replacement | 50 – 100 |
| Safety Inspection (HDB) | 150 – 300 |
Plumbing Services
| Service Type | Cost Range (SGD) |
|---|---|
| Toilet Installation | 200 – 400 |
| Basin Installation | 150 – 200 |
| Kitchen Sink Tap | 60 – 150 |
| Shower Set Replacement | 140 – 200 |
| Pipe Leak Repair | 80 – 200 |
| Toilet Bowl Unclogging | 80 – 300 |
| Floor Trap Clearing | 50 – 150 |
| Full House Piping | 800+ |
Electrical and plumbing work play a key role in a renovation project. Even though these systems are often out of sight, they greatly affect comfort and how well things function. They also significantly influence the renovation cost.
Electrical work includes tasks such as rewiring, installing new power points, and adding new lights or appliances. The cost can change based on what you need for the project. If you want to upgrade to modern appliances or add smart home features, it can make the costs higher.
Plumbing work involves putting in new pipes, fittings, and water heaters. The cost varies based on how complex the job is and what materials are used. Changing pipes, enhancing water pressure systems, or adding fixtures that save water will affect the total budget.
Interior Designing Costs: Essentials vs. Luxuries
| Category | Essential Costs (SGD) | Luxury Costs (SGD) |
|---|---|---|
| Living Room | 3,000 – 8,000 | 15,000 – 30,000+ |
| Kitchen | 5,000 – 15,000 | 20,000 – 50,000+ |
| Bedroom | 2,500 – 6,000 | 10,000 – 25,000+ |
| Bathroom | 3,000 – 8,000 | 12,000 – 30,000+ |
| Flooring | 3,000 – 8,000 | 15,000 – 40,000+ |
| Lighting | 1,000 – 3,000 | 5,000 – 15,000+ |
| Paint | 1,000 – 2,500 | 3,000 – 8,000+ |
| Furniture | 5,000 – 15,000 | 30,000 – 100,000+ |
| Smart Home Systems | Not included | 10,000 – 50,000+ |
| Custom Carpentry | 3,000 – 8,000 |
Interior design elements affect how your space looks and functions. Bringing in an interior designer can provide useful skills and creative thoughts. However, it might increase your overall design costs.
The fees for an interior designer can vary. It depends on their experience and the size of your project. Usually, you can expect to pay a few thousand dollars just for a consultation. If you want full design services, they may charge a percentage of the total renovation cost.
When you think about interior design, it’s important to understand what home improvements you need and what luxury items you want. By focusing on the essential features within your budget, you can spend your money wisely. If you have some extra cash, you might think about adding luxury elements.
A good budget is key for a successful renovation project. It helps you make smart choices as you go. This way, you can avoid any unexpected money problems.
Start by making a budget that matches your money situation and goals. Break the budget into the key areas of the renovation. Assign a specific amount for each area. Don’t forget to set aside extra money for unexpected costs. A good rule is to save about 10-20% of the total budget for this.
How to Set a Realistic Renovation Budget
Setting a realistic renovation budget is key for a smooth renovation process. Start by checking the average renovation cost for jobs similar to yours. Think about the size of your property, the type, and what you plan to do.
Next, find out how much you can spend. Check your savings and income. Also, look at any ways to get money. This will help you set a budget that feels right for you.
It’s a good idea to write down what you need and want. First, list the important home improvements. After that, write down the upgrades that are not essential but that you like. This helps you use your budget wisely where it is most needed. It will also help you make better choices if you need to change things later.
Basic Budget Allocation
| Category | Percentage of Total Budget | Typical Cost Range (SGD) |
|---|---|---|
| Carpentry | 30-40% | 15,000 – 40,000 |
| Flooring | 15-20% | 8,000 – 20,000 |
| Kitchen | 15-20% | 8,000 – 25,000 |
| Bathroom | 10-15% | 5,000 – 15,000 |
| Electrical | 8-12% | 3,000 – 12,000 |
| Plumbing | 5-10% | 2,000 – 10,000 |
| Painting | 5-8% | 2,000 – 8,000 |
| Lighting | 3-5% | 1,500 – 5,000 |
Budget by Property Size
| Property Size | Basic (SGD) | Mid-Range (SGD) | Premium (SGD) |
|---|---|---|---|
| 3-Room HDB | 20,000 – 30,000 | 30,000 – 45,000 | 45,000+ |
| 4-Room HDB | 30,000 – 40,000 | 40,000 – 60,000 | 60,000+ |
| 5-Room HDB | 40,000 – 50,000 | 50,000 – 75,000 | 75,000+ |
| Condo | 40,000 – 60,000 | 60,000 – 100,000 | 100,000+ |
| Landed | 100,000 – 200,000 | 200,000 – 400,000 | 400,000+ |
Contingency Planning
| Budget Type | Recommended Buffer |
|---|---|
| Basic | 10% of total budget |
| Mid-Range | 15% of total budget |
| Premium | 20% of total budget |
Tips for Keeping Renovation Costs Under Control
To keep renovation costs low, you need to plan well and make smart choices. A good tip is to plan your renovation early. This helps you compare quotes from different contractors or designers. Always ask for clear details about costs. You should also try to negotiate better prices for materials and labor.
Think about getting the materials yourself. This way, you can have more control over the quality and cost. You can look for options to buy directly from suppliers or wholesalers. This can help you save money. Picking some less expensive finishes can also save a lot without losing the look you want.
- Plan your renovation during a good time.
- Avoid busy seasons or holidays.
- Labor costs rise during high demand times.
- A good schedule can save you money.
- It will also help keep your project on track.
Financing Options for Your Renovation Project
If you need money for your home renovation project, there are many ways to get it. Renovation loans are a good choice for these projects. They often have good interest rates and flexible payment plans.
You can use personal loans for renovations. They give you more choices for how to use the money. But, keep in mind that personal loans often have higher interest rates compared to renovation loans.
It is important to look at interest rates, loan amounts, and payment terms from various banks and financial institutions. Doing this will help you find the best financing option that fits your needs and budget.
Loan Types and Features
| Financing Option | Maximum Amount | Interest Rate (p.a.) | Tenure | Key Features |
|---|---|---|---|---|
| Bank Renovation Loan | 6x monthly income or $30,000 | 3.88% – 4.18% | 1-5 years | Specific for renovation work |
| Personal Loan | Up to $250,000 | 2.88% – 3.48% | 1-7 years | Flexible usage |
| Eco-Friendly Renovation Loan | $30,000 | 3.88% – 5.68% | 1-5 years | Green renovation rebates |
| Store Loan | Varies by retailer | 0% (promotional) | 6-24 months | For furniture/appliances |
Eligibility Requirements
| Loan Type | Minimum Income | Age Requirement | Citizenship Status |
|---|---|---|---|
| Bank Renovation | $1,200/month | 21-60 years | Singaporean/PR |
| Personal Loan | $20,000/year | 21-65 years | Singaporean/PR/Foreigner |
| Joint Application | Based on lower income | 21-60 years | At least one owner |
Fees and Charges
| Type of Fee | Renovation Loan | Personal Loan |
|---|---|---|
| Processing Fee | 1-1.25% | $0-$199 |
| Insurance Premium | 1% | Not required |
| Early Repayment | 1-2% | 1-3% |
| Late Payment | $50-80 | $50-100 |
Renovation Costs Breakdown by Room
Renovation costs can vary a lot based on what each room needs. Kitchens and bathrooms usually cost more than other rooms. This is because they require special plumbing and fixtures, as well as more careful work.
Living rooms and bedrooms allow more flexibility with your budget. It all hinges on how detailed your design is, the materials you pick, and whether you want built-in furniture. By knowing the average costs for each room, you can better plan your money for your renovation project.
Bedroom (Per Room)
| Work Type | Light (SGD) | Moderate (SGD) | Extensive (SGD) |
|---|---|---|---|
| Total Cost | 500 – 7,500 | 7,500 – 12,700 | 12,700 – 50,400 |
| Hacking | 200 – 700 | 700 – 1,200 | 1,200 – 6,500 |
| Masonry | 300 – 1,400 | 1,400 – 3,400 | 3,400 – 11,900 |
| Carpentry | 300 – 4,300 | 4,300 – 7,700 | 7,700 – 43,100 |
Bathroom (Per Bathroom)
| Work Type | Light (SGD) | Moderate (SGD) | Extensive (SGD) |
|---|---|---|---|
| Total Cost | 550 – 6,550 | 2,600 – 8,600 | 8,600 – 35,500 |
| Hacking | 100 – 400 | 400 – 1,300 | 1,300 – 7,100 |
| Masonry | 100 – 3,600 | 3,600 – 7,800 | 7,800 – 19,500 |
| Carpentry | 100 – 1,400 | 1,400 – 2,300 | 2,300 – 12,700 |
| Plumbing | 100 – 700 | 700 – 1,200 | 1,200 – 46,700 |
Kitchen Renovation: From Basic Upgrades to Full Makeovers
Kitchens are usually thought of as the center of the home. The cost to renovate a kitchen can vary greatly depending on the work you want to do. A simple update, like fixing cabinets, changing the countertop, and getting new appliances, can cost between S$5,000 and S$15,000.
If you plan to make some changes to your kitchen, adding new cabinets, floors, a backsplash, and improved appliances might cost between S$15,000 and S$30,000 or more. A complete renovation that includes big changes, fancy appliances, and custom cabinets can cost over S$30,000. The total price will depend on the size of your kitchen and the quality of the options you choose.
It is important to think about what you need and what you can afford. This will help you find the right level of renovation for your kitchen that fits your vision.
Cost by Renovation Level
| Renovation Type | Cost Range (SGD) | Included Works |
|---|---|---|
| Basic | 5,000 – 10,000 | Repainting, cabinet doors, light fixtures |
| Moderate | 15,000 – 20,000 | New cabinets, countertops, appliances |
| Extensive | 25,000+ | Layout changes, high-end materials |
Component Costs
| Component | Cost Range (SGD) | Scope |
|---|---|---|
| Demolition | 500 – 3,500 | Removal of old structures |
| Cabinets | 3,500 – 8,000 | Custom cabinetry, storage |
| Countertops | 2,500 – 7,000 | Materials and installation |
| Flooring | 1,800 – 7,000 | Tiles, installation |
| Plumbing | 800 – 2,000 | Sink, fixtures |
| Electrical | 150 – 500 | Wiring, points |
| Appliances | 1,400 – 12,000 | Major appliances |
| Painting | 200 – 500 | Walls, ceiling |
Cost by Property Type
| Property Type | Basic (SGD) | Mid-Range (SGD) | Luxury (SGD) |
|---|---|---|---|
| HDB | 10,000 – 20,000 | 20,000 – 30,000 | 30,000+ |
| Condo | 15,000 – 25,000 | 25,000 – 40,000 | 40,000+ |
| Landed | 20,000 – 30,000 | 30,000 – 50,000 | 50,000+ |
Bathroom Renovation: Cost Factors and Saving Tips
Bathroom renovations can make your space feel better and look great. But they can also cost a lot of money. Changing things like toilets, sinks, and faucets can cost anywhere from a few hundred dollars to several thousand dollars. It all depends on the brand and features you pick.
Cost Breakdown
| Component | Basic (SGD) | Mid-Range (SGD) | Luxury (SGD) |
|---|---|---|---|
| Total Renovation | 3,000 – 6,550 | 5,000 – 8,600 | 8,600 – 35,500 |
| Demolition | 1,200 – 1,500 | 1,500 – 2,000 | 2,000 – 3,500 |
| Tiling | 2,200 – 3,000 | 3,000 – 4,000 | 4,000 – 8,000 |
| Plumbing | 450 – 650 | 1,200 – 1,500 | 1,500 – 3,000 |
| Raw Materials | 750 – 1,000 | 1,000 – 2,000 | 2,000 – 5,000 |
Fixtures and Fittings
| Item | Basic (SGD) | Premium (SGD) |
|---|---|---|
| Shower Screen | 450 – 950 | 950 – 2,500 |
| Door | 300 – 650 | 650 – 1,500 |
| Window | 250 – 750 | 750 – 2,000 |
| Vanity Unit | 850 – 1,200 | 1,200 – 3,000 |
| Toilet Bowl | 200 – 400 | 400 – 2,000 |
Renovation Packages
| Package Type | Cost Range (SGD) | Scope |
|---|---|---|
| Floor Overlay | 1,280 – 1,480 | Basic floor update |
| Wall and Floor Overlay | 2,500 – 3,500 | Overlay without removal |
| Hack and Retiling | 5,000 – 7,500 | Complete renovation |
Tiling can be a large expense. The price of tiling varies based on the kind and size you choose. Labor costs for plumbing and tiling can increase the total renovation cost.
- To save money, consider some smart tips.
- Keep your current fixtures if they are still good.
- Pick cheaper tiles.
- Focus on what you need, not on luxury items.
Living Room and Bedroom Renovation Costs
Renovation costs for the living room and bedroom can change greatly. This is because of factors like flooring, painting, lighting, and built-in furniture. A basic update in these areas, like new paint, flooring, and light fixtures, might cost from S$3,000 to S$8,000 or even higher.
Moderate renovations, which add features like accent walls, false ceilings, and some built-in furniture, can cost between S$8,000 and S$20,000 or more. On the other hand, big renovations that change the structure, include custom furniture, and have high-end finishes can easily exceed S$20,000. This is especially true for larger living rooms or main bedrooms.
Finding a balance between how something works and how it looks is key. Remembering your budget can help you make a space feel cozy and inviting.
Breaking down home renovation costs for a 3-room HDB flat
Let’s look at the possible renovation costs for a 3-room HDB flat. We will consider different levels of work for various areas. Keep in mind that these are just estimates:
| Renovation Item | Light Renovation | Moderate Renovation | Extensive Renovation |
| Living Room | $2,100 – $7,900 | $7,900 – $15,000 | $15,000 – $30,000 |
| Kitchen | $8,900 – $23,200 | $23,200 – $40,000 | $40,000 – $60,000 |
| Master Bedroom | $11,500 – $44,600 | $44,600 – $70,000 | $70,000 – $100,000 |
| Spare Bedroom | $600 or less | $1,000 – $5,000 | $5,000 – $15,000 |
| Bathroom(s) | $2,600 – $5,200 | $5,200- $10,000 | $10,000 – $20,000 |
| Total (estimated) | $25,700 – $78,900 | $81,900 – $140,000 | $140,000 – $225,000 |
You balance your style and budget for this part of your renovation project. This will help you make a space that is both practical and nice to look at. Don’t forget to think about the size of your kitchen and the square footage needed for the cabinets. This will help you understand your total expenses better.
Conclusion
Starting a house renovation in Singapore needs careful planning and budgeting. You should know the costs for each part of the project, like changing the structure, electrical work, and interior design. This knowledge will help you set a realistic budget and control your expenses. Whether you have a 3-room HDB flat or a landed property, understanding the costs per room is important. It helps you make good choices. If you need professional help or want affordable options, consider getting quotes from trusted experts. This can make your renovation process easier and help you build the home you desire. Start your renovation project with confidence and make your dream home a reality.
Frequently Asked Questions
What is the average cost of a complete house renovation in Singapore?
The average cost of a complete house renovation in Singapore is around S$20,000. This is for a simple renovation of a 3-room HDB flat. For bigger condo units, the cost can exceed S$100,000 for more extensive renovations. However, how much you pay for your new home can vary. It depends on several factors, such as the size of the property, the type of property, the materials used, and the labor costs involved.
How can I save money on my house renovation?
One great way to save money on house renovation is to plan carefully. Think about what you need the most. First, set a realistic renovation budget. Make sure to stick to it. You can compare quotes from different contractors too. Look for materials yourself and choose cheaper options. This way, you can lower costs without losing quality.
Is it worth hiring an interior designer for my renovation?
Hiring an interior designer can be a big help for your home renovation. This is especially helpful for large projects or if you want a unique design. Interior designers know how to plan spaces well and have links to many suppliers. However, this will add some extra space to your budget. So, it’s important to think about the benefits and costs to make a smart choice for your new house.
How long does a typical house renovation take in Singapore?
A typical house renovation in Singapore can take anywhere from a few weeks to several months. A simple update may only take weeks. A larger home remodel might need several months. The timeline for the renovation process depends on a few factors. These include how much work there is to do, how complex the design is, the materials you can find, and how well the contractor handles the job.
