Singapore, often hailed as a global hub for business and culture, offers a vibrant lifestyle—but it’s no secret that the cost of living here is one of the highest in the world. Whether you’re relocating for work or just curious, understanding how expenses vary across Singapore’s districts can help you plan your finances better.
In this blog, we’ll break down the cost of living in Singapore’s various districts, from housing to daily essentials.
Why Does District Matter in Singapore’s Cost of Living?
Singapore is divided into 28 districts, each with its unique vibe, amenities, and, of course, price tag. Here’s why district matters when planning your budget:
- Proximity to the Central Business District (CBD): Districts closer to the CBD (like Districts 1, 2, and 9) typically have higher housing costs due to their accessibility to major offices and entertainment hubs.
- Lifestyle Options: Whether you’re into serene suburban living or lively city life, each district caters to different lifestyles.
- Amenities and Connectivity: Access to MRT stations, schools, and shopping malls can greatly influence costs.
So, whether you’re seeking a high-end condo or a budget-friendly HDB flat, understanding the dynamics of each district is crucial.
Housing Costs: From Luxury to Budget-Friendly
Housing is often the biggest expense for residents in Singapore. Here’s what you can expect based on the district:
1. Central Districts (1, 2, and 9): The Heart of It All
- Average Rent for a Condo: $5,000–$8,000 per month
- HDB Flats: Rare but expensive, often exceeding $3,500 per month for a 3-room flat.
The central districts are perfect for those who love the hustle and bustle. You’re paying a premium for proximity to Marina Bay, Orchard Road, and top-notch restaurants. However, it comes at a hefty price—ideal for expats and high-income locals.
2. Districts 15 and 16: East Coast Living
- Average Rent for a Condo: $3,500–$5,500 per month
- HDB Flats: Around $2,500–$3,500 per month
These districts are famous for their beachfront charm and lifestyle perks. The East Coast is home to excellent schools, great food, and recreational activities like cycling along East Coast Park. Properties like The Continuum, a premium condominium in District 15, offer modern luxury combined with unbeatable connectivity to both the city center and Changi Airport.
3. Districts 19 and 20: The Best of Both Worlds
- Average Rent for a Condo: $2,500–$4,500 per month
- HDB Flats: $1,800–$2,800 per month
Located slightly farther from the CBD, districts like Ang Mo Kio and Serangoon offer a balance of affordability and convenience. They’re popular with families, thanks to their reputable schools and green spaces.
4. Districts 22 and 23: The West Side
- Average Rent for a Condo: $2,000–$4,000 per month
- HDB Flats: $1,500–$2,500 per month
Jurong and Bukit Batok are rapidly developing, offering lower rental prices compared to the city center. With the upcoming Jurong Lake District project, this area is set to become a major hub in the next decade.
5. Districts 25–28: North and Northeast Suburbs
- Average Rent for a Condo: $1,800–$3,500 per month
- HDB Flats: $1,200–$2,000 per month
For those seeking affordability, the northern and northeastern districts (like Woodlands and Sengkang) are your go-to. While they’re farther from the city, they make up for it with peace and quiet, plus growing amenities.
Daily Expenses Across Districts
Beyond housing, your daily costs can vary depending on where you live.
1. Transportation
Singapore’s public transportation system is world-class and affordable, with MRT and bus rides ranging from $0.92 to $2.17 per trip. If you live near an MRT station, commuting costs will be minimal, regardless of your district.
2. Food
- Hawker Centers: $3–$6 per meal (a lifesaver for budget-conscious residents).
- Mid-Range Dining: $20–$50 per person.
- Fine Dining in Central Areas: $100+ per person.
Central districts and trendy neighborhoods like Tiong Bahru (District 3) tend to have pricier cafés and restaurants compared to suburban areas.
3. Utilities and Internet
Expect to spend $150–$200 per month on utilities for a family-sized apartment, with slight variations based on property size and usage. High-speed internet packages start at $50 per month.
4. Groceries
- Supermarkets like NTUC FairPrice: $400–$600 per month for a family of four.
- Premium Grocers (e.g., Cold Storage): $800+ per month for similar items.
What About Education?
For families, education costs are a significant factor. Public schools are affordable (with fees for PRs starting as low as $155 per month), while international schools like UWCSEA or Tanglin Trust can cost upwards of $30,000 per year.
The district you live in matters if you’re eyeing specific schools, as proximity often gives you an edge in enrollment.
Healthcare Costs
Singapore’s healthcare system is both high-quality and affordable. Residents can rely on government subsidies for public hospitals or choose private clinics for more personalized care.
- GP Visit: $20–$50 per visit.
- Specialist Consultation: $100–$200.
- Health Insurance: Around $300–$600 annually, depending on coverage.
Final Thoughts: Where Should You Live?
Choosing a district in Singapore depends on your priorities. If you’re looking for luxury and convenience, central districts and high-end condos like The Continuum are worth considering. For budget-friendly living, the northern and western suburbs offer great value.
No matter where you settle, Singapore’s efficient public transport system, excellent amenities, and diverse culture make it a fantastic place to live.
