5 Cheapest 4 Room HDB Flats In Central Singapore (From $495K)

Last week, we looked at some of the most affordable 5-room flats in central Singapore. This time, we’re narrowing the focus to 4-room flats; ideal for smaller families or couples who still want that bit of extra space.

Most of the picks this week are in older estates, so while you’ll get generous layouts and mature amenities, the age of the flat is something to factor in. Still, if you’re after centrality, space, and value, these are some of the most compelling options on the resale market today.

Missed last week? You can view the previous issue here. 

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Now let’s get on with the list of curated units this week!

1

214 Lorong 8 Toa Payoh

$495,000

Why I like it

If you’re after a well-sized flat in a mature estate with strong connectivity, this 4-room unit in Toa Payoh could be worth a look.

At 1,011 square feet, the layout is simple and efficient—ideal for those who value practical, no-frills living. Being a corner unit, you’ll also enjoy a bit more privacy with fewer neighbours passing by your front door.

The kitchen is long and functional, with the option to carve out a service yard if needed. And even though the flat sits around the treeline, it still gets a decent amount of natural light throughout the day.

As for location, it’s classic Toa Payoh: you’re within walking distance of three markets and food centres, Jackson Square, and a park connector that leads to Kallang Riverside Park. Families might also appreciate that it’s within 1km of Pei Chun Public School. Braddell MRT (NSL) is a short bus ride away—or a manageable walk if you prefer to go on foot.

Note that it’s an older unit, having TOP-ed in 1975, so the lease balance is something to factor in.

– Ryan

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2

104 Henderson Crescent

$508,000

Why I like it

Set within the well-connected Henderson Crescent cluster, this 4-room flat offers a rare mix of centrality and privacy. As a corner unit, it provides a bit more seclusion, and it’s within walking distance of both Redhill and Tiong Bahru MRT stations. Daily conveniences are well covered too, with Artra, Tiong Bahru Plaza, and three established markets and food centres nearby.

Spanning 1,012 square feet, the layout is efficient, and one standout feature is the full-height windows in both the living area and bedrooms—an uncommon feature in older flats. The kitchen is well-utilised with a U-shaped configuration that maximises storage and prep area, while a separate service yard offers added functionality and can be enclosed if preferred.

That said, the unit TOP-ed in 1967, so age is a factor worth weighing for those considering a long-term stay.

– Druce

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3

83 Whampoa Drive

$520,000

Why I like it

For those after something central but a little off the beaten track, this 4-room flat at Whampoa Drive might be one to look at.

It’s tucked in a quiet pocket, within walking distance to Boon Keng MRT (NSL), and just a short stroll to Whampoa Market and Food Centre. Bendemeer Market’s also within reach, and the nearby park connector makes it easy to get to Kallang Riverside Park on foot or bike.

At 968 square feet, this is a corner unit that offers a bit more privacy, and its layout is slightly unique—most would agree that it is in a good way. Unlike most older flats where the bathroom is tucked in the kitchen, here it’s situated along the hallway to the bedrooms, which frees up the kitchen entirely and gives the space a better flow.

The living and dining areas are nicely defined, and there’s an added bonus here: a Space Adding Item (S.A.I.)—essentially an extended living area that’s part of the HIP scheme. Just note that the block has some age on it, so the remaining lease is something to weigh up.

– Ryan J.

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4

542 Ang Mo Kio Avenue 10

$538,000

Why I like it

This corner unit at Ang Mo Kio Avenue 10 may sit closer to ground level, but it still enjoys a surprising amount of natural light, helped along by its clean, efficient layout and well-sized rooms throughout.

At 1,001 square feet, one standout feature is its flexibility: most of the internal walls can be reconfigured, which gives you the freedom to open things up or carve out more defined zones. The store room can also be hacked to enlarge the kitchen or extend the living area, depending on how you like to live.

You’re a short walk to Cheng San Market and the park connector that leads to Bishan–Ang Mo Kio Park. And while Ang Mo Kio MRT Station (NSL) and the Hub are slightly further out, it’s still very much central, just quietly tucked away from the bustle

– Cheryl

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5

204 Toa Payoh North

$539,000

Why I like it

For those after a well-located and functional flat in Toa Payoh, this 4-room unit at Block 204 is worth a look. 

It’s a short walk to Braddell MRT station (NSL), and surrounded by daily conveniences—four markets and food centres are within walking distance, including Toa Payoh West and Kim Keat Palm. You’re also near the park connector that leads to Kallang Riverside Park, which is great for those who cycle or enjoy weekend walks.

Inside, the unit is sized at 936 square feet and offers an efficient and regularly shaped layout, which makes space planning easier. 

One standout is the utility room tucked behind the kitchen. It’s large enough to be converted into a fourth bedroom, study, or hobby space. There’s also enough length in the kitchen to carve out a service yard, or split it into wet and dry zones depending on your needs. 

And for families, Pei Chun Public School is within 1km—always a plus in this area.

– Sean

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