Is Our Housing Policy Secretly Singapore’s Most Effective Birth Control?

Get The Property Insights Serious Buyers Read First: Join 50,000+ readers who rely on our weekly breakdowns of Singapore’s property market.

A seasoned content strategist with over 17 years in the real estate and financial journalism sectors, Ryan has built a reputation for transforming complex industry jargon into accessible knowledge. With a track record of writing and editing for leading financial platforms and publications, Ryan's expertise has been recognised across various media outlets. His role as a former content editor for 99.co and a co-host for CNA 938's Open House programme underscores his commitment to providing valuable insights into the property market.
Because lately it feels like if you want a child, you need to sacrifice the square footage where it would learn to walk. That’s the first problem that comes to mind – price – when I look at a 25-year loan tenure and long BTO queues. But price may be adjacent to a wider range of factors, such as:
- Space (or rather, the lack thereof)
- Time to household formation
- Normalisation of dual income
- Policy-induced anxiety in some folks
Let’s start with space, and the gradual shrinking of flat sizes. Back in the 1970s and ’80s, 5-room flats could go up to 1,300+ sq ft. We also had executive apartments. Maisonettes. Balcony spaces big enough to launch the next Mars rocket. Some of these layouts were experimental enough to be weird, sure, but at least they gave you room to be weird.
Today, a “spacious” four-room BTO might clock in at 950 sq ft, and that includes things like the household shelter, which isn’t particularly liveable unless your child is an otter.
Bedrooms have reached the point where, when my neighbour managed to place a queen bed, a full desk, and a wardrobe in the same room, we all gathered to applaud and declare him District Space Planning Wizard.
It’s also a bit annoying that our newest housing types – Prime and Plus flats – the crown jewels of BTOs, launched to anchor great locations and long-term value… don’t come in 5-room sizes. Why? It’s already clear, with the 10-year MOP, that these buyers are far less interested in flipping.
And this bleeds into the time-to-household-formation problem.
You can’t just shack up early and sort it out later: getting the housing here is the sorting out. Couples queue for BTOs like they’re buying season passes to their own future. By the time they get their keys, some have graduated, married, paid off a wedding loan, and decided it’s way too expensive/exhausting to have a second or third child after all. And that’s assuming they even get the flat, since failed balloting attempts could stretch out the time even further.
While the obvious solution to this is resale flats, the price kind of gets in the way of this. It’s one thing to wait for a BTO, and it’s another to drop $900,000 on a four-room flat in Queenstown that’s older than your father-in-law’s NS stories. Yes, moving in is finally immediate; but now you’re staring at the Cash Over Valuation, the 54 years left on the lease, and wondering if your child will inherit the flat or the mortgage.
And it’s not just about money. Buying resale often means a different kind of compromise: older plumbing, odd layouts, tile choices that were cool in the ‘70s but feel like a stab in the eyeballs today, etc. So what do many couples do?
They delay. Delay the flat. Delay the marriage. Delay the kid. Delay the life they want to start until housing permits.
Back in the 1990s or earlier, it was also more possible for one partner to not work, without the whole household collapsing into perpetual cup noodle dinners.
Today? Unless one of you is a high-flyer in the income category, you probably both need to work to afford a 5-room flat (maybe even a 4-room). But when both parents are working full-time – and sometimes beyond full-time – there’s simply less bandwidth to raise a kid, much less multiple kids. And while some families get help from grandparents or a helper, those options come with their own trade-offs: space, privacy, cost, logistics, and, let’s be honest, the delicate politics of who’s “doing it right.”
More from Stacked
How Does Normanton Park’s Former “No-sale License” Matter To Buyers?
Normanton Park is shaping up to be one of the hot launches of 2021. It’s close to the One-North tech…
So yes, we can have children and work. But the way our homes and economy are structured, it can feel like you’re trying to raise children while juggling chainsaws on a tightrope. And we do need to question if we’re getting enough family time with the children, at this particular rate.
And looming over it all is the final boss of housing-related fertility: policy-induced anxiety.
Because even if you clear the affordability hurdle, win the BTO ballot, and feng-shui your bomb shelter into a fortune-maker, there’s still the underlying stress of navigating the system itself. For every couple that feels empowered by grants and MOP timelines, there’s another having a mild existential crisis over whether they accidentally violated some kind of essential occupier rule by listing mum when she only stays over “now and then.”
Want to upgrade later? That’s a whole new maze of ABSD, MSR, and MOP acronyms that you need to navigate. Want to decouple for a second property? Better hope your CPF accounts and the stars are in alignment.
And for those eyeing Prime and Plus flats? You’d better be really sure you’re not going to outgrow that four-room unit, because with the 10-year MOP, you’re not moving to a bigger unit for quite a while.
Is any of this intentional? We doubt so.
These policies came about with the best interests in mind, like fairness. But when you stack it all together – the shrinking flat sizes, the long queues, the pricing, the resale trade-offs, the two-income grind, and the administrative acrobatics – it starts to look an awful lot like accidental family planning by design.
My point is, the conditions under which we’re supposed to want more children – smaller flats, tight budgets, long waits, and complex policies – don’t exactly scream “start a family now.”
If we’re serious about boosting fertility, maybe it’s time to rethink more than just baby bonuses and leave policies.
Meanwhile in other property news
- Before you cynically brush aside Johor as an investment zone, take note that it’s not just Iskandar 2.0
- URA’s new draft master plan is putting up some 80,000 new homes; here’s what to look out for.
- What are the most important factors to consider among the hundreds of factors, when shortlisting a property? Here’s some expert advice.
- Join our Stacked Pro readers, as they explore Forest Woods, which may be one of Serangoon’s secret top-performing condos (whatever its ROI may try to suggest.)
Weekly Sales Roundup (16 June – 22 June)
Top 5 Most Expensive New Sales (By Project)
PROJECT NAME | PRICE S$ | AREA (SQFT) | $PSF | TENURE |
SKYWATERS RESIDENCES | $30,870,000 | 5285 | $5,841 | 99 years |
CANNINGHILL PIERS | $7,505,000 | 2788 | $2,692 | 99 yrs (2021) |
THE CONTINUUM | $4,150,000 | 1464 | $2,835 | FH |
TEMBUSU GRAND | $4,148,000 | 1711 | $2,424 | 99 yrs (2022) |
THE ORIE | $3,850,000 | 1453 | $2,649 | 99 yrs (2024) |
Top 5 Cheapest New Sales (By Project)
PROJECT NAME | PRICE S$ | AREA (SQFT) | $PSF | TENURE |
ONE MARINA GARDENS | $1,230,389 | 420 | $2,931 | 99 yrs (2023) |
LUMINA GRAND | $1,378,000 | 936 | $1,471 | 99 yrs (2022) |
NOVO PLACE | $1,383,000 | 872 | $1,586 | 99 yrs (2023) |
HILL HOUSE | $1,388,025 | 431 | $3,224 | 999 yrs (1841) |
KASSIA | $1,548,000 | 753 | $2,054 | FH |
Top 5 Most Expensive Resale
PROJECT NAME | PRICE S$ | AREA (SQFT) | $PSF | TENURE |
CITYVISTA RESIDENCES | $5,380,000 | 2626 | $2,048 | FH |
THE ARCADIA | $4,650,000 | 3735 | $1,245 | 99 yrs (1979) |
THE INTERLACE | $4,200,000 | 3423 | $1,227 | 99 yrs (2009) |
WATTEN HILL | $4,200,000 | 2669 | $1,573 | FH |
MARTIN MODERN | $4,000,000 | 1421 | $2,815 | 99 yrs (2016) |
Top 5 Cheapest Resale
PROJECT NAME | PRICE S$ | AREA (SQFT) | $PSF | TENURE |
TREASURES @ G20 | $605,000 | 420 | $1,441 | FH |
THE INFLORA | $686,868 | 474 | $1,450 | 99 yrs (2012) |
CENTRA SUITES | $737,000 | 463 | $1,592 | FH |
HIGH PARK RESIDENCES | $760,000 | 452 | $1,681 | 99 yrs (2014) |
LAKE GRANDE | $775,000 | 409 | $1,895 | 99 yrs (2015) |
Top 5 Biggest Winners
PROJECT NAME | PRICE S$ | AREA (SQFT) | $PSF | RETURNS | HOLDING PERIOD |
SOMMERVILLE GRANDEUR | $3,870,000 | 1830 | $2,115 | $2,020,000 | 29 Years |
WATTEN HILL | $4,200,000 | 2669 | $1,573 | $2,000,000 | 17 Years |
THE TRESOR | $3,738,000 | 1399 | $2,671 | $1,908,000 | 16 Years |
MAPLE WOODS | $2,850,000 | 1141 | $2,498 | $1,750,000 | 28 Years |
THE ELEGANCE @ CHANGI | $2,388,000 | 2013 | $1,186 | $1,648,000 | 20 Years |
Top 5 Biggest Losers
PROJECT NAME | PRICE S$ | AREA (SQFT) | $PSF | RETURNS | HOLDING PERIOD |
THE BERTH BY THE COVE | $3,250,000 | 2992 | $1,086 | -$639,600 | 17 Years |
BELLE VUE RESIDENCES | $3,088,000 | 1378 | $2,241 | -$592,000 | 14 Years |
THE SAIL @ MARINA BAY | $2,370,000 | 1033 | $2,294 | -$160,850 | 16 Years |
MARINA ONE RESIDENCES | $2,000,000 | 1055 | $1,896 | -$147,310 | 10 Years |
ESPADA | $900,000 | 377 | $2,389 | -$85,000 | 7 Years |
Transaction Breakdown

Follow us on Stacked for more property news and updates in Singapore.
Ryan J
A seasoned content strategist with over 17 years in the real estate and financial journalism sectors, Ryan has built a reputation for transforming complex industry jargon into accessible knowledge. With a track record of writing and editing for leading financial platforms and publications, Ryan's expertise has been recognised across various media outlets. His role as a former content editor for 99.co and a co-host for CNA 938's Open House programme underscores his commitment to providing valuable insights into the property market.Read next from Singapore Property News

Uncategorized Why More Singaporeans May Soon Trade Condos For Resale HDBs

Singapore Property News This 5-Room HDB in Clementi Just Sold For $1.458M: Here’s What The Seller Could Have Made

Singapore Property News 14,000 Homes In Kranji And A Transformed Woodlands — Will The North Become Singapore’s Next Hotspot?

Singapore Property News NDP Rally 2025: The 4 Key Housing Takeaways for Singaporeans
Latest Posts

On The Market The Cheapest 4-Bedroom Condos Under $1.7M You Can Buy Today

Homeowner Stories We Could’ve Sold Our Home for More, But We Didn’t — Here’s Why We Let It Go in Just 24 Hours

Pro Condo vs HDB: The Estates With the Smallest (and Widest) Price Gaps

Property Advice The Hidden Costs of Hiring a “Cheaper” Agent In Singapore

Property Market Commentary I Tested ChatGPT Against Claude on Singapore Condo Floor Plans — And There Was a Clear Winner

Editor's Pick Treasure at Tampines Pricing Review: How Its Prices Compare to D18, OCR, and the Wider Market

Property Investment Insights Which Resale Two-Bedroom Condos Quietly Made Buyers Six-Figure Profits In Singapore?

Property Market Commentary Why Developers Are Now Building for Families in Singapore’s Most Expensive Districts

Editor's Pick We Toured A Freehold Landed Estate Next To Mount Faber – With Semi-Detached Units From $5.2million

Editor's Pick Singaporeans Are Buying More Overseas Homes — But Few Have Prepared For These Things

On The Market We Found The Cheapest And Biggest 5-room Flats Over 1,400 Sq ft You Can Buy Right Now

Pro Low Floor vs. High Floor: What Transaction Data Reveals About the Premium

Editor's Pick Why I Bought A $1.47M 2-Bedroom Stirling Residences Condo Unit: A Buyer’s Case Study

Property Advice The Math Behind Why 30–35 Is The Sweet Spot To Upgrade From HDB To Condo

Pro Can a One-Bedder Outperform a Two-Bedder? We Analysed 5 Years of Data

Reference your “Top 5 Cheapest New Sales (By Project)”
Taking example from ONE MARINA GARDENS, TENURE 99 yrs (2023), does it means that the 99 starts from 2023 instead of TOP (around 2029)?
Hi there! Yes, the 99-year lease starts from 2023 and not when the project obtains its TOP.