What is your flat worth today?
Pick your block and level. Flatworth reads every resale and rental HDB has registered around it and gives you three figures for a sale and three for renting it out, with the transactions behind each one.
Free to know. Paid to decide.
The Flatworth Estimate stays free, every time, for every flat. The paid reports answer the questions a free number cannot. Selling: what to list at and where your floor is, how your price sits against the Flatworth Estimate and what COV that implies, who can buy your flat on its remaining lease, what waiting costs, and whether to sell or hold. Buying: how much to offer, where to walk away, and what you will pay up front in cash, CPF and stamp duty.
Flatworth check
Free
Unlimited. No sign-up.
- Conservative, median and aggressive sale figures
- Conservative, median and aggressive monthly rent
- Every comparable sale and rental, restated to today
- Your block against the town, charted
The Flat Report (for HDB sellers and landlords)
S$39 one-time
For the flat you are about to sell or rent out.
- List price, target and walk-away floor, each placed against the comparables
- Your prices against the Flatworth Estimate, and the cash a buyer would need above it (COV)
- Who can use full CPF and a full loan tenure on your remaining lease
- What waiting 1, 3, 5 and 10 years costs
- The rent to ask, the town's rental record and the yield
- Sell now or hold and rent it out, five years, netted
- Every sale in your block since 2017
- Shareable link for 90 days, PDF, three re-runs on new sales
- Range promise: if HDB's valuation after your Option lands outside the report's Flatworth Range, we refund the report
Flat Watch (for HDB owners)
S$59 a year
For the flat you are holding.
- A fresh Flatworth Estimate by email every month
- An alert the day a sale or rental in your block registers
- A Flat Report every quarter
- Nothing renews by itself
The Buyer's Report (for HDB buyers)
S$39 one-time
For the flat you are about to offer on.
- An opening offer, a target and a walk-away price, each placed against the comparables
- The cash over valuation (COV) each offer would cost you, in cash
- Up front at each offer: HDB or bank loan, cash and CPF, and Buyer's Stamp Duty
- Whether you can use CPF in full on its remaining lease
- What it may be worth, and rent for, when your own five-year MOP ends
- Every sale in the block since 2017, and the steps from offer to keys
- Range promise: if HDB's valuation after your Option lands outside the report's Flatworth Range, we refund the report
Selling within the year? The Seller's Pack is the Flat Report today and a year of Flat Watch, S$89, S$9 less than both.
| Your question | Free check | Flat Report for sellers and landlords | Flat Watch for owners | Seller's Pack report + a year of watch |
|---|---|---|---|---|
| What is my flat worth to sell, and to rent? | Yes | Yes | Every month | Yes, then monthly |
| Every sale and rental behind the figure | Yes | Yes | Yes | Yes |
| What should I list at, what should I aim for, and where is my floor? | No | Yes | Every quarter | Yes |
| My price against the Flatworth Estimate, and the COV a buyer would need | No | Yes | Every quarter | Yes |
| Who can buy my flat with full CPF on its remaining lease? | No | Yes | Every quarter | Yes |
| What waiting 1, 3, 5 and 10 years costs me | No | Yes | Every quarter | Yes |
| What rent should I ask? The rental record, and my yield | Rent figures | Yes, with the record and yield | Every month | Yes, then monthly |
| Sell now or hold and rent it out, five years netted | No | Yes | Every quarter | Yes |
| An alert the day my block sells or rents | No | No | Same day | Same day |
| The 16 chapters below: map, trends, storeys, lease curve, transactions | No | Yes | Every quarter | Yes |
| Keep the figures fresh | Run it again | 3 re-runs, 90 days | Every month, a year | Both |
| Refund if HDB's valuation lands outside the Flatworth Range | No | Yes | Yes, on each report | Yes |
| Price | Free | S$39 once | S$59 a year | S$89 |
| Analyse a flat |
| Your question | Free check | Buyer's Report for buyers |
|---|---|---|
| What is the flat worth, and what does it rent for? | Yes | Yes |
| Every sale and rental behind the figure | Yes | Yes |
| What should I open at, aim for, and where do I walk away? | No | Yes |
| The cash over valuation (COV) each offer would cost me, in cash | No | Yes |
| Cash, CPF, loan and stamp duty up front at each offer | No | Yes |
| The HDB grants I may get, at today's amounts | No | Yes |
| Can I use CPF in full on its remaining lease? | No | Yes |
| What it may be worth, and rent for, when my own MOP ends | No | Yes |
| Every sale in the block since 2017, and the steps from offer to keys | No | Yes |
| The 16 chapters below: map, trends, storeys, lease curve, transactions | No | Yes |
| Keep the figures fresh | Run it again | 3 re-runs, 90 days |
| Refund if HDB's valuation lands outside the Flatworth Range | No | Yes |
| Price | Free | S$39 once |
| Analyse a flat |
In every paid report, for sellers and buyers alike
- A map of every block behind the figure
- How the estimate was built, sale by sale
- The block against its town
- Town prices since 2017
- The HDB Resale Price Index
- What each storey is worth here
- The lease curve in the town
- The block among its neighbours
- The last three months nearby
- Every transaction in the last 12 months
- When flats change hands, by month
- Sizes and what they fetch
- Price bands of the comparables
- The rental record and yield
- Every sale in the block since 2017
- A PDF with the sections you choose
For property consultants
The Consultant's Report (for CEA-registered salespersons)
One purchase, both sides of the table. The full seller's report for the listing appointment and the full buyer's report for the viewing, for the same flat, each printable on its own, with your name, agency, CEA registration number and phone on every copy.
- The seller's version: list price, target and floor, the COV a buyer would need, who can buy on the lease, what waiting costs, sell or rent out
- The buyer's version: opening offer, target and walk-away, COV, cash, CPF and stamp duty at each offer, grants, value when the buyer's MOP ends
- The 16 shared chapters: map, trends, storeys, lease curve, every transaction nearby
- Six re-runs on new sales, a share link, and a PDF of either version with the sections you choose
The figures are Flatworth's indications from public records, not an HDB or bank valuation; present them that way to clients.
Why sellers and landlords pay S$39 for a report on a S$600,000 flat
One percent on a typical 4-room flat is about S$6,000, and the first two weeks of a listing set the price the market remembers. The Flat Report prices from your block's own record: a list price, a target and a floor you can hold, with the COV risk stated in cash, so the number you defend is yours before anyone else's. It does not replace your salesperson or HDB's valuer. It means neither surprises you.
Renting out instead? The same report gives the rent to ask from approved rentals in your block and within 500 metres, the town's rental record and your yield, and nets five years of rent against selling today, so you know whether letting it out beats selling it. Half a month's rent on the median 4-room flat, S$3,300 across 13,525 approvals in the last year, is S$1,650; asking the right rent from day one pays for the report many times over.
How the figures are made
Flatworth values a flat the way a valuer does: by direct comparison. It gathers the resales HDB has registered for the same flat type in your block and in blocks within 500 metres, keeps only flats whose remaining lease is within five years of yours, and restates each one to today and to your flat. Nothing beyond 500 metres, and no flat outside that lease band, is used or shown as a comparable.
Each sale is brought forward with the town's own monthly price level for your flat type, then adjusted for the difference in storey, floor area and remaining lease. The size of each adjustment is fitted from the last 24 months of sales in your town and held within published ranges (about 0.2 to 1.2 percent a storey, 0.2 to 2 percent a lease year), so a thin month cannot produce a wild figure.
The town as a whole sets the monthly price level and the size of each adjustment, but supplies no comparable. The Flatworth Estimate is the weighted middle of the restated sales: sales in your block count fully, nearby blocks a little more than half; recent sales count more than old ones. The conservative and aggressive figures sit either side at 2.3 times the spread of the flat's own comparables, never under 6% or over 15%. We measured that band on 1,500 registered sales from January to August 2026 that the model had not seen: 85% of the prices fell inside it, and the median miss was 3.5%. Rentals follow the same path on HDB's rental approvals, restated for time only, because the rental record carries no storey or size.
The Flatworth Estimate and Flatworth Range are indications computed from public records by Flatworth, which is not an HDB-appointed valuer. HDB's valuation is issued by its appointed valuer after an Option to Purchase is granted, and it may differ. Data: data.gov.sg, HDB resale transactions from January 2017 and rental approvals from January 2021, under the Singapore Open Data Licence. Flatworth is not affiliated with the Housing and Development Board.
Questions people ask
Is Flatworth an official HDB valuation?
No. Flatworth's figures are indications produced by Flatworth's own analytics from public transaction records. HDB's valuation is issued by its appointed valuer after an Option to Purchase, and a bank's valuation comes from the bank. Use Flatworth to know where you stand before that, and check against the official figures when they arrive.
How accurate is the Flatworth Estimate?
On 1,500 registered HDB resales from January to August 2026 held out of the model, the estimate's median error was 3.5% and 85% of registered prices fell inside the Flatworth Range. The report's range promise refunds the report if HDB's valuation lands outside it.
What data does Flatworth use?
Every HDB resale registered since 2017 and every rental approval since 2021, as published by HDB on data.gov.sg, topped up nightly, plus block locations from OneMap. Nothing is typed in by hand.
How is the estimate calculated?
By direct comparison, the way valuers work. Flatworth takes registered sales of the same flat type in your block and in blocks within 500 metres whose remaining lease is within five years of yours, restates each to today's price level and to your storey, size and lease, and takes the weighted middle. The range is set by how much those comparables disagree.
Is it free?
Yes. The Flatworth Estimate and Range for a sale and for a rental are free for every flat, with no account. Sign in with an emailed code to see every transaction behind the figures, also free. The paid Flat Report at S$39 adds a listing plan, your price against the estimate, who can buy your flat on its lease, and about twenty pages more.
How do I check what my HDB flat is worth?
Pick your town, street, block, flat type and level on this page, or type your postal code. The floor area loads from the block's records and can be changed. Press Analyse my flat and the figures appear in a few seconds.
Does Flatworth work for rental?
Yes. Every check gives three rental figures alongside the sale figures, from HDB's rental approvals in your block and within 500 metres, restated to today's rent level.