Rental Yield Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists rental yield results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Gross rental yield | Net rental yield | Net annual income |
|---|---|---|---|
| Property price: 1,100,000, Monthly rent: 3,800, Annual costs: 9,000 | 4.15% | 3.33% | S$36,600.00 |
| Property price: 550,000, Monthly rent: 3,800, Annual costs: 9,000 | 8.29% | 6.65% | S$36,600.00 |
| Property price: 825,000, Monthly rent: 3,800, Annual costs: 9,000 | 5.53% | 4.44% | S$36,600.00 |
| Property price: 1,375,000, Monthly rent: 3,800, Annual costs: 9,000 | 3.32% | 2.66% | S$36,600.00 |
| Property price: 1,650,000, Monthly rent: 3,800, Annual costs: 9,000 | 2.76% | 2.22% | S$36,600.00 |
| Property price: 2,200,000, Monthly rent: 3,800, Annual costs: 9,000 | 2.07% | 1.66% | S$36,600.00 |
How these were worked out
Gross yield = annual rent ÷ price; net yield = (annual rent − annual costs) ÷ price.
Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.
CPF Ordinary Account savings can pay for the downpayment, stamp duties and monthly instalments, but using CPF reduces the money compounding for retirement, and the amount withdrawn plus accrued interest must be refunded to your CPF account when you sell.
Beyond the price, buyers should budget for legal fees, valuation, home insurance, renovation and furnishing. Running the figures in advance helps you decide how much cash to hold back and whether a smaller loan or longer tenure makes more sense.
Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.
Tips
- A second housing loan drops the LTV limit sharply and raises the minimum cash downpayment to 25%.
- Budget for legal fees, valuation, renovation and moving costs on top of the downpayment and stamp duties.
- Seller's Stamp Duty can wipe out the gains on a quick resale, so check your holding period before selling.
Related calculations
- Property Affordability Calculator: Estimates the biggest loan and property price your income supports under TDSR, using the stress-test rate banks apply.
- Home Loan Refinancing Calculator: Compares your current mortgage with a new rate to show the monthly saving and how long switching costs take to recover.
- Property Downpayment Calculator: Splits the downpayment into cash and CPF and shows the remaining loan.
- Buyer's Stamp Duty (BSD) Calculator: Calculates Buyer's Stamp Duty on a Singapore residential property using the tiered rates from 1% to 6%.
For your exact numbers, use the Rental Yield Calculator.
Run your own numbers: Rental Yield Calculator