HDB or condo, and what it really costs to move in. Plus the work-pass bar you need to clear first.
✓ 2026 · HDB/condo + EP rules
Place type
Cash to move in (1-year lease)
—
first month + 1-month deposit + ½-month agent fee
HDB avg
~S$3,200
Condo avg
~S$4,500
💡 Before you rent: you need a valid pass (EP/S Pass/DP, 6+ months) — verify on MOM/ICA. HDB flats have an 8–11% foreigner quota per block and a 3-month minimum; condos have no quota.
The Employment Pass bar (2026)
New EP applicants need at least S$5,600/month (S$6,200 in finance), rising with age to ~S$11,800 at 45+, and must pass the COMPASS points test. Deposit is 1 month for a 1-year lease, 2 months for 2 years.