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HDB · 310098

Blk 98 Lor 1 Toa Payoh

Project page · 99-year lease from 1970

Indicative value range
S$346,000 – S$367,648
Indicative mid S$352,000 · S$5,176 psm

Based on 3 sales in this block, last 12 months. Search did not need to widen. See the comparable sales.

No storey entered, so sales were not adjusted for height

Comparable sales

Each price per area is scaled to Q3 2026 by the published index for the quarter it sold in.

SoldWhereFloorSizePricePer sqmIndex ×Adjusted
Oct 2026Blk 9801 TO 0368 sqmS$340,000S$5,000 psm×1.000S$5,000 psm
Oct 2026Blk 9813 TO 1568 sqmS$352,000S$5,176 psm×1.000S$5,176 psm
Jan 2026Blk 9816 TO 1868 sqmS$385,000S$5,662 psm×0.996S$5,637 psm

How accurate is this estimate for Lor 1 Toa Payoh?

We re-ran the estimate as of Q1 2026 on what was known at the time, then compared it with the 115 sales in Lor 1 Toa Payoh since.

Median error
5.3%

Half the estimates came closer than this to what the home actually fetched, half missed by more.

What the rent says

What this flat earns against what it costs, set beside what homes like it earn.

10.23% gross yield

S$36,000 of rent a year against the estimate above · 0.49 points above flats like it

Homes like this rent for about S$3,000 a month, the middle of 192 approvals in the last year.

In Toa Payoh, flats of this type with 40 to 49 years of lease left yield 9.74%, from 41 blocks.

A yield above the mark means the flat rents well for what it costs, which can point to a keen rental patch or a price the sales alone have not caught up with. Below it, buyers are paying for something a tenant will not, such as the address itself.

Recent rental approvals used

ApprovedBlockFlatRent a month
Sept 2026131A3 ROOMS$3,600
Sept 20261113 ROOMS$3,500
Sept 20261583 ROOMS$3,300
Sept 20261103 ROOMS$3,200
Sept 20261583 ROOMS$3,200
Sept 20261133 ROOMS$3,150
Sept 20261573 ROOMS$3,000
Sept 20261283 ROOMS$2,900

median of 192 HDB rental approvals for 3 ROOM on Lor 1 Toa Payoh since 2025-11.

Buying or selling at S$352,000?

Buying: Stamp duty on S$352,000 · Cash and CPF needed on S$352,000 · How much can I borrow · Monthly repayment on a 75% loan · Property tax on this rent.

Selling: Net proceeds from selling on S$352,000.

Each opens with this figure filled in; change anything there.

Primary schools near 98 Lor 1 Toa Payoh

Measured from each school's land to this address's own point, the way MOE bands P1 priority. MOE measures to the building's outline, so near 1 km or 2 km check OneMap's School Query.

Within about 1 km

1 to 2 km

Past transactions

Recorded sales
DateDetailAreaPricePer area
Oct 2026
Blk 98 · 3 ROOM · 13 TO 15 · Improved · 42 years left
68 sqmS$352,000S$5,176 psm
Oct 2026
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 42 years left
68 sqmS$340,000S$5,000 psm
Jan 2026
Blk 98 · 3 ROOM · 16 TO 18 · Improved · 43 years left
68 sqmS$385,000S$5,662 psm
Oct 2025
Blk 98 · 3 ROOM · 07 TO 09 · Improved · 43 years left
68 sqmS$405,000S$5,956 psm
Aug 2025
Blk 98 · 3 ROOM · 10 TO 12 · Improved · 43 years left
68 sqmS$425,000S$6,250 psm
Aug 2025
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 43 years left
68 sqmS$380,000S$5,588 psm
Jul 2025
Blk 98 · 3 ROOM · 16 TO 18 · Improved · 44 years left
68 sqmS$416,000S$6,118 psm
May 2025
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 44 years left
68 sqmS$393,000S$5,779 psm
Jan 2025
Blk 98 · 3 ROOM · 10 TO 12 · Improved · 44 years left
68 sqmS$416,000S$6,118 psm
Dec 2024
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 44 years left
68 sqmS$380,000S$5,588 psm
Mar 2024
Blk 98 · 3 ROOM · 13 TO 15 · Improved · 45 years left
68 sqmS$380,888S$5,601 psm
Feb 2024
Blk 98 · 3 ROOM · 10 TO 12 · Improved · 45 years left
68 sqmS$390,000S$5,735 psm
Jan 2024
Blk 98 · 3 ROOM · 16 TO 18 · Improved · 45 years left
68 sqmS$365,000S$5,368 psm
Jan 2024
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 45 years left
68 sqmS$350,000S$5,147 psm
Sept 2023
Blk 98 · 3 ROOM · 07 TO 09 · Improved · 45 years left
68 sqmS$330,000S$4,853 psm
Aug 2023
Blk 98 · 3 ROOM · 04 TO 06 · Improved · 46 years left
68 sqmS$325,000S$4,779 psm
Jul 2023
Blk 98 · 3 ROOM · 07 TO 09 · Improved · 46 years left
68 sqmS$365,000S$5,368 psm
May 2023
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 46 years left
68 sqmS$335,000S$4,926 psm
Mar 2023
Blk 98 · 3 ROOM · 10 TO 12 · Improved · 46 years left
68 sqmS$370,000S$5,441 psm
Feb 2023
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 46 years left
68 sqmS$328,000S$4,824 psm
Nov 2022
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 46 years left
68 sqmS$310,000S$4,559 psm
Sept 2022
Blk 98 · 3 ROOM · 16 TO 18 · Improved · 46 years left
68 sqmS$338,000S$4,971 psm
Sept 2022
Blk 98 · 3 ROOM · 10 TO 12 · Improved · 46 years left
68 sqmS$325,000S$4,779 psm
Aug 2022
Blk 98 · 3 ROOM · 10 TO 12 · Improved · 46 years left
78 sqmS$430,000S$5,513 psm
Jun 2022
Blk 98 · 3 ROOM · 13 TO 15 · Improved · 47 years left
68 sqmS$320,000S$4,706 psm
May 2022
Blk 98 · 3 ROOM · 04 TO 06 · Improved · 47 years left
68 sqmS$302,000S$4,441 psm
Dec 2021
Blk 98 · 3 ROOM · 04 TO 06 · Improved · 47 years left
68 sqmS$300,000S$4,412 psm
Dec 2021
Blk 98 · 3 ROOM · 01 TO 03 · Improved · 47 years left
68 sqmS$280,000S$4,118 psm
See more

Showing 28 of 89.

Sale prices as filed in caveats.

Where the lease takes this

About 42 years of the 99-year lease remain. Every figure below lets the lease run down on the decay measured from HDB resales in this market, then applies the price path in that column. The paths are scenarios to choose between, not forecasts.

From nowLease leftPrices flatPrices 2% a yearThis market's record, 3.55% a yearmeasuredPrices 4% a year
5 years37 yearsS$328,268S$362,435S$390,822S$399,388

On a flat market the lease alone costs 7% over 5 years. Prices would need to rise about 1.41% a year to cancel that out.

The measured column repeats what this market did between Q1 2015 and Q3 2026, which was 3.55% a year. Past growth is not a promise of future growth.

Horizons we have not measured are left out rather than guessed at, so a short lease shows fewer rows.

Indicative estimate from comparable caveats. Not a formal valuation.