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HDB · 310186

Blk 186 Toa Payoh Ctrl

Project page · 99-year lease from 1972

Indicative value range
S$385,999 – S$430,179
Indicative mid S$408,795 · S$6,387 psm

Based on 4 sales in this street, last 12 months. Search widened 1 of 3 steps to find enough comparable sales. See the comparable sales.

No storey entered, so sales were not adjusted for height

Comparable sales

Each price per area is scaled to Q2 2026 by the published index for the quarter it sold in.

SoldWhereFloorSizePricePer sqmIndex ×Adjusted
Aug 2026Blk 17804 TO 0667 sqmS$460,000S$6,866 psm×1.000S$6,866 psm
Jul 2026Blk 17801 TO 0367 sqmS$390,000S$5,821 psm×1.000S$5,821 psm
Jan 2026Blk 18301 TO 0367 sqmS$410,000S$6,119 psm×0.997S$6,101 psm
Dec 2025Blk 17701 TO 0367 sqmS$448,888S$6,700 psm×0.996S$6,674 psm

How accurate is this estimate for Toa Payoh Ctrl?

We re-ran the estimate as of Q4 2025 on what was known at the time, then compared it with the 41 sales in Toa Payoh Ctrl since.

Median error
3.8%

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.

8.81% gross yield

S$36,000 of rent a year against the estimate above · 0.95 points below flats like it

Homes like this rent for about S$3,000 a month, the middle of 18 approvals in the last year.

In Toa Payoh, flats of this type with 40 to 49 years of lease left yield 9.76%, from 40 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
Jul 20261863 ROOMS$3,380
Jul 20261773 ROOMS$2,800
Jun 20261853 ROOMS$3,350
Jun 20261863 ROOMS$3,200
Jun 20261863 ROOMS$2,300
May 20261773 ROOMS$2,800
May 20261833 ROOMS$2,500
Mar 20261843 ROOMS$3,300

median of 18 HDB rental approvals for 3 ROOM on Toa Payoh Ctrl since 2025-10.

Buying or selling at S$408,795?

Buying: Stamp duty on S$408,795 · Cash and CPF needed on S$408,795 · How much can I borrow · Monthly repayment on a 75% loan · Property tax on this rent.

Selling: Net proceeds from selling on S$408,795.

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

Primary schools near 186 Toa Payoh Ctrl

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
Apr 2026
Blk 186 · 4 ROOM · 04 TO 06 · Improved · 45 years left
78 sqmS$528,000S$6,769 psm
Oct 2024
Blk 186 · 3 ROOM · 04 TO 06 · Improved · 47 years left
64 sqmS$448,000S$7,000 psm
Oct 2023
Blk 186 · 3 ROOM · 01 TO 03 · Improved · 48 years left
67 sqmS$400,000S$5,970 psm
May 2022
Blk 186 · 3 ROOM · 01 TO 03 · Improved · 49 years left
67 sqmS$403,000S$6,015 psm
See more

Showing 4 of 18.

Sale prices as filed in caveats.

Where the lease takes this

About 44 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, 3.64% a yearmeasuredPrices 4% a year
5 years39 yearsS$381,604S$421,322S$456,300S$464,280

On a flat market the lease alone costs 7% over 5 years. Prices would need to rise about 1.39% a year to cancel that out.

The measured column repeats what this market did between Q1 2015 and Q2 2026, which was 3.64% 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.