Latest Sale
$420,000
2026-01 · 3 Room
How Much Is a Flat at Block 20 Hougang Ave 3 Worth?
3 Room, 4 Room · Built 1978 · 51 years 05 months remaining MOP Cleared
Last updated: 13 Jun 2026
Median $/sqm
$4,294
Based on 24 txns
Total Txns
24
Since data available
5-Yr Trend
▲42.0%
vs 5 years ago
What Will You Actually Walk Away With?
Select your flat and storey. We'll calculate your estimated cash in hand, CPF refund, and all deductions — including accrued interest and resale levy.
Flat Type
Storey Band (closest to your floor)
How did you buy?
What are you thinking of buying next?
↑ Please select a storey band above to get your estimate.
Your Estimated Take-Home
▲ 42.0% 5-yr—
Cash
—
Yours to spend or invest freely
CPF Refund
—
Back to CPF OA — reusable for your next purchase
Market Value Estimate —
Est. Purchase Price
· Affects CPF accrued interest
−Deductions Breakdown —
Loan Type
Outstanding Loan (est.) —
CPF Principal (est.) —
CPF Accrued Interest (est.) —
+Selling Costs — view details →
Resale Levy
— Agent Commission (2%) —
Experienced agents often recover their fee through a higher sale price.
Conveyancing Lawyer (est.) −$500
Handles legal paperwork — choose HDB lawyer or private conveyancing firm
HDB Legal & Admin Fees
−$460 Transfer, mortgage discharge, title search, registration
Net Proceeds for Upgrade —
Market Demand
⏳ Lower transaction volume — pricing and timing matter more here. A local expert helps.
Based on recent sales data · Updates monthly
Sold at this block (6mo)
1 flats ⚡
AVG. DAYS TO OFFER
~180 days
Transaction density proxy
BUYER DEMAND
3.7 / 10
Block Specialists
Connect with agents who know this block — coming soon.
Block Specialists
Connect with agents who know this block
Specialist 1
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 2
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 3
521 transactions in Hougang Ave 3
Highest: $710,000
1 / 2
Specialist 1
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 2
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 3
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 4
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 5
521 transactions in Hougang Ave 3
Highest: $710,000
Specialist 6
521 transactions in Hougang Ave 3
Highest: $710,000
Agent profiles launching soon
Lease Clock
Sell Now 0 yrs 51 years left 99 yrs
Key threshold: 60 years
Buyer financing is already restricted
Your block has 51 years of lease left. Buyers already face CPF usage limits and lower loan quantum when purchasing. This means fewer buyers qualify, and those who do will negotiate harder. Selling sooner gives you a larger buyer pool and a stronger sale price.
A specialist agent can target the right buyers and negotiate the best possible outcome for you.
Transaction History 24 total
| Date | Floor | Type | sqm | Price | $/sqm |
|---|---|---|---|---|---|
| 2026-01 | 07 TO 09 | 3 Room | 73 | $420,000 | $5,753 |
| 2025-04 | 04 TO 06 | 4 Room | 98 | $505,000 | $5,153 |
| 2025-03 | 10 TO 12 | 3 Room | 73 | $415,000 | $5,685 |
| 2025-02 | 04 TO 06 | 3 Room | 73 | $435,000 | $5,959 |
| 2024-11 | 04 TO 06 | 3 Room | 73 | $410,000 | $5,616 |
| 2024-08 | 07 TO 09 | 4 Room | 98 | $508,888 | $5,193 |
| 2024-03 | 04 TO 06 | 3 Room | 73 | $408,000 | $5,589 |
| 2023-12 | 01 TO 03 | 3 Room | 73 | $383,000 | $5,247 |
| 2023-11 | 10 TO 12 | 4 Room | 98 | $485,000 | $4,949 |
| 2023-03 | 07 TO 09 | 3 Room | 88 | $420,000 | $4,773 |
| 2023-02 | 04 TO 06 | 3 Room | 73 | $343,000 | $4,699 |
| 2021-08 | 04 TO 06 | 4 Room | 98 | $380,000 | $3,878 |
| 2021-06 | 10 TO 12 | 3 Room | 73 | $308,888 | $4,231 |
| 2020-10 | 01 TO 03 | 3 Room | 73 | $276,000 | $3,781 |
| 2020-09 | 04 TO 06 | 3 Room | 73 | $318,000 | $4,356 |
| 2020-06 | 10 TO 12 | 3 Room | 73 | $275,000 | $3,767 |
| 2020-04 | 04 TO 06 | 3 Room | 88 | $325,000 | $3,693 |
| 2019-09 | 01 TO 03 | 3 Room | 73 | $273,000 | $3,740 |
| 2019-05 | 10 TO 12 | 3 Room | 73 | $272,000 | $3,726 |
| 2019-03 | 10 TO 12 | 4 Room | 98 | $288,000 | $2,939 |
Page 1 of 1
About Block 20 Hougang Ave 3
Flats at Block 20 Hougang Ave 3 have been selling at a median of $5,753/sqm, mainly 3-room flats at $420,000 median, with 1 transaction recorded.
The block is a 15-minute walk from Kovan MRT Station (1223m) and is near Heartland Mall Kovan mall (1197m, 15 min walk). It is also near Holy Innocents' Primary School (1229m, 15 min walk) and Xinghua Primary School (1223m, 15 min walk).
All data is sourced from data.gov.sg and updated daily.
What's Near Block 20 Hougang Ave 3?
Facilities and transport within a 15-minute walk. Walking times are route-based.
MRT / LRT
KOVAN MRT STATION 1223m · 15 min
Nearby Schools
HOLY INNOCENTS' PRIMARY SCHOOL 1229m · 15 min
XINGHUA PRIMARY SCHOOL 1223m · 15 min
Hawker Centres
Hougang Street 21 Blk 209 (Kovan Hougang Market and Food Centre) 1249m · 15 min
Shopping Malls
Heartland Mall Kovan 1197m · 15 min
Parks
REALTY PARK 875m · 11 min
JLN NAUNG PG 1036m · 13 min
Community Facilities
Hougang CC 502m · 7 min
Other Blocks on Hougang Ave 3
Frequently Asked Questions
How much is a flat at Block 20 Hougang Ave 3?
Based on 24 recorded transactions, the median resale price ranges from $321,500 (3 Room) to $432,500 (4 Room). The most recent sale was $420,000 in 2026-01.
Median by flat type (last 24 months)
Flat Type Most Recent Median
3 Room $417,500
4 Room $506,944
What is my flat worth at Block 20?
The overall median resale price at Block 20 Hougang Ave 3 is $462,222. Prices have risen 42.0% over the past 5 years.
How much cash will I actually receive when I sell my flat at Block 20?
Your gross sale proceeds are what the buyer pays. From that, three things are deducted: your outstanding loan, your CPF principal (all CPF savings used for the flat, returned to your CPF OA), and CPF accrued interest (the interest CPF calculates on those savings at 2.5% p.a., compounded annually). What remains after these deductions is your cash in hand. Use the What's Your Flat Worth? calculator above to estimate your actual cash take-home based on Block 20 prices.
What is CPF accrued interest and why does it reduce my sale proceeds?
When you buy a flat using CPF, those funds are considered a loan from your CPF OA to yourself. When you sell, CPF Board requires you to return the principal plus the interest those funds would have earned had they stayed in your OA — currently 2.5% per annum, compounded. This is not a penalty or a fee paid to anyone; the money goes back into your CPF OA. However, it does reduce your cash proceeds — and the longer you have owned the flat, the larger the accrued amount. Use the CPF Accrued Interest Calculator above to estimate your deduction before you decide to sell.
How active is the resale market at Block 20?
Block 20 has recorded 24 resale transactions — roughly 1.0 sales per month over the past 24 months. The latest transaction closed in 2026-01.
What flat types are available at Block 20?
Block 20 Hougang Ave 3 has 3 Room, 4 Room units. Median prices range from $321,500 to $432,500.
How much can I unlock to upgrade if I sell my HDB at Block 20?
Selling to upgrade means planning both timelines and funds. Your proceeds split into cash in hand (for your next downpayment and transition costs) and CPF refund (returned to CPF OA). Use the What's Your Flat Worth? calculator above to estimate the equity you can deploy for your next home.
What is the remaining lease for Block 20?
Block 20 was built in 1978 with a 99-year lease. It has approximately 51 years 05 months remaining.
Does Block 20's remaining lease affect its resale value?
At 51 years remaining, CPF eligibility is increasingly age-dependent. Many buyers in their 30s and 40s face CPF pro-ration, reducing their effective purchasing power. Shorter bank loan tenures also raise monthly repayments for the same loan amount. Both effects narrow your buyer pool and tend to put downward pressure on price — selling sooner is worth considering.
When can I sell my flat at Block 20 Hougang Ave 3?
Flats at Block 20 Hougang Ave 3 have cleared their 5-year Minimum Occupation Period (MOP) and are eligible for resale on the open market. You can list your flat now.
How long does it take to sell an HDB flat?
The standard HDB resale process takes approximately 8–12 weeks from granting the Option to Purchase (OTP) to the completion appointment. This includes HDB resale application, HDB valuation, CPF usage approval, and final appointment scheduling.
Can I sell my HDB flat without an agent?
Yes — HDB's resale portal allows you to handle the transaction yourself. However, for owners upgrading to their next home, an experienced agent helps align pricing, buyer negotiation, and completion timing so your next purchase is less exposed to delays. The typical 1–2% commission is often recovered through a stronger sale outcome.
What are the costs of selling an HDB flat?
Typical costs for a seller:
Agent commission ~1–2% of sale price
Legal / conveyancing ~S$500 (HDB) or ~S$2,000 (private)
HDB admin fee S$80
Resale levy S$15,000–S$55,000 (if applicable)
Seller stamp duty None (after MOP)
Total (est.) on $417,500 excl. levy $8,930 to $10,430