Is S$40,000 enough for a 5-room BTO renovation in Singapore?

It can be, if hacking is minimal, carpentry is controlled, and you prioritise essentials over built-ins. Costs typically rise as you add full-height wardrobes across multiple rooms, more wet works, and feature elements.

What usually costs the most in a 5-room BTO renovation?

Carpentry is often the biggest cost driver, followed by wet works (kitchen and bathrooms), then electrical and lighting planning.

What is one HDB rule that can affect my renovation plan?

For newly completed blocks, HDB states that approved renovations must be completed within 3 months from the date of the permit, so plan scope and lead times carefully.

Should I ask if GST is included in the renovation quote?

Yes. Confirm whether the quotation is inclusive or exclusive of GST and compare all quotes on the same basis.

Does HDB’s Optional Component Scheme (OCS) help reduce renovation costs?

OCS can reduce the need for hacking and shorten the move-in timeline if you use the provided sanitary fittings, internal doors, or floor finishes. Whether it saves money depends on what you would otherwise replace.