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🇸🇬 Singapore

Singapore

Cost of living, housing, groceries, transportation and more.

Cost data reviewed 23 Sep 2026FX snapshot 25 Sep 2026 UTC
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Rent · 1BR non-prime
S$2,900
Monthly planning midpoint
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Groceries
S$480
Monthly planning midpoint
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Public transit
S$122
Monthly planning midpoint
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Eating out
S$260
Monthly planning midpoint

What the numbers suggest

The model midpoint for one person in Singapore is S$4,220. At the modeled component midpoint, rent represents roughly 69% of the six-category basket, food about 18%, and public transit about 3%.

This page shows a planning range rather than one “correct” household cost. Actual spending changes with neighbourhood, lease terms, consumption and lifestyle.

What is included

The headline includes rent, utilities/connectivity, groceries, eating out, public transit and household/personal essentials. Healthcare, childcare, car ownership, taxes, savings and discretionary lifestyle spending are separate.

Core monthly cost breakdown

2 of six core planning components for Singapore have captured numeric calibration evidence: 2 direct component observations and 0 broad calibrations. Broad calibration can come from household or per-person spending evidence and is not the same as a direct category measurement. The displayed midpoint remains a normalized planning estimate, not a quote or guaranteed household spend.

Rent · 1BR non-primeSource-linked modelS$2,900
Utilities + connectivityDirect component evidenceS$250
GroceriesSource-linked modelS$480
Eating outSource-linked modelS$260
Public transitDirect component evidenceS$122
Household + personalSource-linked modelS$180
Core evidence coverage2 direct · 0 broad · 4 model

Direct component evidence measures the category itself or a closely matched subcomponent. Broad calibration evidence uses a wider household/per-person benchmark. Source-linked model anchors have identified sources but no captured numeric observation yet.

  • Rent · 1BR non-prime: model anchor — Singapore Government Data / HDB · 2026
  • Utilities + connectivity: direct component evidence — StarHub · reviewed 2026-09-24 — example 5Gbps: 29.55 SGD/month
  • Groceries: model anchor — Singapore Department of Statistics · 2023
  • Eating out: model anchor — Singapore Department of Statistics · 2023
  • Public transit: direct component evidence — Public Transport Council Singapore · 2026 — example Adult Monthly Travel Pass: 122 SGD/month
  • Household + personal: model anchor — Singapore Department of Statistics · 2023
Expanded evidence layer

Detailed source-backed profile

25 of 52 fields are public and source-backed for Singapore. Only verified fields are shown; unresolved work remains in the audit ledger.

Housing & ownership 2
HDB housing-loan reference rateHDB concessionary housing-loan interest rate for Jul–Sep 2026.
2.6 %
Rental move-in cost rulesCEA current tenancy-template guidance.
Singapore tenancy terms, including security-deposit amount, are negotiated between the parties; CEA templates include a deposit clause but do not impose one universal fixed deposit amount.
Utilities & connectivity 2
Residential broadbandStarHub current 24-month 5Gbps and 10Gbps new-sign-up plan references.
S$29.55–S$38.90 /month
Mid-tier mobile planStarHub current SIM-only 5G Lite, Unlimited+ Core and Unlimited+ Plus references.
S$25.00–S$48.00 /month
Transport 2
Single adult farePTC adult card fares for basic bus/train services range from S$1.28 to S$2.57 by distance.
S$1.28–S$2.57 /ride
Taxi flag-down fareLTA standard-taxi flag-down fare range.
S$4.40–S$5.20 flag-down
Health 1
Public healthcare baseline/eligibilityCurrent MOH public specialist outpatient subsidy framework.
Singapore’s public system uses targeted subsidies: eligible Singapore Citizens can receive up to 70% subsidies for Specialist Outpatient Clinic care; Permanent Residents can receive 25%, subject to referral and means-testing rules.
Lifestyle 3
Clothing spending proxySingapore Household Expenditure Survey 2023 household clothing expenditure benchmark.
S$92.00 /household/month
Footwear spending proxySingapore Household Expenditure Survey 2023 household footwear expenditure benchmark.
S$27.00 /household/month
Gym membershipMyActiveGYM adult monthly memberships: S$15 off-peak, S$30 peak.
S$15.00–S$30.00 /month
Family 2
Supported-centre childcare fee capECDA-supported-centre full-day childcare monthly fee cap for Singapore Citizen children, before GST.
S$850 /month
Private tuition/education spending proxySingapore Household Expenditure Survey 2023 private tuition/other education household spending reference.
S$127 /household/month
Earnings & tax 4
Official median gross employment-income benchmarkMOM 2025 median gross monthly income from employment for full-time employed residents, including employer/platform CPF contributions.
S$5,775 /month gross
Core cost divided by earningsCLC six-component monthly core midpoint of SGD 4,220 divided by the official gross monthly earnings benchmark of SGD 5,775.
73.07 % of gross
Income remaining after core spendOfficial gross monthly earnings benchmark less the existing six-component CLC core midpoint of SGD 4,220.
S$1,555 /month before tax
Tax structureIRAS current resident individual rate table.
Singapore tax-resident individual income tax is progressive, with current rates from 0% to 24%; actual tax depends on chargeable income, reliefs, deductions and residency.
City context 3
Residential wired-broadband contextOfficial residential wired-broadband household-penetration reference, used as an adoption/context proxy rather than guaranteed service availability.
89.3 % household penetration
Climate normalsMeteorological Service Singapore long-term climate normals.
Singapore 1991–2020 climate normals: mean annual rainfall 2,113.3 mm and about 171 rain days per year; rainfall is plentiful year-round with monsoon seasonality.
Healthcare access contextMOH current public outpatient subsidy framework.
Public outpatient care is subsidised rather than universally free: SOC subsidies can reach 70% for eligible Singapore Citizens and 25% for Permanent Residents, with means-testing and referral rules.
Detailed evidence sources

Cities with a similar core-budget scale

Using the site's bundled 2026-09-25 FX snapshot only to put model midpoints on a common scale, these covered cities sit closest to Singapore's six-category midpoint. This is a cost-model similarity, not a claim that the cities have the same housing market, wages or lifestyle.

Source and dates

Data model CLC-v5.9-global-detail-1 · site V7.1 · evidence granularity reviewed 2026-09-29 · core evidence mix 2 direct / 0 broad / 4 model. Missing fields are omitted; modeled anchors are labeled and may differ by neighbourhood and lifestyle.