Getting the keys to your BTO flat is one of the most exciting milestones for Singaporean homeowners. But before you move in, you’ll need to transform the empty concrete shell into a functional and comfortable home.
In 2025, renovation costs for HDB BTO flats have risen due to higher material costs, labour shortages, and the demand for customised carpentry. Many new homeowners face the same questions:
- How much does it cost to renovate a 3-room, 4-room, or 5-room BTO?
- What renovation works are essential, and which are optional?
- Should I take an HDB renovation loan or alternative financing?
- How can I save money without compromising on quality?
This Ultimate Guide covers everything from average renovation costs, timelines, breakdown of works, popular styles, financing options, and FAQs, with expert tips from HDBGROUPRENO.SG PTE. LTD, Singapore’s trusted Group Renovation Contractor.
Average HDB BTO Renovation Costs in 2025
Renovation costs vary depending on flat size, material selection, and design preferences. Here’s a breakdown of average renovation cost ranges in 2025:
| BTO Flat Type | Basic (Essential works) | Mid-range (Most common) | Premium (Luxury finish) |
|---|---|---|---|
| 2-Room (≈45 sqm) | $18,000 – $25,000 | $25,000 – $35,000 | $35,000 – $50,000 |
| 3-Room (≈65 sqm) | $25,000 – $35,000 | $35,000 – $50,000 | $50,000 – $70,000 |
| 4-Room (≈90 sqm) | $30,000 – $45,000 | $45,000 – $65,000 | $65,000 – $90,000 |
| 5-Room (≈110 sqm) | $40,000 – $55,000 | $55,000 – $80,000 | $80,000 – $120,000 |
| Executive Flat (≈130 sqm) | $50,000 – $70,000 | $70,000 – $95,000 | $95,000 – $150,000 |
💡 Pro tip: By joining a Group Renovation Project with HDBGROUPRENO.SG, homeowners can save 10–20% compared to renovating individually.
What Affects BTO Renovation Costs?
Several key factors influence the final cost of your BTO renovation:
- Flat Type & Size – Larger flats require more flooring, carpentry, and electrical work.
- Design Style – A minimalist vinyl-flooring home costs less than a luxury marble-tiled unit.
- Material Selection – Quartz countertops cost more than laminate, while E0 eco-boards cost more than MDF.
- Scope of Works – A simple paint job is cheaper than full hacking and retiling.
- Custom Carpentry – Built-in wardrobes, shoe cabinets, and kitchen systems significantly raise costs.
- Smart Home Upgrades – Voice-controlled lighting and IoT systems add 10–15% to budgets.
Breakdown of Renovation Works
Carpentry Works
- Kitchen cabinets with solid surface or quartz countertops
- Wardrobes (master bedroom & common bedrooms)
- TV console, study desks, and shelving
- Storage beds & space-saving systems
Masonry & Flooring
- Hacking of walls for open layouts
- Flooring options: tiles, vinyl, parquet
- Bathroom tiling & waterproofing
Electrical & Lighting
- Extra power sockets, concealed wiring
- Downlights, track lights, cove lighting
- Smart lighting & ceiling fans
Plumbing & Bathroom Works
- Shower screens, toilet fixtures, vanities
- Instant or storage water heater installation
Painting & Finishing
- Nippon/Dulux odourless paints
- Feature walls, fluted panels, wallpapers
HDB Renovation Timeline in 2025
The average renovation timeline is 8–12 weeks, depending on complexity.
- Week 1–2: Site measurement, 3D design, and HDB permit application
- Week 3–4: Hacking, masonry, and plumbing works
- Week 5–7: Carpentry fabrication (wardrobes, kitchen cabinets)
- Week 8–9: Electrical wiring, painting, and lighting installation
- Week 10–12: Carpentry installation, touch-up, and handover
🚀 With HDBGROUPRENO.SG Group Projects, multiple units are processed in bulk, reducing carpentry production time and saving costs.
Popular Renovation Styles in 2025
- Scandinavian Minimalist – Bright, functional, light wood tones
- Japandi Style – Japanese zen + Scandinavian warmth
- Industrial Modern – Cement screed, black frames, raw finishes
- Luxury Modern – Marble tiles, gold accents, feature lighting
- Smart Homes – AI-controlled lighting, aircon, and appliances
Financing Your Renovation
HDB Renovation Loan
- Up to S$30,000 or 6x monthly income
- Max repayment: 5 years
- Interest: ~3.5–4.5%
Personal Loan
- Higher borrowing limits
- Flexible terms
- Slightly higher interest (4.5–6.5%)
Group Renovation Package (HDBGROUPRENO.SG)
- Lower upfront deposit
- Bulk carpentry savings
- Transparent milestone payments
Renovation Tips for First-Time BTO Owners
- Plan early: Engage contractors 3–6 months before key collection
- Prioritise essentials: Kitchen, bathrooms, wardrobes before décor
- Avoid over-renovation: Stick to resale value considerations
- Allocate buffer: Budget 10–15% extra for unexpected costs
- Check HDB guidelines: Ensure hacking and window works comply
Case Study: 4-Room BTO Renovation
Flat type: 4-room (90 sqm)
Budget: $48,000
Works included:
- 30ft kitchen cabinets with quartz top
- 3 wardrobes with casement doors
- Vinyl flooring throughout
- Painting & electrical upgrades
- Bathroom vanity cabinets
👉 Completed in 10 weeks via HDBGROUPRENO.SG Group Reno Project with 15% cost savings compared to individual quotes.
Frequently Asked Questions (FAQ)
Q1: How much should I budget for a 4-room BTO in 2025?
A: Around S$45,000–65,000, depending on style & materials.
Q2: Can HDB renovation loan cover all works?
A: Usually not. It caps at S$30,000. Many owners combine it with savings or personal loans.
Q3: Why are group renovations cheaper?
A: Shared logistics, bulk material purchases, and streamlined carpentry reduce costs.
Q4: What is the most expensive part of BTO renovation?
A: Carpentry works (kitchen, wardrobes, feature walls).
Q5: Can I preview my renovation before committing?
A: Yes. HDBGROUPRENO.SG offers Free 3D Virtual Tours for every group project.
Why Choose HDBGROUPRENO.SG PTE. LTD
✅ Group-Buy Savings: Save 10–20% compared to solo renovation
✅ Custom Carpentry: Kitchen cabinets, wardrobes, space-saving beds
✅ Free 3D Virtual Tour: Visualise your dream home in advance
✅ 30+ Years Expertise: Direct contractor with proven track record
✅ Transparent Process: Clear milestones, no hidden charges
Your BTO flat deserves a smart, affordable, and stylish renovation.
👉 View Our Ongoing Group Reno Projects
👉 Get a Free 3D Virtual Tour + Quotation
Let HDBGROUPRENO.SG PTE. LTD transform your flat into the perfect home – at the best value in Singapore.
