How Much Does a BTO Renovation Cost in 2025?

June 26, 2025

Renovating a brand-new BTO flat is an exciting milestone, but it’s also a significant financial commitment. In 2025, renovation costs have continued to rise, driven by inflation, higher material costs, and increased demand for skilled labour.

Here’s a brief breakdown of what you can expect to spend, and how you can plan your budget wisely.

Average Renovation Costs by Flat Type

| Flat Type | Typical Renovation Cost (2025)

|-----------|-------------------------------------

| 3-room    | $34,200 – $52,100            

| 4-room    | $52,500 – $66,000            

| 5-room    | $62,000 – $70,000            

These figures cover essential works such as flooring, carpentry, electrical wiring, painting, and basic fittings. The final cost depends on several factors: the size of your flat, the complexity of your design, the quality of materials, and whether you engage a contractor or an interior designer.

So what’s really costly?

l Built-in Carpentry: Custom wardrobes and kitchen cabinets are often the most expensive items.

l Premium Materials: Choosing marble countertops or designer tiles can quickly inflate your budget.

l Smart Home Features: Integrated lighting, automated blinds, and advanced appliances are popular but come at a premium.

l Labour and Project Management: Hiring a reputable interior designer for a full-suite service will cost more than managing contractors yourself.

Financing Your Renovation

Most homeowners use a mix of savings and renovation loans (up to $50,000). Renovation loans typically offer flexible repayment terms, but remember to factor in interest rates and your overall debt servicing ratio.

Money-Saving Tip: Consider HDB’s Optional Component Scheme (OCS) to get basic fittings like doors, tiles, and sanitary wares at a lower cost. This can help you save on initial renovation expenses, especially if you’re happy with standard finishes.

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