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District 21 · OCR · Outside Central Region

District 21 — Upper Bukit Timah, Clementi Park, Ulu Pandan

Officially OCR, priced like something closer in. $2,270 psf across 741 transactions — higher than several RCR districts, on strong volume.

Upper Bukit TimahClementi ParkUlu PandanBeauty WorldHolland fringe

Figures pulled 23 July 2026 from URA caveat data and HDB resale registrations — completed transactions, not portal asking prices.

Private condo

$2,240 psf

median $2,188,888

909 caveats

HDB 4-room · CLEMENTI

$875,000

233 resales

Condo rent

$4,400 / month

756 contracts

MRT

Downtown Line

Why people move here

District 21 is officially Outside Central Region and prices nothing like it. Green, hilly, with the Downtown Line running through it and a school belt that keeps family demand steady regardless of the market. The OCR label undersells the location, and the transaction data says so plainly.

What moves price here

  1. Among the highest psf of any OCR district. $2,240 psf across 909 caveats — second only to Bedok, and above five of the eight Rest of Central Region districts. If the OCR classification shaped your expectations, reset them.
  2. The school belt continues here. Pei Hwa, Methodist Girls’ and Hwa Chong sustain demand that does not track the broader cycle.
  3. New launches set the top of the range. The Sen ($2,338 psf, 147 deals), Nava Grove ($2,631, 102) and Pinetree Hill ($2,584, 79) are all new sales, together about a third of district volume.
  4. The spread is the widest thing about this district. Pine Grove transacted at $1,031 psf against 8@BT at $2,681 — a 2.6× range. Older leasehold stock here trades at less than half the price of a new launch a short drive away.

The upgrade, in actual numbers

There is no HDB market inside District 21 itself; the nearest comparable is Clementi’s 4-room median of $875,000. Against a district median private home of $2,188,888, that is a $1.31m gap — one of the larger jumps on this site.

That size is the honest headline. This is not a district you drift into from a flat; it is one you plan for, usually with a strong existing position or a second income. The 66 projects transacting here do give you range, but the entry point is high wherever you start.

Who District 21 suits

If you’re buying private: families who want greenery and schools with Downtown Line access, and buyers who understand they are paying RCR-like prices for an OCR label — including on the way out, when they sell.

If you’re upgrading from HDB: possible, but be realistic about the gap. The older leasehold stock around $1,000–1,300 psf is the realistic entry point, not the launches.

If you’re value-hunting: the 2.6× internal spread is the opportunity. Old stock in a strong catchment is a different proposition from new stock in the same catchment.

What to check before you commit

  • Distance to Beauty World or King Albert Park station on foot, not by map.
  • Flood history on the low-lying stretches.
  • Remaining lease on the older projects — that is what the bottom of the price range is made of.
  • Whether the OCR label is skewing your loan expectations, since the prices here are not OCR.

Can you afford it?

What income does District 21 actually need?

Banks don't test you at the rate they advertise. They test you at the MAS floor of 4%. Here's the gross household income needed to clear that test on a median-priced home here.

Median homePriceLoan at 75%Monthly at 4%Income needed
HDB 4-room resale · CLEMENTIMSR 30% cap$875,000$656,250$3,464$11,546
Private condoTDSR 55% cap$2,188,888$1,641,666$8,665$15,755

What this does not include

This is the arithmetic on a median home, nothing more. Your real ceiling moves with existing debt (a car loan bites hard), your CPF balance, your age — which caps loan tenure — citizenship, and how much cash you hold for the portion CPF can't cover. It also assumes a 25-year tenure and no other borrowings. Two households on identical incomes routinely get very different answers.

Run my actual numbers — free

Assumes 75% loan-to-value on a first housing loan, 25-year tenure, and the MAS medium-term interest rate floor of 4% used for TDSR/MSR computation. Income figures are gross monthly household income with no other debt. Frameworks per MAS; property medians from URA caveats and HDB resale registrations.

The private market

Which condos actually trade here.

The district median is an average of very different buildings. These are the projects with the most completed transactions in the last 12 months — the ones you'll actually be comparing against.

ProjectDealsMedian psfTenure
The SenNew launch147$2,33899-yr
Nava GroveNew launch102$2,63199-yr
Pinetree HillNew launch79$2,58499-yr
Daintree Residence38$2,02699-yr
Ki Residences at Brookvale37$2,22699-yr
8@BtNew launch30$2,68199-yr

One district, 2.6× the price. Pine Grove trades at $1,031 psf (16 deals) while 8@Bt trades at $2,681 psf (30 deals) — both in District 21. Age, tenure, facilities and exact location drive that gap. It's why a district median is a starting point, never a valuation.

66 projects transacted in District 21 over the 12 months to July 2026, across 909 caveats. Ranked by transaction volume. Median psf per project from URA caveat data — completed transactions, not asking prices. “New launch” marks projects where most deals were new sales from the developer. The high/low comparison above only uses projects with at least 5 transactions, so a one-off sale never sets the range.

Let's run your numbers before you commit.

Tell me where you are — thinking about it, actively looking, or already got an offer on the table. I'll come back with the actual figures for your situation. Free, no obligation, no pressure.

I reply within one business day. · Eugene Tan · CEA R074026J · PropNex Realty