As costs for home renovations continue to riseāprojected to increase in 2025, 4 Room BTO homeowners need to be well informed about what they can realistically achieve within their renovation budgets.Ā
In this article, weāll break down renovation costs and provide insights on what you can expect for various budget ranges.
We will help you make informed decisions and create your dream home design without breaking the bank.
For a budget of around $20,000 to $30,000, opting into HDBās Optional Component Scheme (OCS) can help homeowners manage their finances better.Ā
Since the costs of these components are included in the overall purchase price of the flat, they can be financed through HDB loans or CPF savings.
What to expect
Under the OCS, homeowners can select components such as:
Flooring: Pre-installed flooring options include vinyl strips for bedrooms and polished porcelain tiles for living areas.

Internal Doors: The scheme typically covers the installation of internal doors, ensuring that your home is ready for immediate use.

Essential Bathroom Fixtures: Sinks and shower sets are included.Ā

This scheme is particularly advantageous for first-time HDB BTO buyers or those on a tighter budget who wish to avoid extensive renovations after moving in.
You can achieve a basic full renovation with a budget of $30,000 to $40,000.Ā
What to expect
Full Kitchen & Bathroom Renovation: Covers lighting, fixtures, and fittings.

Flooring: Typically pre-installed vinyl flooring or basic tiles.

Cabinetry: Simple cabinetry works in the living room, kitchen, and bedroom.

This tier allows for a basic upgrade in both aesthetics and functionality.
You can expect more comprehensive renovations that transform your living space in this range.
What You Can Expect:
Custom Carpentry: Comprehensive built-in wardrobes and storage solutions.

Open Concept Layout: Minor hacking to create an open space feel.

Luxury Finishes: High-end materials for flooring and countertops.

This tier is perfect for homeowners looking to create a modern home design with added comfort.
For those willing to invest over $80,000, you will have more creative freedom and access to high-end products or renovation services.
What You Can Expect:
Complete Redesign: Comprehensive interior design services for a cohesive look.

High-End Appliances: Premium kitchen appliances and fixtures.

Extensive Structural Changes: Major hacking and rebuilding for new home design layouts.

Luxury Amenities: Spa-like bathrooms or home automation systems.

This tier caters to homeowners who desire a luxurious living experience with premium finishes.
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When planning your renovation for a 4 Room BTO, aligning your budget with your expectations is essential.Ā
By understanding these costs and what you can achieve at each level, you can make informed decisions that best suit your needs and lifestyle.