Singapore Cost of Living Guide for Expatriate




Singapore Cost of Living Guide for Expatriates

Singapore Cost of Living Guide for Expatriates

Introduction

Understanding the cost of living in Singapore is essential for expatriates planning their relocation. While Singapore consistently ranks among the world’s most expensive cities, careful planning and budgeting can help you manage your finances effectively while enjoying all this dynamic city-state has to offer.

This comprehensive guide provides realistic cost estimates across various expense categories, helping you prepare financially for your move to Singapore. We’ve included both budget-friendly options and premium alternatives to accommodate different lifestyle preferences and financial situations.

Housing Costs

Housing typically represents the largest expense for expatriates in Singapore.

Rental Prices by Area and Property Type

Condominiums (Monthly Rent)

Area Studio/1-Bedroom 2-Bedroom 3-Bedroom
Central (Districts 1, 2, 6, 9, 10) S$3,500-5,500 S$5,000-8,000 S$7,000-12,000+
City Fringe (Districts 3, 4, 5, 7, 8, 11, 12, 13, 14, 15) S$2,500-4,000 S$3,500-5,500 S$4,500-7,000
Outside Central Region (Districts 16-28) S$1,800-3,000 S$2,500-4,000 S$3,500-5,500

HDB Flats (Public Housing – Monthly Rent)

Type Monthly Rent
3-Room (2-Bedroom) S$1,800-2,800
4-Room (3-Bedroom) S$2,200-3,500
5-Room (3-Bedroom + Study) S$2,500-4,000

Co-Living Spaces (Monthly Rent)

Type Monthly Rent
Standard Room (Shared Facilities) S$1,200-2,000
Premium Room (Ensuite) S$1,800-3,000
Studio Unit S$2,500-4,000

Additional Housing Costs

Expense Typical Cost
Security Deposit 1-2 months’ rent
Agent Fee (if applicable) 1 month’s rent
Utilities (for 2-bedroom condo) S$200-300/month
Internet S$40-100/month
Cable TV/Streaming S$20-80/month
Condominium Facilities Fee Usually included in rent

Cost-Saving Housing Tips

  1. Consider co-living options like d’Habitat, which include utilities and internet in the monthly fee
  2. Look at properties near MRT stations but not in prime districts
  3. Explore HDB rentals for more affordable options
  4. Negotiate longer lease terms for better rates
  5. Share accommodations with roommates to split costs

Transportation

Singapore’s excellent public transportation system offers affordable mobility options.

Public Transportation

Type Cost
MRT/Bus Fare (with EZ-Link card) S$0.92-2.08 per trip
Monthly Concession Pass (Adult) S$120 (unlimited bus and train rides)
EZ-Link Card Initial Purchase S$12 (includes S$7 stored value)

Private Transportation

Type Cost
Taxi Flag-Down Rate S$3.20-3.90
Taxi Per Kilometer S$0.22-0.33
Grab/Gojek Ride (5km) S$10-15 (varies with demand)
Car Purchase (Toyota Corolla Altis) S$110,000-130,000 (including COE)
Car Rental (Monthly) S$1,500-2,500
Car Rental (Daily) S$80-150
Car Insurance (Annual) S$800-1,500
Parking (Monthly) S$100-300 (residential), S$300-600 (CBD)
Fuel (Per Liter) S$2.30-2.80

Cost-Saving Transportation Tips

  1. Use public transportation for most journeys
  2. Consider monthly concession passes if you commute daily
  3. Use ride-sharing apps during off-peak hours
  4. Try car-sharing services like BlueSG or GetGo for occasional car use
  5. Cycle for short distances using bike-sharing services

Food and Dining

Singapore is a food paradise with options for every budget.

Everyday Dining

Type Cost per Meal
Hawker Center/Food Court S$3.50-6.00
Fast Food S$7-12
Mid-Range Restaurant S$15-30
High-End Restaurant S$50-150+
Coffee Shop Breakfast S$3-5
Café Brunch S$15-25

Grocery Costs (Weekly for 1-2 People)

Type Weekly Cost
Budget Grocery Shopping S$60-100
Mid-Range Grocery Shopping S$100-200
Premium/Organic Grocery Shopping S$200-300+

Sample Grocery Item Prices

Item Cost
Milk (1 liter) S$3.00-4.50
Bread (Standard Loaf) S$2.00-4.00
Rice (1kg) S$2.50-5.00
Chicken (1kg) S$7.00-12.00
Eggs (12) S$2.80-4.50
Apples (1kg) S$4.00-7.00
Local Vegetables (1kg) S$2.00-4.00
Imported Vegetables (1kg) S$4.00-8.00
Local Beer (330ml, 6-pack) S$15.00-20.00
Wine (Mid-range Bottle) S$25.00-45.00

Cost-Saving Food Tips

  1. Eat at hawker centers for affordable, delicious local food
  2. Cook at home for most meals
  3. Shop at wet markets for fresh produce at lower prices
  4. Look for lunch specials at restaurants
  5. Use food delivery apps with promotional codes

Healthcare

Singapore offers world-class healthcare, but costs can be significant without insurance.

Medical Costs

Service Cost Without Insurance
GP Consultation S$20-50 (polyclinic), S$50-120 (private)
Specialist Consultation S$125-300+
Emergency Room Visit S$120-200 (public), S$200-400+ (private)
Hospital Stay (Per Day) S$350-550 (public, ward B1), S$600-1,200+ (private)
Basic Health Screening S$80-500
Dental Cleaning S$75-200
Filling S$80-250

Health Insurance

Type Annual Premium Range
Basic Local Plan S$1,000-2,000
Comprehensive Local Plan S$2,000-4,000
International Health Insurance S$3,000-10,000+

Cost-Saving Healthcare Tips

  1. Ensure comprehensive health insurance coverage
  2. Use polyclinics for routine care (more affordable than private GPs)
  3. Ask for generic medications when possible
  4. Compare prices between healthcare providers
  5. Take advantage of employer health benefits

Education

For expatriates with children, education costs can be substantial.

International Schools

Type Annual Fees
International School (Primary) S$15,000-35,000
International School (Secondary) S$20,000-40,000
Application Fee S$200-500
Registration Fee S$1,500-3,500
Development Levy S$500-2,500

Local Schools

Type Annual Fees for Foreigners
Primary School S$6,000-9,000
Secondary School S$9,000-13,000
Junior College S$12,000-16,000

Preschool and Childcare

Type Monthly Fees
Local Preschool S$300-1,500
International Preschool S$1,500-3,000+
Full-Day Childcare S$1,000-2,500

Cost-Saving Education Tips

  1. Consider local schools for significant savings
  2. Apply for the AEIS (Admissions Exercise for International Students) for local school placement
  3. Research scholarship opportunities at international schools
  4. Look into schools with lower fees outside central areas
  5. Plan ahead for education costs in your overall budget

Domestic Help

Many expatriate families employ domestic helpers.

Foreign Domestic Worker Costs

Expense Cost
Monthly Salary S$600-1,000+
Levy S$300-450 per month
Insurance (Annual) S$250-400
Placement Fee S$1,000-2,000
Medical Examination (Bi-annual) S$80-120
Work Permit Application/Renewal S$30-60

Part-Time Help

Service Cost
Cleaning Service (3-4 hours) S$80-150
Babysitting (Hourly) S$15-25
Laundry Service (Per kg) S$4-8

Telecommunications

Staying connected is affordable in Singapore.

Mobile Plans

Type Monthly Cost
Budget SIM-Only Plan (20-30GB data) S$10-20
Mid-Range Plan (50-100GB data) S$20-40
Premium Plan (Unlimited data) S$40-80

Home Internet

Type Monthly Cost
Fiber Broadband (1Gbps) S$40-60
Fiber Broadband (2Gbps) S$60-100
Fiber Broadband with TV Bundle S$80-150

Entertainment and Leisure

Singapore offers diverse entertainment options.

Recreation

Activity Cost
Movie Ticket S$10-15 (weekday), S$13-18 (weekend)
Gym Membership S$80-250 per month
Swimming Pool Entry (Public) S$1-2
Yoga Class S$25-35 per session
Tennis Court Rental S$3-10 per hour (public), S$20-40 (private)

Attractions

Attraction Cost per Adult
Gardens by the Bay (Conservatories) S$28
Singapore Zoo S$41
Universal Studios Singapore S$81
ArtScience Museum S$18-21
Singapore Flyer S$33

Nightlife

Activity Cost
Beer at Hawker Center S$6-8
Beer at Bar/Club S$12-18
Cocktail at Bar S$18-28
Wine (Glass) at Restaurant S$12-20
Club Entry S$20-40 (includes one drink)

Cost-Saving Entertainment Tips

  1. Look for free public events and attractions
  2. Use entertainment apps for discounts and promotions
  3. Visit museums on free admission days
  4. Explore Singapore’s parks and nature reserves
  5. Take advantage of happy hour specials

Clothing and Personal Care

Item Cost
Business Shirt S$40-100
Business Suit S$300-1,000+
Casual Outfit S$50-150
Haircut S$15-40 (heartland), S$40-80+ (central)
Manicure S$20-60
Massage (1 hour) S$60-120

Sample Monthly Budget

Budget Lifestyle (Single Person)

Expense Category Monthly Cost (S$)
Accommodation (Room in co-living space) 1,500
Utilities & Internet Included
Food (Mix of hawker and home cooking) 800
Transportation (Public) 150
Mobile Phone 20
Healthcare Insurance 150
Entertainment & Leisure 300
Personal Care 100
Miscellaneous 200
Total S$3,220

Moderate Lifestyle (Single Person)

Expense Category Monthly Cost (S$)
Accommodation (1-bedroom condo, city fringe) 3,000
Utilities & Internet 250
Food (Mix of restaurants and home cooking) 1,200
Transportation (Mix of public and Grab) 300
Mobile Phone 40
Healthcare Insurance 250
Entertainment & Leisure 600
Personal Care 200
Miscellaneous 300
Total S$6,140

Family Lifestyle (Couple with One Child)

Expense Category Monthly Cost (S$)
Accommodation (3-bedroom condo, city fringe) 5,000
Utilities & Internet 350
Food 2,000
Transportation 500
Mobile Phone & Internet 150
Healthcare Insurance 600
Education (International School) 2,500
Domestic Helper 1,000
Entertainment & Leisure 800
Personal Care 400
Miscellaneous 500
Total S$13,800

Tax Considerations

Singapore’s personal income tax rates are relatively low compared to many Western countries.

Resident Tax Rates (After Deductions)

Chargeable Income (S$) Tax Rate (%)
First 20,000 0
Next 10,000 2
Next 10,000 3.5
Next 40,000 7
Next 40,000 11.5
Next 40,000 15
Next 40,000 18
Next 40,000 19
Next 40,000 19.5
Next 40,000 20
Above 320,000 22

Non-Resident Tax Rates

Non-residents are taxed at either:

  • Flat rate of 15% on employment income, or
  • Resident rates (whichever results in higher tax)

Money-Saving Tips for Expatriates

  1. Housing Strategy
    • Consider locations outside the central region
    • Explore co-living options like d’Habitat
    • Negotiate rent for longer lease terms
  2. Transportation Efficiency
    • Use public transportation for daily commuting
    • Consider car-sharing instead of car ownership
    • Live near MRT stations to reduce transportation costs
  3. Food Budget Management
    • Explore hawker centers for affordable, delicious meals
    • Cook at home regularly
    • Use food delivery subscription services for discounts
  4. Smart Shopping
    • Shop at neighborhood markets instead of premium supermarkets
    • Wait for Great Singapore Sale and other major sales events
    • Use price comparison apps for best deals
  5. Entertainment Alternatives
    • Take advantage of Singapore’s free attractions and parks
    • Look for early-bird specials at restaurants
    • Use entertainment discount apps
  6. Financial Planning
    • Open a local bank account to avoid foreign transaction fees
    • Consider multi-currency accounts if you receive income in foreign currencies
    • Take advantage of tax benefits and deductions

Conclusion

While Singapore’s cost of living is high by global standards, the city-state offers excellent value in terms of safety, efficiency, healthcare, and quality of life. With careful planning and budgeting, expatriates can enjoy a comfortable lifestyle while managing expenses effectively.

At d’Habitat Co-Living, we understand the financial considerations of relocating to Singapore. Our all-inclusive co-living spaces offer expatriates a cost-effective housing solution that includes utilities, internet, and community amenities—helping you manage your budget while enjoying all that Singapore has to offer.


This cost of living guide is provided by d’Habitat Co-Living as a resource for expatriates relocating to Singapore. For more information about our cost-effective co-living spaces designed for international professionals, please contact us.


Singapore Relocation Checklist for Expatriate

Singapore Relocation Checklist for Expatriates

Singapore Relocation Checklist for Expatriates

This comprehensive checklist will help you organize your relocation to Singapore, ensuring you don't miss any critical steps before, during, and after your move. Use this as a practical guide to track your progress and reduce the stress of international relocation.

3-6 Months Before Moving

Documentation & Legal Matters

  • ☐ Ensure passport validity (at least 6 months beyond planned stay)
  • ☐ Apply for appropriate work visa/pass (Employment Pass, S Pass, etc.)
  • ☐ Gather and authenticate important documents:
    • ☐ Birth certificates
    • ☐ Marriage certificates
    • ☐ Academic credentials
    • ☐ Professional qualifications
    • ☐ Medical records and prescriptions
    • ☐ Vaccination records
    • ☐ Driver's license
  • ☐ Arrange for notarized copies of important documents
  • ☐ Research tax obligations in home country and Singapore
  • ☐ Consult with tax advisor about expatriate status

Housing & Accommodation

  • ☐ Research Singapore neighborhoods and housing options
  • ☐ Determine housing budget
  • ☐ Contact d'Habitat about co-living options
  • ☐ Schedule virtual property viewings
  • ☐ Arrange temporary accommodation if needed

Employment & Finance

  • ☐ Finalize employment contract details
  • ☐ Understand relocation package and benefits
  • ☐ Research banking options in Singapore
  • ☐ Notify current bank of international move
  • ☐ Research currency exchange options
  • ☐ Create moving budget and financial plan

Family Matters

  • ☐ Research schools for children (if applicable)
  • ☐ Submit international school applications
  • ☐ Research childcare options
  • ☐ Plan for pets (vaccination requirements, import permits)

Healthcare

  • ☐ Schedule medical check-ups before departure
  • ☐ Obtain necessary vaccinations
  • ☐ Refill prescription medications
  • ☐ Research health insurance options in Singapore
  • ☐ Obtain copies of medical records

1-2 Months Before Moving

Moving Logistics

  • ☐ Decide what to bring vs. what to sell/donate/store
  • ☐ Get quotes from international moving companies
  • ☐ Book shipping services for household goods
  • ☐ Purchase travel insurance
  • ☐ Book flights to Singapore

Housing

  • ☐ Finalize housing arrangements
  • ☐ Review and sign lease agreement
  • ☐ Arrange for rental deposit transfer
  • ☐ Understand utility setup requirements

Financial Preparation

  • ☐ Set up method for transferring funds internationally
  • ☐ Notify credit card companies of international move
  • ☐ Research Singapore credit card options
  • ☐ Prepare cash for initial expenses

Communication

  • ☐ Research mobile phone plans in Singapore
  • ☐ Check if current phone is unlocked for international use
  • ☐ Research home internet options

Practical Matters

  • ☐ Create inventory of items being shipped
  • ☐ Take photos of valuable items before shipping
  • ☐ Research Singapore's customs regulations
  • ☐ Check electrical compatibility (Singapore uses 230V, Type G plugs)
  • ☐ Purchase voltage converters/adapters if needed

2-4 Weeks Before Moving

Home Country Matters

  • ☐ Give notice to landlord (if renting)
  • ☐ Arrange for mail forwarding
  • ☐ Cancel or transfer subscriptions and memberships
  • ☐ Close or transfer utility accounts
  • ☐ Notify government agencies of address change
  • ☐ Schedule property cleaning (if needed)

Final Preparations

  • ☐ Confirm flight details
  • ☐ Confirm shipping arrangements and timeline
  • ☐ Pack essential documents in carry-on luggage:
    • ☐ Passports
    • ☐ Visa documentation
    • ☐ Employment contract
    • ☐ Housing agreement
    • ☐ Insurance information
    • ☐ Cash and credit cards
  • ☐ Prepare electronic copies of important documents
  • ☐ Set up international roaming or get temporary SIM card
  • ☐ Prepare medical kit for travel
  • ☐ Exchange some currency for initial expenses

Goodbyes

  • ☐ Plan farewell gatherings
  • ☐ Create contact list of friends and family
  • ☐ Set up video calling accounts for staying in touch

First Week in Singapore

Legal Requirements

  • ☐ Register with Immigration & Checkpoints Authority (ICA)
  • ☐ Collect Employment Pass/Dependent's Pass
  • ☐ Register with embassy/consulate (recommended)

Banking & Finance

  • ☐ Open Singapore bank account
  • ☐ Set up automatic bill payments
  • ☐ Activate online/mobile banking
  • ☐ Obtain local credit/debit card

Communication

  • ☐ Purchase Singapore SIM card/mobile plan
  • ☐ Set up home internet
  • ☐ Update contact information with important parties

Housing

  • ☐ Complete property inspection and document any issues
  • ☐ Set up utilities (if not included):
    • ☐ Electricity
    • ☐ Water
    • ☐ Gas (if applicable)
  • ☐ Arrange for additional furniture/appliances if needed
  • ☐ Locate nearest grocery stores and essential services

Transportation

  • ☐ Purchase EZ-Link card for public transportation
  • ☐ Download transportation apps (Citymapper, Grab)
  • ☐ Learn MRT/bus routes from your accommodation
  • ☐ Consider transportation options to workplace

Healthcare

  • ☐ Identify nearest medical facilities
  • ☐ Register with local doctor/clinic
  • ☐ Fill any necessary prescriptions
  • ☐ Confirm health insurance coverage

First Month in Singapore

Community Integration

  • ☐ Explore neighborhood amenities
  • ☐ Join expatriate groups or associations
  • ☐ Attend community events
  • ☐ Connect with colleagues outside work

Administrative Tasks

  • ☐ Register children in school (if applicable)
  • ☐ Set up regular bill payment system
  • ☐ Create emergency contact list
  • ☐ Learn garbage disposal and recycling procedures

Professional Network

  • ☐ Update LinkedIn and professional profiles
  • ☐ Join professional associations
  • ☐ Attend networking events
  • ☐ Connect with industry peers

Lifestyle Establishment

  • ☐ Find regular grocery stores and markets
  • ☐ Locate essential services (dry cleaning, haircuts, etc.)
  • ☐ Establish exercise routine
  • ☐ Explore leisure activities and facilities

Cultural Adaptation

  • ☐ Learn basic Singlish phrases
  • ☐ Understand local customs and etiquette
  • ☐ Try local cuisine
  • ☐ Visit cultural sites and museums

3-6 Months After Moving

Financial Review

  • ☐ Review budget and adjust for local cost of living
  • ☐ Ensure tax compliance in home country and Singapore
  • ☐ Review insurance coverage
  • ☐ Consider long-term savings and investment options

Social Integration

  • ☐ Expand social network
  • ☐ Participate in community activities
  • ☐ Explore volunteer opportunities
  • ☐ Join hobby or interest groups

Professional Development

  • ☐ Seek local professional development opportunities
  • ☐ Understand career advancement paths in Singapore
  • ☐ Build relationships with key professional contacts

Lifestyle Enhancement

  • ☐ Explore Singapore beyond your neighborhood
  • ☐ Plan regional travel
  • ☐ Develop routines that support work-life balance
  • ☐ Evaluate housing situation and consider long-term plans

Notes and Contacts

Important Singapore Contacts

  • Emergency Services: 999 (Police), 995 (Ambulance/Fire)
  • Singapore Embassy in Home Country: _________________
  • Home Country Embassy in Singapore: _________________
  • Employer HR Contact: _________________
  • Relocation Agent: _________________
  • Property Agent/Landlord: _________________
  • d'Habitat Contact: _________________
  • Insurance Provider: _________________
  • Bank Contact: _________________
  • Family Doctor: _________________
  • Nearest Hospital: _________________
  • Children's School: _________________
  • Utility Companies: _________________
  • Internet/Mobile Provider: _________________

Personal Notes

_________________

_________________

_________________

_________________

_________________


This relocation checklist is provided by d'Habitat Co-Living as a resource for expatriates moving to Singapore. For more information about our co-living spaces designed for international professionals, please contact us.

Singapore Expatriate Guide: Essential Resources for New Arrival

Singapore Expatriate Guide: Essential Resources for New Arrivals

Singapore Expatriate Guide: Essential Resources for New Arrivals

Introduction

Moving to a new country is both exciting and challenging. As an expatriate relocating to Singapore, you'll encounter a unique blend of cultures, efficient systems, and distinctive customs that make this city-state one of the world's most livable places for international residents.

At d'Habitat Co-Living, we understand that a successful transition involves more than just finding the right accommodation. This comprehensive guide provides essential information and resources to help you navigate your new life in Singapore, from practical matters like visas and banking to cultural insights and community connections.

Before You Arrive

Visa and Immigration

Singapore has several visa options for expatriates, depending on your purpose of stay:

  1. Employment Pass (EP)
    • For foreign professionals, managers, and executives
    • Minimum monthly salary of S$5,000 (higher for older, more experienced candidates)
    • Usually valid for 1-2 years initially, renewable
    • Application must be sponsored by employer
  2. S Pass
    • For mid-level skilled workers
    • Minimum monthly salary of S$3,000
    • Subject to quota and levy requirements
    • Usually valid for up to 2 years, renewable
  3. Dependent's Pass
    • For legally married spouses and unmarried children under 21 of EP or S Pass holders
    • Valid for the same duration as the primary pass holder's pass
  4. Long Term Visit Pass (LTVP)
    • For common-law spouses, step-children, or handicapped children of EP holders
    • Parents of EP holders may also be eligible
    • Usually valid for the same duration as the primary pass holder's pass

Important Resources:

Pre-Departure Checklist

Before leaving for Singapore, ensure you have:

  • Valid passport (with at least 6 months validity)
  • Employment letter and visa approval documents
  • Certified copies of educational certificates
  • Birth and marriage certificates (if applicable)
  • Medical and vaccination records
  • International driver's license (if planning to drive)
  • Travel insurance for initial period
  • Arrangements for temporary accommodation if permanent housing isn't secured

What to Pack

Singapore's tropical climate influences what you should bring:

  • Lightweight, breathable clothing (the temperature rarely drops below 25°C/77°F)
  • Formal business attire for work (offices are air-conditioned)
  • Swimwear and casual wear for weekends
  • Comfortable walking shoes
  • Sunscreen and insect repellent
  • Any specific medications you require (with prescriptions)
  • Voltage adapters for electronics (Singapore uses 230V, Type G plugs)

Tip: Many items can be purchased in Singapore, often at comparable or lower prices than in Western countries. Consider bringing only essentials and buying other items locally.

First Week Essentials

Arrival and Registration

Upon arrival in Singapore, you'll need to complete several administrative tasks:

  1. Register with ICA
    • Collect your Employment Pass/S Pass/Dependent's Pass
    • Required documents include passport, visa approval letter, and passport photos
    • Appointments are typically scheduled by your employer or relocation agent
  2. Register with your Embassy/Consulate

Banking and Finance

Setting up your financial life in Singapore is straightforward:

  1. Opening a Bank Account
    • Major banks include DBS/POSB, UOB, OCBC, and international banks like Citibank and HSBC
    • Required documents: Passport, Employment Pass, proof of address
    • Consider proximity to your home/workplace when choosing a bank
  2. Mobile Banking
    • Singapore has excellent digital banking infrastructure
    • Download your bank's app for convenient transactions
    • Consider apps like PayNow and PayLah! for local transfers
  3. Credit Cards
    • Useful for building local credit history
    • Many offer attractive rewards for dining, shopping, and travel
    • Compare options on comparison sites like SingSaver

Mobile Phone and Internet

Staying connected is essential:

  1. Mobile Service Providers
    • Major providers: Singtel, StarHub, M1
    • Budget options: Circles.Life, Gomo, TPG
    • Required documents: Passport, Employment Pass
  2. Home Internet
    • Fiber broadband is widely available and affordable
    • Major providers include Singtel, StarHub, M1, and MyRepublic
    • Most condominiums (including d'Habitat properties) include high-speed internet

Healthcare Registration

Understanding Singapore's healthcare system:

  1. Public vs. Private Healthcare
    • Singapore has excellent public and private healthcare facilities
    • Public hospitals provide quality care at subsidized rates for citizens and PRs
    • Expatriates typically use private healthcare or pay unsubsidized rates at public facilities
  2. Health Insurance
    • Check if your employer provides health insurance
    • Consider supplementary coverage if needed
    • International health insurance providers include AXA, Cigna, and Allianz
  3. Finding a General Practitioner
    • Establish a relationship with a local GP for routine care
    • Polyclinics provide subsidized care but may have longer waiting times
    • Private GP clinics are widely available in neighborhoods and malls

Important Resources:

Setting Up Your Life

Transportation

Singapore's public transportation system is world-class:

  1. EZ-Link Card
    • Essential for public transportation
    • Available at MRT stations and convenience stores
    • Can be linked to mobile payment apps
  2. MRT and Bus System
    • Download the SG NextBus or Citymapper app for navigation
    • MRT operates from approximately 5:30 AM to midnight
    • Night buses (NightRider) operate on weekends
  3. Taxis and Ride-Sharing
    • Grab is the dominant ride-sharing app
    • ComfortDelGro is the largest taxi company
    • Gojek and Tada are alternative options
  4. Driving in Singapore
    • Expensive due to Certificate of Entitlement (COE) requirements
    • Foreign licenses can be used for up to 12 months
    • Consider car-sharing services like BlueSG or GetGo for occasional use

Shopping for Essentials

Where to find what you need:

  1. Grocery Shopping
    • Major supermarkets: FairPrice, Cold Storage, Giant, Sheng Siong
    • Premium options: Market Place, Little Farms, Ryan's Grocery
    • Wet markets for fresh produce and local ingredients
    • Online options: RedMart, FairPrice Online, Amazon Fresh
  2. Household Items
    • IKEA (Alexandra and Tampines)
    • Courts, Harvey Norman for electronics and appliances
    • Neighborhood shops in Joo Chiat, Little India, and Chinatown for unique items
  3. Shopping Malls
    • Orchard Road for luxury and international brands
    • Suburban malls like VivoCity, Jurong Point, and Tampines Mall
    • Mustafa Centre in Little India for 24-hour shopping

Domestic Help

Many expatriate families employ domestic helpers:

  1. Foreign Domestic Worker (FDW) Employment
    • Requires work permit application through MOM
    • Monthly levy of S$300-S$450 depending on concession eligibility
    • Employers must provide insurance, accommodation, and medical care
  2. Part-Time Cleaning Services
    • Alternatives include part-time cleaning services
    • Apps like Helpling connect homeowners with cleaners
    • No levy or accommodation requirements

Understanding Singapore

Cultural Norms and Etiquette

Singapore's multicultural society has some common courtesies:

  1. General Etiquette
    • Remove shoes when entering homes (if requested)
    • Avoid public displays of anger or excessive affection
    • Queue for services and respect personal space
    • Avoid discussing sensitive political topics in public
  2. Business Etiquette
    • Punctuality is highly valued
    • Business cards are exchanged with both hands
    • Respect hierarchical structures in organizations
    • Dress formally for business meetings unless specified otherwise
  3. Dining Etiquette
    • Communal dining is common; food is shared
    • Wait for elders or hosts to begin eating
    • Leaving a small amount of food indicates you're satisfied
    • Tipping is not expected but appreciated

Understanding Singlish

Singapore English (Singlish) combines English with elements of Chinese, Malay, and Tamil:

  • Common Phrases:
    • "Can" (Possible/acceptable)
    • "Cannot" (Not possible/unacceptable)
    • "Lah" (Emphasis particle: "Sure lah!")
    • "Makan" (Eat/meal)
    • "Kiasu" (Fear of missing out/competitive)

Public Holidays and Festivals

Singapore celebrates holidays from various cultural traditions:

  1. Major Holidays
    • Chinese New Year (January/February)
    • Hari Raya Puasa (End of Ramadan)
    • Deepavali (October/November)
    • Christmas (December 25)
    • National Day (August 9)
  2. Cultural Festivals
    • Lunar Seventh Month (Chinese Ghost Festival)
    • Mid-Autumn Festival
    • Thaipusam
    • Vesak Day

Tip: Plan for reduced services and crowded attractions during major holidays. Many businesses close during Chinese New Year.

Building Your Community

Expatriate Organizations

Connect with fellow expatriates through:

  1. National Associations
    • American Association of Singapore
    • British Association of Singapore
    • Australian and New Zealand Association
    • Canadian Association of Singapore
    • And many others based on nationality
  2. Professional Networks
    • Chambers of Commerce (AmCham, BritCham, etc.)
    • Professional Women's Association
    • Industry-specific networking groups
  3. Social Groups
    • InterNations Singapore
    • Meetup.com groups
    • Facebook expatriate communities
    • Sports clubs and recreational groups

Family Resources

For expatriates with families:

  1. International Schools
    • American School
    • United World College
    • Canadian International School
    • Tanglin Trust School (British)
    • German European School
    • And many others catering to different curricula and nationalities
  2. Family Activities
    • Gardens by the Bay
    • Singapore Zoo and Night Safari
    • Universal Studios Singapore
    • ArtScience Museum
    • Jacob Ballas Children's Garden
  3. Parent Networks
    • PTA organizations at international schools
    • Expat parenting groups on Facebook
    • HoneyKids Asia website for family resources

Managing Finances as an Expatriate

Banking and Investment

Optimize your financial situation:

  1. Multi-Currency Accounts
    • Useful for managing funds in different currencies
    • DBS, OCBC, and UOB offer competitive options
  2. Investment Opportunities
    • Consider speaking with financial advisors specializing in expatriate finances
    • Understand tax implications in both Singapore and your home country
  3. Retirement Planning
    • CPF (Central Provident Fund) is generally not applicable to expatriates
    • Consider offshore pension plans or investments in your home country

Tax Considerations

Singapore's tax system is relatively straightforward:

  1. Income Tax
    • Progressive rates from 0% to 22% for residents
    • Non-residents taxed at 15% or resident rates, whichever is higher
    • Tax year runs from January to December
    • Filing deadline is April 15 each year
  2. Tax Residency
    • Generally considered a tax resident if physically present for 183 days or more
    • Tax residents enjoy progressive tax rates and certain deductions
    • Double taxation agreements exist with many countries

Important Resource:

Healthcare in Detail

Understanding the System

Singapore's healthcare system combines public and private options:

  1. Public Healthcare
    • Polyclinics for primary care
    • Restructured hospitals (e.g., Singapore General Hospital, National University Hospital)
    • Subsidized rates primarily benefit citizens and PRs
  2. Private Healthcare
    • Private hospitals (e.g., Mount Elizabeth, Gleneagles, Raffles)
    • Private GP clinics
    • Specialist clinics
  3. Emergency Services
    • Call 995 for medical emergencies
    • A&E departments at major hospitals
    • Private hospitals may charge significantly more for emergency services

Health Insurance Options

Ensure you have adequate coverage:

  1. Employer-Provided Insurance
    • Check coverage limits and exclusions
    • Understand if dependents are covered
  2. Private Health Insurance
    • International providers: Cigna, Allianz, AXA
    • Local providers: AIA, Prudential, NTUC Income
    • Consider coverage for evacuation to home country if needed

Leisure and Recreation

Exploring Singapore

Make the most of your free time:

  1. Nature and Outdoor Activities
    • Gardens by the Bay
    • Singapore Botanic Gardens
    • MacRitchie Reservoir TreeTop Walk
    • Pulau Ubin island
    • East Coast Park and Sentosa beaches
  2. Cultural Experiences
    • National Museum of Singapore
    • Asian Civilisations Museum
    • Peranakan Museum
    • Cultural districts: Chinatown, Little India, Kampong Glam
  3. Food Exploration
    • Hawker centers (Maxwell, Old Airport Road, Lau Pa Sat)
    • Michelin-starred restaurants and street food
    • Food tours and cooking classes

Regional Travel

Singapore is an excellent base for exploring Southeast Asia:

  1. Weekend Getaways
    • Bintan and Batam (Indonesia)
    • Johor Bahru and Malacca (Malaysia)
    • Bangkok and Phuket (Thailand)
  2. Travel Resources
    • Changi Airport connects to over 100 international destinations
    • Budget airlines like AirAsia, Scoot, and Jetstar
    • Singapore Airlines and regional full-service carriers

Practical Information

Emergency Contacts

Keep these numbers handy:

  • Police: 999
  • Ambulance/Fire: 995
  • Non-emergency ambulance: 1777
  • Police hotline (non-emergency): 1800-255-0000

Useful Apps for Singapore Living

Make your life easier with these mobile applications:

  1. Transportation
    • Citymapper or Google Maps for public transport
    • Grab for ride-hailing
    • CDG Taxi for traditional taxis
  2. Food and Delivery
    • Foodpanda, Deliveroo, GrabFood
    • Burpple for food recommendations
    • Chope for restaurant reservations
  3. Utilities and Services
    • SP Services for utilities
    • Carousell for secondhand items
    • Lazada and Shopee for online shopping
  4. Government Services
    • Singpass app for government services
    • OneService for municipal issues
    • TraceTogether for COVID-19 contact tracing (if required)

Conclusion

Relocating to Singapore offers an exciting opportunity to experience one of Asia's most dynamic and livable cities. While the initial adjustment period may present challenges, the city's efficiency, safety, and quality of life consistently rank among the world's best for expatriates.

At d'Habitat Co-Living, we're committed to making your transition as smooth as possible. Our co-living spaces are designed with expatriates in mind, offering not just accommodation but a ready-made community and support system as you establish your new life in Singapore.

We hope this guide serves as a valuable resource during your relocation journey. For more specific advice or to explore our co-living options, please contact our team. Welcome to Singapore—we're excited to help you make it your new home!


This guide is provided by d'Habitat Co-Living as a resource for expatriates relocating to Singapore. For more information about our co-living spaces designed for international professionals, please contact us.

Guide to Co-Living in Singapore for Expatriate

Guide to Co-Living in Singapore for Expatriates

Guide to Co-Living in Singapore for Expatriates

Introduction

Moving to a new country can be both exciting and overwhelming. As an expatriate relocating to Singapore, finding the right accommodation is one of the most crucial decisions you'll make. Traditional housing options often come with long-term commitments, hefty deposits, and the hassle of furnishing and setting up utilities. This is where co-living spaces offer a compelling alternative.

At d'Habitat Co-Living, we understand the unique challenges expatriates face when moving to Singapore. This comprehensive guide will walk you through everything you need to know about co-living in Singapore, helping you make an informed decision about your new home.

What is Co-Living?

Co-living is a modern housing concept that combines private living spaces with shared common areas, creating a community-focused living environment. In a typical co-living arrangement, you'll have your own private bedroom (often with an ensuite bathroom) while sharing communal spaces like kitchens, living rooms, and recreational areas with other residents.

The co-living model goes beyond just providing a place to stay—it creates a ready-made community for newcomers to Singapore, offering both convenience and connection.

Why Co-Living is Perfect for Expatriates in Singapore

1. Cost-Effective Living

Singapore consistently ranks among the world's most expensive cities for expatriates. Traditional rental options often require:

  • 1-2 months' security deposit
  • Agent fees (typically one month's rent)
  • Minimum 12-month lease commitments
  • Separate utility payments
  • Furniture purchases

Co-living spaces like d'Habitat offer all-inclusive pricing that can save expatriates up to 30% compared to traditional housing options. Your monthly fee typically covers:

  • Fully furnished accommodation
  • All utilities (electricity, water, gas)
  • High-speed internet
  • Regular cleaning services
  • Access to all facilities and amenities

2. Flexibility and Convenience

As an expatriate, your plans may change unexpectedly. Co-living spaces offer:

  • Shorter lease terms (starting from 3-6 months)
  • Simple renewal processes
  • Fully furnished spaces (move in with just your suitcase)
  • All-inclusive billing (one payment covers everything)
  • No need to set up utilities or internet

This flexibility is particularly valuable for expatriates on short-term assignments or those who want to explore different neighborhoods before committing to a longer lease.

3. Instant Community

One of the biggest challenges expatriates face is building a social network in a new country. Co-living spaces address this by:

  • Creating built-in communities of like-minded professionals
  • Organizing regular community events and activities
  • Providing shared spaces designed for interaction
  • Connecting you with both locals and fellow expatriates
  • Offering networking opportunities

At d'Habitat, our residents often form lasting friendships and professional connections that enhance their Singapore experience.

4. Prime Locations

Many co-living spaces in Singapore, including all d'Habitat properties, are strategically located near:

  • MRT stations for easy commuting
  • Business districts for convenient access to work
  • Shopping centers and amenities
  • Popular expatriate neighborhoods
  • Dining and entertainment options

This allows you to live in desirable areas that might otherwise be unaffordable through traditional rental options.

5. Safety and Security

Safety is a primary concern when moving to a new country. Co-living spaces typically offer:

  • 24/7 security systems
  • Secure access to buildings
  • CCTV monitoring
  • On-site management
  • Emergency support

These features provide peace of mind, especially for those new to Singapore.

What to Expect in a Singapore Co-Living Space

Types of Rooms

Most co-living operators in Singapore, including d'Habitat, offer several room types:

1. Master Bedrooms: Larger rooms with ensuite bathrooms, often with additional features like balconies or superior views.

2. Common Rooms: Standard-sized bedrooms, sometimes with shared bathrooms.

3. Studio Units: Self-contained spaces with private kitchenettes for those who prefer more independence while still enjoying community benefits.

Room sizes typically range from 120 to 250 square feet, with prices varying based on size, location, and amenities.

Typical Amenities

Singapore co-living spaces generally offer:

  • Fully furnished rooms (bed, wardrobe, desk, chair)
  • Air conditioning
  • High-speed Wi-Fi
  • Shared kitchens with appliances
  • Laundry facilities
  • Cleaning services
  • Common living areas
  • Sometimes additional amenities like gyms, pools, or rooftop terraces

At d'Habitat properties, you'll find all these amenities plus condominium facilities like swimming pools, gyms, and BBQ areas, depending on the specific location.

Community Aspects

The social dimension of co-living includes:

  • Community events (movie nights, potluck dinners)
  • Professional networking opportunities
  • Cultural exchange activities
  • Wellness programs
  • Festive celebrations

These activities help newcomers integrate into Singapore life and build meaningful connections.

How to Choose the Right Co-Living Space in Singapore

Location Considerations

When selecting a co-living space in Singapore, consider:

1. Proximity to work: Singapore's excellent public transportation makes commuting easy, but living near your workplace can save valuable time.

2. Neighborhood character: Each Singapore district has its own personality. Areas like Tiong Bahru offer heritage charm, while Tanjong Pagar provides urban convenience.

3. Nearby amenities: Check for proximity to supermarkets, restaurants, parks, and healthcare facilities.

4. Transportation links: Look for properties near MRT stations or bus stops for convenient mobility.

Budget Planning

Co-living prices in Singapore typically range from SGD 1,200 to SGD 3,000 per month, depending on:

  • Room type and size
  • Property location
  • Included amenities
  • Lease duration (shorter leases may cost more)

Remember that this all-inclusive price covers what would normally be separate expenses in traditional rentals.

Questions to Ask

Before committing to a co-living space, ask:

  1. What exactly is included in the monthly fee?
  2. What is the minimum lease commitment?
  3. What is the policy for guests and overnight visitors?
  4. How are common areas maintained and cleaned?
  5. What community events are regularly organized?
  6. What is the process for maintenance requests?
  7. Are there quiet hours or other house rules?
  8. What happens if you need to terminate your lease early?

The Co-Living Experience at d'Habitat

At d'Habitat, we've designed our co-living spaces specifically with expatriates in mind. Our properties offer:

  • Premium locations near MRT stations and key business districts
  • Fully furnished rooms with quality fittings and furnishings
  • Condominium facilities including pools, gyms, and security
  • Flexible lease terms starting from 6 months
  • All-inclusive pricing with no hidden costs
  • Community-focused environment with regular events
  • Professional management with responsive support

Our residents particularly appreciate our attention to detail, from the quality of furnishings to the thoughtfully designed common spaces that facilitate both socializing and quiet work.

Legal Considerations for Expatriates

When renting in Singapore as an expatriate, be aware of:

  • Visa requirements: Ensure your visa status allows you to rent property
  • Tenancy agreements: Read all terms carefully before signing
  • Diplomatic clause: Check if early termination is possible if you're relocated
  • Security deposits: Understand the conditions for full refund
  • Utility arrangements: Confirm what's included and what's not

At d'Habitat, we're familiar with expatriates' unique circumstances and can guide you through these considerations.

Conclusion

Co-living offers expatriates in Singapore a flexible, cost-effective, and community-oriented housing solution that addresses many of the challenges of relocating to a new country. With its all-inclusive approach, prime locations, and built-in community, it's no wonder that co-living has become increasingly popular among international professionals in Singapore.

If you're considering a move to Singapore or are already here looking for a more convenient living arrangement, we invite you to explore d'Habitat's co-living properties. Our team understands the expatriate experience and is committed to making your transition to Singapore as smooth and enjoyable as possible.

Contact us today to schedule a viewing or learn more about our available rooms. Welcome to your new home in Singapore!


Ready to experience co-living at d'Habitat? Contact us via WhatsApp or email to schedule a viewing of our available properties.

Top 5 Benefits of Co-Living vs. Traditional Rentals in Singapore

Top 5 Benefits of Co-Living vs. Traditional Rentals in Singapore

Top 5 Benefits of Co-Living vs. Traditional Rentals in Singapore

Introduction

The Singapore housing market can be challenging to navigate, especially for newcomers and young professionals. With rising rental costs and competitive demand, finding the right accommodation requires careful consideration of all available options. While traditional rentals have long been the standard choice, co-living has emerged as a compelling alternative that addresses many pain points of modern urban living.

At d'Habitat Co-Living, we've seen firsthand how co-living can transform the rental experience for our residents. In this article, we'll explore the five key benefits of choosing co-living over traditional rental arrangements in Singapore, helping you make an informed decision about your next home.

1. Significant Cost Savings

The Financial Reality of Traditional Rentals

Traditional rental arrangements in Singapore typically involve:

  • Security deposits (usually 1-2 months' rent)
  • Agent fees (commonly one month's rent)
  • Utility setup fees and monthly bills
  • Internet installation and subscription costs
  • Furniture and appliance purchases
  • Cleaning services (if desired)

These costs quickly add up, creating a substantial financial burden beyond the monthly rent itself. For a typical one-bedroom apartment in a decent location, you might spend SGD 2,800-3,500 in rent alone, with additional costs pushing your total monthly housing expenditure well above SGD 3,500.

The Co-Living Advantage

Co-living spaces operate on an all-inclusive model that can generate savings of 20-30% compared to equivalent traditional rentals. At d'Habitat, your monthly payment covers:

  • Fully furnished accommodation
  • All utilities (electricity, water, gas)
  • High-speed internet
  • Regular cleaning services
  • Access to all facilities and amenities
  • Community events and activities

This bundled approach eliminates hidden costs and provides financial predictability. For comparable accommodations and amenities, co-living residents typically save SGD 800-1,200 per month compared to traditional rental arrangements.

2. Unmatched Flexibility

The Rigidity of Traditional Leases

Singapore's traditional rental market is structured around:

  • Minimum 12-month lease commitments
  • Limited break-lease options
  • Substantial penalties for early termination
  • Rigid renewal terms
  • Extensive paperwork and negotiations

This lack of flexibility can be particularly problematic for expatriates on short-term assignments, young professionals exploring career opportunities, or anyone whose life circumstances might change unexpectedly.

The Co-Living Advantage

Co-living spaces recognize that modern life requires adaptability. At d'Habitat, we offer:

  • Shorter minimum lease terms (starting from 6 months)
  • Simplified renewal processes
  • More reasonable early termination options
  • Streamlined paperwork
  • The ability to transfer between properties (subject to availability)

This flexibility allows residents to adapt their living arrangements to changing circumstances without the financial penalties and stress associated with breaking traditional leases. Whether you're in Singapore for a short-term project or want to try different neighborhoods before committing long-term, co-living provides the flexibility you need.

3. Built-In Community and Networking

The Isolation of Traditional Rentals

Traditional rental arrangements often lead to:

  • Limited interaction with neighbors
  • Difficulty building social connections in a new city
  • Isolation, particularly for newcomers to Singapore
  • Missed professional networking opportunities
  • Challenges adapting to local culture and customs

These social challenges can significantly impact quality of life, especially for expatriates and those new to Singapore.

The Co-Living Advantage

Community is at the heart of the co-living concept. At d'Habitat properties, residents benefit from:

  • Thoughtfully designed common spaces that encourage interaction
  • Regular community events and activities
  • A diverse mix of local and international residents
  • Professional networking opportunities
  • Cultural exchange and learning
  • Built-in support system for newcomers

Our residents frequently cite the community aspect as the most valuable part of their co-living experience. Many form lasting friendships and professional connections that enhance both their personal and professional lives in Singapore.

One d'Habitat resident, Sarah, a marketing professional from Australia, shares: "Moving to Singapore, I knew no one. Within my first week at d'Habitat, I'd made friends from five different countries and even found a professional connection that led to a job opportunity. The community here made all the difference in my transition."

4. Premium Locations Without Premium Prices

The Location Compromise in Traditional Rentals

In Singapore's traditional rental market, desirable locations come with premium prices, forcing many to choose between:

  • Paying extremely high rent for central locations
  • Accepting long commutes from more affordable areas
  • Compromising on space and amenities to stay within budget
  • Settling for older properties with maintenance issues

These compromises can significantly impact quality of life and work-life balance.

The Co-Living Advantage

Co-living spaces like d'Habitat offer access to premium locations at more accessible price points. Our properties are strategically located:

  • Near MRT stations for convenient commuting
  • In desirable neighborhoods with character and amenities
  • Close to business districts and employment hubs
  • Near shopping, dining, and entertainment options
  • In safe, well-established communities

By optimizing space usage and sharing certain facilities, co-living makes premium locations affordable. This means you can live in Tiong Bahru, Dover, or near the CBD without the prohibitive costs typically associated with these desirable areas.

5. Hassle-Free Living Experience

The Hidden Labor of Traditional Rentals

Traditional rental arrangements come with numerous administrative and maintenance responsibilities:

  • Setting up and managing multiple utility accounts
  • Arranging internet installation and service
  • Furnishing and decorating from scratch
  • Handling maintenance issues and repairs
  • Cleaning and property upkeep
  • Managing multiple monthly payments

These tasks consume valuable time and energy, particularly challenging for busy professionals and those unfamiliar with local systems and services.

The Co-Living Advantage

Co-living spaces eliminate these hassles through a comprehensive management approach. At d'Habitat, we handle:

  • All utility management and payments
  • High-speed internet provision and maintenance
  • Complete furnishing with quality items
  • Prompt maintenance and repairs
  • Regular cleaning of common areas
  • Single, all-inclusive monthly payment

This comprehensive service approach allows residents to focus on their work, social life, and exploring Singapore rather than dealing with household administration. For expatriates and busy professionals, this convenience is invaluable.

Michael, a tech professional and d'Habitat resident, notes: "After a 12-hour workday, the last thing I want to worry about is chasing down a plumber or dealing with an internet outage. At d'Habitat, one message to management, and issues are resolved quickly. It's worth every penny for the peace of mind."

Conclusion: Is Co-Living Right for You?

Co-living offers compelling advantages over traditional rentals, particularly for:

  • Expatriates and newcomers to Singapore
  • Young professionals prioritizing networking and social connections
  • Those seeking flexibility and freedom from long-term commitments
  • Budget-conscious renters who don't want to compromise on location or amenities
  • Busy individuals who value convenience and time-saving solutions

While traditional rentals might still be preferable for families needing more space or those seeking complete privacy and independence, co-living represents an innovative solution to many of the challenges of urban living in Singapore.

At d'Habitat Co-Living, we've created spaces that balance privacy and community, offering the best of both worlds. Our residents enjoy private, comfortable rooms while benefiting from shared spaces, inclusive services, and a vibrant community.

If you're considering your accommodation options in Singapore, we invite you to explore co-living as an alternative to traditional rentals. Visit one of our properties to experience firsthand how co-living can enhance your Singapore living experience.


Interested in experiencing the benefits of co-living firsthand? Contact d'Habitat today to schedule a viewing of our available properties across Singapore.