BTO Budget Breakdown 2025: Complete Guide for Singapore Homeowners

Renovating your BTO flat is one of the most exciting yet daunting experiences for new homeowners in Singapore. With proper planning and budgeting, you can transform your space into a dream home without breaking the bank.

Overall BTO Renovation Budget Range

For a typical 4-room BTO flat, homeowners should budget between $30,000 to $60,000 for a complete renovation. This range varies based on the quality of materials, extent of hacking, and level of customization desired.

Budget Breakdown by Room

Living Room ($8,000 - $15,000)

• Flooring: $2,000 - $4,000
• Lighting: $1,000 - $2,500
• Built-in TV console: $2,000 - $4,000
• Painting: $800 - $1,500
• Electrical work: $1,200 - $2,000
• Miscellaneous: $1,000 - $1,000

Kitchen ($10,000 - $20,000)

• Kitchen cabinets: $5,000 - $12,000
• Countertop: $1,500 - $3,000
• Appliances: $2,000 - $3,500
• Backsplash tiles: $500 - $1,000
• Plumbing work: $1,000 - $1,500

Bedrooms ($5,000 - $10,000 per room)

• Wardrobe: $2,500 - $5,000
• Flooring: $1,000 - $2,000
• Lighting: $500 - $1,000
• Painting: $500 - $1,000
• Electrical work: $500 - $1,000

Bathrooms ($4,000 - $8,000 per bathroom)

• Tiles: $1,500 - $3,000
• Sanitary ware: $1,000 - $2,000
• Shower screen: $500 - $1,000
• Waterproofing: $500 - $1,000
• Plumbing: $500 - $1,000

Hidden Costs to Watch Out For

Many homeowners overlook these additional expenses that can add 10-20% to your total budget:

1. Hacking and Disposal ($2,000 - $5,000)

Removing existing fixtures, tiles, and disposing of debris can cost more than expected, especially if structural changes are needed.

2. Upgrading Electrical Systems ($1,500 - $3,000)

Older BTO flats may require electrical upgrades to support modern appliances and smart home features.

3. Temporary Accommodation ($1,000 - $3,000)

If renovation takes longer than expected, you may need alternative accommodation.

4. Storage and Moving ($500 - $1,500)

Temporary storage for furniture and belongings during renovation.

5. Design Changes ($1,000 - $5,000)

Mid-renovation changes can significantly impact your budget.

Money-Saving Tips

• Get multiple quotes: Compare at least 3 contractors before deciding
• Choose standard sizes: Custom-made items cost 30-50% more
• Bundle projects: Renovate multiple rooms together for better rates
• Source your own materials: Can save 10-15% on material costs
• Time your renovation: Avoid peak seasons (Chinese New Year, year-end)

Final Thoughts

A well-planned BTO renovation doesn't have to drain your savings. By understanding the true costs involved and planning for contingencies, you can create a beautiful home that fits your budget.

Remember to always set aside 10-15% of your budget for unexpected expenses – it's better to have a buffer than to be caught off guard.