Reno Cost SG

4-Room BTO Renovation Cost Breakdown (2026)

Updated 25 Oct 2026 · Reno Cost SG Editorial Team
An empty, newly renovated open-plan 4-room HDB living area and kitchen in warm neutral tones
Short answer

A full 4-room BTO renovation in 2026 typically costs about S$50,000–S$60,000 for works, before furniture. Carpentry and the kitchen take the largest share; keeping built-ins light is the main way to come in lower. These are illustrative industry ranges, not quotes.

A 4-room BTO is the most common Singapore home to renovate, so it is the easiest to budget for. In 2026 the illustrative full-renovation range is about S$50,000–S$60,000 for works only, before furniture and appliances. That is a compiled industry estimate, not a quote — your figure moves with scope and finishes.

The item-by-item budget

Here are selected illustrative per-trade estimates for a mid-range 4-room BTO — these are separate calculator examples, not a complete breakdown that sums to the S$50,000–S$60,000 whole-project total:

Card listing illustrative 4-room BTO renovation cost ranges

Illustrative 4-room BTO renovation estimates. Whole-project total and per-trade ranges are separate figures. Source: Qanvast.

Work Illustrative range
Carpentry (kitchen + wardrobes) S$3,400 – S$6,100
Windows, doors & grilles S$2,600 – S$5,100
Electrical (lighting, power points) S$1,700 – S$3,200
Masonry (tiling & flooring) S$1,300 – S$3,000
Painting S$200 – S$1,400
Hacking (minimal in a new flat) S$400 – S$700
Cleaning & disposal S$300 – S$1,100

Illustrative ranges — Source: Qanvast renovation calculator. Not quotes.

Carpentry sits at the top because built-ins are priced by the foot run; the kitchen alone commonly runs S$11,500–S$28,000 once appliances are counted. Because a BTO comes with sound floors and wiring, it skips the hacking and rewiring that push up a resale flat renovation.

Where people actually save

Real sub-S$50,000 4-room BTO renovations tend to share a pattern: built-ins only where they earn their keep (kitchen cabinets, master wardrobe), spare bedrooms left to flooring, paint and a simple wardrobe, and loose furniture instead of custom carpentry. Some homeowners split the work into two phases, doing good-to-have built-ins a few years later.

Don’t forget these extras

  • Furniture, appliances and furnishings: typically a separate S$10,000–S$30,000.
  • A 10–20% buffer for variation orders and anything found after works begin.
  • Renovation duration: a 4-room BTO usually takes about 8–10 weeks.

If you are borrowing, note that bank renovation loans typically offer up to the lower of 6× monthly income or S$30,000 — see the renovation loan guide. For the big picture across flat types, see the HDB renovation cost guide.

Cost figures are illustrative ranges compiled from published industry sources, not quotes. Confirm current figures with your contractor.

Sources

  1. Expected Renovation Costs for HDB Flats in 2026 — Qanvast (as of October 2026)
  2. Renovation Cost Calculator (cost by work type) — Qanvast (as of October 2026)
  3. 10 Wallet-Friendly 4-Room BTO Renovations Under S$50,000 — Qanvast (as of October 2026)