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Net Rental Yield Calculator

Gross and net rental yield based on price, monthly rent, and annual operating expenses.

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Net rental yield

0.00%

Gross rental yield
0.00%
Annual rental income
S$0
Annual net income (after expenses)
S$0

Net yield ignores mortgage interest — that is a financing cost, not an operating cost. Subtract interest separately to model leveraged returns.

  • Results are indicative only and not a bank-approved quotation, IRAS assessment, or HDB confirmation.
  • Interest rates, stamp-duty rates, LTV limits and CPF rules change. Verify the latest with MAS, IRAS, HDB and your lender before transacting.
  • Consult a qualified mortgage broker, conveyancing lawyer, or accountant for advice specific to your situation.
  • SellMyHouse.sg accepts no liability for decisions made on the basis of these calculations.

References

Last updated: 25 Sep 2026

Frequently Asked Questions

There is no official benchmark: URA and HDB publish rents, not yields. To gauge an area, divide a median rent there by a comparable sale price. Yields usually run lower for prime, higher-priced homes than for mass-market ones, because rents do not rise in step with prices. How far net sits below gross depends on your costs: the default figures here (S$4,500 a month on S$1.5M, S$9,000 of costs) give 3.6% gross and 3.0% net.

Gross yield ignores ongoing costs — property tax, maintenance fees (MCST), insurance, repairs, agent commission, and the vacancy buffer (typically 4-8% of annual rent for Singapore condos). Net yield is the metric serious investors look at.

HDB resale prices are lower per square foot than comparable condos, while HDB rents have risen sharply post-COVID. Condo prices are propped up by capital-appreciation expectations and lifestyle premiums (pool, gym, concierge) that don't proportionally raise rent.

Vacancy (1 month every 2 years), agent commission (~half a month's rent on a 1-year lease), minor repairs, replacement appliances, MCST sinking fund contributions, property tax at the non-owner-occupier rate (12% bottom band, much higher than owner-occupier 0%).

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