HOROI

HDB block scorecard · rubric v0.3

Blk 34 Lor 5 Toa Payoh

HDB block scorecard · Toa Payoh · 37 resales 2017-01–2026-04

C-
46/100
88% measured

Carried by price vs town peers (5.0/5); capped by lease runway (0.0/5).

Best for: Short-horizon buyers pricing the lease decay in, eyes open.

Overall46C-

the headline rubric: price, trend, liquidity, location, lease

Value92A+

8th pctile in Toa Payoh · 17th pctile of all 8842 blocks islandwide

Investment20D

+2.9%/yr realized · 5 resales/36mo · ~43yr lease left

The rubric

How we rate →

  • Price vs Town Peers

    20%
    computed
    5.0/5

    510

    $510 median psf = 8th pctile of 262 rated Toa Payoh blocks (cheaper=better)

  • Realized Price Trend

    20%
    computed
    1.0/5

    +2.9%/yr

    block trend +2.9%/yr = 6th pctile of 8622 blocks (first-12mo vs last-12mo, annualized)

  • Transaction Liquidity

    15%
    computed
    2.0/5

    5 resales / 36mo

    3yr resale volume; block med ~7 — single-block markets are thin

  • Location & Connectivity

    15%
    computed
    2.5/5

    12.9min walk to Toa Payoh

    12.9min to TOA PAYOH MRT STATION Exit A (straight-line x1.35 detour @80m/min), 18 bus stops <=400m

  • Lease Runway

    15%
    computed
    0.0/5

    ~43yr left

    ~43yr remaining (99yr grant); block universe med ~66yr; CPF/loan limits tighten as runway shrinks

  • Flat Mix

    5%
    partial
    2.5/5

    0% 4RM+, avg 67sqm

    share of 4-room-and-larger resales (family stock holds demand) — proxy

  • Sentiment Signal

    10%
    manual · awaiting data
    3.0/5

    Awaiting data — neutral placeholder. manual aggregated overlay (Tier3 fragile layer)

Strongest: Price vs Town Peers · Weakest: Lease Runway. Each category is scored 0–5 against public anchors, multiplied by its weight and scaled to 100.

Key facts

Median resale psf
$510 psf
Resales (36 mo)
5
Town
Toa Payoh
Remaining lease
~43yr
Avg flat size
67 sqm
Nearest MRT
Toa Payoh · 12.9 min walk
Data through
Apr 2026

Data coverage

88%

88% of this rating’s weight is measured from data. The rest is a clearly-labelled placeholder or estimate — never silently blended in.

computed
— fully measured from source data (full coverage credit)
partial
— real but proxy signal (half credit)
inferred
— estimate, dampened toward neutral (no credit)
manual
— neutral 3.0 placeholder awaiting data (no credit)

Map

Price history

median $psf by month

Median resale $psf per month for this single block, from HDB resale registrations. A block trades thinly, so the series is sparse — the line breaks across months with no recorded resale rather than bridging the gap.

  • median resale $psf
  • transactions / month
  • trend extrapolation — not a forecast