HOROI

HDB town scorecard · rubric v0.2

Central Area

HDB Town / Resale scorecard

A-
78/100
75% measured

Carried by price trend & momentum (5.0/5); capped by transaction liquidity (1.0/5).

Best for: Upgraders timing an MOP exit in a liquid, momentum town.

Overall78A-

the headline rubric: trend, equity, liquidity, supply, step-up

Value12D

$949 psf — 100th pctile of 26 towns · private next door 1.61x pricier

Investment59C+

20.7% 2yr momentum · 175 txns/12mo · ~57yr median lease left

The rubric

How we rate →

  • Price Trend & Momentum

    25%
    computed
    5.0/5

    20.7% 2yr psf growth ($786->$949)

    2yr town avg-$psf growth; anchor p25=9.8 med=12.3 p75=13.7

  • Upgrader Equity Unlock

    20%
    computed
    5.0/5

    $1,078,749 avg 4RM

    avg 4-room resale price (equity-to-port proxy)

  • Transaction Liquidity

    15%
    computed
    1.0/5

    175 txns / 12mo

    trailing-12mo resale volume; med across towns ~929

  • Future Supply Pressure

    15%
    manual · awaiting data
    3.0/5

    Awaiting data — neutral placeholder. needs HDB BTO/SBF pipeline scrape (DATA_SOURCES Tier1)

  • Step-Up Gap to Private

    15%
    computed
    5.0/5

    1.61x ($1523 islandwide OCR private resale / $949 HDB)

    private/HDB psf multiple; lower=easier step-up

  • Sentiment Signal

    10%
    manual · awaiting data
    3.0/5

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

Strongest: Price Trend & Momentum · Weakest: Transaction Liquidity. Each category is scored 0–5 against public anchors, multiplied by its weight and scaled to 100.

Key facts

Resale transactions (12 mo)
175
Avg resale price
$861,178
Avg resale price psf
$949 psf
Data through
Jun 2026

Data coverage

75%

75% 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)

Price history

median $psf by month

Median resale $psf per month across the town, from HDB resale registrations. Thin bars show monthly transaction counts.

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