For many Singaporeans, living near the city centre offers a lifestyle of unmatched convenience — quick commutes, abundant dining options, and proximity to popular destinations like Orchard Road and the CBD. But as property prices continue to climb, the idea of owning a centrally located home often feels out of reach. Fortunately, there are still a few gems left: four-room HDB flats near the city that can be yours for under $520,000.

These units combine accessibility with value, offering a rare balance between affordability and urban living. Whether you’re a young family, a couple looking to upgrade, or simply someone who wants to stay connected to the heart of Singapore, here are five central flats worth considering in 2026.

131 Ang Mo Kio Avenue 3 – $495,000 Tucked away in a peaceful corner of Ang Mo Kio, this flat is conveniently positioned between Mayflower MRT and Ang Mo Kio MRT, both under a 15-minute walk. It’s close to Ang Mo Kio Hub, as well as the lively wet markets at Mayflower, Kebun Baru, and Ave 6. Outdoor lovers will enjoy quick access to Bishan–Ang Mo Kio Park and Town Garden West, while families will appreciate being within 1km of CHIJ St. Nicholas Girls’ School.

Inside, the unit enjoys excellent privacy, sharing its lift lobby with just one household. The well-thought-out layout makes full use of its 1,054 sq ft, with bright natural light streaming through the living area and kitchen. The utility space behind the kitchen adds flexibility — perfect as a small study or storage room.

102 Henderson Crescent – $500,000 For those craving a true city-fringe lifestyle, this flat in Bukit Merah delivers. Located between Redhill and Tiong Bahru MRT, both next to shopping malls, it offers easy access to Redhill Market, Beo Crescent, and the scenic park connector leading to the Singapore River.

Set at the end of a corridor, this home enjoys privacy and a practical, regular-shaped layout across 861 sq ft. Its full-height windows flood the living room with sunlight — a rare perk in older flats. The extended kitchen provides space for both wet and dry cooking areas, while the three bedrooms are well-proportioned for family use.

214 Lorong 8 Toa Payoh – $500,000 Located within walking distance of Braddell MRT and Jackson Square, this flat is ideal for those who value convenience. The surrounding area is filled with everyday essentials — food centres at Kim Keat Palm, Bishan Green, and Lorong 4 Toa Payoh are all nearby. Pei Chun Public School also falls within the 1km radius, adding to the unit’s family appeal.

This 883 sq ft corner flat enjoys privacy with just one neighbouring unit. Its simple design features airy interiors and a connected living and kitchen area that maximises space. Minimal built-ins make it easy for new owners to renovate, while the original terrazzo flooring helps maintain a cool indoor temperature.

83 Whampoa Drive – $500,000 Just 15 minutes from Boon Keng MRT, this Whampoa flat places you right next to Whampoa Food Centre, with Bendemeer Market within a short stroll. The block links directly to the park connector network, offering scenic access to Kallang Riverside Park — a bonus for cyclists and joggers.

This 980 sq ft unit sits in a point block with only four homes per floor, providing a sense of exclusivity. Positioned above the tree line, it enjoys natural light and breezy views. The extended living space even includes a Space Adding Item that functions like an indoor balcony. Its practical layout positions the bathroom and WC along the hallway for easy access — a smart detail uncommon in older designs.

204 Toa Payoh North – $520,000 Just five minutes from Braddell MRT, this flat offers one of the best combinations of price and convenience in central Singapore. It’s surrounded by amenities such as Jackson Square and several nearby markets, while also being within 1km of Pei Chun Public School.

This 936 sq ft corner unit enjoys a tranquil setting with only one neighbour. The utility room behind the kitchen provides flexibility as an extra bedroom, study, or storage area. Spacious living and dining areas flow naturally, while the kitchen opens onto a service balcony that can be enclosed if desired. The home’s terrazzo flooring not only gives a timeless appeal but also helps keep it cool year-round.

These five listings prove that affordable city-fringe living isn’t a thing of the past — you just have to know where to look. With prices still under $520,000, these four-room flats offer an excellent opportunity for homeowners who value both accessibility and long-term investment potential. As newer developments continue to push prices higher, these remaining central options may not stay on the market for long.