1,487,100 front doors.
Nine in ten resident households own their home, almost all on a 99 year lease paid for from CPF. Yet one in three people living here is on a pass and outside most statistics, and one in three new 55 year olds had not set aside the Basic Retirement Sum.
Come inThe deal at thirty
Turn the dial to a birth year. Singapore does not publish ownership by age or a long mortgage rate, so the cards say what each line is: a price index built from HDB resale prices and household income, a finance company housing loan rate to 2021, and the share of all resident households that own.
Twelve doors. Eight drives.
Eight lives found in every edition, and four that belong here: the dormitory worker and the domestic worker, who live here on passes, the public rental household and the couple waiting for a new flat.
Spin the year.
From year end bonuses and the property tax bill to Lunar New Year, Hari Raya, National Day and the Hungry Ghost month: when money moves, November 2026 to October 2027.
Twelve moves worth making.
Each sized from a published figure. None lends to someone already in difficulty, and none offers credit to migrant or domestic workers. Some are table stakes, already required or widely shipped; the rest go beyond the mandate, and those lead.
Three home truths.
The pulse right now.
Singapore, side by side.
The same measure, on the same definition where one exists, in six rich countries. Singapore is the filled dot. Each line runs from the lowest of the six to the highest, or from zero for shares. Tap a row for the figures and the source.
Honest numbers argue.
Where good sources disagree, we show both and say why.
Sources and method.
All sources
Built 14 November 2026. Every number carries its source and a confidence grade: H high, M medium, L low, U unverified. Lives are overlapping archetypes, not a census. Quotes are from published reporting and link to the original.
© 2026 Ben Yamin. All rights reserved.
Home Truths is an independent analysis for information only. It is not financial, investment or legal advice, and it is not affiliated with or endorsed by any bank, government body or the organisations cited. Source data, map boundaries and quoted words remain the property of their owners and are used under their licences or as attributed quotation.