A million flats spread across 24 towns house over 80% of Singapore residents. For us who call our HDB flats home, we pay service and conservancy charges (S&CC) every month.
To make sure that you know everything you need to know about S&CC, 99.co has prepared a comprehensive guide so you won’t miss a thing!
Table of contents
Service & Conservancy Charges (S&CC): What is it?
Service & Conservancy Charges (S&CC) is the cost of keeping our neighbourhood estates spick and span, much like how condo residents have a mandatory monthly maintenance fee.
So, we know money is going out of our pockets. But where is it going, and what does it cover?
You pay the S&CC to your local Town Council, which then goes towards general up-keeping works, such as:
- Provision of essential maintenance and repairs of lifts, water pumps, switchrooms, lightings, and lift rescue services
- Conservancy works such as fumigation and refuse collection
- Cleaning works such as the sweeping and washing of common areas
- Landscaping and horticultural works
- Preventive and cyclical maintenance works, including repainting and re-roofing
- Replacement of water pipes and automatic refuse chute-flushing systems
26% of S&CC funds are allocated to the town council’s Sinking Fund, which covers big projects such as repainting HDB blocks or maintaining the block’s facade.
On top of this, a minimum of 14% of the S&CC goes to the Lift Enhancement Programme, a dedicated lift replacement fund to improve lift performance and reliability.
S&CC isn’t paid by just HDB residents. Various sites located within the estate are subject to the charges, including childcare centres, the neighbourhood police or civil defence post, market centre, food stalls, shops and offices.
How much will it cost? Different towns, different charges
If you compare your S&CC bill with friends living in different parts of Singapore, you’ll notice that it may vary slightly.
So how much S&CC do you pay each month? The main factors influencing the difference in pricing are your:
- Estate (which town council you belong to)
- Flat type
- Eligibility
For eligibility, there are two different S&CC rates: The normal rate and the reduced or subsidised rate.
Normal S&CC rates apply if:
- None of the owners, tenants or essential occupiers is Singaporean
- Any authorised occupier of the HDB flat owns private residential or commercial property
- A body corporate owns or rents the HDB unit
- The flat is vacant
S&CC Normal Rates 2025
| Town Council | 1-room | 2-room | 3-room | 4-room | 5-room | Executive |
| Aljunied-Hougang | S$60.40 | S$64.00 | S$73.00 | S$86.90 | S$100.70 | S$119.00 |
| Ang Mo Kio | S$61.10 | S$64.90 | S$75.10 | S$81.20 | S$96.90 | S$114.00 |
| Bishan-Toa Payoh | S$64.30 | S$68.20 | S$75.00 | S$82.80 | S$90.00 | S$124.90 |
| Choa Chu Kang | S$64.30 | S$67.10 | S$76.70 | S$85.70 | S$94.60 | S$117.40 |
| East Coast | S$59.50 | S$62.00 | S$70.50 | S$81.50 | S$91.50 | S$118.00 |
| Holland-Bukit Panjang | S$56.20 | S$59.70 | S$68.50 | S$80.10 | S$89.80 | S$114.10 |
| Jalan Besar | S$62.00 | S$65.00 | S$75.00 | S$84.00 | S$98.00 | S$115.00 |
| Jurong-Clementi | S$67.00 | S$73.50 | S$83.00 | S$89.50 | S$101.50 | S$116.00 |
| Marine Parade | S$65.50 | S$69.30 | S$76.80 | S$84.60 | S$100.40 | S$116.90 |
| Marsiling-Yew Tee | S$63.30 | S$65.50 | S$76.80 | S$82.40 | S$96.90 | S$117.50 |
| Nee Soon | S$63.80 | S$67.10 | S$79.60 | S$85.20 | S$98.10 | S$117.50 |
| Pasir Ris-Punggol | S$61.00 | S$66.50 | S$78.40 | S$89.50 | S$101.40 | S$112.80 |
| Sembawang | S$64.00 | S$67.00 | S$79.50 | S$85.00 | S$98.00 | S$117.50 |
| Sengkang | S$55.50 | S$60.50 | S$70.00 | S$80.50 | S$89.00 | S$99.00 |
| Tampines | S$63.80 | S$68.20 | S$76.90 | S$84.70 | S$98.60 | S$116.40 |
| Tanjong Pagar | S$60.10 | S$62.30 Dawson: S$112.90 | S$69.40 Dawson: S$117.60 | S$81.70 Dawson: S$127.10 Pinnacle@Duxton: S$132.10 | S$91.20 Dawson: S$132.20 Pinnacle@Duxton: S$152.70 | S$123.60 |
| West Coast | S$60.20 | S$61.90 | S$71.20 | S$80.70 | S$96.90 | S$115.20 |
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To qualify for reduced/subsidised rates, at least one owner, tenant or essential occupier needs to be Singaporean, and none can own any private residential or commercial property. So if you own another property, you’ll have to pay the regular S&CC rates.
S&CC Reduced/Subsidised Rates 2025
| Town Council | 1-room | 2-room | 3-room | 4-room | 5-room | Executive |
| Aljunied-Hougang | S$22.40 | S$34.00 | S$53.00 | S$71.40 | S$91.20 | – |
| Ang Mo Kio | S$23.10 | S$34.10 | S$53.20 | S$70.60 | S$89.00 | – |
| Bishan-Toa Payoh | S$24.20 | S$36.90 | S$53.80 | S$71.60 | – | – |
| Choa Chu Kang | S$22.50 | S$34.10 | S$52.60 | S$71.10 | S$90.50 | S$113.30 |
| East Coast | S$22.50 | S$33.50 | S$52.00 | S$71.50 | – | – |
| Holland-Bukit Panjang | S$22.50 | S$33.50 | S$51.50 | S$71.10 | S$89.80 | – |
| Jalan Besar | S$22.70 | S$32.70 | S$51.20 | S$70.00 | S$89.00 | – |
| Jurong-Clementi | S$21.50 | S$32.50 | S$53.50 | S$71.00 | S$90.00 | – |
| Marine Parade | S$22.50 | S$33.60 | S$52.10 | S$70.00 | S$91.80 | – |
| Marsiling-Yew Tee | S$22.50 | S$34.10 | S$51.60 | S$69.50 | S$89.50 | – |
| Nee Soon | S$22.00 | S$31.90 | S$51.00 | S$70.60 | S$90.10 | S$115.20 |
| Pasir Ris-Punggol | S$22.50 | S$33.50 | S$49.80 | S$69.40 | S$88.90 | – |
| Sembawang | S$22.00 | S$32.00 | S$51.00 | S$70.50 | S$90.00 | S$115.00 |
| Sengkang | S$20.50 | S$30.50 | S$44.50 | S$62.00 | S$78.00 | – |
| Tampines | S$22.70 | S$34.20 | S$52.10 | S$71.30 | S$90.70 | – |
| Tanjong Pagar | S$23.10 | S$33.50 Dawson: S$83.60 | S$50.40 Dawson: S$98.50 | S$71.60 Dawson: S$117.00 Pinnacle@Duxton: S$122.00 | – | – |
| West Coast | S$23.10 | S$33.00 | S$51.60 | S$70.60 | S$90.10 | – |
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S&CC rebates 2025: How do I qualify?
Introduced in the Singapore Budget 2022, the S&CC rebate has been made a permanent fixture of the GST Voucher (GSTV) scheme. The scheme aims to help defray the GST expenses of lower- to middle-income households.
Eligible Singaporean households living in HDB flats will receive GSTV – S&CC Rebates to offset between 1.5 and 3.5 months of S&CC. While there’s been a series of S&CC rate hikes over the past few years, the government’s rebates in each year’s Budget help blunt the costs.
Announced in Budget 2024, eligible HDB households will receive a one-off 0.5-month S&CC Rebate in January 2025. In total, eligible HDB households will receive up to 4 months of S&CC rebates in the Financial Year 2024.
| Flat type | Apr 2024^ | Jul 2024^ | Oct 2024^ | Jan 2025^ | Total |
| 1- and 2-room | 1 | 1 | 1 | 0.5 + 0.5 | 4 |
| 3- and 4-room | 1 | 0.5 | 0.5 | 0.5 + 0.5 | 3 |
| 5-room | 0.5 | 0.5 | 0.5 | 0.5 + 0.5 | 2.5 |
| Executive/Mult-gen | 0.5 | 0.5 | 0.5 | + 0.5 | 2 |
Note: The number of months of S&CC Rebate in January 2025 includes the B2024 COL S&CC Rebate.
As a flat owner or essential occupier, you’ll need to meet the following conditions to be eligible for the 2024 S&CC rebates:
- Have at least one Singapore Citizen flat owner or occupier in the flat
- Do not own or have any interest in private property
- Have not rented out the whole flat
For GSTV – S&CC Rebate eligibility matters, residents can send in their enquiry by logging into My HDBPage via HDB InfoWEB with their Singpass and following these steps: My Flat > Purchased Flat/Rental Flat > S&CC Rebate > Feedback.
How do I check my HDB S&CC?
Residents can check their monthly amount payable via AXS or SAM machine after the 7th of the month. Alternatively, they can call or email their respective town councils for more information.
How do I pay my S&CC?
Your S&CC is due on the 1st of every month, with no invoices for residential units. If no payment is received by a certain date set by your town council, you’ll receive a reminder, so there are no excuses for late payment.
For instance, if you’re under the Tampines Town Council, they’ll send you a reminder if payment isn’t received by the 10th.
Meanwhile, the Jalan Besar Town Council will send a reminder and impose a late fee if payment is not received by the 10th of the following month.
There are many ways to make payments.
- Cheque (mailed to your town council)
- Cash or NETS at any HDB branch office
- Cash, NETS or credit card at your town council
- AXS or SAM machines
- Post office counter
- Internet banking
- Credit card direct debit service (VISA and Mastercard only)
- Inter-bank GIRO
What are the penalties for late payment?
If you fail to stay on top of your S&CC, there’ll be a late payment penalty fee ranging from S$1 to 2% per month of outstanding S&CC for residential units and 5% for commercial units.
You’ll also be unable to book common facilities (such as void decks) for events, except on compassionate grounds like funeral wakes.
But if you miss a payment, don’t fret – most town councils grant a one-month grace period to pay your S&CC and avoid the late penalty fee.
Keep failing to make payments? You’ll receive a written demand with a period of 14 days to pay the charges. If you still refuse to pay, you stand to be arrested and slapped with a fine not exceeding S$1,000.
Your Town Council may even bring the case to the Small Claims Tribunal and apply for a writ of seizure to sell your items to recover costs.
If you have trouble making your S&CC payments on time, give your local town council or resident MP a call to find out what options there are for you.
Any other questions about HDB Service and Conservancy Charges? Let us know in the comments below.
If you found this article useful, 99.co recommends What’s allowed in your HDB riser, corridor and common areas? and Tackling ceiling leaks and water seepage in your HDB.
About Ananda Bayu
Ananda has been wrangling Singapore's complex real estate trends into readable bites since 2020. She writes like she's explaining it to a friend over kopi — because who has time for jargon? When off the clock, she’s probably doom-scrolling through cat memes on X, convincing herself it's the highest tier of "creative inspiration".
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