{"id":11192,"date":"2017-07-20T10:38:11","date_gmt":"2017-07-20T02:38:11","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=11192"},"modified":"2022-07-01T04:07:46","modified_gmt":"2022-06-30T20:07:46","slug":"rental-income-house-right-now","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/rental-income-house-right-now\/","title":{"rendered":"How much rental income you could make from your home right now"},"content":{"rendered":"
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Have you ever wondered how much rental income you could make from renting out your home (and moving back home with your parents)? Whether you\u2019re just idly curious, or seriously thinking of taking that step, here\u2019s how to make an estimate. Remember it\u2019s not as simple as finding a tenant and then rolling around in cash; there are other costs to consider as well:<\/span><\/p>\n

Step 1: Look up the official Annual Value (AV) of your property<\/b><\/h3>\n

Visit the Inland Revenue Authority of Singapore (IRAS) website, and <\/span>use this page<\/span><\/a>. For $2.50 per enquiry, you can get the official AV of your property.<\/span><\/p>\n

The AV is the estimated rental income you can collect from your property, over one year. So an AV of $30,000 means it\u2019s estimated you can receive $2,500 a month in rental income. Note that the official AV <\/span>is not the set amount you can rent out your property for<\/span><\/i>, and you can hopefully get much more for it (see below).<\/span><\/p>\n

Nonetheless, knowing the official AV is at least an estimate of the rental income you\u2019ll fetch, and you\u2019ll need this number to work out your property tax later.<\/span><\/p>\n

Step 2: Look up surrounding rental rates and work out the median<\/b><\/h3>\n

Head to <\/span>99.co<\/span><\/a>, and type in the street name of your property. From there, look up the rental rates of surrounding properties. <\/span><\/p>\n

Be sure to use the property types that match your own. For example, if you\u2019re thinking of renting out your HDB flat, then look up the rates for flats and not private properties (if you own an Executive Condominium, use non-landed private properties to compare). <\/span><\/p>\n

Look at the rental cost on a <\/span>per square foot basis<\/span><\/i>, rather than the total rental cost. <\/span><\/p>\n

Next, work out the <\/span>median<\/span><\/i>, and <\/span>not the average<\/span><\/i>, rental cost per square foot (the average may not be accurate, as one freakishly high or low price can skew the results). For your convenience, <\/span>here\u2019s a calculator<\/span><\/a>.<\/span><\/p>\n

Your rental rate will be about this amount, plus or minus 10 to 15 per cent. Being able to command a higher rental rate depends on how close the property is to amenities – such as proximity to a train station, bus interchange or a major mall. Likewise, you may have to go under the median if your unit is located further from these. <\/span><\/p>\n

There isn\u2019t an exact science to this; it depends a lot on the persuasive powers of your property agent.<\/span><\/p>\n

Step 3: Work out your new property tax rate, and deduct it from the estimated rental income<\/b><\/h3>\n

The property tax rate for non-owner occupied properties is different. The tax is based on a tiered system. But there\u2019s no need to memorise it or crunch the numbers yourself; you can see the chart (and just use the inbuilt calculator) <\/span>here<\/span><\/a>. <\/span><\/p>\n

Deduct the cost of the tax from your rental income.<\/span><\/p>\n

Step 4: Deduct other probable, but variable costs<\/b><\/h3>\n

In general, it\u2019s better to assume one month of non-occupancy of the unit for every year. On the basis that most tenants sign a one year lease, you may have a brief period of non-occupancy between the time they leave and when the next tenant comes in.<\/span><\/p>\n

You also need to deduct the cost of the property agent\u2019s commission (we\u2019ll give an estimate of one month of rent for a one-year lease), and the maintenance fees. It\u2019s safe to assume you\u2019ll pay the agent\u2019s commission once a year, while they find you a new tenant. <\/span><\/p>\n

Note that utility bills, Internet charges, and any repairs made while the unit is tenanted can be deducted from property tax. <\/span><\/p>\n

Step 6: Calculate the rental yield<\/b><\/h3>\n

You\u2019ll need to know this, to decide if it\u2019s worth renting out your home:<\/span><\/p>\n

(Net annual rental income \/ total cost of property) x 100<\/span><\/p>\n

The net annual rental income is the total amount of rent you collect in a year, <\/span>after <\/span><\/i>paying property taxes, maintenance fees, commissions, and other miscellaneous costs. <\/span><\/p>\n

The total cost of property means you need to include the various extra fees, such as stamp duties, conveyancing fees, renovation costs, and so forth.<\/span><\/p>\n

For example, say your property generates $4,000 a month in rental income. But you pay $4,000 in agent commissions once a year, have one vacancy, and pay $4,728 in property tax. There is a further $420 a month for utilities and maintenance ($5,040 per year).<\/span><\/p>\n

Your net annual rental income, after all that, is $30,232. <\/span><\/p>\n

Say the total cost of your property is $1.4 million, inclusive of all the stamp duties, conveyancing fees, renovations, and so forth. <\/span><\/p>\n

The total rental yield is ($30,232 \/ $1.4 million) x 100 = 2.1 per cent<\/span><\/p>\n

Step 7: Consider what the yield means by comparing it<\/b><\/h3>\n

If your rental yield is 2.1 per cent (as illustrated above), but the home loan interest rate is 1.8 per cent, you can see you\u2019re only coming out ahead by a small margin of 0.3 per cent. Is this a figure you\u2019ll be happy with and a big enough incentivising factor to find alternative accommodation while you rent out your home? <\/span><\/p>\n

Alternatively, if your intention is to purchase an investment property for example, you could work out the rental yield of the second property you\u2019re buying by going through the steps above. You can then decide if it\u2019s more worthwhile to move into the new place and rent out your old one, or vice versa.<\/span><\/p>\n

May the rental yields be ever in your favour!<\/span><\/p>\n

Check out other rental related articles here: Subletting HDB flats: 6 things that will get you in trouble<\/a>, and What types of renovations should landlords do before renting?<\/a><\/span><\/p>\n

Find the rental home of your dreams today at Singapore\u2019s largest property portal 99.co<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Have you ever wondered how much rental income you could make from renting out your home (and moving back home with your parents)? Whether you\u2019re just idly curious, or seriously thinking of taking that step, here\u2019s how to make an estimate. Remember it\u2019s not as simple as finding a tenant and then rolling around in…<\/p>\n","protected":false},"author":21,"featured_media":54815,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[57131,53590],"tags":[54269,54270,54271],"persona":[],"class_list":{"2":"type-post","12":"entry","13":"has-post-thumbnail"},"acf":[],"yoast_head":"\nHow much rental income you could make from your home right now - 99.co<\/title>\n<meta name=\"description\" content=\"Ever wondered how much rental income you could make by renting out your home? 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