In a city as fast-paced and cosmopolitan as Singapore, the question of where and how to live isn’t just about affordability—it’s about lifestyle. As housing options evolve to meet the diverse needs of modern residents, many young professionals, expats, and even locals are weighing the pros and cons between co-living spaces and the ever-reliable traditional HDB flats. So which is better suited to your lifestyle? Let’s dive into the key differences, benefits, and drawbacks of both to help you make a more informed choice.
What is Co-living?
Co-living is a modern housing concept where individuals rent a private room within a fully furnished, shared apartment or building. These spaces typically include communal areas such as kitchens, living rooms, workspaces, and sometimes even gyms or rooftop gardens. Co-living arrangements often come with all-inclusive rent (utilities, Wi-Fi, and housekeeping) and flexible lease terms. In Singapore, companies like Hmlet, Coliwoo, and COVE are leading the co-living trend, targeting millennials, digital nomads, and expats looking for convenience, flexibility, and a sense of community.
What are Traditional HDB Flats?
On the other hand, HDB (Housing & Development Board) flats are the cornerstone of public housing in Singapore, with about 80% of the population living in them. These flats are government-subsidized and are available for purchase or rent. HDB flats vary in size from 2-room units to larger 5-room or executive apartments and are located across the island, often close to MRT stations, hawker centres, and schools.
Comparing Co-living and HDB Flats
Let’s break it down into key factors that matter when choosing your next home:
Affordability & Cost Structure
Co-living: Rent typically ranges from $1,000 to $2,500+ per month, depending on location, room size, and amenities. While this might seem high compared to traditional rentals, it usually includes Wi-Fi, utilities, cleaning services, and even maintenance.
HDB Flats: Renting a room in an HDB flat can cost as low as $500–$900 for a common room and $900–$1,500 for a master bedroom. However, you’ll often have to pay separately for utilities and handle your own cleaning or maintenance.
Verdict: If you’re on a tighter budget, traditional HDB room rentals might offer better value. But if you prefer an all-in-one cost with minimal hassle, co-living wins for convenience.
Flexibility & Lease Terms
Co-living: Most co-living providers offer short-term leases (as little as 3 months), which appeals to people who are in between homes, just moved to Singapore, or prefer not to commit long-term.
HDB Flats: Typically require minimum 6-month leases, and landlords may prefer tenants who commit to at least a year. Ending a lease early can be difficult unless mutually agreed upon.
Verdict: Co-living is ideal for those with short-term plans or who value flexibility. HDB flats are better suited for long-term stability.
Privacy & Space
Co-living: Offers private bedrooms, but common areas are shared with other residents. Some premium options provide en-suite bathrooms, but privacy levels vary.
HDB Flats: Renting an entire HDB flat provides much more privacy, especially for families or couples. Even when renting a room, you might be sharing the flat with only 1–2 others, giving a quieter environment.
Verdict: HDB flats offer more personal space and are better for those who value privacy.
Community & Social Life
Co-living: One of the biggest draws is the built-in community. These spaces often host events, yoga sessions, or communal dinners to foster connections. Great for networking or making friends in a new city.
HDB Flats: There’s generally less built-in social interaction unless you make the effort to connect with neighbours or flatmates.
Verdict: If you’re new to Singapore or crave a more social lifestyle, co-living offers a strong community vibe.
Furnishing & Amenities
Co-living: Rooms are fully furnished, and most properties are stylishly designed with modern, Instagram-worthy interiors. Amenities like laundry rooms, gyms, and co-working spaces are common.
HDB Flats: It depends on the landlord. Some flats come partially or fully furnished, but décor may be outdated or basic. You may also need to buy or bring your own items.
Verdict: Co-living wins hands-down for plug-and-play living and aesthetics.
Suitability for Different Life Stages
Co-living: Best for young professionals, students, digital nomads, or those going through life transitions. Not ideal for families or those wanting long-term roots.
HDB Flats: Perfect for families, couples, or individuals planning to stay in Singapore for the long haul, especially those looking to buy and build equity.
Verdict: Choose based on your life stage. Co-living for flexibility and social living; HDB for stability and long-term plans.
Final Thoughts: Which One Fits Your Lifestyle?
Ultimately, the choice between co-living and a traditional HDB flat depends on what you value most:
| Factor | Co-living | HDB Flat |
|---|---|---|
| Cost | Higher, but all-inclusive | Lower, but more DIY |
| Flexibility | Short leases available | Longer lease required |
| Privacy | Limited | Higher (especially whole unit) |
| Community | Built-in social network | Minimal unless initiated |
| Convenience | High – move-in ready | Depends on landlord/setup |
| Ideal For | Expats, singles, short-term | Families, couples, long-term |
If you’re someone who prioritizes community, aesthetics, and flexibility, co-living might be the perfect modern solution for you. On the other hand, if you’re looking for affordability, privacy, and permanence, a traditional HDB flat still remains the go-to option in Singapore. In a city that values both innovation and tradition, it’s great that Singapore offers both. Now the question is—which lifestyle fits yours?
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