Proximity Housing Grant (PHG) 2026

By the HDB Calculator Team · Last reviewed 20 August 2026 · How we verify

What is the Proximity Housing Grant?

The Proximity Housing Grant (PHG) is a cash-free CPF subsidy for buyers of resale flats who live with, or close to, their parents or married children. A family receives $30,000 for moving in together and $20,000 for buying within 4km. Singles receive half of each amount. It exists to keep families within reach of each other, so the qualifying test is about distance, not income.

That last point is what makes the PHG unusual. The Enhanced CPF Housing Grant and the CPF Housing Grant both cut off at an income ceiling and both require first-timer status. The PHG does neither. A second-timer couple well above every other grant's income ceiling can still collect it, provided they buy a resale flat near family.

Proximity Housing Grant amounts in 2026

The grant depends on two things only: whether you are buying as a family or as a single, and whether you move in with your family or merely near them.

Grant amounts and the distance threshold: CPF Board. See the sources block at the foot of this page for the exact source and verification date of each figure.

The gap between the two rows is $10,000 for a family and $5,000 for a single — the price HDB puts on actually sharing a roof rather than a neighbourhood.

How the 4km rule is measured

HDB's published condition is that your parents or married child must live in an HDB flat or private residential property within 4km of the resale flat you are buying. HDB performs the measurement itself when it assesses your HFE letter application, and its answer is the one that counts.

We cannot tell you which distance metric HDB uses. Third-party guides state it confidently in both directions — some say a straight line, others the shortest road route — and this page asserted "straight-line" until 20 August 2026 without a primary source behind it. HDB does not state the method on any page we can read. If your flat is near the boundary the difference is $20,000 for a family, so ask HDB rather than trusting anyone's map, this site included.

The distance is assessed against the address on your flat application, and both households must continue to live at the qualifying addresses. If your parents move away later, that does not claw the grant back, but a household that never actually occupies the flat is a different matter — see the occupation condition below.

Who qualifies for the Proximity Housing Grant

The PHG has fewer conditions than any other grant on this site, but the ones it has are strict:

• You are buying a resale flat on the open market. New flats bought from HDB are not eligible.
• At least one applicant is a Singapore Citizen.
• The parents or married child you are living with or near are Singapore Citizens or Permanent Residents.
• You and your family will actually occupy the respective flats — the grant is for living near each other, not for owning near each other.
• You have not previously received a Proximity Housing Grant. It is a once-per-household grant.
• You meet the Minimum Occupation Period that applies to the flat once you have bought it.

Notably absent from that list: any income test, and any first-timer requirement.

A worked example: the $20,000 decision

Consider a first-timer Singapore Citizen couple earning $4,000 a month, choosing between two 4-room resale flats at the same price. One is 3km from her parents; the other is 6km away.

This is a worked example computed on this site from the figures in the sources block below. It is not an official HDB table, and it is not a quotation of your entitlement — HDB confirms that in your HFE letter.

Same flat, same price, same income, $20,000 apart. Because the grant is a fixed amount rather than a percentage, it is worth proportionally more on a cheaper flat: $20,000 on a $450,000 flat is a larger share of the purchase than the same grant on a $700,000 one.

Had the couple moved in with her parents rather than nearby, the PHG would have been $30,000, taking the total to $205,000.

How the PHG stacks with the other grants

The Proximity Housing Grant is the top layer of the resale grant stack. It is added after the EHG and the CPF Housing Grant, and it is the smallest of the three — but it is also the only one that survives a high income.

Grant maximums and income ceilings: CPF Board and HDB. See the sources block at the foot of this page for the exact source and verification date of each figure.

Stacked at their maximums, the three come to $230,000. If your income puts the first two out of reach, the PHG is what is left — and $30,000 off a resale flat is still worth arranging your search radius around.

How the grant is paid

Like every CPF housing grant, the PHG is credited to your CPF Ordinary Account and applied against the purchase price. It is not cash, and it is returned to your CPF Ordinary Account with accrued interest when you sell the flat.

One consequence buyers miss: because it is a housing grant, taking the PHG makes you a subsidised buyer, which is what triggers a resale levy on a future subsidised flat. For most households the grant is worth far more than the levy it triggers, but it is a trade to make deliberately rather than by accident.

How to apply

There is no separate PHG application. It is assessed with your flat purchase:

1. Apply for an HDB Flat Eligibility (HFE) letter before you look seriously at flats.
2. Identify the qualifying address — your parents' or married child's home — and note the distance to any flat you are considering, remembering that HDB's own measurement is the one that decides it.
3. Secure an Option to Purchase on the resale flat and submit the resale application, declaring the proximity claim.
4. The grant is credited to your CPF Ordinary Account at completion.

Our CPF grant calculator will tell you which of the three resale grants you are likely to receive and roughly how much. Your HFE letter is the assessment that counts.

Frequently asked questions

How much is the Proximity Housing Grant in 2026?

A family receives $30,000 for moving in with parents or a married child, or $20,000 for buying a resale flat within 4km of them. A single buyer receives half: $15,000 living together, or $10,000 within 4km.

How is the 4km distance measured?

HDB's condition is that your parents or married child live within 4km of the flat you are buying, and HDB performs the measurement when it assesses your HFE letter application. HDB does not publish the distance metric on any page we can read, so if your flat is near the boundary, ask HDB rather than relying on a third-party map.

Can I get the Proximity Housing Grant on a BTO flat?

No. The Proximity Housing Grant applies to resale flats bought on the open market only. If you are buying a new flat directly from HDB you can still receive the Enhanced CPF Housing Grant, but not the Proximity Housing Grant.

Is the Proximity Housing Grant income-tested?

No. Unlike the Enhanced CPF Housing Grant and the CPF Housing Grant, the Proximity Housing Grant has no income ceiling. It is the one grant a higher-earning household can still receive.

Can second-timers claim the Proximity Housing Grant?

Yes. The Proximity Housing Grant is open to second-timer households as well as first-timers, which makes it the grant most often missed by buyers who assume every subsidy is first-timer only.

Related pages

• Every HDB grant amount in 2026 — all four grants, every ceiling, in one table.
• Enhanced CPF Housing Grant 2026 — the largest grant in the resale stack.
• HDB grants for singles 2026 — the singles rates for this grant and the other two.
• Step-Up CPF Housing Grant 2026 — the other grant a second-timer can still claim.