How much can you get in Proximity Housing Grants for living with or near family?

📌 Quick Answer 

The Proximity Housing Grant (PHG) gives eligible families $30,000 when living with their parents or children, or $20,000 when living within 4km of them. Eligible singles receive $15,000 or $10,000 respectively. PHG has no income ceiling and is not limited to first-time HDB buyers, but it can only be received once. It may also be combined with other CPF housing grants if you meet the conditions for each grant. 

For many buyers, living near family can make childcare, caregiving, and everyday visits much easier. And, if you are buying a resale flat, the Proximity Housing Grant (PHG) may also help with the cost. If you are already considering a resale flat near your parents, the PHG could make an impact, opening up more flats within your budget. However, it is worth understanding the exact arrangement and what you qualify for before adding the grant to your calculations. 

The grant amount you receive will depend on whether you are purchasing the flat as a family or a single person, and whether you will live with your parents or children in the same flat or in a separate home within 4km. Here is how the two arrangements compare. 

How living with or near family changes your grant 

Unlike income-assessed housing grants, the amount you receive is not based on how much your household earns. 

If you will share the resale flat with your parents or children, the higher grant amount applies: 

•  Families: $30,000 

•  Singles: $15,000 

If you will live in a separate home within 4km of them, the grant amount is: 

•  Families: $20,000 

•  Singles: $10,000 

PHG has no income ceiling and is not limited to first-timers, although you can receive the grant only once. PHG is a CPF housing grant used towards the flat purchase; it is not paid into your bank account as cash. 

The difference between the two arrangements is $10,000 for families and $5,000 for singles. That extra support may help with the purchase, but it should not be the main reason to share a home. Consider whether the arrangement gives everyone enough space and privacy and whether it will continue to suit your family after you move in. 

If you’re a single Singapore Citizen aged 35 or older buying on your own, you may want to live close enough to help an ageing parent with appointments, errands, or the occasional meal, while still having a home of your own. If the two flats are within 4km, you may receive the $10,000 singles grant, subject to the PHG conditions. If you decide to share the resale flat with your parent instead, the grant may increase to $15,000. 

Perhaps you’re a newly married couple who want your future children to grow up seeing their grandparents regularly, while maintaining separate homes. You may receive $20,000 if you buy within 4km of your parents’ home. If your parents will live with you in the resale flat, the family grant increases to $30,000. Eligible households may qualify even if they have received housing subsidies before, and you must still meet the conditions for their household arrangement, family relationship, and resale-flat purchase. 

What HDB needs to see on your application 

If you are applying to live with your parents or children, they must be included under the appropriate household arrangement as co-applicants or essential occupiers. If you are applying to live nearby, HDB will verify the qualifying relationship and residential address. 

If a qualifying family member plans to move or someone included in the household arrangement may be removed as an occupier, check with HDB before making the change. As of August 2026, HDB states that the conditions must be met for the Minimum Occupancy Period of the specific flat purchased. The outcome may depend on the circumstances and the conditions attached to your application. 

Is the grant worth planning around? 

The PHG can support buyers who already want to live with or near their parents or children. Before narrowing your search to the qualifying area, compare the prices of suitable flats, travelling time, space, privacy, caregiving needs, remaining lease, and renovation costs. An extra grant amount may not automatically make a particular flat better value. 

Apply for your HFE letter, confirm which grants you qualify for, and use HDB’s distance checker before building PHG into your budget. The best outcome is a home and family arrangement that continues to work long after the purchase is complete.