You visit a friend’s new BTO flat, and they tell you their renovation costs $40,000. A week later, another friend shows off their swanky new condo, casually mentioning their renovation came in at a whopping $100,000. Both homes look nice, but what exactly did that extra $60K go into? Is it all just expensive fittings and branded furniture, or are there deeper upgrades you might not spot right away?
Whether you’re renovating a resale HDB, a brand-new condo, or a landed property in Singapore, price differences in home renovation can be pretty significant. What justifies the wide gap? Let’s break down the differences between a $40K and $100K renovation and what that really means in terms of materials, design, functionality, and overall value.
1. Scope of work: Basic vs extensive transformations
At the $40K mark, your renovation typically covers the essentials, like basic carpentry, simple flooring, a standard kitchen and bathroom upgrade, and a fresh coat of paint. This is often ideal for new BTOs where the existing condition of the flat doesn’t require a major overhaul. Think built-in wardrobes, functional kitchen cabinets, and vinyl flooring, which are practical and efficient without too much flair.
At $100K, the scope transforms dramatically. You’re not just refurbishing but reimagining your space. This price point may involve tearing down walls, repositioning plumbing or electrical works, full smart home integration, and premium finishes like marble countertops, herringbone timber floors, or designer lighting. You’re not just getting a new look; you’re investing in custom living tailored to your lifestyle.
2. Material quality: Budget-friendly vs premium finishes
Renovation cost is heavily influenced by the materials used. A $40K renovation will often feature more affordable but still durable materials such as laminate for cabinets, standard-grade tiles, and quartz countertops. These materials are popular in Singapore for their cost-effectiveness and are ideal for homeowners focused on long-term practicality over luxury.
In contrast, a $100K renovation allows for higher-end choices: solid wood carpentry, sintered stone or natural marble countertops, designer tiles from Europe or Japan, and top-tier appliances from brands like Bosch or Miele. These don’t just elevate aesthetics but add value to the home and typically last longer, reducing the need for future upgrades.
3. Interior design and customisation
With a $40K budget, you’ll usually be working with standard design templates. Interior designers can still help personalise your space, but customisation is kept to a minimum to stay within cost limits. You may get a feature wall or a touch of cove lighting, but design elements are practical and fuss-free.
At $100K, design takes centre stage. Interior design services in Singapore at this level often include mood boards, space planning, 3D renders, and detailed customisation for every part of the home. Whether it’s a hidden kitchen door, curved fluted panels, or built-in alcoves with ambient lighting, the space is made truly one-of-a-kind.
4. Layout changes and structural work
One of the biggest drivers of renovation costs is structural change. A $40K renovation is unlikely to cover hacking walls or relocating plumbing, as these changes can be complex, require HDB approval (for flats), and significantly add to both time and cost.
With $100K, you’re entering territory where you can explore major layout revamps: creating open-concept kitchens or even adding walk-in wardrobes. For landed homes, this may also include staircase redesigns or reconfiguring entire floor plans. These changes improve flow, lighting, and how your home feels day-to-day.
5. Appliances and smart home upgrades
For many homeowners in Singapore, appliances are a major consideration. With a $40K renovation, you might allocate the budget to reliable mid-range options, which are efficient and sleek but generally off-the-shelf items.
A $100K budget allows for top-of-the-line built-in appliances and seamless integration of smart technology: think voice-controlled lighting, centralised home security systems, and motion-sensor ambient lighting. Not only does this add a modern edge, but it also boosts energy efficiency and future-proofs the home.
6. Project management and aftercare
While both budget ranges can offer professional support, a higher budget usually translates to a more comprehensive experience. This means less time worrying about coordinating multiple vendors or suppliers, as your interior designer or contractor takes care of it all.
Premium renovation packages may also come with longer warranties, more regular updates, and better post-renovation support. Aftercare matters, especially when it comes to wear and tear or defects that appear over time. These services help protect your investment and offer peace of mind.
Making the most of your budget
Ultimately, whether you’re spending $40K or $100K, the value lies in how well the renovation suits your needs, lifestyle, and long-term plans. A modest $40K upgrade can be stylish, warm, and efficient if well-planned, especially for young couples or first-time homeowners. A $100K investment, meanwhile, offers the opportunity to create a lasting sanctuary that reflects your personality and elevates everyday living.
Understanding the trade-offs in each price range and setting realistic expectations can help you make better decisions. If you’re unsure where to start, platforms like HDB’s renovation portal offer useful guidelines on what’s permitted for flats, while BCA’s directory lets you search for licensed contractors and firms.
But no matter your budget, one of the most important decisions you’ll make is choosing a contractor. A trusted team ensures your renovation stays on schedule, on budget, and delivers the quality you’re expecting. Even at a lower budget, a good contractor can suggest creative ways to stretch every dollar further without compromising on safety or aesthetics.
Let’s build your dream home – within your budget
Whether you’re leaning towards a smart $40K upgrade or envisioning a full-scale $100K transformation, Eight Design is here to guide you at every step. We offer expert interior design services and renovation contractors in Singapore, committed to helping you realise your dream home beautifully, practically, and professionally.
View our portfolio or request a consultation for a custom quote to begin your renovation journey today!