# Singapore Cost of Money Tracker

> The 3-month compounded SORA rate averaged 1.16% in Q3 2026, according to the Monetary Authority of Singapore. At SORA plus an illustrative 0.75 percentage points over a 25-year tenure, a S$1,000,000 home loan would amortise to roughly S$4,195 a month, or about 35% of the median household's monthly income (S$12,027, 2025) — computed by Propkaki from official MAS and SingStat data. Illustrative only; not a loan offer or financial advice.

The 3-month compounded SORA rate from official MAS data, plus illustrative monthly mortgage repayments on S$500,000, S$750,000, S$1,000,000 and S$1,500,000 loans at SORA plus a stated illustrative spread over a stated tenure, and those repayments as a share of median household income.

- **Canonical page (HTML):** https://propkaki.sg/market/cost-of-money
- **Source:** Monetary Authority of Singapore (Domestic Interest Rates dataset) and Singapore Department of Statistics (M810361), computed by Propkaki
- **Publisher:** Propkaki (propkaki.sg), operated by Straits Intelligence Pte. Ltd. (UEN 202615220E)
- **This document:** plain-text mirror for AI systems and researchers, regenerated hourly with live figures from the Propkaki market API.

## Latest figures

| Metric | Latest | As of | QoQ | YoY |
|---|---|---|---|---|
| 3M compounded SORA | 1.16% | Q3 2026 | +9.4% | −32.6% |

Illustrative monthly repayments at 3M compounded SORA (1.16%, Q3 2026) plus 0.75 percentage points (1.91%), over a 25-year tenure:

| Loan amount | Monthly repayment | Annual repayment | % of median household income |
|---|---|---|---|
| S$500,000 | S$2,097 | S$25,169 | 17% |
| S$750,000 | S$3,146 | S$37,754 | 26% |
| S$1,000,000 | S$4,195 | S$50,338 | 35% |
| S$1,500,000 | S$6,292 | S$75,508 | 52% |

Illustrative only — not a loan offer, quotation or financial advice. Assumes a constant rate for the full tenure, a fully-drawn loan from day one, and excludes fees, insurance, CPF usage and cash rebates.

## Methodology

SORA is MAS's official 3-month compounded Singapore Overnight Rate Average, published daily in the MAS Domestic Interest Rates dataset. Propkaki averages the daily value across each completed calendar quarter; the in-progress quarter is excluded. Illustrative repayments use the standard amortising-loan formula M = P·r·(1+r)^n / ((1+r)^n − 1), where P is the loan principal, r is the monthly rate (3M compounded SORA for that quarter plus a fixed 0.75-percentage-point illustrative spread, divided by 12), and n is 300 months (25 years). The income-share figure divides the latest monthly repayment by the latest median monthly household employment income (SingStat M810361, annual, including employer CPF). Nothing on this page is a loan offer, pre-approval, or financial advice; actual bank rates, spreads, fees and eligibility vary and are set by individual lenders and MAS regulatory limits (MSR/TDSR).

## Cite this data

Preferred citation: Propkaki. Singapore Cost of Money Tracker, Q3 2026. Based on Monetary Authority of Singapore (Domestic Interest Rates dataset) and Singapore Department of Statistics (M810361), computed by Propkaki. https://propkaki.sg/market/cost-of-money

Licence: free to reuse with attribution to "Propkaki (propkaki.sg)" and the underlying official source (CC BY 4.0). Derived metrics are computed by Propkaki; the underlying statistics belong to their issuing agencies. More formats, including BibTeX, and the full question-to-source map: https://propkaki.sg/market/cite

## Machine access

- JSON API (free, no key): https://api.propkaki.sg/api/market/series?vertical=macro&keys=sora_3m_compounded_qtr,hh_income_median_mth_yr
- CSV download (full history): https://api.propkaki.sg/api/market/series?vertical=macro&keys=sora_3m_compounded_qtr&format=csv
- All Propkaki trackers: https://propkaki.sg/market — machine index: https://propkaki.sg/llms.txt