# Singapore Cost of Money Tracker

> Live figures are temporarily unavailable; the methodology and access links below remain accurate.

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 | — | — | — | — |



## 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. 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