Published 5 November 2026. By Cheng Xu, BTO Radar.
Community Care Apartments (CCAs) are HDB public housing flats jointly developed by the Ministry of National Development (MND), the Ministry of Health (MOH) and HDB to integrate senior-friendly housing with on-site social and care services (HDB Seniors Eligibility & CCA Rules). Unlike standard 2-room Flexi flats, CCAs pair a 32 sqm studio layout and communal living spaces on every floor with a mandatory Basic Service Package so seniors can age independently in the community.
Who is eligible for a Community Care Apartment (CCA)?
From the November 2026 BTO exercise, the CCA minimum age is 55, reduced from 65 (HDB age eligibility announcement). According to HDB's published eligibility conditions for seniors (HDB Seniors Eligibility):
| Requirement | Community Care Apartment (CCA) rule | Short-lease 2-room Flexi comparison |
|---|---|---|
| Minimum age | Applicants and any spouse listed must be aged 55 and above | Aged 55 and above |
| Citizenship | At least one Singapore Citizen (SC) applicant; apply alone or under an eligible family nucleus, including eligible SC/SPR spouse or family members; joint singles must be SCs | At least one SC applicant |
| Monthly household income ceiling | $16,000 | $16,000 (short-lease 2-room Flexi) |
| Property ownership | Must not own or have an interest in any local or overseas private residential property, or must dispose of it before or within 6 months of collecting keys (depending on property type); HDB assesses prior housing-subsidy history in the HFE letter | Same disposal rules for private property and existing HDB flat |
| Lease length options | 15 to 45 years in 5-year increments, provided the chosen lease covers the youngest buyer and spouse to at least age 95 (CCAs offered before November 2026 had leases from 15 to 35 years) | 15 to 45 years in 5-year increments (covering to at least age 95) |
| Payment & mortgage | Paid upfront with cash and/or CPF OA (or HDB short-term financing bridge if selling an existing HDB flat); commercial bank loans are not available for short-lease flats | Same upfront cash/CPF payment structure |
Mandatory Basic Service Package and optional care services
Every CCA household subscribes to a mandatory Basic Service Package throughout the lease, which includes:
- 24-hour emergency monitoring and response service and key card access.
- On-site Community Manager who links residents with care providers, coordinates wellness activities and facilitates simple home fixes.
- Basic health checks and communal programming in shared spaces across the block.
- Priority admission to a nearby nursing home should a resident later require full-time institutional care.
Optional care services — such as assistance with activities of daily living, meal delivery, housekeeping and laundry — can be added on a pay-per-use basis as care needs evolve.
Resale and rental restrictions on Community Care Apartments
Because CCAs are subsidised short-lease assisted-living flats:
- No open-market resale: You cannot sell a Community Care Apartment on the open market or sublet the whole flat or bedroom (HDB Seniors Eligibility).
- Returning the flat to HDB: If you no longer need the flat (or upon the passing of the owners), the flat is returned to HDB, which refunds the value of the remaining lease under HDB’s prevailing surrender valuation and terms.
Tracked BTO launches offering Community Care Apartments
BTO Radar tracks CCA availability directly from HDB's launch feed:
- Toa Payoh Hillside (November 2026 BTO launch, Toa Payoh · Prime): Offers 2-room Flexi, 4-room and Community Care Apartment units.
- Upcoming Tampines BTO project (BTO launches hub): Announced by HDB with 2-room Flexi, 3-room, 4-room, 5-room and Community Care Apartment flat types.
Compare senior 2-room Flexi ballot odds across all tracked projects in the BTO project matcher or check your senior priority quota in the BTO priority schemes matcher.
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<a href="https://btoradar.com/guides/community-care-apartments-bto">HDB Community Care Apartments (CCA) BTO guide: eligibility, leases & care package — BTO Radar</a>