Cost of Living in Singapore
本报告对新加坡的生活费用提供了介绍性指导。一般而言，食物、衣服、公共交通、基础教育和公用事业等基本必需品在新加坡的价格相当适中。公共交通和出租车也很实惠。另一方面，住房、私立学校和汽车维修费用可能很高。
住宿费
新加坡的住房成本取决于诸如房产与城市的距离、房产的相对年限、娱乐设施（如游泳池、健身房等）的可用性以及住宿所附带的家具质量等因素。你应该花点时间来决定你想在新加坡住哪里，并且只有在仔细考虑了平均租金成本以及你的个人喜好之后才能做出决定。Condominiums
新加坡的大多数外籍人士居住在私人公寓中，因为这里有娱乐设施，如游泳池、网球场、儿童游乐场、安全通道、与其他外籍人士交往的机会以及与租赁地产相比的经济承受能力。
私人公寓的租金价格可能因建筑物的位置和使用年限而有很大差异。在靠近市中心的黄金地段，包括乌节、布吉提玛、唐林和河谷等地区，一套三居室公寓的租金约为每月7000新元，根据公寓的豪华程度和靠近中央商务区的距离，租金可高达15000新元。高档豪华公寓的租金，如圣淘沙和吉宝湾的海滨住宅，每月可在8300新元至13000新元之间。位于城市边缘地区的三居室公寓起价约4500新元，最高可达7000新元。位于市中心以外的贝多、樟宜、帕西里斯、坦宾斯、昂莫桥、伍德兰、伊顺、克莱门蒂、裕廊和蓬戈尔等社区的公寓价格较低，月租金约为3300-5000新元。
私人套房
新加坡的私人公寓与公寓类似，但通常缺乏公寓中的大部分设施，如大型游泳池、烧烤坑、网球场等。由于大多数新的私人建筑都是以公寓的形式进行的，因此这些公寓也往往是较老的建筑。在CBD地区租一套三居室的私人公寓将要支付5000-7000新元的费用，而在郊区的公寓每月可租4000新元左右。HDB Flats
If you are on a tight budget, living in a government housing flat (called HDB flats) is a very reasonable option; more than 80% of the local Singaporeans live in HDB units. Most HDB flats are within close proximity to basic facilities such as banks, local schools, markets, polyclinics, libraries, shopping malls and train and bus stations. However, these apartments do not come with luxury amenities like swimming pools or gyms. Rental costs for HDB units depend on the location and size of the unit. A 3-bedroom HDB apartment close to the CBD rents at S$3,000 while at other sub-urban locations it ranges from S$2,200 to S$2,700.Landed property
地产包括梯田房、半独立房、独立房和平房。由于新加坡的土地面积相对较小，人口众多，有地房产不再常见，因此租金相当昂贵。黄金地段独立平房的平均租金接近18000新元/月。一间高档豪华平房（即4间卧室、1400平方米的土地和一个大花园）每月的费用高达35000新元。梯田式房屋和半独立式房屋价格较低，每月租金约8000-13000新元。Paying Guest
Rent for a room in a private apartment in prime districts such as East Coast, River Valley and Chinatown costs approximately S$800 – S$1,800. Monthly room rental in an HDB flat can range anywhere between S$500 to S$800 depending upon the location and size of the room.Serviced Apartments
一些外籍人士更喜欢租赁服务式公寓，因为他们提供个性化服务和酒店式设施，或者因为他们打算在新加坡短期停留，并寻求灵活的租赁方式。新加坡的服务式公寓设施齐全，设有游泳池和健身房。大多数服务式公寓都有1-2个卧室以及较大的3-4个卧室。租赁条款灵活，可按天、周或月协商。大量的服务式公寓位于果园地区，而一些位于河谷、东海岸和西海岸地区。一间卧室的月租金从7000新元到14000新元不等，这取决于公寓的位置和豪华程度。
Cost of Food
新加坡的食物相对便宜。然而，和其他地方一样，食物开支取决于你有多奢侈。根据你在新加坡选择的生活方式，在计算你的平均生活成本时，食物费用可以是一个边际因素，也可以是一个重要因素。
居住在新加坡的外籍家庭，如果能尽可能多地自己做饭或在美食广场吃饭，就可以节省食物预算。尽管许多餐厅都提供多种国际美食，以满足不同的预算，但从长远来看，每天外出就餐绝对是一种更为昂贵的选择。
进餐
如果你在家做饭，你的个人平均每月食物费用应该只有大约200新元每人基本的肉类和蔬菜。对于一对外出就餐的夫妇来说，根据他们的饮食选择，每月的平均食品成本可能在1000-1200新元之间。
Eating Out
One of the unique features of living in Singapore is the abundance of hawker centres and food courts that offer a wide variety of dishes. An average daily lunch at a hawker centers can be as low as S$4 whereas at a food court you can have lunch for about S$5 – S$6. A meal at fast food joints such as McDonalds will cost you around S$7, while a drink at Starbucks is around S$6 – S$7. A visit to to an average restaurant can set you back by S$20 – S$40 per person for basic meals. In summary, with breakfast and dinner at home, lunch outside at food courts, plus basic weekend outings, the monthly food budget in Singapore can run around S$600 – S$1,000 for an average budget-conscious couple.
Transportation Costs
Public Transportation
Singapore has one of the best, most comprehensive, and least expensive public transport systems in the world. A one-way average bus or MRT (Mass Rapid Transit) fare is about S$1.60. If you combine bus and MRT transports, it will cost you S$150 a month on the average considering a daily to and fro office commute costing S$3.50 and average weekend cost of about S$10. A couple that travels regularly within Singapore, using MRT or bus, will need to set aside a monthly combined transportation budget of roughly S$300 as part of their Singapore living costs.
出租车调度站
Taxi service in Singapore is one of the most efficient worldwide. Taxi drivers are willing to cover even the shortest of distances. Unlike most western countries, traveling by taxi in Singapore isn’t very expensive.
出租车费起价为3.00新元–第一英里3.40新元，每行驶400米到10公里支付0.22新元，之后每行驶350米支付0.22新元。一些出租车，如梅赛德斯或伦敦出租车起步价较高，约为3.90新元。你可以在路上叫辆出租车或拨打他们的电话（额外2.30-3.30新元）预订服务。在高峰时段（工作日早上6:00–9:30，晚上至周日下午6:00–午夜12:00），您将额外收取约25%的车费，而深夜附加费（从午夜到早上6:00）为计费车费的50%。CBD区域（周一至周六，下午5点至午夜）机场（3-5新元）等都有基于位置的附加费。在某些高峰时段，您可能还需要支付选定高速公路的任何ERP（电子道路定价）费用。
私家车
与廉价的公共交通和出租车服务相比，在新加坡拥有一辆私家车可能是一种相当昂贵的奢侈品，因为政府对这种交通方式征收重税。政府的目标是减少严重的道路拥堵和空气污染。因此，它鼓励生活在新加坡的普通人改用公共交通工具。
在决定在新加坡买车时，您需要考虑初始购买成本和经常性成本。初始购买成本的最大组成部分是权利证书或COE。COE是一个证书，使您有权注册和拥有车辆10年。如果你想在新加坡买车，你必须参加COE竞标活动。这是一种拍卖的排序，你必须出价的证书，以便在预先确定的配额内。大多数情况下，对coe的需求超过了有限的配额。这种不平衡常常导致无法负担的COE成本。截至2011年2月，1600cc以下的车辆COE价格为57009新元，1600cc以上的车辆COE价格为78189新元。除COE外，您还需缴纳关税7%的货物和服务税。注册费为140新元，额外注册费为车辆公开市场价值的100%（新加坡海关评估的车辆价值）和消费税（公开市场价值的20%）。除了最初的购买成本外，还有汽车保险、道路税、汽油（汽车燃料）费、停车费等经常性成本。
Automobile fuel is called petrol (instead of “gas” or “gasoline”) in Singapore. It is measured in liters. A liter of petrol can range from S$2.15 to S$2.52 depending on the grade. Parking your car in the city will cost you from S$2.00 per hour. On the average, you will spend about S$600 a month for petrol, toll charges, and parking, and about S$500 – S$1,000 yearly for maintenance. A brand new Japanese or European model can easily cost upwards of S$150,000.
In the face of such steep prices, many expatriates have opted for car rental arrangements that range from about S$1,000 to S$1,800 a month, depending on the vehicle’s model and mileage. Also, with a fairly recent regulatory amendment, rented vehicles are now permitted to drive into Malaysia on weekends.
Singapore is a very small place with excellent public transportation services (both air-conditioned); therefore, there is absolutely no necessity for owning a car unlike most other countries in the world. However, if your work requires extensive city travel during the day, you might think about buying or renting a car. Owning a private car will add significantly to your average living costs in Singapore.
Cost of Healthcare
The health-care system in Singapore was ranked best in Asia and sixth best in the world by the World Health Organization in 2000. The system is cost effective and offers state-of-the-art medical treatment that boasts of high success rates. The system has stringent government-mandated guidelines for transparency, excellence, safety and cleanliness. However, there is no government mandate for employers to provide health insurance to its employees. As a general practice, health insurance benefits are not provided by majority of the employers in Singapore. If your compensation package includes medical insurance, this is a non-issue for you. Even if your employer does not provide health insurance, the cost of medical services in Singapore is reasonable.
您不需要任何保险来满足您的日常医疗保健需求，为此您可以留出每月100-200新元的预算。一般来说，全科医生的咨询费是40新元，而血液检查和x光检查的费用大约是50-80新元。私人机构的专家咨询通常收费在75新元到125新元之间。请注意，您应该购买涵盖手术和住院的保险。这样的保险加起来每年约为2000-3000新元。住院费用因所选病房类型而异。新加坡的病房从没有空调的开放式病房到类似五星级酒店皇家套房的私人医疗套房，各不相同。因此，病房的每日费用从30新元到3000新元不等。
水电费
Monthly gas, water and electricity bill may range from a low of S$200 to a high of S$600 a month, depending on your air-conditioning usage. Mobile phone subscription costs anywhere between S$35 to S$100 per month. A broadband Internet connection at home will cost you around S$50 per month. For cable TV connection you can estimate about S$28 for the basic channel subscription and S$50 – S$80 for the expanded subscription. You have a wide choice of international channels including familiar channels such as CNN, BBC, Discovery, HBO, Disney, ESPN, and many more. A deposit of S$250 is required of foreigners for obtaining a cable connection. StarHub’s (the cable company) offering for Digital TV has further improved the choices for programs. The company’s Demand TV offers a choice of 10 movies at any given time for a cost of S$4.50 per movie. You need a digital set-up box from StarHub to use this service.
Cost of Education
作为一名在新加坡工作的外籍人士，你可以选择送你的孩子去公立或私立学校。公立学校也被称为地方公立学校，而私立学校也被称为国际学校。新加坡的教育水平很高，两种教育都不能有错。当地学校将遵循教育部批准的课程，而国际学校将遵循国际上更广泛接受的课程，如著名的国际学士学位（IB）高中文凭。新加坡本地学校教育的一个主要优势是非常实惠。相比之下，送一个孩子去国际学校的费用可能在每月1000新元到3000新元之间。
Local Government Schools
小学总共6年。普通中等教育证书O级考试有4年的中学历史，普通中等教育证书N级考试有5年的中学历史。持就业证居住在新加坡的外籍人士的子女可以被当地学校录取。然而，应该指出的是，当地学校有新加坡人和永久居民的子女就读。2012年世界教育基金会（w.e.f.）将您的孩子送到新加坡当地学校的每月费用为：初等教育246新元至356新元，中等教育341新元至486新元，大专教育552新元至772新元。
国际学校
国际、美国、英国、加拿大、荷兰、德国、日本和瑞士是新加坡的一些国际学校。估计的年费从12000新元到30000新元不等。校车费用估计为每年1500-2000新元。
Cost of Childcare Services
There a number of childcare centers in Singapore that provide childcare services for babies and children up-to to the age of seven years. The fees vary from center to center and depends on the packages being offered i.e half-day childcare, full-day childcare, or extended full-day childcare. Typically, half-day childcare (7am to 1pm) costs around S$400-S$1,200 while full-day childcare (7am to 5:30pm) will cost you about S$500-S$1,500.
Cost of Hiring Domestic Help
你可以通过女佣中介在新加坡雇佣一名住家佣人。大多数住家佣人都是由菲律宾、印度尼西亚、缅甸和斯里兰卡等经批准的邻国的女佣机构招聘的。一个住家女佣的月平均费用大约是600-1000新元，包括你的佣人工资和政府税。正如“住进”一词所暗示的那样，你还必须为女佣提供食宿。你可以选择雇佣兼职家庭佣工，每小时10-20新元不等。
税
Singapore boasts of one of the lowest income tax rates in the world. Singapore’s tax system ensures sizable tax savings and is one of the most commonly cited advantages among expats relocating to the country. Singapore follows a territorial basis of taxation which essentially means that only income earned in Singapore is taxed. Income earned overseas is not taxable, barring certain exceptions.Singapore’s personal income tax ratesfor residents (citizens, permanent residents and foreigners who have stayed or worked in Singapore for 183 days or more in the tax year) start at 0% and are capped at 20% while non-residents (foreigners who have stayed or worked in Singapore for less than 183 days in the tax year) are taxed at a flat rate of 15%. Singapore has also concluded as many as 69 comprehensive tax treaties to provide relief from double taxation of income. Furthermore, there is no capital gains tax, no wealth tax, no estate duty, and no dividend tax in Singapore. You can use our在线税务计算器to compare how you will be taxed in Singapore vis-a-vis your country of residence.
其他
新加坡的电子产品和电器相对便宜。一台普通的个人电脑售价在800新元左右，而一台普通的笔记本电脑售价在800-1200新元之间。根据你的个人喜好，你可以在600-10000新元之间的任何地方买到一台电视。一张电影票的售价约为10新元，一份当地报纸的售价约为1新元。音乐会的价格从12新元开始，一直涨到150新元以上。国家图书馆对常住居民的年会费是免费的，只收取10.50新元的一次性注册费，而外国人的年会费是42.80新元。一包香烟的价格从11.6新元起。一瓶640毫升啤酒的平均成本约为5.5新元。
最后一个音符
Choices are abound in Singapore. By and large, the cost of living in Singapore is kinder to those who know how to manage their financial resources, and keep a regular paying job. For a couple with one school-age child and one working adult, the following can be a useful rule of thumb guideline: If your take home salary for the family is less than S$4,000 per month, your living standard would be modest and resemble the following:
- Rent an HDB flat
- Use mostly public transportation and occasional taxi
- Send your child to local school
- Mostly home cooking and occasional eating out
带回家约6000新元-7000新元，你应该可以升级自己租一个私人公寓以外的中心区地区和雇用一名女佣，其余的选择保持不变。如果你每月带回家1万新元左右，你可以在菜单上为你的孩子添加国际学校教育，并使用出租车作为你的主要交通方式。在15000新元的范围内，你可以在中心区买得起一套公寓，把你的孩子送到一所国际学校，用出租车作为你的主要交通工具。如果预算不受限制，你可以租一间平房，买一辆高档车，为你的孩子提供国际学校教育，雇一个以上的女佣，定期出去吃饭，经常度假。