Is S$6,800 enough to live well in Singapore?

When a 23-year-old European professional took to Reddit to ask whether his upcoming S$6,800 salary in Singapore would be enough to live comfortably, he probably didn’t expect to trigger a flood of local insight, economic comparisons, and cultural context. Yet that’s exactly what happened. The online discussion offered more than just reassurance—it revealed a complex picture of what “comfortable” means for expats and locals in one of Asia’s most expensive cities.

This commentary unpacks that conversation, exploring why a seemingly simple question has sparked wider debate. Is S$6,800 really “high” for someone starting out? What kind of lifestyle can that salary support? And more importantly—what does it say about how we talk about money, expectations, and fairness in an increasingly mobile world?

In late June, a 23-year-old foreigner preparing to relocate to Singapore posted a question on r/singapore: “Is S$6,800/month a good salary for a junior profile in Singapore?” He explained that he had secured a two-year position and was budgeting ahead. With rent expected to cost around S$2,500, he wanted to know whether that left enough for day-to-day expenses and some savings.

Responses poured in quickly.

“With S$6.8k, you should be able to cope fine.”

Others called it an “excellent” starting salary, especially when compared to what fresh graduates typically make in Singapore. Several pointed out that local entry-level pay often ranges from S$3,000 to S$5,000. One Redditor even remarked:

“You might be making more than someone with 10 years more experience. You’ll be able to live super comfortably here.”

Users also helped break down monthly expenses:

• Rent: ~S$2,500
• Groceries and meals: ~S$600–S$800
• Transport: ~S$150–S$200
• Social life, subscriptions, and miscellaneous: ~S$500–S$800

The consensus? It’s tight but manageable—especially for a single person without dependents. The real question wasn’t whether he could afford to live in Singapore, but how wisely he’d manage the discretionary portion of his income.

S$6,800 per month is undeniably generous for a junior role—at least from a local perspective. But for a globally mobile workforce, context shifts dramatically. For example, a junior software engineer in Berlin or Amsterdam might command €4,000–€5,000 gross monthly. Converted to SGD, the Redditor’s pay wasn’t far off his likely starting salary back home.

However, for Singaporeans entering the workforce, especially outside of finance or tech, salaries in the S$3,000–S$4,000 range are still common. The fact that a 23-year-old foreign hire could come in at nearly double the median fresh grad wage speaks to widening disparities—not just between expat and local packages, but between sectors and skill types. This fuels recurring tensions in Singapore’s labor market, where locals often feel they are competing on an uneven playing field.

While many praised the Redditor’s salary as generous, the recurring caveat was housing. Rental costs are often the single largest monthly outlay—and in Singapore’s current market, they’re not cheap. A studio or one-bedroom unit in a central or city-fringe area can easily run S$2,000–S$3,000 per month. This aligns with Piloto Asia’s estimates that single expats can expect monthly living expenses between S$3,500 and S$6,000. At S$6,800/month, the Redditor would have around S$4,300 after rent. Manageable, yes—but it leaves limited room for error if lifestyle inflation kicks in or if savings goals are aggressive.

The affordability sweet spot, as several commenters noted, is lifestyle flexibility. Eating at hawker centers, taking public transport, and socializing modestly can easily keep costs low. But if expectations lean toward gym memberships, weekend getaways, and frequent fine dining, that buffer shrinks quickly.

Interestingly, this wasn’t just a crowdsourced lifestyle opinion—it was a form of financial planning. The Redditor turned to the internet not for vague advice, but for real-life budgeting guidance. And the community delivered, offering line-item expense projections, suburb recommendations, and rent-to-income ratio insights.

This reflects a broader trend: younger workers are turning to platforms like Reddit, Discord, and even TikTok for peer-to-peer financial literacy. Instead of formal HR relocation packages or corporate housing support, many now rely on “local knowledge” shared by strangers online. The results are often surprisingly nuanced, practical, and candid.

In this case, the Reddit post doubled as a public learning moment—not just for the poster, but for others watching from the sidelines, wondering how far their paychecks could stretch in Singapore.

What makes the Reddit post particularly revealing is how it exposes the invisible costs baked into global mobility. While S$6,800 may sound impressive—especially to fresh grads—it no longer carries the same weight it might have a decade ago. Young professionals relocating to high-cost cities like Singapore are no longer just choosing jobs—they’re buying into a lifestyle equation that includes financial independence, emotional bandwidth, and optionality.

Unlike older expatriate models that came with relocation stipends, housing allowances, and family support, most early-career professionals today receive no such buffer. They’re expected to stretch their salary to cover not just rent and bills, but also build community, maintain well-being, and save for an uncertain future. In this context, even a “high” salary can feel tight when you’re paying for solitude, stability, and optionality all at once.

That pressure is amplified in cities like Singapore, where convenience comes at a premium. Rent is more than just shelter—it’s a gatekeeper to autonomy. Whether or not you can afford to live alone, work remotely in peace, or host visiting friends depends almost entirely on where you land in the housing market. In many ways, housing is the real test of how far your salary goes—not groceries, transport, or streaming subscriptions.

And this is where expectations shift: for today’s global hires, living “modestly” doesn’t just mean spending less—it means trading off space, freedom, or mental ease. The conversation, then, is no longer about “how much is enough,” but about how much you need to feel like your life is your own. That’s a far more nuanced and modern question—one that employers and policymakers alike need to take seriously.

As Singapore positions itself as a magnet for global talent, stories like this are instructive. They expose the friction between two realities: a city eager to attract top professionals, and a cost-of-living environment that increasingly demands high pay just to live “normally.”

More importantly, the dialogue also spotlights generational shifts. Young workers today, whether foreign or local, are not just chasing income—they’re chasing lifestyle compatibility, mental wellbeing, and future-proof financial security. S$6,800 might be a good salary, but if rent spikes or inflation accelerates, what feels comfortable today may feel precarious tomorrow.

The takeaway for employers? Salary transparency, relocation support, and realistic lifestyle advice are no longer perks—they’re essentials. For policymakers, keeping housing affordable, even for high earners, matters for talent retention. And for expats? Understanding local spending norms and seeking advice from on-the-ground communities can make or break the relocation experience.

This Reddit post, while seemingly small, is a powerful reminder of how fast the definitions of “good pay” and “comfortable living” are evolving. S$6,800 is objectively strong for a junior hire—but in a high-cost, high-performance city like Singapore, context matters. What this story really shows is that young professionals want more than numbers—they want clarity, confidence, and community in their financial decisions.

At Open Privilege, we believe stories like this reflect a new currency in today’s job market: informed autonomy. It’s no longer just about how much you earn, but how empowered you feel to manage it wisely. In that sense, the real value wasn’t in the Redditor’s salary—but in the honest, detailed replies that turned a question into a roadmap.