Real Cost of Hiring a Maid in Singapore (2026)
The agency fee is only one part of the picture. Here is a full breakdown of upfront and ongoing costs so you can budget accurately before you start.
When families ask "how much does it cost to hire a maid in Singapore?", they are usually thinking of the agency fee. But the real number includes airfare (for fresh helpers), the SIP orientation, a medical check, insurance, the monthly MOM levy, salary, and food. The 2-year total is what you should actually plan for.
Upfront costs: fresh helper
| Item | Typical range |
|---|---|
| Agency placement fee | $1,800 – $2,800 |
| Airfare (home country to Singapore) | $300 – $600 |
| SIP orientation (MOM-mandated, first-timers) | $75 |
| Medical check-up | $60 – $100 |
| Work permit processing | Included in agency fee |
| 26-month insurance (Tokio Marine) | Included in agency fee at AJS Global |
Figures are estimates for 2026. AJS Global agency fee includes insurance and processing. Confirm exact amounts when you enquire.
Upfront costs: transfer maid
| Item | Typical range |
|---|---|
| Agency placement fee | $800 – $1,500 |
| Airfare | None (already in Singapore) |
| SIP orientation | None (already completed) |
| Medical check-up | $60 – $100 |
| Work permit transfer processing | Included in agency fee |
| 26-month insurance | Included in agency fee at AJS Global |
Transfer maids avoid airfare and SIP, so upfront costs are lower. However, a transfer levy may apply for the first 8 months if she has not completed 8 months with her previous employer.
Monthly ongoing costs
| Item | Amount |
|---|---|
| Helper salary (Indonesian, entry-level) | $550 – $650/month |
| Helper salary (Filipino or experienced) | $650 – $800/month |
| MOM levy (standard rate) | $300/month |
| MOM levy (concessionary rate) | $60/month |
| Food and daily sundries (estimated) | $150 – $250/month |
2-year total illustration
For a fresh Indonesian helper on a standard levy: upfront ~$2,800 + (24 months x $600 salary) + (24 months x $300 levy) + (24 months x $200 food) = roughly $28,200 over 2 years, or about $1,175/month all-in.
For a household on the concessionary levy ($60/month instead of $300): the same calculation drops to roughly $22,600 over 2 years, or about $940/month all-in.
These are illustrative estimates only. Your actual costs depend on salary agreed, levy rate, and what is included in your agency package.
What the concessionary levy saves you
If you have a child under 16, an elderly family member aged 67 or above, or a person with a disability at home, you likely qualify for the concessionary levy rate of $60 instead of $300. Over 2 years that is a saving of $5,760. Apply through MOM when you set up the work permit, as the concession is not automatic.
What to compare between agencies
Is insurance included or extra?
AJS Global includes 26-month Tokio Marine insurance in the placement fee. Some agencies charge it separately.
What does the replacement guarantee actually cover?
Ask how many replacements, over what period, and whether there is an additional fee. AJS Global offers unlimited replacement within 12 months at no additional agency fee.
What happens if the permit is rejected?
Rare, but worth asking. A reputable agency will be clear about what you are entitled to in that scenario.
Get a personalised cost breakdown
Norma will walk you through the exact costs for your situation, including whether you qualify for the concessionary levy.