Singapore Stamp Duty Calculator
Get accurate estimates for property purchase costs across in Singapore. Understand your stamp duty, transfer fees, and first property benefits before you buy.
Enter Your Property Details
Enter your property value using either the slider or text input. The calculator uses the higher of purchase price or market value.
Select Buyer Profile
Choose your residency status (Singapore Citizen, Permanent Resident, or Foreigner) and specify the number of properties you currently own.
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Get your complete stamp duty breakdown including BSD, ABSD, and total costs based on official IRAS rates.
Stamp Duty Calculator
Calculate BSD & ABSD for Singapore
Total Stamp Duty
$32,600
Singapore Citizen • First Property
Summary
You're paying $0 in Additional Buyer's Stamp Duty.
Cost Comparison by Buyer Profile
Your Stamp Duty Summary
Cost Breakdown
When is Stamp Duty Due?
BSD must be paid within 14 days of signing the Sale & Purchase Agreement. ABSD must be paid within 14 days for citizens and PRs, or within 30 days for foreigners and entities.
Singapore Stamp Duty Rates
Current BSD and ABSD rates for 2026.
Buyer's Stamp Duty (BSD)
BSD applies to all property purchases in Singapore based on the property value or purchase price, whichever is higher.
BSD Rates (Progressive)
- First $180,000: 1%
- Next $180,000: 2%
- Next $640,000: 3%
- Next $500,000: 4%
- Next $1,500,000: 5%
- Above $3,000,000: 6%
Additional Buyer's Stamp Duty (ABSD)
ABSD is an additional flat-rate tax that applies based on buyer profile and number of properties owned.
ABSD Rates for Residential Properties
- Singapore Citizens:
- 1st property: 0%
- 2nd property: 20%
- 3rd+ property: 30%
- Singapore PRs:
- 1st property: 5%
- 2nd property: 30%
- 3rd+ property: 35%
- Foreigners:
- Any property: 60%
Non-Residential Properties
Non-residential properties (commercial, industrial) attract different ABSD rates. Entities pay 65% ABSD on residential properties and 5% on non-residential properties (up to 5 properties).
Total Upfront Costs
Total cash needed for a $1,000,000 property.
Additional Costs to Consider
- Option fee: Typically 1% of purchase price (credited to purchase)
- Fire insurance: ~$200-500 per year
- Property tax: 0%-32% annually based on annual value
- Maintenance fees: For condos (varies by development)
Where Your Money Goes
Property Purchase Insights
Key considerations for your purchase.
BSD Rate
3.26%
Total Tax
$32,600
ABSD Rate
0%
Recommendations
General information only. Consult a property lawyer for specific advice.
Disclaimer: Estimates only. Consult a lawyer or property agent for accurate figures. Rates current as of January 2026.
Calculate how much CPF you can use for your property down payment. Project your CPF OA balance and growth to plan your property purchase timeline.
What is Stamp Duty?
Stamp duty is a tax imposed by the Inland Revenue Authority of Singapore (IRAS) on documents relating to property transactions. It is one of the largest upfront costs when buying property in Singapore and varies based on property value, buyer status, and residency.
The amount you pay depends on two components: Buyer’s Stamp Duty (BSD) which applies to all buyers, and Additional Buyer’s Stamp Duty (ABSD) which depends on your residency status and number of properties owned.
Progressive Rates
BSD uses tiered rates from 1% to 6% based on property value
Residency Impact
ABSD ranges from 0% to 60% depending on citizenship status
Singapore Stamp Duty News & Updates
The recent changes, policy discussions, and key updates on property stamp duties in Singapore.
2026 Singapore Property Market: What to Watch This Year
Key dates and potential policy changes that could affect stamp duty and property cooling measures in Singapore during 2026.
Key Areas to Monitor in 2026
- Budget 2026: Expected February - potential BSD/ABSD adjustments
- Cooling Measures Review: Government reviews effectiveness periodically
- Interest Rates: MAS monetary policy impacts TDSR calculations
- Private Residential Completions: 25,000+ units expected in 2026
- HDB BTO Launches: Continued high supply affecting resale market
Current Stamp Duty Rates
BSD: Up to 6% (progressive)
ABSD: 20-65% depending on profile
SSD: Up to 12% if sold within 3 years
Market Context
Property prices stable. Transaction volumes moderate. Government maintaining current cooling measures.
Property Cooling Measures Remain Unchanged in Late 2025
The Singapore government maintained existing stamp duty rates and cooling measures, signaling confidence in current market stability.
Key Points
- ABSD Rates: Unchanged at 20-65% since Sep 2022
- LTV Limits: Remain at current levels (55-75%)
- TDSR: 55% cap continues for all property loans
- Market Sentiment: Stable prices with moderate transaction volumes
Government Stance
MAS and MND monitoring market closely. No immediate need for adjustments.
What This Means
Buyers should plan based on current rates. No relief expected short-term.
Budget 2025: No Changes to Property Stamp Duty Rates
Singapore's Budget 2025 maintained existing stamp duty rates for both BSD and ABSD, keeping property cooling measures intact.
Budget 2025 Property Measures
- BSD Rates: No changes - remain up to 6%
- ABSD Rates: No changes - remain at 20-65%
- Focus Areas: Budget prioritized housing supply and affordability
- HDB Measures: Enhanced grants and schemes for first-timers
Government Rationale
Current measures effective in maintaining market stability. No overheating concerns.
Market Impact
Expectations for rate reductions not met. Market continues to adjust.
Mid-2024 Review: Cooling Measures Working as Intended
Government affirmed that property cooling measures introduced in 2022 continue to be effective in maintaining market stability.
Market Indicators (H1 2024)
- Price Growth: Moderated to sustainable levels
- Transaction Volume: Stable with healthy activity
- Foreign Buyers: ABSD effectively moderating demand
- Multiple Property Owners: Investment activity controlled
Government Assessment
MND and MAS satisfied with current market conditions. No changes needed.
Outlook
Measures to remain in place for foreseeable future.
Budget 2024: Stamp Duty Rates Unchanged for Second Year
Singapore's Budget 2024 maintained all property stamp duty rates, continuing the government's stance on property market cooling.
Budget 2024 Highlights
- No Rate Changes: BSD and ABSD rates remain at 2022 levels
- SSD Duration: Still 3 years from purchase date
- Focus: Budget emphasized housing supply expansion
- HDB Priority: More BTO launches and shorter wait times
Minister's Statement
"Property measures remain appropriate for current market conditions."
Market Response
Prices continued gradual moderation. Developers adjusted strategies.
One Year On: September 2022 Cooling Measures Deemed Effective
Government assessment showed that the substantial ABSD increases implemented in September 2022 successfully moderated property demand.
Impact Assessment (Sep 2022 - Sep 2023)
- Foreign Buyers: 60% drop in foreign purchases after 60% ABSD
- Multiple Purchases: Significant reduction in investment buying
- Price Cooling: Quarter-on-quarter price growth moderated
- Market Stability: Transaction volumes normalized
Key Metrics
Price growth slowed from 8%+ to low single digits. Volume down 30%.
Government Position
Measures to stay in place. Market stability is priority.
Budget 2023: Recent ABSD Increases Maintained
Just five months after major ABSD increases, Budget 2023 kept all rates unchanged, signaling continued commitment to cooling measures.
Budget 2023 Property Position
- ABSD Rates: Maintained at September 2022 levels
- Policy Stance: Too early to assess full impact of 2022 measures
- Market Monitoring: Continued close surveillance announced
- Supply Focus: Committed to increasing housing supply
Market Context
Early signs of cooling emerging. Government watching carefully.
Industry Reaction
Developers adjusting pricing. Buyers taking wait-and-see approach.
ABSD Rates Increased Dramatically: Foreign Buyers Now Pay 60%
Singapore implemented its most aggressive property cooling measures yet, with ABSD for foreigners jumping from 30% to 60% and significant increases for all buyer profiles.
Key Changes (Effective 30 Sep 2022)
- Foreigners: ABSD increased from 30% to 60%
- Singapore PRs (2nd property): 25% to 30%
- Singapore Citizens (2nd property): 17% to 20%
- Singapore Citizens (3rd+ property): 25% to 30%
- Entities: 35% to 65% (including housing developers)
Example Impact
$2M property: Foreigner now pays $1.2M in ABSD alone (was $600k).
Government Rationale
Address strong demand and maintain sustainable market. Prioritize Singaporeans.
December 2021 Cooling Package: ABSD Up, LTV Down
Singapore tightened property cooling measures with ABSD increases and reduced loan-to-value limits to cool a rapidly accelerating market.
Key Changes (Effective 16 Dec 2021)
- Foreigners: ABSD increased from 20% to 30%
- Singapore PRs (2nd property): 15% to 25%
- Singapore Citizens (2nd property): 12% to 17%
- Singapore Citizens (3rd+ property): 15% to 25%
- LTV Limits: Reduced by 5% across all loan tenures
LTV Impact
1st property: 75% to 70%. 2nd property: 45% to 40%.
Market Context
Prices rising rapidly post-COVID. Volumes surging. Action needed.
Commercial Property: BSD Rates and ABSD Exemptions
Overview of stamp duty treatment for commercial and industrial properties, which have different rules from residential properties.
Commercial Property Stamp Duty
- BSD: Same progressive rates as residential (up to 6%)
- ABSD: Generally NOT applicable to commercial/industrial properties
- Entities: Companies can purchase without the 65% entity ABSD
- SSD: No Seller's Stamp Duty on commercial properties
Who Benefits
Foreign investors and companies face lower barriers for commercial property.
Important Note
Must be zoned commercial/industrial. Mixed-use treated as residential.
Understanding Singapore's Buyer's Stamp Duty (BSD) Rates
Comprehensive guide to Singapore's progressive BSD structure, which applies to all property buyers on top of any ABSD.
BSD Rate Structure (Progressive)
- First $180,000: 1%
- Next $180,000: 2%
- Next $640,000: 3%
- Next $500,000: 4%
- Next $1,500,000: 5%
- Remaining amount: 6%
Example Calculation
$1M property: BSD = $24,600 (before any ABSD).
Applies To
ALL buyers: Citizens, PRs, foreigners, first or subsequent property.
Seller's Stamp Duty (SSD): What You Need to Know
SSD applies to residential properties sold within 3 years of purchase to deter short-term speculation and flipping.
SSD Rates by Holding Period
- Up to 1 year: 12% of selling price or market value (whichever is higher)
- More than 1 year, up to 2 years: 8%
- More than 2 years, up to 3 years: 4%
- After 3 years: 0% (no SSD)
Who Pays
Sellers of ALL residential properties. Applies to all buyer profiles.
Example
Sell $1.5M property after 18 months: SSD = $120,000
Frequently Asked Questions
Everything you need to know about the stamp duty in Singapore.
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About this calculator
This calculator provides estimates only. Actual costs may vary based on specific circumstances. Stamp duty rates and concessions are subject to change. Always verify current rates with official sources. Government policies and rates may change without notice.