Find your HDB price range
Enter your income, savings, and CPF balance — see the maximum HDB flat price you can realistically afford using 2026 MAS rules (TDSR 55%, MSR 30%, HDB LTV 75%).
Result updates as you type
Max Affordable HDB Price
$501,764.00
Based on 30% MSR, HDB loan at 2.6% over 25 years
Max Monthly
$1,800.00
Max Loan
$396,764.00
Budget Breakdown
Downpayment
$105,000.00
Total Budget
$501,764.00
Affordability vs Income
Based on HDB loan at 2.6% p.a., max tenure of 25 years, and MSR limit of 30%. Actual eligibility may vary.
Disclaimer
This calculator provides estimates and should not be viewed as a prediction. Actual stamp duty, grant amounts, loan eligibility, and monthly payments may vary due to changing interest rates, policy changes, and individual eligibility. It is not intended to be your sole source of financial guidance.
Rates last verified: 4 Apr 2026.
Verify with HDB (https://www.hdb.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
Want stamp duty next? Try the BSD & Stamp Duty Calculator or browse all housing calculators ↓
BSD & ABSD Quick Reference (2026)
Source: IRAS. Stamp duty is paid within 14 days of signing the OTP / Sale & Purchase Agreement.
| Buyer's Stamp Duty (BSD) | |
|---|---|
| Price bracket | Rate |
| 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) | |
|---|---|
| Buyer profile | Rate |
| SC — 1st property | 0% |
| SC — 2nd property | 20% |
| SC — 3rd+ property | 30% |
| PR — 1st property | 5% |
| PR — 2nd+ property | 30% |
| Foreigner — any | 60% |
| Entity — any | 65% |
BSD & Stamp Duty Calculator
Enter the property price and your buyer profile (SC, PR, or foreigner) — see your BSD, ABSD, and total stamp duty in seconds. Know your upfront cash requirement before you make an offer.
Calculate Your Total Stamp Dutyarrow_right_altBSD & Stamp Duty Calculator
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All Housing & Property Calculators
Buyer's Stamp Duty (BSD) Calculator
See your BSD across all progressive brackets for any property price. The first tax you pay as a buyer — know it before you commit.
Additional Buyer's Stamp Duty (ABSD) Calculator
Buying a second property? Foreign buyer? See your ABSD liability instantly. This tax alone can add 20–65% to your upfront costs.
Seller's Stamp Duty (SSD) Calculator
Selling within the holding period? See your SSD based on when you bought and when you're selling. Updated for properties acquired from Jul 2025.
Mortgage Calculator
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Planning your reno? Calculate monthly repayments for loans up to $30,000 over 5 years. Know the cost before you commit to the ID.
Loan-to-Value (LTV) Calculator
Find out your maximum loan amount. HDB loan: 80% LTV. Bank loan: 75%. Second property: 45%. Know your limit.
TDSR Calculator
Will the bank approve your loan? Check if you pass the 55% TDSR and 30% MSR limits before you waste time on applications.
HDB Affordability Calculator
What's the maximum HDB flat you can actually afford? Enter your household income, CPF, and savings — get a realistic budget.
HDB Grant Calculator
First-time buyer? You could qualify for up to $80,000 in grants (EHG + PHG + CPF Housing Grant). Check your eligibility in seconds.
Private Property Affordability Calculator
Thinking private? See the maximum condo price you can afford based on your income and TDSR limits. Reality check before you start viewing.
Downpayment Calculator
How much cash vs CPF do you need upfront? See the exact split for HDB, EC, or private property at your price point.
Rental Yield Calculator
Is your investment property actually performing? Enter purchase price and rental income — see gross and net yield instantly.
BTO Progressive Payment Calculator
Applied for a BTO? See the full payment schedule from booking fee to key collection — know exactly when each payment is due.
HDB Lease Buyback Calculator
Estimate proceeds and CPF RA top-up from selling back your HDB lease tail under the Lease Buyback Scheme. For flat owners aged 65+.
Decoupling Calculator
Calculate whether property decoupling makes financial sense. Compare BSD cost of share transfer vs ABSD saved on second property.
HFE Pre-Check / Can I Buy This Flat? (2026)
Multi-step decision engine that combines HDB eligibility scheme, income ceiling, HDB vs bank loan, MSR/TDSR, BSD/ABSD and the EHG/CPF Housing/Proximity grant matrix into a single buy-or-not answer for any BTO, EC, HDB resale or private property.
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Rental Stamp Duty Calculator (2026)
Work out the stamp duty payable on a tenancy agreement from the rent and lease term.
The Real Cost of Buying Property in Singapore
The sticker price of a property is just the beginning. Before you sign anything, you need to know four numbers: your stamp duty, your loan limit, your downpayment split, and your monthly repayment.
Stamp dutyhits immediately. BSD applies to all buyers on a progressive scale. If you're buying a second residential property (SC), ABSD adds 20%. PRs pay 5% on their first and 30% on their second. Foreigners pay 60% ABSD on any residential purchase.
Loan limitsare set by MAS. HDB loans cap at 80% LTV. Bank loans cap at 75% (or 55% for second properties). Your total debt repayments can't exceed 55% of your gross monthly income (TDSR), and HDB/EC loans are further limited to 30% of income (MSR).
First-timer grants can significantly reduce your costs. The Enhanced CPF Housing Grant (EHG) offers up to $80,000 based on household income. Add the CPF Housing Grant and Proximity Housing Grant on top.
Use these 14 calculators to get your full picture BEFORE you start viewing.
Check Affordability
Know your maximum budget before you start viewing
Estimate Grants & Subsidies
EHG up to $80,000 + CPF Housing Grant + Proximity Grant
Calculate Stamp Duty
BSD + ABSD for 2nd property or non-SC buyers — know upfront
Plan Your Loan
HDB loan (2.6%) vs bank loan — compare monthly repayments
Budget for Extras
Legal fees, valuation, renovation, and moving — budget for all of it
Buyer Stamp Duty (BSD) Rates
Residential BSD
ABSD Rates (Residential)
Frequently Asked Questions
What are the current BSD rates in Singapore?expand_more
Buyer's Stamp Duty rates are: 1% on first $180,000, 2% on next $180,000, 3% on next $640,000, and 4% on the remainder above $1,000,000. Use the BSD Calculator to see your exact amount.
How much ABSD do Singapore citizens pay?expand_more
Singapore citizens pay 0% ABSD on their first residential property, 20% on the second, and 30% on the third and subsequent properties. Check your ABSD with the ABSD Calculator.
What is the maximum HDB loan amount?expand_more
HDB loans provide up to 80% Loan-to-Value ratio at a fixed 2.6% interest rate. The maximum loan depends on your income, age, and remaining lease. Use the Mortgage Calculator to compare HDB vs bank loan options.
Go deeper
Read the Complete HDB First-Time Buyer Guide
Step-by-step walkthrough of the BTO and resale process, every grant you qualify for, stamp duty timing, loan options, and the cash + CPF maths most buyers miss.
Read the guidearrow_right_alt