Buyer's Stamp Duty (BSD) Calculator (2026)
Calculate BSD on your Singapore property purchase using the latest progressive rates.
What is Buyer's Stamp Duty (BSD)?
Buyer's Stamp Duty (BSD) is a tax levied on documents relating to the purchase or acquisition of property in Singapore. It applies to all buyers regardless of nationality and is calculated on a progressive scale based on the purchase price or market value, whichever is higher.
Result updates as you type
Total BSD Payable
$9,599.98
Effective rate: 1.92%
Bracket Breakdown
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.
Quick Reference
- • Residential BSD rates: 1% on first $180k, 2% on next $180k, 3% on next $640k, 4% on next $500k, 5% on next $1.5M, 6% above $3M
- • BSD is payable within 14 days of signing the Sale & Purchase Agreement
- • You can use CPF Ordinary Account savings to pay BSD for residential property
- • Non-residential properties have different BSD rates capped at 5% above $1M
Who This Calculator Is For
All Property Buyers in Singapore
BSD applies to every property purchase — residential and non-residential. It is payable within 14 days of signing the Sale & Purchase Agreement.
- Applies to: buyer on ALL property types
- Due: within 14 days of S&P agreement
- First $180,000: 1%
- Next $180,000: 2%
- Next $640,000: 3%
- Next $500,000: 4%
Buyers of Properties Above $1.5M
For residential properties, two additional BSD tiers apply: 5% on the next $1.5M and 6% above $3M. Non-residential BSD caps at 4%.
- Residential tier 5: 5% on $1,500,001–$3,000,000
- Residential tier 6: 6% above $3,000,000
- Non-residential: max 4% (no higher tiers)
- Note: BSD is non-negotiable and non-refundable
Buyers Using CPF
BSD can be paid from CPF OA. However, the 5% cash component (for bank loans) on purchase price must be in cash — BSD is separate from this.
- BSD: payable from CPF OA or cash
- CPF for BSD: reduces OA balance available for repayment
- ABSD: must be paid in cash (not CPF)
- Refund: BSD refundable if purchase falls through (Option forfeited)
How BSD Works in Singapore
Buyer's Stamp Duty (BSD) is a tax on documents relating to the purchase or acquisition of property in Singapore. It applies to all property buyers, regardless of nationality or residency status.
BSD is calculated on the purchase price or market value, whichever is higher. For residential properties, rates range from 1% to 6% on a progressive basis, meaning higher portions of the property value are taxed at higher rates.
BSD must be paid within 14 daysof signing the Sale & Purchase Agreement. You can pay using cash, CPF, or a combination of both. Note that some buyers also owe Additional Buyer's Stamp Duty (ABSD) on top of BSD. To estimate your full monthly cost, try our Mortgage Calculator.
Residential BSD Rates
BSD: Residential vs Non-Residential Rates
BSD rates differ for residential and non-residential properties. Higher tiers only apply to residential purchases.
| Purchase Price Band | Residential BSD | Non-Residential BSD |
|---|---|---|
| First $180,000 | 1% | 1% |
| Next $180,000 | 2% | 2% |
| Next $640,000 | 3% | 3% |
| Next $500,000 | 4% | 4% |
| Next $1,500,000 | 5% | 4% (same as previous tier) |
| Above $3,000,000 | 6% | 4% (same as previous tier) |
Frequently Asked Questions
What are the BSD rates for residential property in Singapore?expand_more
BSD for residential properties is calculated on progressive rates: 1% on the first $180,000, 2% on the next $180,000, 3% on the next $640,000, 4% on the next $500,000, 5% on the next $1,500,000, and 6% on any amount above $3,000,000. These rates apply to the purchase price or market value, whichever is higher.
When does BSD apply?expand_more
BSD applies to all property purchases in Singapore, regardless of the buyer's nationality or residency status. It is payable on the purchase price or market value of the property, whichever is higher. BSD must be paid within 14 days of signing the Sale & Purchase Agreement. Both residential and non-residential properties are subject to BSD.
How much BSD do I pay on a $1 million property?expand_more
For a $1,000,000 residential property: 1% on the first $180,000 = $1,800, 2% on the next $180,000 = $3,600, 3% on the remaining $640,000 = $19,200. Total BSD = $24,600. You can use the quick formula: (Price x 3%) - $5,400 for properties between $360,001 and $1,000,000.
Are there different BSD rates for non-residential properties?expand_more
Yes. Non-residential properties (commercial, industrial) have different BSD rates: 1% on the first $180,000, 2% on the next $180,000, 3% on the next $640,000, and 5% on any amount above $1,000,000. The 4%, 5%, and 6% tiers that apply to residential properties above $1 million do not apply to non-residential property in the same way.
Can I use CPF to pay BSD?expand_more
Yes, you can use your CPF Ordinary Account (OA) savings to pay BSD for residential property purchases. This includes HDB flats and private residential properties. The BSD amount will be deducted from your CPF OA along with other eligible housing expenses, subject to the applicable CPF withdrawal limits.
Sources
- • IRAS — Buyer's Stamp Duty rates and computation (iras.gov.sg)
- • IRAS — Stamp duty for property transactions (iras.gov.sg)