Stamp Duty Calculator Singapore (2026)
BSD + ABSD + SSD in one tool — IRAS-verified rates for property buyers and sellers.
Result updates as you change inputs
Total stamp duty payable
$44,600
Singapore Citizen · 1st residential property · effective 2.97%
BSD
$44,600
progressive 1–6%
ABSD
$0
0% flat
BSD breakdown
Payment deadline: 14 daysfrom signing the S&P agreement in Singapore (30 days if signed overseas). Pay via IRAS e-Stamping portal.
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: 21 May 2026.
Verify with HDB (https://www.hdb.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
Need a deeper look at one stamp duty?
Pick the calculator that matches your situation. Most buyers will need both BSD and ABSD; sellers within the holding period also pay SSD.
Buyer's Stamp Duty
Buying any property → BSD applies
Progressive 1% to 6% on the purchase price. Everyone pays it — citizens, PRs, foreigners, entities. The first stamp duty you will encounter as a buyer.
Open calculatorAdditional Buyer's Stamp Duty
Buying additional property OR not a SC first-timer → ABSD applies
From 0% (SC first home) up to 65% (entities). The biggest single cost for second-property buyers, PRs, and foreigners.
Open calculatorSeller's Stamp Duty
Selling within 3 years of purchase → SSD applies
16% if you sell within 1 year, dropping to 0% after 4 years. Designed to discourage short-term flipping. Applies to properties acquired from 4 July 2025.
Open calculatorBSD Rates Singapore 2026
Buyer's Stamp Duty is progressive on the purchase price or market value (whichever is higher). Source: IRAS.
| Purchase price band | BSD rate |
|---|---|
| $0 – $180,000 | 1% |
| $180,001 – $360,000 | 2% |
| $360,001 – $1,000,000 | 3% |
| $1,000,001 – $1,500,000 | 4% |
| $1,500,001 – $3,000,000 | 5% |
| Above $3,000,000 | 6% |
For non-residential property, BSD caps at 5%. The table above shows residential property rates.
ABSD Rates Singapore 2026
Additional Buyer's Stamp Duty depends on your residency status and the number of residential properties you own. Source: IRAS (rates effective from 27 April 2023).
| Buyer profile | ABSD rate |
|---|---|
| Singapore Citizen — 1st property | 0% |
| Singapore Citizen — 2nd property | 20% |
| Singapore Citizen — 3rd & subsequent | 30% |
| Permanent Resident — 1st property | 5% |
| Permanent Resident — 2nd property | 30% |
| Permanent Resident — 3rd & subsequent | 35% |
| Foreigner (any property) | 60% |
| Entity (e.g. company, trust) | 65% |
Married couples with at least one Singapore Citizen spouse may qualify for ABSD remission on their matrimonial home. Eligible nationals under Free Trade Agreements (USA, Iceland, Liechtenstein, Norway, Switzerland) are treated as Singapore Citizens for ABSD.
SSD Rates Singapore 2026
Seller's Stamp Duty applies when you sell residential property within the holding period. For properties acquired on/after 4 Jul 2025. Source: IRAS.
| Holding period | SSD rate |
|---|---|
| Up to 1 year | 16% |
| >1 to 2 years | 12% |
| >2 to 3 years | 8% |
| >3 to 4 years | 4% |
| >4 years | 0% |
SSD is calculated on the higher of the selling price or market value. For properties acquired before 4 July 2025, an earlier rate schedule with a 3-year holding period applies.
Frequently Asked Questions
What is the stamp duty for a $1 million property in Singapore?expand_more
Buyer's Stamp Duty (BSD) on a $1,000,000 property is $24,600. That's 1% on the first $180,000 ($1,800) + 2% on the next $180,000 ($3,600) + 3% on the next $640,000 ($19,200). If this is your first property as a Singapore Citizen, no ABSD applies. A PR pays an additional 5% ABSD ($50,000), and a foreigner pays an additional 60% ABSD ($600,000). Source: IRAS (iras.gov.sg).
Do I have to pay ABSD as a Singapore Citizen buying my first property?expand_more
No. Singapore Citizens pay 0% ABSD on their first residential property. ABSD only kicks in when you buy a second residential property (20%) or third and subsequent (30%). The ABSD rates were last revised in April 2023. Source: IRAS.
When is BSD payable?expand_more
Buyer's Stamp Duty must be paid within 14 days of signing the Sale & Purchase Agreement (S&P) if the document is signed in Singapore, or 30 days if signed overseas. Late payment attracts penalties of up to 4× the duty. You can pay via IRAS e-Stamping portal or through your lawyer.
Can I use CPF to pay stamp duty?expand_more
Yes, but with a catch. You typically need to pay BSD and ABSD upfront in cash (because the funds are due before CPF can be drawn for the property). CPF Ordinary Account can then be used to reimburse you after the property purchase is completed. For HDB BTO purchases, CPF can be used directly for stamp duty at point of sale. The amount used from CPF must eventually be refunded with accrued interest if you sell the property.
What's the difference between BSD and ABSD?expand_more
BSD (Buyer's Stamp Duty) is the base stamp duty everyone pays when buying property — it's progressive from 1% to 6% based on purchase price. ABSD (Additional Buyer's Stamp Duty) is an additional tax layered on top, designed to cool the property market. ABSD depends on your residency status and how many properties you already own. A Singapore Citizen buying their first home pays only BSD. A foreigner pays BSD + 60% ABSD.
How is stamp duty calculated for joint ownership?expand_more
For joint purchases, ABSD is calculated based on the highest ABSD rate applicable among all buyers. If a Singapore Citizen and a foreigner buy a property jointly, the full purchase price attracts 60% ABSD (the foreigner's rate), not a blended rate. BSD is calculated once on the total purchase price regardless of the number of owners. This is why couples often structure ownership carefully — sometimes through decoupling — to minimise ABSD exposure. Source: IRAS.
Sources
- • IRAS (iras.gov.sg) — BSD, ABSD, and SSD rate schedules
- • IRAS Stamp Duty Quick Links — current rates and remission rules
- • Ministry of Finance — ABSD policy revisions (April 2023 cooling measures)
Related Calculators
Buyer's Stamp Duty (BSD) Calculator
See your BSD across all progressive brackets for any property price.
real_estate_agentAdditional Buyer's Stamp Duty (ABSD) Calculator
Buying a second property or as a PR/foreigner? See your ABSD liability instantly.
sellSeller's Stamp Duty (SSD) Calculator
Selling within the holding period? See your SSD by holding duration.