Property Tools · For Buyers
Stamp Duty Calculator
BSD and ABSD on your purchase — with the workings shown, not just the answer.
Nationals of the USA, and nationals/PRs of Iceland, Liechtenstein, Norway and Switzerland, are treated as Singapore Citizens for ABSD under free trade agreements.
Your stamp duty
Buyer's Stamp Duty (BSD)
Additional Buyer's Stamp Duty (ABSD)
A Singapore Citizen buying their first residential property pays no ABSD.
2.46% of the purchase price
Every situation has details a calculator can't capture. If you'd like, I'm happy to walk through your exact numbers — no obligation.
Estimates only, for general reference. Not financial advice. Figures depend on your specific circumstances — happy to walk you through your exact numbers.
Rates last updated: 7 July 2026.
What is Buyer's Stamp Duty?
Buyer's Stamp Duty (BSD) is a tax on every property purchase in Singapore, charged on the price or market value, whichever is higher. It works in tiers, a little like income tax: the first S$180,000 is taxed at 1%, the next S$180,000 at 2%, and so on, up to 6% for the portion of a residential price above S$3 million. Everyone pays BSD — citizen or foreigner, first home or fifth.
What is Additional Buyer's Stamp Duty?
ABSD sits on top of BSD and depends on who you are and how many residential properties you already own. It exists to keep housing affordable for Singaporeans by cooling investment and foreign demand. A Singapore Citizen pays nothing on their first home, 20% on a second, and 30% from the third onwards. Permanent Residents start at 5%, and foreigners pay a flat 60% — one of the largest property taxes in the world.
A few wrinkles catch people out. In a joint purchase, the highest rate among the buyers applies to the whole price, not half each. Nationals of the USA, Iceland, Liechtenstein, Norway and Switzerland are treated as Singapore Citizens under free trade agreements. And married couples with at least one Singaporean spouse can often claim an ABSD refund when they sell their first home within six months of buying the replacement — a rule that makes many upgrades far more affordable than they first appear.
Common misconceptions
The biggest one: assuming ABSD only matters to investors. It shapes the sequencing of nearly every upgrade — whether you sell first, buy first, or claim remission. The second: forgetting that stamp duty must largely be paid in cash or CPF within 14 days of exercising your option, before any loan money arrives. Knowing the figure early keeps your plans honest.