Singapore stamp duty calculator (2026)
Buying a Singapore home means paying Buyer's Stamp Duty (BSD) and — if it's not your first — Additional Buyer's Stamp Duty (ABSD). Selling within a few years addsSeller's Stamp Duty (SSD). Enter your numbers for the exact amount at current IRAS rates.
Buying — BSD + ABSD
Both are payable within 14 days of signing the Option/S&P (or 30 days if signed overseas).
Before you commit, the bigger question is how much you can actually borrow — and what that buys at today's transacted prices.
See how much I can borrow →Selling — Seller's Stamp Duty (SSD)
SSD applies if you sell residential property within the holding period. Which rates apply depends on when you bought — properties bought on/after 4 Jul 2025 face a 4-year SSD.
How ABSD works (2026 rates)
ABSD is charged on the higher of price or market value, by your residency and how many residential properties you'll own after the purchase:
| Profile | 1st property | 2nd | 3rd+ |
|---|---|---|---|
| Singapore Citizen | 0% | 20% | 30% |
| Permanent Resident | 5% | 30% | 35% |
| Foreigner | 60% | 60% | 60% |
| Entity / company | 65% | 65% | 65% |
Married SC + SC couples buying their first home together pay 0% ABSD (remission). A married SC + foreigner/PR couple may claim ABSD remission on a jointly-bought first matrimonial home — conditions apply.
How BSD is calculated
BSD is tiered (marginal): 1% on the first $180k, 2% on the next $180k, 3% on the next $640k, 4% on the next $500k, 5% on the next $1.5m, and 6% above $3m. So a $1,500,000 home is $44,600 BSD.
Seller's Stamp Duty (SSD)
For property bought on/after 4 Jul 2025: 16% if sold within 1 year, 12% within 2, 8% within 3, 4% within 4, then 0%. For property bought 11 Mar 2017 – 3 Jul 2025 it's a 3-year schedule (12% / 8% / 4%).
When do I pay?
BSD and ABSD are due within 14 days of exercising the Option to Purchase or signing the S&P (30 days if the document is signed overseas). Late payment carries penalties.
Rates as at 2026, per IRAS / MOF (BSD raised 15 Feb 2023; ABSD 27 Apr 2023; SSD extended 4 Jul 2025). Figures mirror Keystone's audited calculator engine. Indicative only — confirm your exact position with IRAS. Not financial or legal advice.