CalculatorProperty stamp duty
Estimate residential BSD and common individual ABSD.
The same SGD 1,000,000 home, three buyer profiles
BSD is calculated in value bands, then ABSD is added according to buyer profile, property count and purchase date. These are simplified single-buyer scenarios.
Singapore citizen buying a first home
- Input
- Higher of price or market value: SGD 1,000,000; citizen; no existing residential property
- Result
- BSD about SGD 24,600; ABSD SGD 0; total about SGD 24,600
- What it means
- No ABSD does not mean no stamp duty. BSD remains an upfront acquisition cost.
PR buying a first home
- Input
- Higher of price or market value: SGD 1,000,000; PR; no existing residential property
- Result
- BSD about SGD 24,600; ABSD about SGD 50,000; total about SGD 74,600
- What it means
- Buyer status alone adds about SGD 50,000 to the initial tax budget for the same home.
Foreign individual buying a home
- Input
- Higher of price or market value: SGD 1,000,000; foreign individual
- Result
- BSD about SGD 24,600; ABSD about SGD 600,000; total about SGD 624,600
- What it means
- A 60% ABSD rate changes affordability completely. Treaty treatment, remission or refund needs a formal eligibility check.
How should you use the calculated result?
The headline separates BSD from ABSD so the cost of property value and buyer profile remain visible. In practice, the higher of consideration and market value is generally the tax base.
Stress-test duties before signing
- Do not budget from the lowest buyer profile. For a joint purchase, test the higher potentially applicable ABSD profile to avoid understating upfront funds.
- If affordability depends on a refund, remission or FTA treatment, confirm eligibility and timing before signing rather than treating the concession as certain.
When should you not use this result directly?
- Joint purchases usually follow the highest applicable ABSD profile among the buyers, so one person’s status alone is insufficient.
- Trusts, entities, mixed residential use, FTA treatment, matrimonial-home refunds and other remissions need specialist checks.
- Purchase date, buyer status and residential property count at signing affect the rate; the IRAS assessment is authoritative.
Continue with the BSD and ABSD guide
The guide unpacks value bands, buyer profiles, joint purchases and common refund situations so the difference on the same property makes sense.
Open the property tax guide
Official source: Open authority guidance
Rules last checked: 7 Sep 2026. See the Sources page.