How the calculation works
Two duties can apply when you buy a home in Singapore. Buyer’s Stamp Duty (BSD) applies to every purchase and is charged in bands. Additional Buyer’s Stamp Duty (ABSD) applies if you already own a home or are not a Singapore Citizen, and is charged on the whole price.
Before you rely on the number
- Both duties are due within 14 days of signing the contract and cannot be paid from a bank loan.
- Joint buyers pay the highest ABSD rate that applies to any one of them.
- Nationals of the United States, and nationals and permanent residents of Iceland, Liechtenstein, Norway and Switzerland, should select Citizen.
- Married couples with a citizen spouse who are replacing their home pay ABSD first and may claim a refund. See the remission rules.
Frequently asked questions
How is stamp duty calculated in Singapore?
Buyer’s Stamp Duty is charged in bands from 1% to 6% on the purchase price or market value, whichever is higher. Additional Buyer’s Stamp Duty, where it applies, is a flat percentage of the whole price based on your residency status and how many homes you own.
Does this calculator work for HDB flats?
Yes. BSD and ABSD rates are the same for HDB flats, condos and landed homes.
What rate applies if I buy with my spouse?
The highest ABSD rate among the co-buyers applies to the whole price. Choose the profile and property count of the buyer who would pay the most. Married couples with a Singapore Citizen spouse may qualify for remission.
Rates checked against IRAS on 10 November 2026. This tool gives an estimate and is not tax advice. Your lawyer or the IRAS stamp duty calculator will confirm the exact amount.