Stamp duty calculator

The total stamp duty on a home purchase is buyer's stamp duty (BSD), plus additional buyer's stamp duty (ABSD) where it applies. This works out both.

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Your numbers
The purchase
Buyer 1

Count homes owned alone or jointly, including HDB flats.

Buyer 2

Count homes owned alone or jointly, including HDB flats.

Result

Worked example

Total stamp duty

$119,600

7.97% of $1,500,000

How the total adds up
Buyer's stamp duty (BSD)$44,600
Additional buyer's stamp duty (ABSD) at 5%, set by Buyer 2$75,000
Total$119,600
  • The buyers have different profiles. IRAS applies the highest ABSD rate, 5%, to the whole price.
  • A married couple with at least one Singapore Citizen buying their first home together may apply to IRAS for ABSD remission. It is not automatic, and the conditions are strict.
  • Stamp duty is paid on top of the downpayment, usually in cash first. For an eligible home purchase, CPF Ordinary Account savings may be used to reimburse it later.

A planning aid, not advice. It uses the rules shown below and the figures you enter. Banks, IRAS and CPF Board decide the actual figures for your case.

The rules behind the numbers

Each table shows where the rule comes from and when we last checked it against that source. Rules change: check the source before you commit.

Buyer's stamp duty

Buyer's stamp duty rates on or after 15 February 2023
Purchase price or market valueResidential
First $180,0001%
Next $180,0002%
Next $640,0003%
Next $500,0004%
Next $1,500,0005%
Remaining amount6%

Worked out band by band on the purchase price or the market value, whichever is higher, and rounded down to the dollar.

Additional buyer's stamp duty

Additional buyer's stamp duty rates on or after 27 April 2023
BuyerFirst homeSecond homeThird and later home
Singapore Citizen0%20%30%
Singapore Permanent Resident5%30%35%
Foreigner60%60%60%
A company or other entity65%65%65%
A trustee, for a living trust65%65%65%

When buyers have different profiles, the highest rate that applies to any of them is charged on the whole price. ABSD is rounded down to the dollar.

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