Question 1

How much stamp duty do I pay when buying property in Singapore?

Accepted Answer

Buyer's Stamp Duty (BSD) applies to all property purchases and is calculated on progressive brackets from 1% to 6%. Additional Buyer's Stamp Duty (ABSD) depends on your residency status and the number of properties you already own — ranging from 0% for a Singapore Citizen's first property up to 60% for foreigners.

Question 2

What is the difference between BSD and ABSD?

Accepted Answer

BSD (Buyer's Stamp Duty) applies to ALL property buyers in Singapore and is calculated on progressive brackets based on the purchase price. ABSD (Additional Buyer's Stamp Duty) is an additional tax imposed on certain buyer profiles — such as PRs buying their first property, Singapore Citizens buying a second property, or foreigners buying any property.

Question 3

Can BSD be paid using CPF?

Accepted Answer

Yes, BSD can be paid using your CPF Ordinary Account (OA) for residential properties. However, ABSD must generally be paid in cash first, although Singapore Citizens and PRs may apply for remission or refund in specific scenarios.

Question 4

How is stamp duty calculated on property in Singapore?

Accepted Answer

BSD is calculated using progressive brackets: 1% on the first $180,000, 2% on the next $180,000, 3% on the next $640,000, 4% on the next $500,000, 5% on the next $1,500,000, and 6% on the remainder. ABSD is a flat rate applied to the full purchase price based on your buyer profile.

Question 5

When must stamp duty be paid?

Accepted Answer

Stamp duty must be paid within 14 days of signing the Option to Purchase (OTP) or the Sale & Purchase Agreement (S&PA). Late payment may incur penalties from IRAS.

Bracket	Rate	Amount
$0.00 – $180,000.00	1%	$1,800.00
$180,000.00 – $360,000.00	2%	$3,600.00
$360,000.00 – $1,000,000.00	3%	$19,200.00
$1,000,000.00 – $1,500,000.00	4%	$20,000.00

Purchase Price	Rate
First $180,000	1%
Next $180,000	2%
Next $640,000	3%
Next $500,000	4%
Next $1,500,000	5%
Remaining amount	6%

Buyer Profile	ABSD Rate
SC — 1st property	0%
SC — 2nd property	20%
SC — 3rd+ property	30%
PR — 1st property	5%
PR — 2nd property	30%
PR — 3rd+ property	35%
Foreigner — any property	60%

Stamp Duty Calculator Singapore 2026

BSD Breakdown

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Key Rates Used

BSD Brackets

ABSD Rates

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