VionaPropNexSingapore Property Advisory

Free Tool · Updated July 2026

ABSD & Stamp Duty Calculator (2026)

Work out your Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) in seconds — for citizens, PRs, foreigners and entities, at the rates in force as at July 2026.

The Calculator

Your stamp duty breakdown

Enter three things. Duties are computed on the higher of purchase price or market value — enter that figure below.

Please enter a valid price — digits only, above zero (e.g. 1500000).

Breakdown

ComponentAmount taxedRateDuty

Notes: first-loan buyers need a minimum 5% cash downpayment. All duties are payable within 14 days of signing/exercising (30 days if signed overseas). CPF OA can pay BSD, but ABSD must be paid in cash and cannot be financed. This tool is indicative and does not constitute financial advice — verify with IRAS or your conveyancing lawyer.

Current Rates

ABSD and BSD rate tables (as at July 2026)

ABSD rates have been unchanged since 27 April 2023 (Budget 2026 announced no revision), and BSD tiers since 15 February 2023. Both are charged on the higher of the purchase price or market value. Always verify statutory figures with IRAS before committing.

Additional Buyer's Stamp Duty (ABSD)

Buyer profile1st property2nd property3rd & subsequent
Singapore Citizen0%20%30%
Singapore PR5%30%35%
Foreigner60% (flat, any purchase)
Entity (company / trust)65% (flat)

FTA remission: nationals of the United States, and nationals and PRs of Iceland, Liechtenstein, Norway and Switzerland, are treated as Singapore Citizens for ABSD under Free Trade Agreements. If this is you, select "Singapore Citizen" in the calculator — and confirm your exact position with IRAS.

Buyer's Stamp Duty (BSD) — residential, marginal tiers

Tier of price / market valueBSD rateMax duty in tier
First S$180,0001%S$1,800
Next S$180,000 (to S$360,000)2%S$3,600
Next S$640,000 (to S$1,000,000)3%S$19,200
Next S$500,000 (to S$1,500,000)4%S$20,000
Next S$1,500,000 (to S$3,000,000)5%S$75,000
Remaining amount above S$3,000,0006%—

Worked Example

Citizen buying a second property at S$1.5 million

Say you are a Singapore Citizen buying a S$1,500,000 condo as your second property:

  • BSD: S$1,800 (1% × 180k) + S$3,600 (2% × 180k) + S$19,200 (3% × 640k) + S$20,000 (4% × 500k) = S$44,600
  • ABSD: 20% × S$1,500,000 = S$300,000
  • Total duties: S$344,600 — about 23.0% of the price, all payable in cash/CPF within 14 days.

That is why the ABSD question changes buying plans: on a second property, duties alone can exceed a year's income. Run your own scenario in the calculator above, then read the full ABSD & Stamp Duty Guide for remission routes, the married-couples upgrading window, and strategies owners commonly discuss with their bankers and lawyers. Next, check your borrowing ceiling with the TDSR/MSR calculator and your grant stack with the CPF grant calculator.

Upgrading from an HDB flat? SC married couples can qualify for full ABSD remission on a second matrimonial home if the first property is sold within six months (see FAQ below). Selling first removes ABSD entirely — but costs you a home in between. Viona can model both sequences with your actual numbers; start with the HDB selling guide or the EC vs Condo comparison if you are weighing an EC like Solano Grand.

Common Questions

ABSD & stamp duty — FAQs

As at July 2026, the ABSD rate on a second residential property is 20% for Singapore Citizens, 30% for Singapore PRs and 60% for foreigners, charged on the higher of the purchase price or market value. On a S$1.5 million property that means S$300,000 for a citizen, S$450,000 for a PR and S$900,000 for a foreigner.

No. ABSD must be paid in cash and cannot be financed or paid from CPF. Buyer's Stamp Duty (BSD), however, can be paid using CPF Ordinary Account savings, subject to the usual limits. Budget for ABSD as an upfront cash outlay due within 14 days of signing.

Yes, in a defined case. A married couple with at least one Singapore Citizen spouse can claim full ABSD remission on their second matrimonial home if they sell their first residential property within six months of buying the new one (for a completed unit) or within six months of its TOP/CSC (for an uncompleted one). The couple must remain married and not buy additional property in between. Conditions apply — confirm with IRAS before relying on this.

Both BSD and ABSD are payable within 14 days of signing the Sale & Purchase Agreement or exercising the Option to Purchase in Singapore (30 days if the documents were signed overseas). Late payment attracts penalties, and duties must be paid in cash — they cannot be added to the mortgage.

Foreigners cannot buy new executive condos from a developer at all — new ECs are restricted to Singapore Citizen and PR households. Once an EC is fully privatised (10 years after TOP under the old framework, 15 years under the new one), foreigners may buy units on the open market, and the 60% foreigner ABSD rate would then apply.

Get In Touch

Not sure which scenario applies to you?

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