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Free Property Tool · IRAS Rates Effective 15 Feb 2023

Buyer's Stamp Duty Calculator Singapore

Work out exactly how much Buyer's Stamp Duty (BSD) you'll pay on your next HDB, condo, landed or commercial purchase — using IRAS's current progressive tiered rates.

1%–6% Progressive Tiers Residential & Non-Residential Due Within 14 Days of OTP

Your purchase

Residential BSD tops out at 6% above $3M.

Indicative estimate only. Excludes ABSD, legal fees and other transaction costs. Use the ABSD Calculator for the additional duty, if applicable. Confirm exact figures with IRAS or your conveyancing lawyer.

Reference

Current BSD rate tiers

Effective 15 February 2023 — the last time IRAS revised residential BSD tiers.

Portion of price/valueResidential rateNon-residential rate
First $180,0001%1%
Next $180,000 ($180,001–$360,000)2%2%
Next $640,000 ($360,001–$1,000,000)3%3% (portion above $360,000)
Next $500,000 ($1,000,001–$1,500,000)4%4% (industrial only, above $1M)
Next $1,500,000 ($1,500,001–$3,000,000)5%5% (industrial only, above $1.5M)
Remaining amount (above $3,000,000)6%—

Non-residential rates shown are for standard commercial property. Industrial property has extra 4%/5% tiers above $1M/$1.5M — confirm with IRAS for industrial purchases.

Plan Further

More free tools to budget your purchase

ABSD Calculator

Check if Additional Buyer's Stamp Duty applies to your purchase.

Affordability Calculator

Find your maximum loan and property price under TDSR/MSR.

Mortgage Calculator

Work out your monthly instalment at your chosen rate and tenure.

Timeline Planner

See when BSD and other payments fall due, start to finish.

FAQ

BSD calculator questions

BSD is a tax paid on the document signed when you buy or acquire any property in Singapore — HDB, condo, landed or commercial. It's calculated on the higher of the purchase price or market value, on a progressive tiered scale.
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 anything above $3,000,000. These rates have applied since 15 February 2023.
BSD must be paid to IRAS within 14 days of signing the Sale & Purchase Agreement or exercising the Option to Purchase. For most resale transactions there isn't time for CPF disbursement, so it's typically paid in cash first and CPF is reimbursed afterward.
Yes, BSD can be paid using CPF Ordinary Account funds for HDB flats and new-launch private properties where there's time for CPF processing. For resale private property, it's usually paid in cash within the 14-day deadline and reimbursed by CPF afterward.

Not sure how BSD and ABSD add up together?

Mindy will walk you through the full stamp duty picture for your specific purchase — no jargon, no surprises.

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