Buyer's Stamp Duty (BSD) Calculator
Work out the Buyer's Stamp Duty payable on a Singapore property purchase. Enter the price and property type to see the duty, the effective rate and a band-by-band breakdown.
BSD is charged on the higher of the purchase price or market value.
Residential rates rise to 6%; non-residential tops out at 5%.
Buyer's Stamp Duty payable
$24,600
On a $1,000,000 residential purchase
Effective rate
2.46%
Top marginal band
6%
BSD per $100k
$2,460
per $100k of price
Estimates only. BSD is the higher of price or market value, applied across the bands and rounded down to the dollar. This figure excludes any Additional Buyer's Stamp Duty (ABSD) — verify against IRAS before transacting.
| Price band | Rate | Amount in band | Duty |
|---|---|---|---|
| $0 – $180,000 | 1% | $180,000 | $1,800 |
| $180,000 – $360,000 | 2% | $180,000 | $3,600 |
| $360,000 – $1,000,000 | 3% | $640,000 | $19,200 |
| Total (rounded down to the dollar) | $24,600 | ||
How Buyer's Stamp Duty works in Singapore
Buyer's Stamp Duty is one of the largest upfront costs of buying property in Singapore. It is charged on the higher of the purchase price or the market value and is calculated using a progressive set of bands, so only the portion of the price that falls within each band is taxed at that band's rate. The final duty is rounded down to the nearest dollar.
Residential vs non-residential rates
Residential property (HDB flats, condominiums, landed homes) runs through six bands, rising from 1% on the first $180,000 to 6% on any amount above $3,000,000. Non-residential property — commercial shophouses, offices and industrial units — uses the same lower bands but tops out at 5%, with no 6% tier. Switch the property type above to compare.
What this calculator does not include
This estimates BSD only. If you already own residential property or are not a Singapore Citizen, you may also owe Additional Buyer's Stamp Duty (ABSD) on top — see the ABSD calculator. To plan the wider purchase, the mortgage and HDB affordability calculators can help you size your loan and cash outlay.
Frequently asked questions
What is Buyer's Stamp Duty (BSD)?
BSD is a tax payable to IRAS on any document signed to buy or acquire property in Singapore — including HDB flats, condos, landed homes and commercial units. It is charged on the higher of the purchase price or the property's market value, and every buyer pays it regardless of citizenship.
How is BSD calculated?
BSD uses progressive bands. For residential property: 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 amount above $3,000,000. Non-residential property follows the same bands but tops out at 5% with no 6% tier. The total is then rounded down to the nearest dollar.
Is BSD the same as ABSD?
No. BSD applies to every property purchase. Additional Buyer’s Stamp Duty (ABSD) is a separate, flat-rate duty layered on top of BSD that depends on your residency status and how many residential properties you already own. This calculator shows BSD only — use the ABSD calculator for the additional amount.
When and how do I pay BSD?
BSD must be paid within 14 days of signing the Sale & Purchase Agreement or Acceptance to the Option to Purchase (or within 30 days if the document is signed overseas). It is paid to IRAS, typically through your conveyancing lawyer, and can be drawn from CPF Ordinary Account savings in many cases.