Total Property Stamp Duty Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists total property stamp duty results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Buyer's Stamp Duty | Additional Buyer's Stamp Duty | Total stamp duty | Total as % of price |
|---|---|---|---|---|
| Purchase price or market value, whichever is higher: 1,200,000, Buyer profile: Singapore Citizen, Which residential property is this?: First | S$32,600.00 | S$0.00 | S$32,600.00 | 2.72% |
| Purchase price or market value, whichever is higher: 600,000, Buyer profile: Singapore Citizen, Which residential property is this?: First | S$12,600.00 | S$0.00 | S$12,600.00 | 2.10% |
| Purchase price or market value, whichever is higher: 900,000, Buyer profile: Singapore Citizen, Which residential property is this?: First | S$21,600.00 | S$0.00 | S$21,600.00 | 2.40% |
| Purchase price or market value, whichever is higher: 1,500,000, Buyer profile: Singapore Citizen, Which residential property is this?: First | S$44,600.00 | S$0.00 | S$44,600.00 | 2.97% |
| Purchase price or market value, whichever is higher: 1,800,000, Buyer profile: Singapore Citizen, Which residential property is this?: First | S$59,600.00 | S$0.00 | S$59,600.00 | 3.31% |
| Purchase price or market value, whichever is higher: 2,400,000, Buyer profile: Singapore Citizen, Which residential property is this?: First | S$89,600.00 | S$0.00 | S$89,600.00 | 3.73% |
How these were worked out
Total = BSD (tiered 1%–6%) + ABSD (price × ABSD rate for your profile).
Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.
Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.
CPF Ordinary Account savings can pay for the downpayment, stamp duties and monthly instalments, but using CPF reduces the money compounding for retirement, and the amount withdrawn plus accrued interest must be refunded to your CPF account when you sell.
Most Singaporeans live in HDB flats, which can be financed with an HDB concessionary loan at 0.1% above the CPF Ordinary Account rate or with a bank loan. Private property must be financed with a bank loan, and banks offer fixed, floating and SORA-pegged packages.
Tips
- Banks test your TDSR at a stress-test rate, not the advertised rate, so your borrowing limit is lower than you might expect.
- Stamp duty is based on the purchase price or market value, whichever is higher.
- HDB loans are capped at 25 years and must be fully repaid by age 65.
Related calculations
- Rental Yield Calculator: Measures the return from rent before and after costs such as property tax, maintenance fees and agent fees.
- Home Loan Refinancing Calculator: Compares your current mortgage with a new rate to show the monthly saving and how long switching costs take to recover.
- Property Downpayment Calculator: Splits the downpayment into cash and CPF and shows the remaining loan.
- Buyer's Stamp Duty (BSD) Calculator: Calculates Buyer's Stamp Duty on a Singapore residential property using the tiered rates from 1% to 6%.
For your exact numbers, use the Total Property Stamp Duty Calculator.
Run your own numbers: Total Property Stamp Duty Calculator