Based on IRAS 2026 Official Rates
Singapore ABSD Calculator 2026
Work out your ABSD and Buyer's Stamp Duty in seconds. Covers Singapore Citizens, PRs, and foreigners at 2026 rates.
4Buyer Profiles
6BSD Tax Brackets
100%Instant Results
$1.5M
$
$500K$10M
(counting this one)
Total Stamp Duty Payable
$44,600
3.0%of property price
Buyer's Stamp Duty (BSD)
$44,600ABSD (0% of $1.5M)
$0Singapore Citizen · 1st property
How this compares
If someone else bought the same $1.5M property as their 1st property:
PRPermanent Resident
$119,600
$75,000 more (+168%)
FRForeigner
$944,600
$900,000 more (+2018%)
Estimates based on IRAS 2026 rates. Actual amounts depend on remissions, reliefs and final valuation. Always verify with IRAS or your conveyancing lawyer before you commit.
Singapore ABSD Rates 2026
Updated April 2026Rates effective since 27 April 2023 cooling measures. Source: IRAS.
| Buyer Profile | 1st Property | 2nd Property | 3rd+ Property |
|---|---|---|---|
| Singapore Citizen | 0% | 20% | 30% |
| Permanent Resident | 5% | 30% | 35% |
| Foreigner | 60% | 60% | 60% |
| Entity / Trustee | 65% | 65% | 65% |
Buyer's Stamp Duty (BSD) Rates 2026
BSD applies to ALL buyers, regardless of citizenship or property count.
| Purchase Price Bracket | BSD Rate |
|---|---|
| First $180,000 | 1% |
| Next $180,000 | 2% |
| Next $640,000 | 3% |
| Next $500,000 | 4% |
| Next $1,500,000 | 5% |
| Above $3,000,000 | 6% |
Frequently Asked Questions
How much ABSD do I have to pay in Singapore?
ABSD depends on your citizenship and how many properties you own. Singapore Citizens: 0% on 1st property, 20% on 2nd, 30% on 3rd+. Permanent Residents: 5% on 1st, 30% on 2nd, 35% on 3rd+. Foreigners: 60% on any purchase. Entities: 65%. ABSD is calculated on the purchase price or market value, whichever is higher.
Can I use CPF to pay ABSD?
Yes. You can pay ABSD first from cash, then apply for reimbursement from your CPF Ordinary Account. However, CPF cannot be used to directly pay ABSD at the point of stamping — you must pay cash first, then claim back from CPF. The refund process typically takes 2-3 weeks through IRAS.
How can I avoid paying ABSD in Singapore?
Singapore Citizens buying their 1st property pay 0% ABSD — that is the only way to legally avoid it. For married SC couples buying a 2nd property jointly, you can apply for ABSD remission if you sell your existing property within 6 months (or 6 months after TOP for new launches). Foreigners under FTAs with US, Iceland, Liechtenstein, Norway, or Switzerland may also qualify for remission. There is no legal way to 'avoid' ABSD otherwise — decoupling strategies have been restricted since 2023.
What is the ABSD rate for foreigners buying property in Singapore?
Foreigners pay 60% ABSD on any residential property purchase in Singapore, regardless of whether it is their 1st, 2nd, or 3rd property. This is one of the highest property purchase taxes in the world and was increased from 30% in April 2023. Entities and trustees pay 65%.
How does ABSD affect joint purchases in Singapore?
For joint purchases, the highest ABSD rate among all buyers applies to the entire purchase. For example, if a Singapore Citizen (0% ABSD on 1st property) buys jointly with a PR spouse (5% ABSD on 1st property), the 5% rate applies. If buying with a foreigner, the 60% rate applies to the whole purchase. Married SC-SC couples buying a 2nd property jointly may apply for ABSD remission if they sell their 1st within 6 months.
Do I pay ABSD on HDB flats?
New HDB flats bought directly from HDB are exempt from ABSD. Resale HDB flats attract BSD but not ABSD if you meet HDB eligibility requirements and it is your 1st property. If you already own a private property and buy a resale HDB, ABSD applies based on your profile.
When is ABSD payable and what happens if I pay late?
ABSD must be paid within 14 days of signing the Sale & Purchase Agreement (new launches) or exercising the Option to Purchase (resale). For overseas transactions, the deadline is 30 days. Payment via IRAS e-Stamping portal. Late payment incurs a penalty of up to 4 times the duty amount. Do not miss this deadline.
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