Property · IRAS rules
Property in Singapore: stamp duty and buying rules
The numbers for buying a home in Singapore from IRAS and the government: stamp duty, which rate applies to you, remissions and refunds, and how each rate has changed.
In short
The numbers for buying a home in Singapore, from IRAS and the government’s own releases: what stamp duty you pay, which rate applies to you, the remissions and refunds you may get, and how each rate has changed. Each page shows its sources and is checked against them. They show the rules and the sums, not advice on what to buy.
Where to start
You want to know your ABSD rate
Every buyer’s rate in dollars at your price, which one is yours, and the remissions you may get.
See ABSD rates →You’re about to sign
BSD and ABSD for every buyer on the purchase, any married-couple remission, and the date IRAS wants the money.
Open the stamp duty calculator →You’re upgrading before you sell
The 6-month sell-by date for the ABSD refund, with a calendar reminder.
Check the refund conditions →You have a floating-rate home loan
Today’s compounded SORA and what it means for your monthly payment.
Check SORA and your loan →
Every page
Tracker
ABSD rates 2026: every buyer, what you pay, and every change since 2011
20% ABSD for a citizen’s second home
5% for a permanent resident’s first, 60% for foreigners, 65% for companies and trusts.
IRAS’s additional buyer’s stamp duty rates for citizens, permanent residents, foreigners, companies and trusts, in dollars at your price; which rate is yours; the remissions and refunds you may get; married couples of every mix; and every change since 2011 with the reason the government gave.
Updated 26 Oct 2026
Calculator
Stamp duty calculator
$44,600 stamp duty on a $1.5 million home
For a citizen’s first home. A citizen who already owns one pays $344,600 with ABSD; married couples may get it back.
Buyer’s stamp duty and ABSD for any home in Singapore, worked out tier by tier for every buyer on the purchase, with married-couple remission, the refund deadline and the date IRAS wants the money.
Updated 25 Oct 2026
Coming next
- Seller’s stamp duty calculator: what you pay if you sell within 3 years
Each one goes up once its data job has passed its checks. What’s new lists them as they arrive.
Quick answers
What are the current ABSD rates?
For purchases on or after 27 April 2023: citizens pay nothing on a first home, 20% on a second and 30% on a third or more; permanent residents pay 5%, 30% and 35%; foreigners pay 60% on any home; companies and trusts pay 65%. It is charged on the price or market value, whichever is higher, on top of buyer’s stamp duty. (IRAS)
From ABSD rates 2026: every buyer, what you pay, and every change since 2011
Recent changes
New: ABSD rates for every buyer (citizens, permanent residents, foreigners, companies, trustees and developers), in dollars at your price. Which rate is yours, including joint buyers; the remissions and refunds you may get, with a checker and a sell-by calendar reminder; married couples of every mix; buying out a co-owner; and every change since 2011 with the reason the government gave (CSV). Checked against IRAS’s own examples and the government’s releases. See ABSD rates
Stamp duty calculator: comparing two purchases is now in plain words. Tap “Compare with another price or buyer”, change the price or buyer, and the box shows both totals and how much more or less the second one costs. Try the stamp duty calculator
Stamp duty calculator: pick who is buying with one tap (first home, married and upgrading, second property, permanent resident, foreigner) and the answer shows right under the price. It now starts on a citizen’s first home. New: what $10,000 more on the price adds, a way to compare two purchases side by side (kept in the link if you copy it), the ABSD refund as a dated timeline, a card beside the page that keeps your total and due date in view, and a total bar on phones. The sums and the 35 IRAS checks are unchanged. Try the calculator
New: stamp duty calculator. Buyer’s stamp duty and ABSD for any home, worked out tier by tier for every buyer on the purchase, with married-couple remission, the last day to sell for an ABSD refund (with a calendar reminder), when to pay and CPF. It matches all 35 of IRAS’s worked examples and couple tables, and IRAS’s rate tables are compared with ours twice a day. Rates since 2013 are in a CSV. Work out your stamp duty
Every change to the site is on What’s new.
Corrections to these pages
No corrections to these pages so far. Every one is logged on Corrections with the date and what changed.