ABSD Stamp Duty Calculator and Guide: 2026 Rates for Singapore Buyers
The ABSD Stamp Duty Calculator and Guide for 2026 enables precise computation of Additional Buyer's Stamp Duty (ABSD) and Buyer's Stamp Duty (BSD) using official IRAS rates, crucial for UAE buyer Singapore, Dubai resident property, and Emirati investor decisions.[1][2][4]
ABSD rates hit 60% for foreigners' first properties and up to 65% for entities, impacting budgets significantly in Singapore's competitive market.[1][2][6] Homejourney verifies all data from IRAS for a safe, trusted environment, helping you make confident choices without surprises.[1][2]
This cluster article supports our pillar on Foreigners Buying Property in Singapore: Legal Process Guide 2026 | Homejourney Foreigners Buying Property in Singapore: Legal Process Guide 2026 | Homejourney , focusing on tactical ABSD calculations.
What is ABSD and Why Calculate It Early?
ABSD is an additional tax on residential property purchases, targeting PRs, foreigners, and entities to cool demand.[4][6] Unlike tiered BSD, ABSD applies flat to the full purchase price or market value, whichever is higher.[1][2]
For Middle East Singapore property investors from Dubai or UAE, understanding ABSD prevents overbudgeting—e.g., a S$2M condo could add S$1.2M in ABSD alone.[1][2] Homejourney's tools ensure transparency, aligning with our user safety priority.
Current 2026 context: Rates unchanged from 2023 hikes, with foreigners at 60% first property, 65% subsequent.[1][6] Always use IRAS valuation; negotiate price but pay on higher value.[1][4]
BSD vs ABSD: Key Differences
- BSD: Paid by all buyers, tiered rates on residential properties.[1][3]
- ABSD: Extra for non-citizens or second+ properties, flat rate on total value.[2][6]
- Total duty = BSD + ABSD, due within 14 days of Option to Purchase (OTP) via IRAS e-Stamping.[1][4]
2026 BSD and ABSD Rates Table
Use this table for quick reference, sourced from IRAS.[1][3][4]
| BSD Tiers (Residential) | Rate |
|---|---|
| First S$180,000 | 1% |
| Next S$180,000 | 2% |
| Next S$640,000 | 3% |
| Next S$500,000 | 4% |
| Next S$1,500,000 | 5% |
| Remaining | 6% |
ABSD Rates (2026): Singapore Citizens (first: 0%, second: 20%, third+: 30%+); PRs (first: 5%, second: 15%, third+: 30%+); Foreigners/Entities (first: 60%, subsequent: 65%).[1][2][6]
Step-by-Step ABSD Stamp Duty Calculator Guide
Follow these actionable steps for any buyer profile. Homejourney recommends inputting into our verified tools for instant results.
- Determine Value: Use higher of purchase price or IRAS valuation.[1][4]
- Calculate BSD: Apply tiers progressively. Quick formula under S$1M: (0.03 × value) – S$5,400.[1][3]
- Identify ABSD Rate: Based on profile (e.g., Emirati investor: 60% first property).[2][6]
- Compute ABSD: Value × flat rate.[1][2]
- Total: BSD + ABSD. Pay via IRAS e-Stamping within 14 days.[4]
Real Example: S$2M Condo (Orchard, 3-min walk from Orchard MRT Exit B)
BSD: 1% (S$1,800) + 2% (S$3,600) + 3% (S$19,200) + 4% (S$20,000) + 5% (S$25,000) = S$69,600.[1][4]
For Dubai resident property buyer (first): ABSD S$2M × 60% = S$1,200,000. Total: S$1,269,600.[1][2]
Insider tip: Near Tampines MRT (Exit A, 5-min walk) HDB resales allow CPF for first-timers, but foreigners can't buy HDB—stick to condos. See Types of Properties Foreigners Can Buy in Singapore | Homejourney .[2]
Real Singapore Examples for 2026 Buyers
- First-Time Citizen HDB ($800K Tampines): BSD S$18,600, ABSD 0%. Total: S$18,600 (CPF eligible).[1][2]
- PR Second Property ($900K): BSD S$30,600 + ABSD S$225,000 (25%). Total: S$255,600.[1][2]
- UAE Buyer First Condo ($1.5M): BSD S$55,600 + ABSD S$900,000 (60%). Total: S$955,600. Link to UAE & Dubai Residents Buying Property in Singapore: Homejourney Guide UAE & Dubai Residents Buying Property in Singapore: Homejourney Guide .[2]
Foreigners: Check LTV (55% max), TDSR via Bank Rates .[1]
Common Mistakes and How to Avoid Them
Mistake 1: Ignoring IRAS valuation—always request pre-OTP.[1] Mistake 2: Forgetting entities at 65% ABSD.[6] Mistake 3: Late payment (penalty 300% + interest).[4]
Pro tip for Middle East Singapore property: Decouple before buying if married to a citizen for lower rates—consult professionals.[7] Homejourney verifies data to prevent errors.
Financial Tips and Next Steps
Factor ABSD into budgets: Use CPF for BSD if eligible (citizens/PRs).[2] Foreigners explore financing via Financing Options for Foreign Buyers in Singapore | Homejourney .[1]
Action steps: 1. Calculate on Homejourney. 2. Search properties via Property Search . 3. Check projects at Projects Directory . 4. Post-purchase, maintain with Aircon Services .
Disclaimer: This is general info; consult IRAS/lawyers for advice. Rates per Feb 2026 IRAS.[1][4][6]
FAQ: ABSD Stamp Duty Calculator and Guide
1. How do UAE buyers calculate ABSD in Singapore?
60% flat on first property value + tiered BSD. E.g., S$1.5M: ~S$955K total. Use IRAS tools or Homejourney.[1][2]
2. What's the ABSD for Dubai residents buying condos?
Same as foreigners: 60% first, 65% after. See full process in Step-by-Step Property Buying Process for Foreigners | Homejourney .[2][6]
3. Can Emirati investors get ABSD remission?
No for individuals; entities may apply under conditions. Verify with IRAS.[6]
4. How to pay ABSD stamp duty?
Within 14 days via e-Stamping; use mytax.iras.gov.sg.[1][4]
5. Does ABSD apply to all properties?
Residential only; foreigners restricted from HDB. Details in Types of Properties Foreigners Can Buy in Singapore | Homejourney 2026 .[2]
Master your ABSD Stamp Duty Calculator and Guide with Homejourney for safe, transparent Singapore property journeys. Start searching trusted listings today via Property Search .
