ABSD Stamp Duty Calculator and Guide: 2026 Singapore Rates
The ABSD Stamp Duty Calculator and Guide for 2026 equips Singapore property buyers with precise tools to compute Additional Buyer's Stamp Duty (ABSD) and Buyer's Stamp Duty (BSD) using official IRAS rates. ABSD rates hit 60% for foreigners on their first property, making accurate calculations essential for budgeting in Singapore's competitive market.
At Homejourney, we prioritize user safety and trust by verifying all data from official sources like IRAS and URA, helping you avoid costly surprises. This cluster article dives into tactical calculations, real examples, and insider tips, linking back to our comprehensive pillar on Singapore property buying for foreigners.
What is ABSD and BSD? Key Differences Explained
Buyer's Stamp Duty (BSD) applies to all buyers on a tiered basis, calculated on the higher of purchase price or market valuation. Additional Buyer's Stamp Duty (ABSD) is profile-specific, escalating for PRs, second properties, and foreigners.[1][2]
BSD funds general revenue, while ABSD cools the market and prioritizes citizens. Common misconception: ABSD replaces BSD—no, you pay both. Use Homejourney's Projects Directory for reliable valuations to ensure accuracy.
2026 BSD Rates Table
| Portion of Value | 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% |
| Above S$3,000,000 | 6% |
Source: IRAS 2026 rates. Quick formula for properties under S$1M: (3% × value) – S$5,400.[1][2]
2026 ABSD Rates Table
| Buyer Profile | 1st Property | 2nd Property | 3rd+ Property |
|---|---|---|---|
| Singapore Citizen | 0% | 17% | 25% |
| Singapore PR | 5% | 25% | 30% |
| Foreigner | 60% | 60% | 60% |
| Entities/Companies | 65% | 65% | 65% |
Decoupled couples are treated separately. For China investment Singapore property or PRC investors, the 60% rate applies—analyze if it's worth buying ABSD Chinese style with our China Nationals Singapore Property Investment: 2026 Worth It Analysis | Homejour... .
Step-by-Step ABSD Stamp Duty Calculator Guide
Follow these actionable steps for precise calculations:
- Determine Value: Use the higher of purchase price or valuation from Projects Directory .
- Calculate BSD: Apply tiered rates. Example for S$2M: 1% on S$180K = S$1,800; 2% on S$180K = S$3,600; 3% on S$640K = S$19,200; 4% on S$500K = S$20,000; 5% on S$500K = S$25,000. Total BSD: S$69,600.[1]
- Apply ABSD: Value × rate. Foreigner S$2M: 60% = S$1.2M.
- Total Duty: BSD + ABSD. Pay via IRAS within 14 days using mytax.iras.gov.sg.
- Verify: Cross-check with Homejourney tools for safety.
Insider tip: For HDB resales near Tampines MRT (Exit A, 5-min walk), factor CPF usage—up to full payment if eligible under MSR/TDSR limits.
Real Singapore Examples for 2026
Practical cases using current data:
- Example 1: First-Time Citizen HDB Resale (S$800K Tampines): BSD S$18,600 (1% S$1,800 + 2% S$3,600 + 3% S$13,200). ABSD 0%. Total: S$18,600. Pay with CPF via Bank Rates .[2]
- Example 2: PR Second Property (S$900K): BSD S$30,600 + ABSD 25% (S$225,000). Total: S$255,600.
- Example 3: PRC Investor First Condo (S$1.5M Orchard, 3-min walk from Orchard MRT): BSD S$55,600 + ABSD 60% (S$900,000). Total: S$955,600. Check China Singapore property ROI in Chinese Nationals Buying Singapore Condo: Complete 2026 Guide and Types of Properties Foreigners Can Buy in Singapore | Homejourney .
- Example 4: Foreigner S$1.2M Condo: BSD S$32,600 + ABSD S$720,000 = S$752,600 (62.7% of price).[1]
Financial Considerations and Common Mistakes
Total costs include BSD + ABSD, paid within 14 days of signing. Foreigners face high barriers—S$1M property adds S$600K ABSD. Use CPF for citizens/PRs (HDB only), but check LTV (75% max first-timer) and TDSR (60% debt cap).[1]
Common Mistakes:
- Using purchase price only—always take higher valuation.
- Ignoring profile: PRC investors overlook 60% hit, skewing ROI.
- Missing deadlines: Late payment incurs 300% penalty.
- No pro advice: Consult via Homejourney for verified guidance.
Hidden costs: Legal fees, valuation (S$1,000-2,000). For financing, explore options in Financing Options for Foreign Buyers in Singapore 2026 | Homejourney and Bank Rates .
Decision Framework for Buyers
Weigh these factors:
| Factor | Citizen/PR | Foreigner/PRC |
|---|---|---|
| ABSD Impact | Low (0-5% first) | High (60%) |
| ROI Potential | Strong rentals | Analyze via Homejourney |
| Next Steps | Search Property Search | Review Step-by-Step Property Buying Process for Foreigners | Homejourney |
Disclaimer: This is not financial advice. Rates per IRAS Feb 2026; consult professionals. Homejourney verifies data for your safety.
FAQ: ABSD Stamp Duty Calculator Questions
Q: How do I calculate ABSD for my profile?
A: Use the tables above or IRAS portal. Foreigners: 60% flat on value.[1][2]
Q: Can foreigners use CPF for ABSD?
No, ABSD must be cash/remitted. Citizens/PRs use CPF for BSD/HDB.[2]
Q: What's the deadline for payment?
14 days from exercise date. Late: Penalty applies.[1]
Q: Does ABSD apply to all properties?
Yes for residential; see Types of Properties Foreigners Can Buy in Singapore | Homejourney for foreigner rules.
Q: Is PRC investment worth it with 60% ABSD?
Run ROI via Homejourney tools—high entry but stable yields possible.
Ready to buy safely? Start with Homejourney's Property Search and pillar guide on Singapore property for foreigners. Trust Homejourney for verified insights—your safety first.
