Quick Answer
You pay Buyer’s Stamp Duty in bands, plus any Additional Buyer’s Stamp Duty that applies to you and the number of homes you own. A Singapore Citizen buying a S$1.5 million second home pays S$344,600 in BSD and ABSD in this model, before any remission. That is S$44,600 of BSD plus S$300,000 of ABSD.
The Useful Number: A Singapore Citizen buying a S$1.5 million second home pays S$344,600 in BSD and ABSD in this model, before any remission.
How Are BSD And ABSD Calculated Differently?
Buyer’s Stamp Duty (BSD) is charged in bands: each slice of the price has its own rate. Additional Buyer’s Stamp Duty (ABSD) depends on who you are and how many homes you already own. In this calculator, both are charged on the higher of the purchase price and market value.
Enter the number of Singapore residential properties you own before this purchase. The calculator covers simple cases for individual buyers, not every way of owning property.
How Much Stamp Duty Is Payable On A S$1.5 Million Second Home?
Say you are a Singapore Citizen buying alone, and you already own one residential property. The price and market value are both S$1.5 million, and no remission (duty waiver) applies.
BSD is 1% on the first S$180,000, 2% on the next S$180,000, 3% on the next S$640,000 and 4% on the remaining S$500,000: S$44,600 in total. ABSD is 20% of the full dutiable value (the value duty is charged on), or S$300,000. Combined duty is S$344,600.
- First S$180,000 At 1%: S$1,800
- Next S$180,000 At 2%: S$3,600
- Next S$640,000 At 3%: S$19,200
- Remaining S$500,000 At 4%: S$20,000
- Total BSD: S$44,600
Data as of . Source: IRAS — stamp-duty rates; IRAS — Additional Buyer's Stamp Duty.
Try Your Numbers
Your BSD And ABSD On A Second Home
A Singapore Citizen buying alone who already owns one home, as in the example. Change this in the full calculator.
BSD And ABSD Before Remission
S$344,600
- Buyer’s Stamp Duty
- S$44,600
- Additional Buyer’s Stamp Duty
- S$300,000
Rough estimate. See the full tool for assumptions.
How Do Ownership And Timing Change The Duty?
A Singapore Citizen buying a first home would pay the same BSD but no ABSD in this model. Buying jointly with a first-time buyer may not give the same result. Joint ownership, part shares, trusts, treaty treatment and remissions for married couples each need their own check.
Do not assume you will get an ABSD refund if you sell later. Check eligibility, conditions and deadlines with IRAS or your conveyancing lawyer.
How Does Duty Fit Into The Upfront Plan?
Add the duty to your downpayment and other buying costs. The calculator does not decide when you need the cash, whether you can use CPF or whether you can be reimbursed later.
Check the loan separately with the TDSR & MSR Borrowing Calculator. A loan you can repay does not cover all the cash you need to complete.
Quick Check
Three statements from this guide. Tap True or False to check what you have read. Nothing is saved.
Card 1 Of 3
On a S$1.5 million home, BSD is 4% of the whole price.
Why?
The first S$180,000 is charged at 1%, the next S$180,000 at 2%, the next S$640,000 at 3% and the remaining S$500,000 at 4%. That totals S$44,600.
Read: How Much Stamp Duty Is Payable On A S$1.5 Million Second Home?
Card 2 Of 3
In this model, a Singapore Citizen buying a second home pays 20% ABSD on the full dutiable value.
Why?
With S$44,600 of BSD, the duty is S$344,600 before any remission. A first home for a Singapore Citizen has the same BSD but no ABSD.
Read: How Much Stamp Duty Is Payable On A S$1.5 Million Second Home?
Card 3 Of 3
You can count on an ABSD refund if you sell your existing home later.
Why?
Check eligibility, conditions and deadlines with IRAS or your conveyancing lawyer before you rely on any relief. The calculator leaves out remissions and refunds.
Your Score
Try It With Your Numbers
Open the calculator with this guide’s example filled in. Then change the numbers to match your situation.
Open Full Stamp Duty Calculator →Frequently Asked Questions
How Is Buyer’s Stamp Duty Calculated?
BSD is charged in bands on the higher of the purchase price and market value.
On S$1.5 million, the first S$180,000 is charged at 1%, the next S$180,000 at 2%, the next S$640,000 at 3% and the remaining S$500,000 at 4%. That totals S$44,600. Each rate applies only to the part of the price in its band.
How Much ABSD Does A Singapore Citizen Pay On A Second Property?
In the guide’s example, a Singapore Citizen buying alone who already owns one residential property pays 20% ABSD on the full S$1.5 million dutiable value.
That is S$300,000. Check how it applies to you with IRAS or your conveyancing lawyer.
Do First-Time Singapore Citizen Buyers Pay ABSD?
In the calculator, a Singapore Citizen buying a first home pays the same BSD but no ABSD.
That does not mean buying jointly with a first-time buyer gives the same result. Joint ownership, part shares, trusts, treaty treatment and remissions for married couples each need their own check.
Try Full Stamp Duty Calculator →Will I Get An ABSD Refund If I Sell My Existing Home Later?
Do not assume you will get an ABSD refund if you sell later.
Check eligibility, conditions and deadlines with IRAS or your conveyancing lawyer before you rely on any relief. The calculator leaves out remissions and refunds.
Try Full Stamp Duty Calculator →Can I Use CPF To Pay Stamp Duty?
This calculator does not decide whether you can use CPF or when you need the cash.
It also does not say whether you can pay first and get reimbursed later. Add the duty estimate to your downpayment and other buying costs. Check how you will pay separately.
Try Full Stamp Duty Calculator →Get The Checklist (Free For Members)
Buying A Resale Or Private Home: Loan, Cash And Stamp Duty. Check your loan, cash, CPF and stamp duty before you buy a resale flat or private home.
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Sources & Assumptions
Sources checked 12 October 2026. These are examples only. Check the stated assumptions and limits before you use a result.
Estimate for one individual buying a home, using current BSD and ABSD rates in our model. It leaves out remissions, refunds, special ownership set-ups and legal advice on your deal.