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Buyer Stamp Duty (BSD) Singapore 2026 — Everything You Need to Know
Buyer Stamp Duty is a tax payable on all property purchases in Singapore. Unlike ABSD (which targets foreign buyers and multiple property owners), BSD applies to everyone — Singapore Citizens, PRs, and foreigners alike. Understanding BSD is essential for accurate property budgeting.
BSD Rates for Residential Property (2026)
| Purchase Price | BSD Rate |
|---|---|
| First $180,000 | 1% |
| Next $180,000 | 2% |
| Next $640,000 | 3% |
| Next $500,000 | 4% |
| Next $1,500,000 | 5% |
| Remaining amount above $3,000,000 | 6% |
BSD Calculator — Common Price Points (2026)
| Property Price | BSD Payable | Effective Rate |
|---|---|---|
| $500,000 | $9,600 | 1.92% |
| $800,000 | $18,600 | 2.33% |
| $1,000,000 | $24,600 | 2.46% |
| $1,500,000 | $54,600 | 3.64% |
| $2,000,000 | $74,600 | 3.73% |
| $3,000,000 | $124,600 | 4.15% |
| $5,000,000 | $244,600 | 4.89% |
BSD Rates for Non-Residential Property (2026)
- First $180,000: 1%
- Next $180,000: 2%
- Next $640,000: 3%
- Next $500,000: 4%
- Remaining above $1,500,000: 5%
BSD vs ABSD — Key Differences
BSD applies to ALL buyers on ALL property purchases. It cannot be avoided or remitted.
ABSD is an additional tax on top of BSD for specific buyer profiles: second-property Singapore Citizens (20%), PRs (5% first, 30% second), foreigners (60%), entities (65%). ABSD can sometimes be remitted under specific conditions (e.g., married couples with one SC/one PR buying jointly).
When Must BSD Be Paid?
- Private property: Within 14 days of exercising the Option to Purchase (OTP)
- HDB flat: At signing of the Agreement for Lease or Sale & Purchase Agreement
- Late payment: Penalties apply — 4x the BSD amount for late payment beyond 3 months
Can CPF Be Used to Pay BSD?
Yes. BSD (and ABSD) can be paid using your CPF Ordinary Account savings, subject to the Valuation Limit. This preserves cash for renovation and moving costs.
BSD for New Launch Condos
For new launch condos (bought directly from developer), BSD is calculated on the purchase price stated in the Sales & Purchase Agreement. The 14-day countdown starts from the date you exercise the OTP — the developer’s standard OTP gives you 21 days to exercise, so BSD must be paid before the exercise date or immediately after.
Speak with Alvin Tan — Licensed ERA Property Consultant
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Related Property Guides
- ABSD Singapore 2026 — Additional Buyer Stamp Duty Guide
- CPF for Property — How to Use OA Savings Guide 2026
- New Launch Condos Singapore 2026 — Full Listings
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