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Singapore property buying guides/Ownership costs

Singapore property ownership cost calculator

See the cash you may need upfront, a monthly ownership budget and how a higher mortgage rate changes your payments.

For a purchase of the whole interest in a residential property. Enter your own figures; no bank offer, grant or CPF entitlement is assumed. Your submitted scenario stays out of URLs and search results.

Your purchase assumptions

BSD uses the higher of price and market value. Enter an estimate if no valuation is available; your result will be a scenario.
Use a lender-confirmed amount where available. This tool does not assess LTV, TDSR or MSR eligibility.
Use the CPF housing calculator to establish your limit. Taxes and fees below are budgeted in cash.
Enter the amount checked with IRAS for your buyer profile, including joint purchases. Enter 0 only when applicable.
Include legal, valuation, renovation and moving costs. Enter your own estimate, including any GST.
Include maintenance or S&CC, repairs, insurance and any other recurring costs you want to budget.
Use your IRAS Annual Value and owner-occupation status. Sale price does not establish Annual Value.
Optional investment scenario. This is your assumption, not a rental valuation.

How to prepare a realistic budget

Ask your lender for the eligible loan amount and loan terms. Check whether Additional Buyer’s Stamp Duty applies to every purchaser. Obtain the actual maintenance fee or S&CC, and use IRAS Annual Value to assess property tax. Set aside a separate repair and vacancy allowance before comparing rental returns.

The residential BSD bands used here took effect on 15 February 2023. Rates reviewed 6 September 2026. This calculator does not assess joint-owner remissions, partial-interest transfers, mixed-use property or loan eligibility.

Official sources

IRAS residential Buyer’s Stamp Duty · IRAS Additional Buyer’s Stamp Duty · CPF housing usage calculator · IRAS property tax · MAS interest-rate benchmarks

Understand Singapore property ownership costs · Compare condo rental yield evidence · Compare daily life around your homes