How Much Does It Cost to Sell a Property in Singapore? (2026)
- Selling a Singapore property typically costs 1%–2% agent commission (plus GST), S$2,500–S$3,500 in legal fees, and Seller's Stamp Duty if you sell within 4 years of buying.
- If you used CPF to buy, the amount used plus 2.5% accrued interest is refunded to your CPF at completion — not lost, but it reduces your cash proceeds.
- Net proceeds = sale price − outstanding loan − SSD (if any) − commission − legal fees − CPF refund.
Most owners fixate on the sale price. The number that actually matters is what lands in your account after the costs come out. Before you list, get clear on these — they decide your real proceeds.
The costs of selling, at a glance
| Cost | Typical range (2026) | Applies to |
|---|---|---|
| Agent's commission | 1%–2% + GST | Most sellers |
| Legal / conveyancing | S$2,500–S$3,500 | All sellers |
| Seller's Stamp Duty (SSD) | 0%–16% of price | Sold within 4 years of purchase |
| Outstanding loan redemption | Remaining loan (+ any penalty) | Mortgaged owners |
| CPF refund with accrued interest | Amount used + 2.5% p.a. | If CPF funded the purchase |
Figures are general guidance for 2026; your own situation may differ — always confirm with your lawyer and banker.
Seller's Stamp Duty: the one that surprises people
SSD is the cost owners most often forget. It applies to residential property sold within four years of buying it: roughly 16% in year one, 12% in year two, 8% in year three, 4% in year four, and nothing after four years. If you bought more than four years ago, SSD is zero. When a sale isn't urgent, timing around this threshold can save you tens of thousands.
The agent's commission — what you're actually paying for
For private residential sales, commission is typically 1%–2% plus GST. The fee isn't the point; what it should buy is: pricing that holds up, buyers who are actually qualified, and negotiation that protects your number. A cheap agent who misprices costs you far more than the commission ever will. This is the core of how I represent sellers.
Legal fees, your loan, and the CPF refund
Conveyancing runs around S$2,500–S$3,500. If the property is mortgaged, the outstanding loan is redeemed from the sale proceeds at completion. And if you used CPF to buy, the amount used plus 2.5% accrued interest is refunded back into your CPF — it isn't lost, but it does reduce the cash you walk away with.
So what will you actually walk away with?
Your net proceeds look like this: sale price − outstanding loan − SSD (if any) − commission − legal fees − CPF refund. The single biggest lever on that final number is still the price you achieve — which comes down to pricing correctly and reaching the right buyer. That starts with knowing your property's real, defensible value.
When selling wrong costs more than any fee
For a divorce, an estate, or any deadline-driven sale, the expensive mistake is rarely the fees — it's mispricing, or a sale that drags on and signals weakness to buyers. That's the work I've built two decades around: complex, discreet, deadline-driven sales where the price has to hold up to lawyers, trustees and family.
Know your numbers before you list — then the sale is a decision, not a gamble.
Want your property's real number?
Get a free, no-obligation valuation of your Singapore home — a defensible figure you can actually plan around.
- Use the Seller Net Proceeds Calculator to work out what you would actually keep on your own numbers.
Frequently asked questions
How much is property agent commission in Singapore?
For private residential sales it is typically 1%–2% of the price plus GST. The rate is negotiable and reflects the marketing and negotiation involved.
Do I pay Seller's Stamp Duty when I sell?
Only if you sell residential property within four years of buying it — about 16% in year one, 12% in year two, 8% in year three, 4% in year four, and nothing after four years.
What happens to the CPF I used to buy?
At completion the CPF used plus 2.5% accrued interest is refunded into your CPF account. It stays in CPF rather than coming to you as cash.