Free calculator
Property buying cost calculator
Work out the cash you need on top of the price when you buy property in Pakistan: the FBR's advance tax, the stamp duty and other charges on the property transfer, the society's transfer fee, the agent's commission and the legal costs, for a filer and a non-filer.
- Tax year 2027 rates
- Every province and Islamabad
- Free, no sign-up
Calculator
Work out your buying costs
Give the price and the society's transfer fee, pick the province and your tax status, and add the agent's commission and your legal costs.
Cash needed on top of the price
- Advance tax
- Rs 250,000Section 236K, 1.25%
- Stamp duty and deed charges
- Rs 421,0002.11% of the price
- Transfer fee and commission
- Rs 260,000To the society and the agent
- In all, with the price
- Rs 2.1 croreRs 20,956,000
- Advance tax, section 236K1.25% of Rs 20,000,000, the price
- Rs 250,000
- Stamp dutyCheck before you pay1% of Rs 20,000,000
- Rs 200,000
- Registration feeFixed by the price on the deed
- Rs 1,000
- Local government tax (TMA)Check before you pay1% of Rs 20,000,000
- Rs 200,000
- PLRA e-registration chargeCheck before you pay0.1% of Rs 20,000,000
- Rs 20,000
- Society or authority transfer fee
- Rs 60,000
- Agent's commission1% of the price
- Rs 200,000
- Legal and document costs
- Rs 25,000
- On top of the price
- Rs 956,000
A non-filer buying the same property would pay Rs 2,806,000 on top of the price, Rs 1,850,000 more, because the advance tax is 10.5% instead of 1.25%.
Rates marked check before you pay were reported or estimated, not read in the law as it stands. Confirm them with the sub-registrar and change them under Provincial rates if yours differ.
Not included: the seller's own taxes, a home loan's fees, and any dues the society's no demand certificate shows, which the seller clears.
Tax and provincial rates as of September 2026. The advance tax is adjustable against your income tax for the year. Confirm the figures with the FBR, the sub-registrar or a tax adviser before you pay.
Reference
Taxes on a Rs 2 crore purchase, by province
The FBR's advance tax and the charges on the deed for a Rs 2 crore house or plot in a city, worked on the price, for tax year 2027.
| Province or territory | Deed charges | With advance tax, filer | With advance tax, non-filer |
|---|---|---|---|
| Punjab | 421,000 * | 671,000 | 2,521,000 |
| Sindh | 701,005 * | 951,005 | 2,801,005 |
| Khyber Pakhtunkhwa | 700,000 | 950,000 | 2,800,000 |
| Balochistan | 400,000 * | 650,000 | 2,500,000 |
| Islamabad Capital Territory | 800,000 * | 1,050,000 | 2,900,000 |
* Includes a rate marked check before you pay, or leaves out one that could not be confirmed; the stamp duty calculator shows which. Not included: the society's transfer fee, the agent's commission and legal costs. Rates as of September 2026.
How it is worked out
From the price to the cash you need
A property costs more than its price. On a property transfer the buyer pays the FBR's advance tax under section 236K, the province's stamp duty and the charges collected with it, the transfer fee of the housing society or authority where the property is in one, the agent's commission, and the legal and document costs. The calculator adds them up, line by line, on the price you give.
Advance tax is the largest line for most buyers, and it turns on the buyer's status on the day of the transfer: 1.25% of the value for a buyer on the Active Taxpayers List, and 10.5%, 14.5% or 18.5% for one who is not, by value, at the rates the Finance Act 2026 set for tax year 2027. It is charged on the price or the FBR's valuation table value, whichever is higher, and a filer sets it against the income tax for the year. The FBR's table is not the DC rate: stamp duty uses the DC rate.
The provincial charges are the stamp duty calculator's: stamp duty and the fee for registering the deed everywhere, capital value tax in Khyber Pakhtunkhwa and Islamabad, and the local council's tax on the transfer in Punjab, Sindh and Khyber Pakhtunkhwa. On a sale in a city they come to about 2.1% of the price in Punjab, 3.5% in Khyber Pakhtunkhwa and 4% in Islamabad.
A housing society or development authority charges its own transfer fee to move the plot or house into the buyer's name in its records, and each sets its own. CDA has taken 1% of the FBR value on its own properties since April 2026; DHA Islamabad-Rawalpindi's schedule charges a fixed sum by size, from Rs 30,000 up to 125 sq yd to Rs 150,000 up to 1,500 sq yd; private societies set their own, often a fixed fee by plot size. A plot outside any society, sold by registered deed, has no transfer fee of this kind.
An agent usually takes about 1% of the price from each side, and it is negotiable. A lawyer or deed writer, copies, searches and a check of the title add a smaller sum. None of these is a tax, so get them in writing before you commit. Rates as of September 2026; confirm the taxes with the FBR, the sub-registrar or a tax adviser before you pay.
Words you will hear
Terms on a property transfer
- Transfer fee
- What a housing society or development authority charges to record the new owner in its books. It is the society's charge, not a tax, and each society sets its own, usually by plot size.
- Advance tax (236K)
- The income tax the FBR collects from the buyer when a property transfer is registered: 1.25% for a filer in tax year 2027. A filer sets it against the income tax for the year.
- Active Taxpayers List (ATL)
- The FBR's list of people who have filed their return. Being on it on the day of the transfer is what makes a buyer a filer for the advance tax.
- FBR value and DC value
- Two separate official valuation tables. The FBR's sets the least value the advance tax is charged on; the district collector's, the DC rate, sets the least value stamp duty is charged on.
- NDC
- A no demand certificate from the society or authority, showing that no dues are outstanding on the property. It is needed before the transfer, and the seller clears any dues it shows.
Questions
Buying cost questions
Still have a question?
Ask our team during Pakistan business hours, in English or Urdu.
+92 333 2466662Chat on WhatsAppHow much is the property transfer fee in Pakistan?
There are two kinds. The government's charges on a property transfer, meaning stamp duty, the registration fee and local taxes, come to about 2.1% of the price in a Punjab city, 3.5% in Khyber Pakhtunkhwa and 4% in Islamabad. A housing society or authority's own transfer fee comes on top: CDA takes 1% of the FBR value on its own properties, and DHA Islamabad-Rawalpindi charges Rs 60,000 for a house or plot up to 250 sq yd. The calculator adds both to the advance tax and the commission.
What is the total cost of buying a house in Pakistan?
For a filer buying a Rs 2 crore house in a society in a Punjab city through an agent, about Rs 956,000 on top of the price, 4.78%: advance tax Rs 250,000, stamp duty and provincial charges Rs 421,000, commission Rs 200,000, a Rs 60,000 transfer fee and Rs 25,000 in legal costs. A non-filer would pay Rs 2,806,000.
What taxes do you pay when buying property in Pakistan in 2026?
The FBR's advance tax under section 236K, 1.25% of the value for a filer and 10.5% to 18.5% for a non-filer in tax year 2027, and the province's stamp duty, with a registration fee and in most provinces a local council tax, collected when the deed is registered. Khyber Pakhtunkhwa and Islamabad add a capital value tax. There has been no federal excise duty on property since July 2025.
What is the DHA transfer fee?
Each DHA sets its own schedule. DHA Islamabad-Rawalpindi's regulations (2023 update) charge an individual's normal transfer Rs 30,000 up to 125 sq yd, Rs 60,000 up to 250 sq yd, Rs 100,000 up to 500 sq yd and Rs 125,000 up to 1,000 sq yd, with half for a gift and a fifth for a transfer to legal heirs. DHAs in other cities charge differently, so ask the authority for its current fee and add it to the calculator.
How much more does a non-filer pay to buy property?
The advance tax is 10.5% of the value instead of 1.25% up to Rs 5 crore, and more above that. On a Rs 2 crore house that is Rs 1,850,000 more than a filer pays. A late filer who gets back on the Active Taxpayers List pays the filer rate; for an individual that costs a Rs 25,000 surcharge, far less than the difference.
Who pays the transfer fee, the buyer or the seller?
Usually the buyer pays the transfer fee and the charges on the deed, and the seller pays their own advance tax under section 236C, any capital gains tax, and whatever dues the society's no demand certificate shows. It varies by deal, so write it into the sale agreement.
Can I get the advance tax back?
A filer sets the advance tax against the income tax on the return for the year in which the property was bought, so it counts towards tax that would be due anyway. It is not a separate cost for a filer whose tax for the year is at least as much; confirm your own position with a tax adviser.
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