Calculate the true cost of buying a property, including GST, stamp duty, registration, and brokerage fees.
Quick load reference budgets to see tax allocations:
The advertised price of a property is rarely the full cost of buying it. Government taxes (GST, stamp duty, registration) and transaction costs (brokerage) are each calculated as a...
Two projects quoting an identical total property cost can display very different "price per sq.ft" figures depending on which area the builder measures against. Knowing the difference helps you compare quotes on a like-for-like basis.
The actual usable floor space inside your walls, excluding wall thickness. This is the smallest of the three figures and the one RERA requires builders to disclose.
Carpet area plus the wall thickness and balcony space. It's typically 10-15% larger than carpet area, which lowers the effective rate per sq.ft.
Built-up area plus a share of common spaces like lobbies, stairwells, and clubhouses. Most under-construction flats are priced on this larger figure.
Since the property cost calculator above works from the total agreement value you enter, it's worth checking which area definition that value is based on before comparing two properties side by side. This site also has dedicated carpet area and super built-up area calculators if you want to convert between the two.
The base price a builder or seller quotes is only the starting point. A property cost calculator adds stamp duty, registration fees, applicable GST, brokerage, and other charges on top so you see the actual amount you need to arrange before the deal closes.
Stamp duty and registration rates are set by state governments and vary by location, typically in the single-digit percentage range, with some states offering a small rebate for women buyers. Always confirm the current local rate with your sub-registrar or a local lawyer before finalizing your budget.
GST is generally charged when you buy a flat directly from a developer before it receives its completion certificate, but it typically does not apply to ready-to-move-in units or resale properties. Check with your builder which category your purchase falls under before assuming GST applies.
Many first-time buyers plan their savings and loan around the advertised property cost alone, then get caught off guard when stamp duty, registration, GST, and other charges add another 8-12% on top at the time of registration. Running your numbers through a property cost calculator early helps you avoid a last-minute funding gap.
If you used an agent, brokerage fees commonly range from 1-2% of the property value. Separately, most housing societies collect a one-time deposit for maintenance, parking allotment, and utility connections, which is worth budgeting for even though it is not a government charge.
Before signing the agreement to sell, request a written, itemized cost sheet covering the base price, stamp duty, registration, GST, brokerage, and any preferential-location or club-membership charges. Cross-check every line against your property cost calculator estimate so nothing gets added quietly later.
When you finance the purchase, the total amount you eventually pay is higher than the property cost because of loan interest over the tenure. Comparing lenders and loan tenures alongside your property cost estimate can meaningfully reduce your long-term outgo.
Quick answers about how this tool works.
Stamp Duty usually ranges from 4% to 8% of the property value, depending on the state and gender of the buyer. Registration fees are typically 1% of the property value or a fixed cap set by the local government.
GST is only applicable on under-construction residential properties (typically 1% for affordable housing and 5% for non-affordable housing). Ready-to-move-in properties with a Completion Certificate (CC) are exempt from GST.
Beyond the base cost, you must pay stamp duty, registration charges, जीएसटी (GST), brokerage, legal fees, parking fees, and maintenance deposits.
Stamp duty is a state government tax calculated as a percentage (typically 4% to 8%) of either the agreement value or circle rate, whichever is higher.
Plain-language explainers that sit next to this tool.
Stamp duty and registration charges can add lakhs to a property purchase. Here is how they are calculated and why the rate depends on your state.
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