How to use the property transfer cost calculator
- 1 Enter the property value: the higher of the agreed price and the FBR or district collector value for the area.
- 2 Choose the province or territory where the property is registered.
- 3 Set the buyer and seller as filer or non-filer, based on the Active Taxpayers' List.
- 4 Add any society, CDA or other transfer fee, then read the buyer, seller and total cost.
Worked example
A Rs 1.5 crore house in Lahore, with buyer and seller both filers. The buyer pays 1% stamp duty (Rs 150,000), the 1% TMA fee (Rs 150,000), registration fees of about Rs 16,000 and 1.25% 236K tax (Rs 187,500), a total of about Rs 503,500. The seller pays 2.75% 236C tax of Rs 412,500.
Paying less on a property transfer
- Be a filer: on a Rs 1.5 crore house a non-filer buyer pays 10.5% advance tax instead of 1.25%, an extra Rs 13.9 lakh on one deal.
- Check the valuation: tax is charged on the higher of the deed price and the FBR or DC value, so under-declaring the price does not reduce it.
- Ask the society first: DHA, Bahria and other societies charge their own transfer and NDC fees, which can be larger than the stamp duty.
- Keep the challans: 236K and 236C are advance taxes that filers adjust in their annual return, so keep every receipt.
Need only the FBR part? Use the Property Tax Calculator. Checking the plot first? Convert the size with the Marla Converter.
Features
Buyer and seller split
See exactly what the buyer pays and what the seller pays.
Filer vs non-filer
Non-filer rates of up to 18.5% are shown side by side with filer rates.
By province
Stamp duty and capital value tax for Punjab, Sindh, Islamabad and Khyber Pakhtunkhwa.
When to use it
Before buying a plot
Add the transfer cost to the price so your budget is complete. Converting the plot size first? Use the Marla Converter.
Selling a house
See the 236C advance tax deducted from the sale. Then check the price per marla with the Plot Price Calculator.
Becoming a filer
Compare the non-filer cost with the filer cost to see how much filing a return saves on one deal.
Overseas Pakistanis
Plan the cost of a transfer done through a power of attorney. Financing the rest? See the Home Loan Calculator.
Related Property and Land tasks
Frequently asked questions
What is the 236K tax rate in 2026-27?
Buyers on the Active Taxpayers' List pay 1.25% of the property value. Non-filers pay 10.5% up to Rs 50 million, 14.5% from Rs 50 million to Rs 100 million and 18.5% above Rs 100 million, under the Finance Act 2026.
What is the 236C tax rate in 2026-27?
Sellers on the Active Taxpayers' List pay 2.75% of the value, and non-filers pay 11.5%. It is advance tax that a filer can adjust against the tax due on the gain in the annual return.
Which value is used for the tax?
The higher of the price in the deed and the FBR valuation table value for the area. Provinces use their own valuation (DC rate) for stamp duty.
What is the stamp duty on property in Punjab?
Stamp duty on property transfers in Punjab is 1% of the value under the Stamp (Amendment) Ordinance 2026. Punjab also charges a 1% TMA transfer fee and registration fees, and does not charge capital value tax on houses and plots.
What do Sindh, Islamabad and KP charge?
Sindh charges about 2% stamp duty and 2% capital value tax, Islamabad 1% stamp duty and 2% CVT, and Khyber Pakhtunkhwa 1% stamp duty and 1% CVT. Some areas and property types differ, so check the challan at the registry.
Is FED still charged on property?
No. The federal excise duty on the first allotment and transfer of plots and commercial property was abolished in the 2025-26 budget, and the deemed income tax under section 7E was removed from tax year 2027.
Do housing societies charge a transfer fee?
Yes. DHA, Bahria Town and other societies charge their own transfer and NDC fees, which vary widely. Add the amount in the society fee box.
How do I become a filer to pay less tax?
File your income tax return on the FBR IRIS portal. Your name is added to the Active Taxpayers' List once the return is filed; if you file after the deadline you must also pay a surcharge to be added.
Is capital gains tax separate?
Yes. Capital gains on property bought after 1 July 2024 are taxed at 15% for filers in the annual return. The 236C advance tax is adjusted against it.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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