Tool
Property Transfer Tax Calculator
Property tax rates were cut sharply this year and the old value slabs were scrapped altogether. Put in what the property is worth and see what the transfer costs you now, whether you are buying or selling.
Payable by you as buyer
Rs 225,000
On Rs 10,000,000 as a filer
| Advance tax, section 236K1.25% filer rate | Rs 125,000 |
| Stamp duty1% in Punjab | Rs 100,000 |
| Total shown here | Rs 225,000 |
This covers the federal advance tax, which is the same everywhere in Pakistan, plus Punjab stamp duty where it applies. It does not include the registration fee, capital value tax, municipal or TMA charges, society and DHA transfer fees, or capital gains tax on a profit. Those are set locally and you should budget for them on top.
What changed this year
Two things, and both are large. The rates came down: buyers were paying up to 3 percent and now pay 1.25, sellers were on as much as 5.5 percent and now pay 2.75. And the slab system went, so the percentage no longer climbs with the value of the property. Anything you read that quotes different rates by property band predates the Finance Act 2026.
The late filer category was also removed. Under the old rules, filing late put you in a middle tier that cost more than a filer but less than a non filer. That tier no longer exists, so you are either on the Active Taxpayer List on the day of transfer or you pay double.
Budget for what is not here
The figures above are the federal advance tax, which is identical in every province, plus Punjab stamp duty. A real transfer also attracts a registration fee, capital value tax, municipal or TMA charges, and in a private scheme the society or DHA transfer fee, which can be substantial on its own. Those are set district by district, so we do not print numbers we cannot stand behind. Ask the registry or the society office for their current schedule.
Capital gains tax is separate again. The advance tax under 236C is withheld at the point of transfer and adjusted later against what you actually owe, so a sale at a loss can leave you due a refund rather than a bill.
Frequently asked questions
How much tax does a property buyer pay in Pakistan?
Advance tax under section 236K is 1.25 percent of fair market value for filers and 2.5 percent for non filers. In Punjab, stamp duty of 1 percent is payable on top.
How much tax does a seller pay?
Advance tax under section 236C is 2.75 percent of the consideration for filers and 5.5 percent for non filers. That is withheld at transfer, and it is separate from any capital gains tax on your profit.
Do the old property value slabs still apply?
No. The Finance Act 2026 replaced the slab structure with one flat rate per section, so a fifty lakh flat and a five crore house are charged at the same percentage.
What happened to the late filer category?
It is gone. The Finance Act 2026 omitted Rule 1A of the Tenth Schedule, so there are now only two positions: on the Active Taxpayer List, or not.
How much does filing save on a property purchase?
Exactly half the advance tax, because the non filer rate is double throughout. On a one crore purchase that is Rs 125,000 saved for the buyer and Rs 275,000 for the seller.
Is the tax charged on my price or the FBR value?
Section 236K works off fair market value and 236C off the consideration received. Where the FBR valuation table is higher than what you actually paid, the higher figure is what gets used.
Before you sign anything
Rates are those set by the Finance Act 2026 for tax year 2026-27. Punjab stamp duty of 1 percent has applied uniformly to urban and rural property since 10 April 2026. Pakistan Era is not a tax adviser.