Free Tool
Total Cost of Ownership Calculator
The REAL cost of owning a property — beyond the sticker price. State-wise stamp duty rates with gender-based differences for all Indian states.
Total Cost of Ownership
The REAL cost of owning a property — beyond the sticker price.
Women get lower stamp duty rates in most states
True Cost of Ownership
₹1,21,50,000
That's 22% above the sticker price
Property Price₹1,00,00,000
Stamp Duty (5%)₹5,00,000
Registration Fee₹1,00,000
GST (if applicable)—
Legal & Brokerage₹50,000
Interiors & Furnishing₹8,00,000
Maintenance (over 10 yrs)₹5,00,000
Property Tax (over 10 yrs)₹2,00,000
Total Cost of Ownership₹1,21,50,000
Last updated: March 2026. Rates may vary by locality.