How much can I borrow on a €100,000 salary in Ireland?
A home up to about
€444,444
On €100,000 a year, you could afford a home up to about €444,444 with a 10% deposit of €44,445. You'd also pay €4,444 stamp duty, so you'd need €48,889 in savings. The mortgage payment would be about €1,796 a month.
- Deposit
- €44,445
- Mortgage
- €399,999
- Payment a month
- €1,796
- Stamp duty
- €4,444
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €44,445 (10%) | €444,444 | €399,999 | €1,796 | €4,444 |
| €100,000 (20%) | €500,000 | €400,000 | €1,796 | €5,000 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €400,000 on €100,000. Second and later buyers can borrow up to 3.5 times (€350,000).
Assumes one first-time buyer borrowing up to 4 times their income under the Central Bank rules, at 3.5% over 30 years. The average rate on new Irish mortgages was 3.48% in July 2026 (Central Bank of Ireland).
- Central Bank rules let first-time buyers borrow up to 4 times their gross income, and second and later buyers up to 3.5 times, with incomes combined for couples. Lenders can make a limited number of exceptions.
- You need a deposit of at least 10%. Your savings pay the stamp duty (1% up to €1 million) first, and the rest goes towards the deposit. Legal and valuation fees are extra.
Frequently asked questions
How much can I borrow on a €100,000 salary in Ireland?
On €100,000 a year, you could afford a home up to about €444,444 with a 10% deposit of €44,445. You'd also pay €4,444 stamp duty, so you'd need €48,889 in savings. The mortgage payment would be about €1,796 a month.
How much deposit do I need on €100,000?
With €48,889 saved (€44,445 deposit plus €4,444 stamp duty), you could buy a home up to about €444,444. With €105,000 saved (€100,000 deposit plus €5,000 stamp duty), you could buy a home up to about €500,000.