How much can I borrow on a €125,000 salary in Ireland?
A home up to about
€555,556
On €125,000 a year, you could afford a home up to about €555,556 with a 10% deposit of €55,556. You'd also pay €5,556 stamp duty, so you'd need €61,112 in savings. The mortgage payment would be about €2,245 a month.
- Deposit
- €55,556
- Mortgage
- €500,000
- Payment a month
- €2,245
- Stamp duty
- €5,556
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €55,556 (10%) | €555,556 | €500,000 | €2,245 | €5,556 |
| €125,000 (20%) | €625,000 | €500,000 | €2,245 | €6,250 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €500,000 on €125,000. Second and later buyers can borrow up to 3.5 times (€437,500).
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 €125,000 salary in Ireland?
On €125,000 a year, you could afford a home up to about €555,556 with a 10% deposit of €55,556. You'd also pay €5,556 stamp duty, so you'd need €61,112 in savings. The mortgage payment would be about €2,245 a month.
How much deposit do I need on €125,000?
With €61,112 saved (€55,556 deposit plus €5,556 stamp duty), you could buy a home up to about €555,556. With €131,250 saved (€125,000 deposit plus €6,250 stamp duty), you could buy a home up to about €625,000.