How much can I borrow on a €130,000 salary in Ireland?
A home up to about
€577,778
On €130,000 a year, you could afford a home up to about €577,778 with a 10% deposit of €57,778. You'd also pay €5,778 stamp duty, so you'd need €63,556 in savings. The mortgage payment would be about €2,335 a month.
- Deposit
- €57,778
- Mortgage
- €520,000
- Payment a month
- €2,335
- Stamp duty
- €5,778
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €57,778 (10%) | €577,778 | €520,000 | €2,335 | €5,778 |
| €130,000 (20%) | €650,000 | €520,000 | €2,335 | €6,500 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €520,000 on €130,000. Second and later buyers can borrow up to 3.5 times (€455,000).
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 €130,000 salary in Ireland?
On €130,000 a year, you could afford a home up to about €577,778 with a 10% deposit of €57,778. You'd also pay €5,778 stamp duty, so you'd need €63,556 in savings. The mortgage payment would be about €2,335 a month.
How much deposit do I need on €130,000?
With €63,556 saved (€57,778 deposit plus €5,778 stamp duty), you could buy a home up to about €577,778. With €136,500 saved (€130,000 deposit plus €6,500 stamp duty), you could buy a home up to about €650,000.