How much can I borrow on a €140,000 salary in Ireland?
A home up to about
€622,222
On €140,000 a year, you could afford a home up to about €622,222 with a 10% deposit of €62,223. You'd also pay €6,222 stamp duty, so you'd need €68,445 in savings. The mortgage payment would be about €2,515 a month.
- Deposit
- €62,223
- Mortgage
- €559,999
- Payment a month
- €2,515
- Stamp duty
- €6,222
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €62,223 (10%) | €622,222 | €559,999 | €2,515 | €6,222 |
| €140,000 (20%) | €700,000 | €560,000 | €2,515 | €7,000 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €560,000 on €140,000. Second and later buyers can borrow up to 3.5 times (€490,000).
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 €140,000 salary in Ireland?
On €140,000 a year, you could afford a home up to about €622,222 with a 10% deposit of €62,223. You'd also pay €6,222 stamp duty, so you'd need €68,445 in savings. The mortgage payment would be about €2,515 a month.
How much deposit do I need on €140,000?
With €68,445 saved (€62,223 deposit plus €6,222 stamp duty), you could buy a home up to about €622,222. With €147,000 saved (€140,000 deposit plus €7,000 stamp duty), you could buy a home up to about €700,000.