How much can I borrow on a €145,000 salary in Ireland?
A home up to about
€644,444
On €145,000 a year, you could afford a home up to about €644,444 with a 10% deposit of €64,445. You'd also pay €6,444 stamp duty, so you'd need €70,889 in savings. The mortgage payment would be about €2,604 a month.
- Deposit
- €64,445
- Mortgage
- €579,999
- Payment a month
- €2,604
- Stamp duty
- €6,444
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €64,445 (10%) | €644,444 | €579,999 | €2,604 | €6,444 |
| €145,000 (20%) | €725,000 | €580,000 | €2,604 | €7,250 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €580,000 on €145,000. Second and later buyers can borrow up to 3.5 times (€507,500).
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 €145,000 salary in Ireland?
On €145,000 a year, you could afford a home up to about €644,444 with a 10% deposit of €64,445. You'd also pay €6,444 stamp duty, so you'd need €70,889 in savings. The mortgage payment would be about €2,604 a month.
How much deposit do I need on €145,000?
With €70,889 saved (€64,445 deposit plus €6,444 stamp duty), you could buy a home up to about €644,444. With €152,250 saved (€145,000 deposit plus €7,250 stamp duty), you could buy a home up to about €725,000.