How much can I borrow on a €165,000 salary in Ireland?
A home up to about
€733,333
On €165,000 a year, you could afford a home up to about €733,333 with a 10% deposit of €73,334. You'd also pay €7,333 stamp duty, so you'd need €80,667 in savings. The mortgage payment would be about €2,964 a month.
- Deposit
- €73,334
- Mortgage
- €659,999
- Payment a month
- €2,964
- Stamp duty
- €7,333
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €73,334 (10%) | €733,333 | €659,999 | €2,964 | €7,333 |
| €165,000 (20%) | €825,000 | €660,000 | €2,964 | €8,250 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €660,000 on €165,000. Second and later buyers can borrow up to 3.5 times (€577,500).
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 €165,000 salary in Ireland?
On €165,000 a year, you could afford a home up to about €733,333 with a 10% deposit of €73,334. You'd also pay €7,333 stamp duty, so you'd need €80,667 in savings. The mortgage payment would be about €2,964 a month.
How much deposit do I need on €165,000?
With €80,667 saved (€73,334 deposit plus €7,333 stamp duty), you could buy a home up to about €733,333. With €173,250 saved (€165,000 deposit plus €8,250 stamp duty), you could buy a home up to about €825,000.