How much can I borrow on a €170,000 salary in Ireland?
A home up to about
€755,556
On €170,000 a year, you could afford a home up to about €755,556 with a 10% deposit of €75,556. You'd also pay €7,556 stamp duty, so you'd need €83,112 in savings. The mortgage payment would be about €3,054 a month.
- Deposit
- €75,556
- Mortgage
- €680,000
- Payment a month
- €3,054
- Stamp duty
- €7,556
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €75,556 (10%) | €755,556 | €680,000 | €3,054 | €7,556 |
| €170,000 (20%) | €850,000 | €680,000 | €3,054 | €8,500 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €680,000 on €170,000. Second and later buyers can borrow up to 3.5 times (€595,000).
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 €170,000 salary in Ireland?
On €170,000 a year, you could afford a home up to about €755,556 with a 10% deposit of €75,556. You'd also pay €7,556 stamp duty, so you'd need €83,112 in savings. The mortgage payment would be about €3,054 a month.
How much deposit do I need on €170,000?
With €83,112 saved (€75,556 deposit plus €7,556 stamp duty), you could buy a home up to about €755,556. With €178,500 saved (€170,000 deposit plus €8,500 stamp duty), you could buy a home up to about €850,000.