How much can I borrow on a €180,000 salary in Ireland?
A home up to about
€800,000
On €180,000 a year, you could afford a home up to about €800,000 with a 10% deposit of €80,000. You'd also pay €8,000 stamp duty, so you'd need €88,000 in savings. The mortgage payment would be about €3,233 a month.
- Deposit
- €80,000
- Mortgage
- €720,000
- Payment a month
- €3,233
- Stamp duty
- €8,000
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €80,000 (10%) | €800,000 | €720,000 | €3,233 | €8,000 |
| €180,000 (20%) | €900,000 | €720,000 | €3,233 | €9,000 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €720,000 on €180,000. Second and later buyers can borrow up to 3.5 times (€630,000).
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 €180,000 salary in Ireland?
On €180,000 a year, you could afford a home up to about €800,000 with a 10% deposit of €80,000. You'd also pay €8,000 stamp duty, so you'd need €88,000 in savings. The mortgage payment would be about €3,233 a month.
How much deposit do I need on €180,000?
With €88,000 saved (€80,000 deposit plus €8,000 stamp duty), you could buy a home up to about €800,000. With €189,000 saved (€180,000 deposit plus €9,000 stamp duty), you could buy a home up to about €900,000.