How much can I borrow on a €185,000 salary in Ireland?
A home up to about
€822,222
On €185,000 a year, you could afford a home up to about €822,222 with a 10% deposit of €82,223. You'd also pay €8,222 stamp duty, so you'd need €90,445 in savings. The mortgage payment would be about €3,323 a month.
- Deposit
- €82,223
- Mortgage
- €739,999
- Payment a month
- €3,323
- Stamp duty
- €8,222
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €82,223 (10%) | €822,222 | €739,999 | €3,323 | €8,222 |
| €185,000 (20%) | €925,000 | €740,000 | €3,323 | €9,250 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €740,000 on €185,000. Second and later buyers can borrow up to 3.5 times (€647,500).
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 €185,000 salary in Ireland?
On €185,000 a year, you could afford a home up to about €822,222 with a 10% deposit of €82,223. You'd also pay €8,222 stamp duty, so you'd need €90,445 in savings. The mortgage payment would be about €3,323 a month.
How much deposit do I need on €185,000?
With €90,445 saved (€82,223 deposit plus €8,222 stamp duty), you could buy a home up to about €822,222. With €194,250 saved (€185,000 deposit plus €9,250 stamp duty), you could buy a home up to about €925,000.