How much can I borrow on a €65,000 salary in Ireland?
A home up to about
€288,889
On €65,000 a year, you could afford a home up to about €288,889 with a 10% deposit of €28,889. You'd also pay €2,889 stamp duty, so you'd need €31,778 in savings. The mortgage payment would be about €1,168 a month.
- Deposit
- €28,889
- Mortgage
- €260,000
- Payment a month
- €1,168
- Stamp duty
- €2,889
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €28,889 (10%) | €288,889 | €260,000 | €1,168 | €2,889 |
| €65,000 (20%) | €325,000 | €260,000 | €1,168 | €3,250 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €260,000 on €65,000. Second and later buyers can borrow up to 3.5 times (€227,500).
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 €65,000 salary in Ireland?
On €65,000 a year, you could afford a home up to about €288,889 with a 10% deposit of €28,889. You'd also pay €2,889 stamp duty, so you'd need €31,778 in savings. The mortgage payment would be about €1,168 a month.
How much deposit do I need on €65,000?
With €31,778 saved (€28,889 deposit plus €2,889 stamp duty), you could buy a home up to about €288,889. With €68,250 saved (€65,000 deposit plus €3,250 stamp duty), you could buy a home up to about €325,000.