How much can I borrow on a €75,000 salary in Ireland?
A home up to about
€333,333
On €75,000 a year, you could afford a home up to about €333,333 with a 10% deposit of €33,334. You'd also pay €3,333 stamp duty, so you'd need €36,667 in savings. The mortgage payment would be about €1,347 a month.
- Deposit
- €33,334
- Mortgage
- €299,999
- Payment a month
- €1,347
- Stamp duty
- €3,333
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €33,334 (10%) | €333,333 | €299,999 | €1,347 | €3,333 |
| €75,000 (20%) | €375,000 | €300,000 | €1,347 | €3,750 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €300,000 on €75,000. Second and later buyers can borrow up to 3.5 times (€262,500).
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 €75,000 salary in Ireland?
On €75,000 a year, you could afford a home up to about €333,333 with a 10% deposit of €33,334. You'd also pay €3,333 stamp duty, so you'd need €36,667 in savings. The mortgage payment would be about €1,347 a month.
How much deposit do I need on €75,000?
With €36,667 saved (€33,334 deposit plus €3,333 stamp duty), you could buy a home up to about €333,333. With €78,750 saved (€75,000 deposit plus €3,750 stamp duty), you could buy a home up to about €375,000.