How much can I borrow on a €80,000 salary in Ireland?
A home up to about
€355,556
On €80,000 a year, you could afford a home up to about €355,556 with a 10% deposit of €35,556. You'd also pay €3,556 stamp duty, so you'd need €39,112 in savings. The mortgage payment would be about €1,437 a month.
- Deposit
- €35,556
- Mortgage
- €320,000
- Payment a month
- €1,437
- Stamp duty
- €3,556
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €35,556 (10%) | €355,556 | €320,000 | €1,437 | €3,556 |
| €80,000 (20%) | €400,000 | €320,000 | €1,437 | €4,000 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €320,000 on €80,000. Second and later buyers can borrow up to 3.5 times (€280,000).
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 €80,000 salary in Ireland?
On €80,000 a year, you could afford a home up to about €355,556 with a 10% deposit of €35,556. You'd also pay €3,556 stamp duty, so you'd need €39,112 in savings. The mortgage payment would be about €1,437 a month.
How much deposit do I need on €80,000?
With €39,112 saved (€35,556 deposit plus €3,556 stamp duty), you could buy a home up to about €355,556. With €84,000 saved (€80,000 deposit plus €4,000 stamp duty), you could buy a home up to about €400,000.