How much can I borrow on a €95,000 salary in Ireland?
A home up to about
€422,222
On €95,000 a year, you could afford a home up to about €422,222 with a 10% deposit of €42,223. You'd also pay €4,222 stamp duty, so you'd need €46,445 in savings. The mortgage payment would be about €1,706 a month.
- Deposit
- €42,223
- Mortgage
- €379,999
- Payment a month
- €1,706
- Stamp duty
- €4,222
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €42,223 (10%) | €422,222 | €379,999 | €1,706 | €4,222 |
| €95,000 (20%) | €475,000 | €380,000 | €1,706 | €4,750 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €380,000 on €95,000. Second and later buyers can borrow up to 3.5 times (€332,500).
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 €95,000 salary in Ireland?
On €95,000 a year, you could afford a home up to about €422,222 with a 10% deposit of €42,223. You'd also pay €4,222 stamp duty, so you'd need €46,445 in savings. The mortgage payment would be about €1,706 a month.
How much deposit do I need on €95,000?
With €46,445 saved (€42,223 deposit plus €4,222 stamp duty), you could buy a home up to about €422,222. With €99,750 saved (€95,000 deposit plus €4,750 stamp duty), you could buy a home up to about €475,000.