Free · no sign-up · rules last checked 23 Oct 2026

How much house can I afford Ireland

A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.

Costs on top of the price

€7,000

Any buyer ·

2.0% of the price

Stamp duty€3,500

Solicitor€3,000

Survey€500

Cash needed if you buy outright€357,000

Price

What do you want to work out?

The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.

Savings you can put in

Household income a year, before tax

Most you'd pay a month (optional)

Interest rate % (example)

You could buy a home up to about

€405,00024.0% deposit

Mortgage

€308,000

Deposit

€97,446

Buying costs

€7,554

Monthly repayment

€1,453

If rates rise 1%

€1,635

Savings used

€105,000

Your income sets the limit: lenders in Ireland commonly lend up to about 4 times income. Another €11,000 of income would add about €44,000.

Use this priceSee every tax and fee at €405,000

Up to dateRules last updated 14 Oct 2026Checked against official sources 23 Oct 2026Next check by 30 Oct 2026 · checked every weekSelling and lending figures checked 17 Oct 2026 · Sources: centralbank.ie, revenue.ie · How we work it out

A rough guide from common lending limits in Ireland (up to about 4 times income, at most 90% of the price, terms up to 35 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.

Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

🇬🇧United KingdomStamp duty 0–12%🇺🇸United StatesClosing costs 2–5%🇪🇸SpainITP 6–13% or VAT 10%🇫🇷FranceNotaire 7–8%🇮🇹ItalyRegistration 2–9%🇵🇹PortugalIMT + 0.8% stamp 🇩🇪GermanyTransfer tax 3.5–6.5%🇮🇪IrelandStamp duty 1–6%🇳🇱NetherlandsTransfer tax 0–8%🇧🇪BelgiumRegistration 2–12.5%🇦🇹Austria3.5% + 1.1% registry 🇬🇷GreeceTransfer tax 3.09%🇨🇾CyprusTransfer fee 3–8%🇲🇹MaltaStamp duty 5%🇭🇷CroatiaTransfer tax 3%🇦🇪Dubai (UAE)DLD fee 4%🇦🇺AustraliaStamp duty by state 🇳🇿New ZealandNo stamp duty 🇨🇦CanadaLand transfer tax

Next steps

Get quotes · Ireland

Buying in Ireland: common questions

How much can I borrow for a home in Ireland?

Lenders in Ireland commonly lend up to about 4 times your household income before tax, if your spending and debts allow it.

How much deposit do I need to buy in Ireland?

Lenders usually lend up to about 90% of the price to people who live in Ireland, so you need a deposit of at least 10%. On top of that, buying costs come to about 2.0% of the price. If you live abroad, many lenders lend at most 70%.

How much is stamp duty on €350,000 in Ireland?

Any buyer: stamp duty is about €3,500. All buying costs together come to about €7,000, or 2.0% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in Ireland?

No. Foreign buyers pay the same purchase taxes as local buyers in Ireland. Some rules on who can buy, or which rate applies, can still depend on where you live.

Can foreigners buy property in Ireland?

No limits on foreign buyers, and the same stamp duty.

What do I need to buy a home in Ireland from abroad?

An Irish solicitor. A PPS number if you'll take an Irish mortgage.

When were these Ireland rules last checked?

We last updated the figures on 14 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.