What Salary Do You Need to Buy a House in Ireland?
Enter a property price and your deposit to see the gross income a mortgage would need — to the Central Bank rules (first-time buyers 4× income, movers 3.5×, 10% minimum deposit) — plus the estimated monthly repayment.
Gross income you’d need
€78,750 / year
4× income for a €315,000 mortgage · single or combined
- Mortgage needed
- €315,000
- Min. deposit (10%)
- €35,000
- Est. monthly repayment
- €1,468
Estimate only, to the Central Bank of Ireland mortgage measures (first-time buyers 4× income, movers 3.5×, 90% max loan-to-value). The income can be a single salary or two combined. Lenders apply a limited number of exceptions and also assess repayment capacity and stress testing. See the mortgage affordability calculator for the forward version. Not financial advice.
Frequently asked questions
- What salary do I need to buy a €350,000 house in Ireland?
- With a 10% deposit (€35,000) you need a €315,000 mortgage. Under the Central Bank limit of 4× income for first-time buyers, that needs a gross income of about €78,750 — a single salary or two incomes combined. The calculator works out any price and deposit.
- How much deposit do I need to buy a home in Ireland?
- At least 10% of the purchase price — the Central Bank caps the mortgage at 90% of the property value (loan-to-value). On a €350,000 home that is €35,000. First-time buyers may also use the Help to Buy scheme toward a new-build deposit.
- How many times my salary can I borrow?
- First-time buyers can borrow up to 4 times gross income; movers and second-plus buyers up to 3.5 times. Lenders can exceed these limits on a limited share of their lending, and approval also depends on repayment capacity and stress testing.
See also the mortgage affordability calculator, the take-home pay calculator, and our mortgage guide.