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Mortgage Calculator: Ireland

Work out your full monthly mortgage payment and what it costs to buy, with each country's own transfer tax, mortgage insurance and property tax. 15 countries.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

Stamp duty: 1% to a million, and no first-time buyer relief

Irish stamp duty on a home runs 1% up to 1,000,000, 2% from 1,000,000 to 1,500,000 and 6% above that, applied marginally. The rates have been in force since 2 October 2024 and Budget 2026 left them alone.

The notable part is what is missing. Unlike Britain, Ireland has no first-time buyer exemption: the same scale applies to everyone, so a first purchase at 360,000 pays 3,600 like any other. Buying ten or more houses in a year triggers a 15% rate instead, which this calculator does not model.

Borrowing is capped by the Central Bank, not by insurance

Irish lending has no mortgage insurance. The Central Bank's macroprudential rules do the work instead: a first-time buyer can borrow up to four times gross income and up to 90% of the price, with a limited allowance for exceptions each year. That is why the deposit here opens at 10% and why the constraint on an Irish purchase is usually the income multiple rather than the monthly payment.

Local property tax is a self-assessed banded charge on value rather than a rate on the purchase price, so the 0.09% shown is an equivalent, not a formula Revenue uses. Solicitor, valuation and survey costs are modest by European standards, around 1.5% of the price.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Irish stamp duty and purchase costsRevenueWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.