Is it cheaper to buy or rent in Ireland right now?

It depends on your time horizon. In most Irish cities like Dublin and Cork, buying becomes cheaper than renting after 4-7 years due to equity build-up and RPZ rent caps. Use our buy vs rent calculator to compare your specific situation with accurate property prices and rental costs.

How much is stamp duty in Ireland?

Stamp duty in Ireland is 1% on the first €1,000,000 and 2% on any amount above that for residential properties. First-time buyers purchasing new builds under €500,000 are exempt from stamp duty.

How much deposit do I need to buy a house in Ireland?

First-time buyers need a 10% deposit (90% LTV mortgage) while non-first-time buyers need 20%. For a €350,000 house, that's €35,000 for first-time buyers or €70,000 for others. Additional costs include legal fees (€2,500), survey (€500), and bank fees (€1,200).

What is the average house price in Ireland 2026?

The average house price in Ireland in 2026 is €365,000 nationally. Dublin averages €540,000, Cork €340,000, Galway €360,000, and Limerick €310,000. Regional areas range from €210,000 to €290,000. Use our market stats tool to see live prices by county.

How much can I borrow for a mortgage in Ireland?

Under Central Bank rules, you can borrow up to 3.5 times your gross annual income (4x in exceptional cases). For example, a €50,000 salary qualifies for a €175,000 mortgage. Couples combine incomes - €90,000 combined = €315,000 mortgage. Use our mortgage calculator for your exact affordability.

What is the Help to Buy scheme in Ireland?

The Help to Buy scheme provides first-time buyers with a tax rebate of up to €30,000 (10% of property value, max €500,000 property) when purchasing a new build. You must have paid income tax for at least 4 years and use the property as your main residence.

Are house prices in Ireland going up or down in 2026?

House prices in Ireland are projected to rise 3-5% in 2026 due to continued supply shortages and strong demand. Dublin growth is moderating to 2-3%, while regional cities like Cork, Galway, and Limerick are seeing 5-7% growth. Check our market trends for live county-by-county data.

Is buying a house in Ireland a good investment?

Buying in Ireland can be a good investment with average rental yields of 4-6% and historical price appreciation of 4-5% annually. However, it depends on location, property type, and your time horizon. Use our buy vs rent calculator to compare against alternative investments like stocks (5% average return).

How much does it cost to buy a house in Ireland including all fees?

For a €350,000 house, total costs are: deposit €35,000 (10%), stamp duty €3,500 (or €0 for new builds), legal fees €2,500, survey €500, bank fees €1,200, and moving costs €1,000. Total: approximately €43,700. First-time buyers can reduce this with Help to Buy (up to €30,000 rebate).

What is property tax in Ireland?

Local Property Tax (LPT) in Ireland ranges from €90 to €1,755 annually depending on your property's market value. Properties valued at €350,000 pay approximately €315 per year. LPT is payable by all residential property owners and is based on your property's 2013 valuation (next revaluation in 2025).

How do I compare property prices between Irish towns?

Use the Gaffo Compare tool to select up to 3 towns or counties and instantly see side-by-side average prices, annual growth, rental yields, transport scores, and quality-of-life metrics sourced from the Property Price Register.

Which Irish county has the highest property price growth?

Based on recent PPR data, counties like Kerry, Louth, and Wicklow have seen some of the strongest price growth, driven by remote-worker demand and limited supply. Use the Compare tool to see live figures for any county combination.

What is the most affordable commuter town near Dublin?

Towns like Newbridge, Drogheda, Mullingar, and Longford offer among the best value within commuting distance of Dublin. Compare them directly on Gaffo to find the best fit for your budget and commute time.

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Side-by-side comparison of prices, growth, yield, and quality of life across Ireland.

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Galway CitySwords

Galway City Swords

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€250k€425k€600k€775k€950k

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Best value highlighted in green

Metric	Galway City	Swords
Avg Price	€385k Best	€425k
Annual Growth	+6.8% Best	+5.2%
Rental Yield	5.8% Best	4.8%
Dublin Distance	186 km	13 km
Nearest Airport	64 km (Shannon)	5 km (Dublin) Best
Transport Score	7/10 Best	7/10
Safety Score	7.6/10	8.3/10 Best
Schools	4	4

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How to Compare Irish Property Markets

Our comparison tool pulls data from the Property Price Register to give you real, verified sale prices — not asking prices. Select up to 3 locations and instantly see average prices, annual growth, and rental yields side-by-side.

The Transport Score is calculated based on access to Luas, DART, rail, and motorway links. The Safety Score is a heuristic combining property values and population density.

Use the Quick Compare presets to instantly load popular comparisons like Dublin suburbs vs commuter belt towns.

Looking for more detail? Click any town name to see full market history, recent sales, and local price trends. Or head to our Mortgage Calculator to work out affordability.

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How to Compare Irish Property Markets