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).

Average House Price in Dublin 2026: Full Breakdown by Area

Dublin remains Ireland's most expensive property market, but the city is far from uniform. Prices in 2026 range from under €300,000 in outer suburbs to over €1 million in premium southside areas.

Dublin City Averages (2026)

Area	Average Price	Annual Change
Dublin 4 (Ballsbridge, Donnybrook)	€920,000	+2.1%
Dublin 6 (Ranelagh, Rathmines)	€780,000	+1.8%
Dublin 14 (Dundrum, Rathfarnham)	€620,000	+2.4%
Dublin 12 (Crumlin, Kimmage)	€420,000	+3.1%
Dublin 15 (Blanchardstown, Castleknock)	€390,000	+3.6%
Dublin 24 (Tallaght, Firhouse)	€340,000	+4.2%

What's Driving Dublin Prices in 2026?

Supply remains the core problem. Despite record completions in 2024 and 2025, new housing construction has failed to keep pace with demand driven by:

Net inward migration: Ireland's tech sector continues attracting international workers
Household formation: More single-person and smaller households competing for the same stock
Buy-to-let exit: Many small landlords are selling, converting rental stock to owner-occupied

Where Is Value in Dublin?

D15 (Blanchardstown, Castleknock) has consistently outperformed — strong transport links (M50, Luas), newer stock, and prices still 30% below comparable southside areas.

D22 (Clondalkin) and D24 (Tallaght) offer the most affordable entry points with strong Luas Red Line access.

How to Check Live Prices

Use Gaffo's property search to see every house sold in any Dublin postcode directly from the Property Price Register — updated weekly with the latest data.

Or use our first-time buyer affordability calculator to see exactly what you can afford with your income and deposit.