How much deposit do I need for a €500,000 house in Ireland?
See the standard deposit maths for a €500,000 Irish home and why the deposit is only part of the upfront cash requirement.
Page checked: 21 October 2026
Standard 10% deposit example
The Central Bank LTV limit is only one constraint. Income, affordability and lender criteria also matter.
Stamp duty and other costs
At €500,000, the standard residential stamp duty at 1% is €5,000. You should also allow for legal and other transaction costs rather than treating the full cash balance as a deposit.
Cash needed before other buying costs
| Item | Illustrative amount |
|---|---|
| 10% deposit | €50,000 |
| Residential stamp duty (1%) | €5,000 |
| Deposit plus stamp duty | €55,000 |
This subtotal does not include solicitor/conveyancing fees, valuation or survey costs, moving expenses, insurance, repairs or an emergency cash buffer. Legal costs vary by provider and transaction, so obtain a written quote rather than treating an online estimate as a fixed price.
Stamp duty is calculated on the property consideration, separately from the mortgage deposit. Confirm the applicable rate with Revenue’s current residential stamp-duty guidance.
Our affordability calculator subtracts estimated buying costs before applying the mortgage limits.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates