What Can I Afford in Dublin?
Enter your income and savings to see which Dublin districts are within reach. Based on Central Bank of Ireland lending rules and real-world historical sale prices.
Max Purchase Price
€0
Max Mortgage
€0
4x income
Monthly Repayment
€0
Stress Test
€0
Dublin Districts
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How this calculator works
The Central Bank of Ireland sets loan-to-income (LTI) limits for residential mortgages. First-time buyers can borrow up to 4 times their gross annual income. Second and subsequent buyers are limited to 3.5 times.
Your maximum purchase price is your maximum mortgage plus your deposit. District median prices are based on the most recent full year of Property Price Register data (2025).
The stress test shows what your monthly payment would be if rates rose by 2 percentage points. This is not a Central Bank requirement — individual lenders apply their own stress tests (typically +2% to +3%) when assessing affordability.
The Central Bank also sets a loan-to-value (LTV) limit of 90% for all buyers, meaning you need at least a 10% deposit. A warning will appear if your deposit is below this threshold.
Lenders may apply additional criteria (employment type, existing debts, property type) that could reduce your borrowing capacity below the LTI limit. This calculator is for guidance only.
Found your price range?
Use our Mortgage Calculator to see detailed monthly repayments and a full amortization schedule.
Not sure whether to buy?
Try our Rent vs Buy Calculator to compare the true cost of renting vs buying over time.
This calculator is for illustration purposes only. It applies Central Bank of Ireland loan-to-income limits (4× for FTBs, 3.5× for non-FTBs) and loan-to-value limits (90% LTV / 10% minimum deposit). The stress test is illustrative — lenders apply their own rates. This tool does not account for individual lender criteria, existing debts, or employment type. Lenders may exceed LTI limits for a small proportion of lending. District median prices are from the Property Price Register. Always consult a qualified mortgage adviser before making financial decisions.