Price-to-income ratios, deposit savings timeline and monthly mortgage burden for all 26 counties. Based on CSO county income data, PPR median prices and CBI mortgage rates.
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National Avg PTI
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Most Affordable County
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Least Affordable County
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Avg Years to Deposit
Personal Affordability Calculator
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All 26 Counties — Affordability Breakdown
County
Median Price
Avg Wage
PTI
Deposit Yrs
Monthly Mortgage
% Net Income
Band
Price-to-Income Ratio by County
Lower = more affordable. National benchmark: 6× is considered stretched; 4× is internationally affordable.
Years to Save a 10% Deposit
Assumes 15% of net income saved annually (after tax). FTB 10% deposit threshold.
Methodology & Limitations Median property prices from PPR 2022–present (full-market transactions). County gross wages from CSO CIA02 scaled to 2025 using Dublin EHECS benchmark. Net income calculated using Budget 2025 PAYE/USC/PRSI rates (standard band €44,000; USC 2% to €25,760; 4% to €70,044; PRSI 4.1%). Mortgage payment assumes FTB 10% deposit, 30-year term at current CBI average new mortgage rate. Deposit savings assumes 15% of net income saved annually. This tool provides indicative figures only and does not constitute financial advice. Always consult a qualified financial advisor before making property decisions.