Every cost in one place — stamp duty, solicitor fees, Land Registry, valuation, surveys, insurance, LPT, and moving. No surprises on closing day.
Enter your details and hit calculate
Your full cost breakdown will appear here — every line item, from stamp duty to moving van.
The purchase price is only part of what you'll pay. Most buyers in Ireland face additional costs totalling 3–6% of the property price — money that needs to come from your savings on top of your deposit. Here's what's included:
Stamp duty is a tax on the transfer of property. For residential purchases in Ireland, the rate is 1% on the first €1 million, 2% on the portion between €1 million and €1.5 million, and 6% on anything above €1.5 million. For a typical €350,000 home, that's €3,500. There is no first-time buyer exemption from stamp duty. For new builds, stamp duty is calculated on the price before VAT.
Your solicitor handles the legal transfer of ownership. Fees typically range from €1,200 to €2,500 plus 23% VAT, with additional outlays for searches, certificates, and registrations. Always get a fixed-price quote rather than a percentage-based fee.
The Property Registration Authority charges fees based on property value: €600 for properties up to €200,000, €700 for €200,001–€400,000, and €800 for properties over €400,000. A separate €175 fee applies for mortgage registration.
Your mortgage lender requires a valuation (€150–€250). An independent buyer's survey (€300–€600) is optional but highly recommended — it can save thousands by identifying defects. For new builds, a snag list inspection costs €300–€600.
Legally required in Ireland when taking out a mortgage. It pays off your mortgage balance if you die. Costs vary by age and health, typically €25–€60 per month for a couple. You don't have to buy it from your lender — shop around.
Most lenders insist on home insurance covering both structure and contents. Annual costs typically range from €300 to €800 depending on property type, location, and cover level.
Every residential property owner pays annual LPT based on the property's market value. For a €350,000 home, expect approximately €350–€400 per year before any local authority adjustment. Some Dublin councils add a 15% surcharge.
Don't forget moving costs (€500–€1,500 for a professional move), utility connections, potential management fees for apartments, and the cost of any immediate repairs or upgrades. If you're buying a property with a poor BER rating, factor in the cost of energy upgrades — check your SEAI grant eligibility.
Looking for more? Use our First-Time Buyer Affordability Calculator to check your borrowing power, or explore the Help to Buy Estimator if you're buying a new build.
Free weekly updates on mortgage rates, government schemes, tax changes and new tools. Join 1,000+ Irish property owners.
Subscribe Free →