🏘️ PROPERTY & UTILITIES

Property Buying
Cost Calculator

Calculate stamp duty, legal fees, and total costs when buying a home in Ireland

⚠️Legal Disclaimer – Read Before Using This Tool

This property buying cost calculator uses only publicly published rates, bands, and rules from official Irish Government sources. It is NOT financial, tax, legal, or regulated advice. Results are approximate and for general guidance only. Your individual situation may vary. We accept no responsibility or liability for any reliance placed on these results. Always confirm with the official body (Revenue, RTB, SEAI, etc.) or a qualified professional.

What buying costs you on top of the deposit

€3,800

On a €350,000 purchase. This is cash you need available at closing — it cannot be borrowed as part of the mortgage.

Stamp duty (first-time buyer relief applied)
€0
Solicitor fees
€2,000
Surveyor or engineer
€600
Property valuation
€200
Searches
€150
Land Registry fees
€600
Mortgage processing
€250
Total on top of your deposit
€3,800

Solicitor and surveyor fees are quoted rather than fixed, so shop around — the spread between quotes on the same job is often several hundred euro. Stamp duty is 1% up to €1m and 2% above it, with higher rates on bulk purchases of houses. Figures here are typical, not binding quotes.

Stamp Duty Rates

  • First Time Buyers: No stamp duty on first €500,000
  • All buyers: 1% on first €1,000,000
  • All buyers: 2% on balance over €1,000,000

💡 Budgeting Tips

  • Total buying costs typically 3-5% of property price
  • Get solicitor quotes early - fees vary significantly
  • Always get a structural survey on older properties
  • First time buyers save significant money on stamp duty

What to do next

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