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🏘️ 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.

Stamp duty is the same either way. This only changes whether we point you at Help-To-Buy.

What buying costs you on top of the deposit

€7,300

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

Stamp duty
€3,500
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
€7,300

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 on residential property is 1% up to €1m, 2% from €1m to €1.5m and 6% above that, and it is the same for first-time buyers as for everyone else. Figures here are typical, not binding quotes.

Stamp Duty Rates

  • •All buyers: 1% on the first €1,000,000
  • •All buyers: 2% on the portion from €1,000,000 to €1,500,000
  • •All buyers: 6% on anything above €1,500,000
  • •There is no first-time buyer stamp duty exemption. The first-time buyer relief is Help-To-Buy, worth up to €30,000 on a new build.

💡 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 of a new build should check Help-To-Buy — it is worth far more than any stamp duty relief

What to do next

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