Affordability in Waterford
What a budget reaches across the Eircode areas of Waterford: the median sale price for each area, a general illustration of what it takes to buy, and the county average rent for 2025 Q4. Plain facts, grouped by area — nothing here rates or ranks a place.
Average rent in Waterford
Average rents from tenancies registered with the Residential Tenancies Board, 2025 Q4. Rent is published by town or county, not per Eircode area — the label shows which applies here.
Eircode areas of Waterford · 9
Each Eircode area with a median sale price from the Property Price Register, A–Z. The “what it takes” line is a general illustration for the median home, never a personalised calculation.
Median home €319,000. Illustratively about €1,290/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €71,800 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €319,000. Illustratively about €1,290/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €71,800 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €314,000. Illustratively about €1,270/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €70,700 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €314,000. Illustratively about €1,270/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €70,700 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €280,000. Illustratively about €1,130/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €63,000 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €314,000. Illustratively about €1,270/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €70,700 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €280,000. Illustratively about €1,130/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €63,000 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €314,000. Illustratively about €1,270/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €70,700 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →Median home €314,000. Illustratively about €1,270/month as a first-time buyer with a 10% deposit over 30 years, at a representative rate of 3.49% (as of June 2026), and about €70,700 gross income needed to satisfy the Central Bank loan-to-income limit.
Illustrative only, not financial advice. Your borrowing depends on your circumstances and lender.
Central Bank mortgage rules →