Every county: the ceilings, the prices and the local people
Checked 21 Oct 2026the First Home Scheme, the Local Authority Home Loan, the CSO and Revenue.
The schemes that help you buy have a different price ceiling in every county, and the councils set their own Local Property Tax adjustment. Pick your county for its figures, the calculators set to it, and quotes from professionals who work there.
Dublin
DublinDublin
- First Home Scheme ceiling
- €500,000
- Council loan ceiling
- €415,000
Rest of Leinster
CarlowRest of Leinster
- First Home Scheme ceiling
- €375,000
- Council loan ceiling
- €310,000to confirm
KildareRest of Leinster
- First Home Scheme ceiling
- €475,000
- Council loan ceiling
- €415,000
KilkennyRest of Leinster
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
LaoisRest of Leinster
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
LongfordRest of Leinster
- First Home Scheme ceiling
- €375,000
- Council loan ceiling
- €310,000to confirm
LouthRest of Leinster
- First Home Scheme ceiling
- €425,000
- Council loan ceiling
- €345,000
MeathRest of Leinster
- First Home Scheme ceiling
- €475,000
- Council loan ceiling
- €375,000
OffalyRest of Leinster
- First Home Scheme ceiling
- €375,000
- Council loan ceiling
- €310,000to confirm
WestmeathRest of Leinster
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €345,000
WexfordRest of Leinster
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
WicklowRest of Leinster
- First Home Scheme ceiling
- €500,000
- Council loan ceiling
- €415,000
Munster
ClareMunster
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €345,000
CorkMunster
- First Home Scheme ceiling
- €450,000City: €500,000
- Council loan ceiling
- €375,000
KerryMunster
- First Home Scheme ceiling
- €425,000
- Council loan ceiling
- €310,000to confirm
LimerickMunster
- First Home Scheme ceiling
- €450,000
- Council loan ceiling
- €345,000
TipperaryMunster
- First Home Scheme ceiling
- €375,000
- Council loan ceiling
- €310,000to confirm
WaterfordMunster
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €345,000
Connacht
GalwayConnacht
- First Home Scheme ceiling
- €450,000City: €475,000
- Council loan ceiling
- €375,000
LeitrimConnacht
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
MayoConnacht
- First Home Scheme ceiling
- €425,000
- Council loan ceiling
- €310,000to confirm
RoscommonConnacht
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
SligoConnacht
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
Cavan, Donegal and Monaghan
CavanCavan, Donegal and Monaghan
- First Home Scheme ceiling
- €375,000
- Council loan ceiling
- €310,000to confirm
DonegalCavan, Donegal and Monaghan
- First Home Scheme ceiling
- €400,000
- Council loan ceiling
- €310,000to confirm
MonaghanCavan, Donegal and Monaghan
- First Home Scheme ceiling
- €375,000
- Council loan ceiling
- €310,000to confirm
Information, not advice. The First Home Scheme ceilings are read from the scheme’s page and reviewed twice a year; the council loan ceilings marked “to confirm” sit in the band the 2026 guidance suggests until checked with the council. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.