A person earning €40,000 and getting a mortgage 3.5 times their gross income comes to €140,000.
This, in addition to the standard 10% deposit for first-time buyers, gives you €154,000 to find your perfect home.
With that in mind, we have compiled a list of the best houses available for €154,000 or less in each county.
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Carlow
28 Dolmen Mews, Kilkenny Road, Carlow Town - €150,000
This three-bedroom semi-detached house is located on the banks of the River Barrow.
Just five minutes from the M9 intersection, this property is roughly a 40 minute drive from Dublin.
Cavan
23 River Run, Lough Dooley, Belturbet, Co. Cavan - €150,000
This three-bedroom, five-bathroom detached house is in a private gated development.
Just a fifteen-minute drive from Cavan town, this property has a mezzanine on the first floor giving spectacular countryside views.
The property has a stunning modern open-plan interior.
Clare
12 Church Drive, Clarecastle, Ennis, Co. Clare - €145,000
This three-bedroom end-of terrace house has a large back garden with a lot of potential.
The property is located in the heart of Clarecastle Village and is within walking distance of all local amenities and services.
Cork
20 Main Street, Drimoleague, West Cork - €120,000
This stunning west cork home is located on Drimoleague’s main street.
The two-bedroom townhouse is just a 20-minute drive to Bantry.
Donegal
46 Manorview Park, Letterkenny, Donegal - €149,000
This spacious five-bedroom house is located within walking distance of Letterkenny town centre.
The property includes a living room, kitchen/dining area and four double bedrooms on the first floor, one of which is ensuite.
Dublin
24 Manor Place, Ongar, Dublin 15 - €149,950
This one-bedroom apartment is in good condition and has a clean interior in need of some TLC.
Galway
Cortonrue, Tuam, Galway - €150,000
This unfinished four-bedroom house comes on a half-acre site 6km outside of Tuam town centre.
It’s an ideal opportunity for purchasers to complete to personal taste & style.
Kerry
42A Bruach Na Gaile, Moyvane, Kerry - €139,000
This three-bedroom semi-detached property includes an entrance hallway, kitchen, living room, downstairs bathroom, 3 bedrooms (1 ensuite) and a family bathroom.
Located in the village of Moyvane, it’s approximately 11.5km from Listowel and 8.2km from Tarbert.
Kildare
Rose Cottage, Levitstown, Athy, Co. Kildare - €150,000
This surprising bungalow has an incredible modern interior.
The two-bedroom property is located 7km from Athy.
Kilkenny
Kildrinagh, Woodsgift, Urlingford, Kilkenny - €150,000
Although in need of a complete renovation, this farmhouse comes on 0.60 acres of land and has a lot of potential.
This three-bedroom property is 18.5 kilometres from Kilkenny city.
Laois
72 Rush Hall, Mountrath, Co. Laois - €145,000
This three-bedroom house is 15km from Portlaoise.
It has an entrance Hall, sitting Room, kitchen, utility, three bedrooms one of which is en-suite, and a main bathroom.
Leitrim
1 Mac Raghnaill Court Lough Rinn, Mohill, Leitrim - €145,000
This three-bedroom, three-bath house is located on the grounds of Lough Rynn Castle Estate.
This property has never been lived in but requires flooring throughout and kitchen appliances.
Limerick
5 Gleann Dáire , Ardagh, Limerick - €150,000
This four-bedroom semi-detached house is roughly 40 minutes outside of Limerick city.
Longford
6 Beech Wood, Prospect Woods, Longford, Longford - €149,000
This three-bedroom end of terrace house is a ten-minute walk from Longford town centre.
Louth
5 Distillery Lane, Ashwalk, Ardee, Co. Louth - €145,000
This two-bedroom townhouse is located within walking distance of the town of Ardee.
Mayo
124 The Maples, Ballyhaunis, Mayo - €149,000
This three-bedroom semi-detached house is in great condition and qualifies for the Help to Buy scheme for first time buyers.
Meath
Apt. 46 The Anchorage, Bettystown, Meath - €150,000
This two-bedroom apartment is located right next to Bettystown beach.
Monaghan
21 Magherarney, Smithborough, Monaghan - €135,000
This two-bedroom semi-detached house includes an entrance hall leading into an open plan Kitchen, Living and Dining room on the ground floor and two double bedrooms and a family bathroom on the first floor.
Offaly
2G Clonmullen Hall, Edenderry, Offaly - €120,000
This ground floor two-bedroom apartment is centrally located in Edenderry.
Roscommon
Formerly The Widow Pats, Knockcroghery Village, Co. Roscommon - €150,000
This former pub and restaurant located in Knockcroghery has a bar and kitchen as well as a large yard and garden.
Grants are available for conversion.
Sligo
8 Rockwood Court, Sligo City, Sligo - €149,000
This two-bedroom townhouse is located within the city centre.
Tipperary
40 Glenview Square, Tipperary Town, Tipperary - €150,000
This three-bedroom house is in great condition with a modern interior.
The property benefits from a C2 BER rating, ensuring low energy costs year round.
Waterford
Brown Street, Portlaw, Co. Waterford - €150,000
Just 19.9km from Waterford city, this terraced house has recently been fully renovated including being fully rewired, having new plumbing installed, and a new kitchen.
Westmeath
2 Payne`s Lane, Athlone, Co. Westmeath - €145,000
Although the interior needs a complete renovation, this two-bedroom semi-detached bungalow is located in the centre of Athlone town.
Wexford
56 Lower Mount Carmel, New Ross, Co. Wexford - €149,000
This quirky three-bedroom house is located in a cul-de-sac development just minutes from the town centre.
Wicklow
31 The Mill, Mill Street, Baltinglass, Co. Wicklow - €154,000
This two-bedroom apartment comes with an enclosed balcony overlooking the River Slaney.
The property is a short walk from Baltinglass Town Centre.
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