Data / New housing loan rate, fixed over 1 to 5 years / Ireland

New housing loan rate, fixed over 1 to 5 years in Ireland

New housing loan rate, fixed over 1 to 5 years in Ireland was 3.4% in August 2026, according to the European Central Bank. That is down 0.09 pts from August 2025. That is the 13th highest of 20 EU countries in August 2026.

August 20263.4%
Change on August 2025-0.09 pts
Rank13th of 20EU countries ranked
Series high4.18October 2023
Series low2.52April 2021
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New housing loan rate, fixed over 1 to 5 years in Ireland, July 2017 to August 2026

2.533.544.52017-072018-112020-032021-072022-112024-032025-072026-082017-07: 3.23 %2017-08: 3.19 %2017-09: 3.2 %2017-10: 3.19 %2017-11: 3.16 %2017-12: 3.08 %2018-01: 3.15 %2018-02: 3.11 %2018-03: 3.05 %2018-04: 3.02 %2018-05: 3.03 %2018-06: 3.01 %2018-07: 2.99 %2018-08: 2.94 %2018-09: 2.92 %2018-10: 2.88 %2018-11: 2.88 %2018-12: 2.9 %2019-01: 2.87 %2019-02: 2.87 %2019-03: 2.86 %2019-04: 2.84 %2019-05: 2.85 %2019-06: 2.87 %2019-07: 2.86 %2019-08: 2.84 %2019-09: 2.82 %2019-10: 2.81 %2019-11: 2.8 %2019-12: 2.8 %2020-01: 2.75 %2020-02: 2.78 %2020-03: 2.73 %2020-04: 2.72 %2020-05: 2.75 %2020-06: 2.71 %2020-07: 2.72 %2020-08: 2.72 %2020-09: 2.69 %2020-10: 2.68 %2020-11: 2.69 %2020-12: 2.68 %2021-01: 2.66 %2021-02: 2.7 %2021-03: 2.67 %2021-04: 2.52 %2021-05: 2.65 %2021-06: 2.63 %2021-07: 2.59 %2021-08: 2.64 %2021-09: 2.63 %2021-10: 2.56 %2021-11: 2.62 %2021-12: 2.62 %2022-01: 2.57 %2022-02: 2.67 %2022-03: 2.66 %2022-04: 2.54 %2022-05: 2.63 %2022-06: 2.63 %2022-07: 2.59 %2022-08: 2.57 %2022-09: 2.59 %2022-10: 2.53 %2022-11: 2.59 %2022-12: 2.69 %2023-01: 2.85 %2023-02: 2.96 %2023-03: 3.32 %2023-04: 3.42 %2023-05: 3.69 %2023-06: 3.9 %2023-07: 3.98 %2023-08: 3.98 %2023-09: 4.13 %2023-10: 4.18 %2023-11: 4.17 %2023-12: 4.13 %2024-01: 4.16 %2024-02: 4.18 %2024-03: 4.18 %2024-04: 4.12 %2024-05: 3.99 %2024-06: 3.95 %2024-07: 3.95 %2024-08: 3.93 %2024-09: 3.85 %2024-10: 3.69 %2024-11: 3.78 %2024-12: 3.59 %2025-01: 3.58 %2025-02: 3.57 %2025-03: 3.55 %2025-04: 3.53 %2025-05: 3.5 %2025-06: 3.51 %2025-07: 3.51 %2025-08: 3.49 %2025-09: 3.5 %2025-10: 3.47 %2025-11: 3.47 %2025-12: 3.42 %2026-01: 3.41 %2026-02: 3.41 %2026-03: 3.41 %2026-04: 3.41 %2026-05: 3.39 %2026-06: 3.4 %2026-07: 3.39 %2026-08: 3.4 %2.533.544.52017-072020-082023-092026-082026-08: 3.4 %
%. Source: ECB, ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 110 values
Period%
2026-083.4
2026-073.39
2026-063.4
2026-053.39
2026-043.41
2026-033.41
2026-023.41
2026-013.41
2025-123.42
2025-113.47 Series break
2025-103.47
2025-093.5
2025-083.49
2025-073.51
2025-063.51
2025-053.5
2025-043.53
2025-033.55
2025-023.57
2025-013.58
2024-123.59
2024-113.78
2024-103.69
2024-093.85
2024-083.93
2024-073.95
2024-063.95
2024-053.99
2024-044.12
2024-034.18
2024-024.18
2024-014.16
2023-124.13
2023-114.17
2023-104.18
2023-094.13
2023-083.98
2023-073.98
2023-063.9
2023-053.69
2023-043.42
2023-033.32
2023-022.96
2023-012.85
2022-122.69
2022-112.59
2022-102.53
2022-092.59
2022-082.57
2022-072.59
2022-062.63
2022-052.63
2022-042.54
2022-032.66
2022-022.67
2022-012.57
2021-122.62
2021-112.62
2021-102.56
2021-092.63
2021-082.64
2021-072.59
2021-062.63
2021-052.65
2021-042.52
2021-032.67
2021-022.7
2021-012.66
2020-122.68
2020-112.69
2020-102.68
2020-092.69
2020-082.72
2020-072.72
2020-062.71
2020-052.75
2020-042.72
2020-032.73
2020-022.78
2020-012.75
2019-122.8
2019-112.8
2019-102.81
2019-092.82
2019-082.84
2019-072.86
2019-062.87
2019-052.85
2019-042.84
2019-032.86
2019-022.87
2019-012.87
2018-122.9
2018-112.88
2018-102.88
2018-092.92
2018-082.94
2018-072.99
2018-063.01
2018-053.03
2018-043.02
2018-033.05
2018-023.11
2018-013.15
2017-123.08
2017-113.16
2017-103.19
2017-093.2
2017-083.19
2017-073.23

Ireland compared with nearby places

Austria: 3.5 %Belgium: 3.91 %Bulgaria: 3.02 %Cyprus: 3.27 %Germany: 4.03 %Estonia: 8.13 %Spain: 4.11 %Finland: 3.68 %France: 3.43 %Greece: 2.9 %Croatia: 2.72 %Ireland: 3.4 %Italy: 3.8 %Lithuania: 4.86 %Latvia: 7.75 %Malta: 1.71 %Netherlands: 4.18 %Portugal: 2.88 %Slovenia: 3.29 %Slovakia: 3.73 %
  • Under 3
  • 3 to 3.4
  • 3.4 to 3.8
  • 3.8 to 4.1
  • 4.1 and over
  • No data
New housing loan rate, fixed over 1 to 5 years, August 2026, %. Ireland is outlined. Same source and period for every area shown. Source: European Central Bank. Boundaries: Natural Earth (public domain).

Rankings

Definition

Monthly average annual interest rate on new euro loans to households for house purchase, with initial rate fixation over 1 and up to 5 years.

The band describes the initial interest rate fixation period, not the contractual loan maturity. New agreements include renegotiations. Rates are weighted by the amounts agreed during the month. Annualised agreed rates or narrowly defined effective rates (AAR/NDER) cover interest and exclude fees and other charges. Household figures include non-profit institutions serving households. Corporations are non-financial companies. The euro area aggregate has changing membership. Country histories vary and missing values are not filled.

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How to cite

European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

European Central Bank. (n.d.). ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N) (New housing loan rate, fixed over 1 to 5 years, Ireland, 2017-07 to 2026-08) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N), New housing loan rate, fixed over 1 to 5 years, Ireland, 2017-07 to 2026-08. European Central Bank, https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/ireland. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). New housing loan rate, fixed over 1 to 5 years, Ireland, 2017-07 to 2026-08. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/ireland.

Harvard

European Central Bank (no date) ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N), New housing loan rate, fixed over 1 to 5 years, Ireland, 2017-07 to 2026-08 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/ireland (Accessed: 12 October 2026).

BibTeX
@misc{european_new_housing_loan_rate_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N): New housing loan rate, fixed over 1 to 5 years, Ireland, 2017-07 to 2026-08}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/ireland. Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N): New housing loan rate, fixed over 1 to 5 years, Ireland, 2017-07 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/ireland
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/housing-loan-rate-fixed-over-one-to-five-years/ireland.
N1  - Publisher attribution: European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2C.I.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Questions

What is the new housing loan rate, fixed over 1 to 5 years in Ireland?

New housing loan rate, fixed over 1 to 5 years in Ireland was 3.4% in August 2026, according to the European Central Bank. That is down 0.09 pts from August 2025. That is the 13th highest of 20 EU countries in August 2026.

Where does this figure come from?

European Central Bank. ECB MIR: New housing loan rate, fixed over 1 to 5 years (M.<area>.B.A2C.I.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest new housing loan rate, fixed over 1 to 5 years in Ireland?

4.18% in October 2023, the highest value since July 2017 in this series.

New housing loan rate, fixed over 1 to 5 years elsewhere in European Union (27)

Related statistics for Ireland

All statistics for Ireland | Ireland in figures