MORTGAGES & HOME BUYING
Local Property Tax Calculator Ireland 2026
Estimate 2026 Local Property Tax from the 2026–2030 valuation bands and your local authority adjustment.
Updated 9 October 2026
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Property Tax Calculator Ireland 2026: Enter your home’s value as at 1 November 2025 and choose your local authority. This LPT calculator uses Revenue’s 2026–2030 valuation bands and the selected council’s 2026 Local Adjustment Factor to show estimated annual Local Property Tax and monthly budgeting equivalent.
Important: Do not automatically use today’s asking price or subtract your mortgage balance. Council adjustments can change in later LPT years. For the bands and exemptions, see Local Property Tax Ireland 2026–2030.
How to calculate Local Property Tax in Ireland
To work out your Irish property tax, use the property’s value on the statutory valuation date, find the applicable Revenue valuation band and adjust the basic charge for the relevant local authority. Enter those details above to estimate your annual and monthly LPT for 2026.
- Use the property’s value as at 1 November 2025, rather than a current asking price or your remaining mortgage.
- Select the local authority where the property is situated.
- Check the resulting annual LPT figure and its monthly budgeting equivalent.
- Confirm any liability, exemptions, deferrals or changed local adjustment factors with Revenue’s Local Property Tax guidance.
Property tax rates are not the same as mortgage rates or stamp duty. The 2026–2030 valuation bands are distinct from any local adjustment factors that may be decided for individual years. See our Local Property Tax Ireland guide for the band framework and exceptions.
What this calculator is for
This calculator estimates 2026 Local Property Tax (LPT) using Revenue’s valuation bands for the 2026–2030 valuation period and the 2026 Local Adjustment Factor for the local authority you select.
It shows:
- the valuation band used;
- the Revenue basic LPT amount;
- the selected local authority adjustment percentage;
- the euro value of that adjustment;
- estimated annual LPT;
- a monthly budgeting equivalent;
- the effective LPT rate relative to the property value entered.
The monthly figure is only a budgeting aid. It does not mean Revenue necessarily collects the charge in twelve equal instalments.
How Local Property Tax is calculated in Ireland
For a property within Revenue’s banded system, the calculator maps the relevant market value to the 2026–2030 valuation band, takes the Revenue basic LPT amount for that band, and then applies the selected local authority’s 2026 Local Adjustment Factor.
In simplified form:
estimated LPT = Revenue basic LPT × (1 + local adjustment factor)
The value entered should relate to the applicable LPT valuation date. Exemptions, deferrals and special treatment can change what is actually due.
The key date is 1 November 2025
For the 2026–2030 LPT valuation period, Revenue says the relevant self-assessed property value is the value as at 1 November 2025.
That valuation determines the LPT charge for the years 2026 to 2030.
This point is easy to miss. If general property prices rise after November 2025, you do not simply type today’s higher market value into the calculator and assume that is automatically the correct LPT valuation for the current valuation period.
Revenue’s guidance states that the 1 November 2025 valuation continues to apply through the period and the next general valuation date is 1 November 2030.
2026–2030 valuation bands
Revenue currently uses 19 fixed valuation bands for properties up to €2.1 million.
Examples include:
| Band | Property value | Basic annual LPT |
|---|---|---|
| 1 | €1–€240,000 | €95 |
| 2 | €240,001–€315,000 | €235 |
| 3 | €315,001–€420,000 | €333 |
| 4 | €420,001–€525,000 | €428 |
| 5 | €525,001–€630,000 | €523 |
The calculator contains the full published band schedule through €2.1 million.
Because ordinary LPT is banded, the tax does not rise smoothly by one euro every time the property value rises by one euro. Moving across a band boundary can create a step change in the basic charge.
Worked example: €400,000 property in Meath
A €400,000 value falls in the €315,001–€420,000 band.
Revenue’s published basic charge for that band is €333.
For 2026, Meath County Council’s Local Adjustment Factor is 0%, so the estimated annual charge remains €333.
For budgeting, that is €27.75 per month.
The mortgage balance does not enter the calculation. LPT is based on the relevant property valuation, not the owner’s equity.
Same value, different local authority
The Local Adjustment Factor can cause two properties in the same valuation band to have different final LPT charges.
Using the same €333 Band 3 basic charge:
- a -15% local adjustment produces €283.05;
- a 0% adjustment produces €333;
- a +15% adjustment produces €382.95.
Revenue states that local authorities can vary the basic rate by up to 15%.
The calculator uses Revenue’s published 2026 adjustment for each listed local authority.
Properties above €2.1 million
Properties valued above €2.1 million do not use a fixed band charge.
Revenue’s current formula is based on the actual declared market value and applies:
- 0.0906% to the first €1.26 million;
- 0.25% to the portion between €1.26 million and €2.1 million;
- 0.3% to the portion above €2.1 million.
The calculator switches automatically to that actual-value formula when the entered value exceeds €2.1 million, then applies the selected Local Adjustment Factor.
LPT is self-assessed
Revenue describes LPT as a self-assessed tax.
Revenue provides an interactive valuation tool that can help identify the average valuation band in an area, but Revenue also notes that the area result does not determine the value of an individual property.
Relevant property-specific factors can include size, age, condition, bedrooms and unique features.
This Compound calculator does not value your home. It calculates the tax from the value you supply.
Do not subtract the mortgage
LPT is not a tax on your net equity.
If a property is valued at €400,000 for LPT purposes and has a €300,000 mortgage, the calculator still uses the €400,000 property value.
The debt is relevant to your household finances, but not to the LPT valuation-band arithmetic.
Annual ownership cost, not buying cost
LPT is different from Stamp Duty.
- Stamp Duty is a transaction tax connected with the property transfer.
- LPT is an annual tax on residential property, subject to the LPT rules.
When comparing renting and buying, LPT belongs on the recurring ownership-cost side of the model.
The Rent vs Buy Calculator can include recurring ownership costs in a broader scenario.
For the cash needed to purchase a home, use the House Buying Costs Calculator instead.
Exemptions, deferrals and liability are separate
This calculator assumes you want the arithmetic charge for the value and authority entered.
It does not determine:
- whether the property is liable for LPT;
- whether an exemption applies;
- whether payment can be deferred;
- who is the liable person;
- whether a special property rule changes the position.
Those are legal and administrative questions covered by Revenue’s LPT guidance.
Changes to the property during 2026–2030
Revenue’s published guidance says the self-assessed 1 November 2025 valuation determines the charge for 2026–2030 and gives the example that an extension added in 2027 does not require the owner to update the valuation until the next valuation date in 2030.
That does not mean every LPT circumstance stays frozen: liability, exemptions, ownership and other rules can still matter.
The point for this calculator is narrower: do not automatically revalue an existing property every year simply because market prices moved.
Why the monthly equivalent helps
LPT is small relative to many mortgage payments, but it is still part of the cost of ownership.
Showing an annual bill only can make it easier to leave out of a monthly household budget.
The calculator therefore divides the estimated annual charge by 12 as a planning figure. Add it to other recurring housing costs such as insurance, maintenance, management fees where applicable and energy.
Common mistakes to avoid
Entering today’s market value instead of the relevant valuation-date value
For the current period, the important valuation date is 1 November 2025.
Subtracting the mortgage
LPT is based on property value, not equity.
Ignoring the Local Adjustment Factor
The same Revenue band can produce a different final bill in different local authorities.
Assuming the calculator establishes an exemption
It does not.
Treating the monthly equivalent as a Revenue payment schedule
It is just the annual estimate divided by 12 for budgeting.
Frequently asked questions
What value should I enter for 2026 LPT?
The self-assessed value relevant to the 1 November 2025 valuation date, subject to Revenue’s valuation rules.
Does my mortgage reduce LPT?
No. The mortgage balance is not deducted from the property value for this calculation.
Is LPT identical across Ireland?
No. Local Adjustment Factors can increase or decrease the basic charge.
Will a higher house price in 2028 automatically move me into a new band?
Revenue says the 1 November 2025 valuation determines the 2026–2030 charge and general price changes during the period do not require a new valuation.
Does this calculator determine whether I am exempt?
No. Check Revenue’s current LPT exemption and liability guidance.
Why does the tax jump at some values?
Properties up to €2.1 million use valuation bands with fixed basic charges, so crossing a band boundary creates a step change.
Method and limitations
For values up to €2.1 million, the calculator maps the value entered to Revenue’s published 2026–2030 valuation band and basic charge.
For values above €2.1 million, it applies Revenue’s current actual-value formula.
It then applies the published 2026 Local Adjustment Factor for the selected authority.
The calculator does not establish the correct legal valuation, liability, exemptions, deferrals, ownership position or payment method. Local Adjustment Factors can change by year, so the page is explicitly labelled for 2026.
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