Cost of Living in Ireland in 2026
Learn everything you need to know about Living Cost in Ireland and get end-to-end expert guidance from us.
Ireland’s booming economy and status as a European tech hub offer incredible career prospects, but this opportunity often comes with concerns about high living costs. Here is a crucial insight: Ireland also boasts one of Europe's highest minimum wages, offering a unique chance to earn while you learn. This makes the cost of living in Ireland far more manageable than headlines suggest.
Before breaking down your monthly budget, you must meet the minimum financial requirements set by the Irish government. This is a non-negotiable step for your student visa application. As of late 2025, the Irish Immigration Service Delivery (ISD) requires students from non-EEA countries to demonstrate access to sufficient funds to cover their living expenses.
You must prove you have access to a minimum of €10,000 for the academic year, in addition to your full course fees. This must be demonstrated by showing immediate access to the full €10,000 at the time of your application or initial registration.
This article will provide you with the real numbers and practical strategies—from budgeting to part-time work—to show you how your investment in an Irish education can be both affordable and immensely valuable for your future career.
Cost of Living in Ireland: Dublin vs. Other Major Cities
Your living expenses in Ireland will be your second biggest cost after tuition, and location plays a huge role. While Dublin offers many opportunities, it is also the most expensive city. Cities like Cork, Galway, and Limerick provide a high-quality student experience at a more affordable price point. Understanding these differences is key to effective financial planning. Here’s a comparative look at estimated monthly expenses:
| Expense | Dublin | Cork | Galway / Limerick |
|---|---|---|---|
| Accommodation (Shared) | €700 - €1,200 | €600 - €900 | €550 - €850 |
| Food & Groceries | €300 - €400 | €250 - €350 | €250 - €350 |
| Public Transport | €100 - €130 | €70 - €90 | €60 - €80 |
| Utilities & Mobile | €100 - €150 | €90 - €130 | €80 - €120 |
| Personal Expenses | €200 - €300 | €150 - €250 | €150 - €250 |
| Estimated Monthly Total | €1,400 - €2,180 | €1,160 - €1,720 | €1,090 - €1,650 |
This breakdown highlights why exploring affordable universities in Ireland outside of the capital can significantly lower your overall study abroad cost.
Accommodation Expenses in Ireland
Accommodation will be your largest monthly outlay. The ongoing housing crisis has driven up prices, especially for on-campus options.
- On-Campus Accommodation: Expect to pay between €8,000 and €14,000+ per academic year, particularly at universities in Dublin.
- Private Rentals (Shared Apartment/House): A single room in a shared flat can range from €850/month in Dublin to €550/month in smaller cities.
Important Point: Although it is mandated that on paper, i.e., the Visa Rule, you are expected to show proof of access to €10,000 for an academic year, due to the various inflation costs, the rental prices across Ireland have increased, which thus reflects in the abovementioned cost variations across different parts of the country.
Always make sure that you are aware of the latest rental costs around the university you have chosen to study at in Ireland. You can reach out to AECC to get the latest information so that you are prepared at the time of your arrival.
Other Essential Monthly Expenses
Beyond accommodation, your budget will consist of several key expenses. Smart planning, especially with groceries and transport, can lead to significant savings. The Student Leap Card is essential for cutting travel costs, while cooking your own meals will be far cheaper than eating out. Please note that private health insurance is a mandatory, non-negotiable requirement for your visa and registration. Here's a clear breakdown of what to expect for these essential costs.
| Expense Category | Monthly Estimate | Key Information |
|---|---|---|
| Food and Groceries | €350 - €450 | Budget supermarkets, such as Lidl and Aldi, are the most cost-effective. |
| Public Transportation | €50 - €60 | A Student Leap Card provides fare caps, making this predictable and low-cost. |
| Utilities | €80 - €120 | Includes electricity, heating & internet. This is an estimated cost when split between housemates. |
| Personal Expenses | €170 - €270 | Includes a mobile plan (~€20), academic supplies, social life, and other personal items. |
How to Fund Your Studies
Scholarships
One of the best ways that you can ease your burden regarding the funds that you require to study is through scholarships. For International students, the two main types of scholarships are government-funded and university-specific.
The most prestigious is the Government of Ireland International Education Scholarship (GOI-IES). This highly competitive award provides a full tuition fee waiver and a €10,000 stipend for one year of master's or PhD study. To get it, you must first have an offer from an Irish university and then submit a separate application showcasing academic excellence and a strong personal statement.
Additionally, nearly all Irish universities offer merit-based scholarships directly to international students. These typically provide a partial tuition fee reduction, ranging from €2,000 to €5,000. In many cases, you are automatically considered for these when you apply for your course, based on your academic performance. Always check your chosen university's website for specific details and deadlines. Alternatively, you can also reach out to us at AECC, and we can guide you through finding the right scholarship for your courses so you can relax and focus on your studies without worrying about the financial strain.
Part-Time Work for Students in Ireland
A great way to offset the cost of living in Ireland is by working part-time. Students on a Stamp 2 visa are permitted to work:
- Up to 20 hours per week during term time.
- Up to 40 hours per week during university holiday periods (June-September and mid-December to mid-January).
As of 2025, the national minimum wage in Ireland is €12.70 per hour. This means you can earn over €1,000 per month during term time, which can significantly cover your living expenses.
How to Save Money and Budget Effectively in Ireland
- Get a Student Leap Card Immediately: This is non-negotiable for saving on transport.
- Shop Smart: Do your main grocery shopping at budget supermarkets like Lidl and Aldi.
- Cook in Batches: Cooking your own meals is far cheaper than eating out.
- Leverage Student Discounts: Use apps like UNiDAYS and always ask if a student discount is available.
- Open an Irish Bank Account: Avoid international transaction fees and make it easier to get paid from a part-time job.
Learning about the cost of living in Ireland is a critical part of your study abroad preparations. While the figures may seem daunting, a combination of smart budgeting, choosing the right city, and using part-time work opportunities makes it an achievable goal. Ireland offers a world-class education and an unforgettable cultural experience that is a worthy investment in your future. Now that you have a clear financial roadmap, the next step is to make your academic dream a reality.
Should you require personalised guidance to help you choose the right university, manage your finances, and navigate the entire application process seamlessly, contact AECC today for a free consultation, and let us help you plan your perfect educational journey to Ireland!