Irish Household Wealth Hits €1.3 Trillion
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Published just weeks ago, the Central Bank of Ireland’s Quarterly Household Wealth Report for Q3 2025 reveals that total Irish household net wealth has reached a new record high of €1.3 trillion. For mortgage brokers, wealth managers, and credit unions, these figures are both promising and insightful, offering a snapshot of the broader financial landscape that can guide future strategies.
A Record High Driven by Property
In Q3 2025, Irish households saw an increase of €48.3 billion in net wealth, with housing assets making up the largest portion of this rise. Property values surged by €31.1 billion over the quarter, almost entirely due to price revaluations. As a result, property now accounts for 67.7% of total household wealth. The CSO’s Residential Property Price Index shows a 7.3% increase in property prices over the year to October 2025, with the median dwelling price now at €381,000.
Financial Assets: Deposits and Pensions Leading the Way
Beyond property, financial assets now total €570.3 billion, driven largely by deposits (€215.7 billion) and insurance and pension entitlements (€260.3 billion). According to the CSO’s Household Saving Report for Q3 2025, households saved 14.8% of their disposable income during the quarter, surpassing the recent annual average. This was bolstered by €48 billion in total disposable income for the quarter.
Debt: A Positive Trend
One of the most encouraging trends in this report is the decline in household debt. The debt-to-income ratio stands at approximately 85%, a significant improvement from the over 200% ratio seen at the peak of the financial crisis. In fact, the Central Bank’s Financial Stability Review (November 2025) indicates that, even under adverse economic conditions, the number of households unable to service debt payments would remain manageable.
This reduction in debt relative to income reflects a much more stable financial environment compared to the last decade.
Wealth Inequality: Progress, But the Gap Remains
While the headline figures suggest broad-based wealth growth, the wealth distribution remains a key concern. The Gini coefficient for wealth inequality in Ireland stands at 64.8, a notable improvement from the series high of 72.4 in 2013. However, the top 10% of households still hold about 49% of total net wealth, while the bottom 50% control less than 9%.
Read the Full Reports
Central Bank of Ireland — Quarterly Household Wealth Report Q3 2025 (February 2026)