First time buyers in Dublin needed an average deposit of €50,000 last year, according to the Central Bank.
Most people who bought homes in Ireland in 2016 had a deposit of 20%. For first time buyers that was closer to 15% of the value of a home.
Despite the slightly lower percentage, it still meant Dublin first time buyers needed an average down-payment of 50k compared to €25,000 down the country.
The Central Bank stats also show that one fifth of buyers inherited money in the years before they purchased. The average amount was €20,000.
Deposits are huge in Dublin because its home to the dearest properties in the country. And that of course is down to the dreaded 's' word... supply!
Founder of the Irish Financial Review, Frank Conway, has told 98FM News that on the other side of the coin, some homeowners can't find people to sell to:
"Homeowners who might sell or trade are finding it very difficult to find someone to buy that property because there aren't enough switcher mortgages out there, while there are other people still in negative equity who can't trade out of it."
When asked what's going to give, Frank believes NAMA is going to have to help address the supply issue.
"NAMA has a lot of suitable property out there and what homeowners and would-be homeowners would like are suitable properties were there are amenities, transportation and schools. That is going to have to come one stream."