Detached homes 1919–1945: ratings and costs

A pre-1970 detached house on oil, rated F/GEnergy rating F/G

Grants you’d get: €23,000
It costs about: €42,400
You pay: €13,300 – €18,100
Saves you each year: about €4,150
Pays for itself in: about 5 years

The commonest home on file — 21,637 like it. Change an answer above for yours.

Modelled, not observed payments. Middle case €18,106; a quarter of these homes are over €25,076. Repaid in 4.5–6.4 years. Confidence 0.9. One job in this list has no SEAI median price, so its cost is an estimate.

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This is the job list that suits most homes like yours (3 in 10). The money above is the middle of every route we priced, so it will not add up to this list exactly.

Attic insulation — a thicker blanket in the roof space. Half a day, nobody moves out, you lose some storage height.
Roof U-value → 0.16 W/m²K (≈300 mm). Cost €2,000 · grant €1,500 · you pay €500.
Costs about €2,500 · grant €2,000 · you pay €520
Wall insulation — the walls get a warm coat: pumped into the cavity (a morning), fitted inside (rooms shrink about 10 cm, redecorate, one to two weeks) or wrapped outside (scaffolding, new render, two to four weeks). We pick what your walls allow.
Cavity → 0.55, €1,550 · grant €1,300 · pay €250. Internal → 0.27, €10,420 · €3,500 · €6,920. External → 0.21, €23,247 · €6,000 · €17,247. Pre-1970 solid walls can't take cavity fill.
Costs about €9,000 · grant €4,500 · you pay €4,500
New windows and doors — double or triple glazed, fitted a room at a time over two to three days. You need not do every window, but the grant is paid once.
Whole-window U → 1.4 W/m²K. Estimate: €490/m² of window (no SEAI median), about €9,085 on a semi-detached house. Grant €3,000 + €800/door (max 2).
Estimated at €13,700 · grant €4,000 · you pay €9,700
Heat pump — replaces the boiler, runs on electricity, pulls heat from the outside air. An outdoor unit the size of a large suitcase, bigger radiators in some rooms, three to five days. Runs cooler for longer — the house feels even, not blasted.
Air-to-water, SPF 3.5 heating / 2.5 hot water. Cost €16,832 · grant €6,500 + €4,000 (replacing oil/gas/coal) + €2,000 pipework + €700 controls = up to €13,200 · you pay from €3,632. 9.8c per kWh of heat vs gas 14.4c / oil 18.0c.
Costs about €16,500 · grant €6,500 · you pay €10,000
Is the house warm enough to hold the heat? — SEAI's test before they'll fund a heat pump. The insulation steps are usually what gets you through.
Heat Loss Indicator ≤ 2.3 W/K·m² after fabric works. 0% of homes like yours already pass. Assessment about €276, grant €350 through a One-Stop-Shop.
Costs about €280 · grant €350 · the grant covers it
Solar panels — on the roof, one day, no disruption. Cuts the electricity bill, and pairs well with a heat pump.
2.4 kWp ≈ 2,040 kWh/yr. Cost €9,400 · grant up to €1,800 · you pay €7,600.
Costs about €10,700 · grant €1,800 · you pay €8,900
The paperwork — assessment first, grant approval, then the work, then a new energy cert, then the grant is paid. A One-Stop-Shop does all of it and takes the grant off the bill.
Order is mandatory — work started before approval is not eligible. Energy cert €276, assessment grant €350 through a One-Stop-Shop. Typically 3–6 months end to end (estimate).
Costs about €280 · grant €350 · the grant covers it