Caerphilly

Data from Land Registry, ONS, Bank of England

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Avg. price

£193,058

↑ +1.2% YoY

Affordability

5.75x

↑ price-to-earnings

Avg. rent

£733/mo

↑ +8.3% YoY

Market outlook for Caerphilly

Key indicators for buyers

Prices stable+1.2% YoYRelatively stable market

Affordable5.8x5.8x median earnings

Rates favourable3.97%2yr fixed, 75% LTV

Market quiet-6% YoYLess competition

Rents rising fast+8.3% YoYWaiting costs more (£733/mo)

The Caerphilly market looks favourable for buyers. Rising rents (£733/mo, +8.3%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£193,058

↑ +1.2% YoY

Affordability ratio

House price ÷ median earnings · ONS data

5.75x

price-to-earnings

A home in Caerphilly costs 5.8x the local median salary — moderate, improving from a peak of 6.0x in 2006.

Rental trends

Average monthly rent · ONS Private Rental Index

£733/mo

↑ +8.3% YoY

Average monthly rent in Caerphilly is £733, up 8.3% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

2yr fixed · 75% LTV · 25yr term · BoE avg. rate

£762

per month at 3.97%

LTV

Term

Deposit (25%)

£48k

Stamp duty

£0

Based on the average Caerphilly price of £193,058 with a 25% deposit (£48k), a 2-year fixed mortgage at 3.97% costs around £762 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£733

per month

0% equity built

Buying (mortgage)

£762

per month

£29 more than renting

Breakeven

9yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£762) are £29 more than renting (£733). However, buying requires an upfront deposit of £48k — it would take around 9 years to recoup that cost compared to renting and investing the difference.

Recent sales

Latest transactions · HM Land Registry Price Paid Data

Address	Type	Price	Date
22, FIRST AVENUE CF83 2SA	Terraced	£180,000	27 Jan 2026
12, WESLEY ROAD CF83 1SS	Detached	£430,000	23 Jan 2026
PENDARREN, PENDARREN ROAD, ABERBEEG NP13 2DA	Semi-detached	£157,000	23 Jan 2026
4, CORONATION CRESCENT, FOCHRIW CF81 9LF	Semi-detached	£147,500	23 Jan 2026
3, TRINANT TERRACE, PENTWYN CRUMLIN NP11 3JH	Semi-detached	£97,500	22 Jan 2026
57A, CARDIFF ROAD CF81 8PA	Terraced	£39,000	22 Jan 2026
114, JUBILEE ROAD NP24 6PA	Terraced

Explore postcodes in Caerphilly

9postcode districts · Click for detailed prices

Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions