Cardiff

Data from Land Registry, ONS, Bank of England

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Avg. price

£268,463

↑ +1.0% YoY

Affordability

6.96x

price-to-earnings

Avg. rent

£1154/mo

↑ +5.6% YoY

Market outlook for Cardiff

Key indicators for buyers

Prices stable+1.0% YoYRelatively stable market

Moderate7.0xImproving from 8.3x in 2021

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

Market quiet-6% YoYLess competition

Rents rising fast+5.6% YoYWaiting costs more (£1,154/mo)

The Cardiff market looks favourable for buyers. Affordability has improved from a peak of 8.3x in 2021 to 7.0x today. Rising rents (£1,154/mo, +5.6%) mean the cost of waiting is real.

Price trends

Average sale prices · HM Land Registry / UK HPI

£268,463

↑ +1.0% YoY

Affordability ratio

House price ÷ median earnings · ONS data

6.96x

price-to-earnings

A home in Cardiff costs 7.0x the local median salary — moderate, improving from a peak of 8.3x in 2021.

Rental trends

Average monthly rent · ONS Private Rental Index

£1154/mo

↑ +5.6% YoY

Average monthly rent in Cardiff is £1,154, up 5.6% year-on-year. Rents have risen consistently over the past five years.

Monthly mortgage

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

£1,059

per month at 3.97%

LTV

Term

Deposit (25%)

£67k

Stamp duty

£923

Based on the average Cardiff price of £268,463 with a 25% deposit (£67k), a 2-year fixed mortgage at 3.97% costs around £1,059 per month.

Rent vs buy snapshot

Monthly cost comparison based on current data

Renting

£1,154

per month

0% equity built

Buying (mortgage)

£1,059

per month

£95 less than renting

Breakeven

8yr

to recoup deposit

vs renting + investing

Monthly mortgage payments (£1,059) are £95 less than renting (£1,154). However, buying requires an upfront deposit of £67k — it would take around 8 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
4, BASSETTS FIELD, THORNHILL CF14 9UG	Detached	£483,000	27 Jan 2026
21, AMESBURY ROAD CF23 5DW	Terraced	£457,385	26 Jan 2026
29, RERESBY COURT CF10 5NR	Flat/Maisonette	£155,500	26 Jan 2026
10, FORELAND ROAD CF14 7AR	Semi-detached	£530,000	23 Jan 2026
64, FISHGUARD ROAD, LLANISHEN CF14 5PR	Terraced	£300,000	23 Jan 2026
75, CANADA ROAD, GABALFA CF14 3BX	Semi-detached	£339,950	23 Jan 2026
8, CORNWALL STREET CF11 6SQ	Terraced

Explore postcodes in Cardiff

12postcode 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