Data from Land Registry, ONS, Bank of England
Compare with another area →Key indicators for buyers
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.
Average sale prices · HM Land Registry / UK HPI
House price ÷ median earnings · ONS data
A home in Cardiff costs 7.0x the local median salary — moderate, improving from a peak of 8.3x in 2021.
Average monthly rent · ONS Private Rental Index
Average monthly rent in Cardiff is £1,154, up 5.6% year-on-year. Rents have risen consistently over the past five years.
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
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.
Monthly cost comparison based on current data
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.
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 |
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
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.
The average property in Cardiff sells for £268,463, up slightly (1.0%) over the past year. Prices have grown from around £49k in the mid-1990s.
| £232,500 |
| 22 Jan 2026 |
37, FAIRFIELD AVENUE CF5 1BR | Terraced | £392,000 | 22 Jan 2026 |
64, HEOL HIR, LLANISHEN CF14 5AE | Semi-detached | £364,995 | 22 Jan 2026 |
76, PEN Y PEEL ROAD CF5 1QY | Terraced | £358,000 | 21 Jan 2026 |
7, CLOS Y GWYDDFID, MORGANSTOWN CF15 8EX | Detached | £492,500 | 20 Jan 2026 |
26, SEVERN GROVE CF11 9EN | Terraced | £455,000 | 20 Jan 2026 |
17, MEADOWFIELD WAY, MORGANSTOWN CF15 8FL | Detached | £445,000 | 20 Jan 2026 |
33, TY FRY GARDENS, RUMNEY CF3 3NP | Semi-detached | £217,500 | 19 Jan 2026 |
24, CLOS DEWI SANT, CANTON CF11 9EW | Semi-detached | £475,000 | 19 Jan 2026 |
15, PEN Y BRYN ROAD, GABALFA CF14 3LG | Terraced | £325,000 | 19 Jan 2026 |
26, WROUGHTON PLACE, ELY CF5 4AB | Terraced | £141,500 | 16 Jan 2026 |
27, GARETH CLOSE, THORNHILL CF14 9AF | Semi-detached | £325,000 | 16 Jan 2026 |
14, GRAFTON TERRACE CF14 6AU | Terraced | £200,000 | 16 Jan 2026 |
19, HEOL BOOTHS, OLD ST MELLONS CF3 6WA | Detached | £358,000 | 16 Jan 2026 |
The most recent recorded sale in Cardiff was a detached property on Bassetts Field for £483,000 in January 2026. Across the last 20 sales, the median price was £358,000.