Property Data OutlookCeredigion
Data from Land Registry, ONS, Bank of England
Compare with another area →Market outlook for Ceredigion
Key indicators for buyers
The Ceredigion market is moderately favourable for buyers. Prices are rising at 4.1%, which may favour acting sooner rather than later. Affordability has improved from a peak of 9.7x in 2007 to 6.9x today. Rising rents (£709/mo, +5.4%) mean the cost of waiting is real.
Price trends
Average sale prices · HM Land Registry / UK HPI
Affordability ratio
House price ÷ median earnings · ONS data
A home in Ceredigion costs 6.9x the local median salary — moderate, improving from a peak of 9.7x in 2007.
Rental trends
Average monthly rent · ONS Private Rental Index
Average monthly rent in Ceredigion is £709, up 5.4% year-on-year. Rents have risen consistently over the past five years.
Monthly mortgage
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Ceredigion price of £240,640 with a 25% deposit (£60k), a 2-year fixed mortgage at 3.97% costs around £950 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Monthly mortgage payments (£950) are £241 more than renting (£709). However, buying requires an upfront deposit of £60k — it would take around 15 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 |
|---|---|---|---|
OLD POST OFFICE, PENBONTRHYDYBEDDAU SY23 3EZ | Detached | £235,000 | 26 Jan 2026 |
HENDREF, ABERARTH SA46 0LL | Detached | £145,000 | 23 Jan 2026 |
ARDOCH HOUSE, LLYN Y FRAN ROAD SA44 4JW | Detached | £520,000 | 22 Jan 2026 |
12, WAUNGIACH, LLECHRYD SA43 2PT | Detached | £350,000 | 20 Jan 2026 |
49, Y LANFA, TREFECHAN SY23 1AS | Flat/Maisonette | £255,000 | 20 Jan 2026 |
66, GER Y LLAN, PENRHYNCOCH SY23 3HQ | Detached | £285,000 | 19 Jan 2026 |
TARA, 15, RHYD Y FAWNOG SY25 6JQ | Detached |
Explore postcodes in Ceredigion
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
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.