Property Data OutlookSA45
1,078 recorded transactions · Part of Ceredigion
Compare with another area →Market outlook for SA45
Key indicators for buyers
The SA45 market is moderately favourable for buyers. Prices have softened (-12.4%), which could present a buying opportunity. 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
Yearly averages · HM Land Registry Price Paid Data
Prices by property type
2025averages · HM Land Registry Price Paid Data
Affordability ratio
House price ÷ median earnings · ONS data
Affordability data shown for wider Ceredigion area
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
Rental data shown for wider Ceredigion area
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 £298,981 with a 25% deposit (£75k), a 2-year fixed mortgage at 3.97% costs around £1,180 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses SA45 avg. price with Ceredigion rental data
Monthly mortgage payments (£1,180) are £471 more than renting (£709). However, buying requires an upfront deposit of £75k — it would take around 26 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 |
|---|---|---|---|
CWM COTTAGE, GILFACHRHEDA SA45 9SS | Other | £450,000 | 12 Dec 2025 |
1, FIELD PLACE SA45 9QN | Semi-detached | £225,000 | 8 Dec 2025 |
34, CWMHALEN SA45 9SF | Detached | £242,000 | 4 Dec 2025 |
6, LLYS Y DDERWEN SA45 9SY | Semi-detached | £210,000 | 24 Nov 2025 |
TOWYN BACH, TOWYN ROAD SA45 9QQ | Semi-detached | £270,000 | 19 Nov 2025 |
PRESWYLFA, GOMER CRESCENT SA45 9NL | Detached | £255,000 | 19 Nov 2025 |
GERYLLETHI, GILFACHRHEDA SA45 9SW | Detached |
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.