Market outlook for LD4
Key indicators for buyers
The LD4 market is moderately favourable for buyers. Prices have softened (-33.4%), which could present a buying opportunity. Affordability has improved from a peak of 8.7x in 2007 to 7.9x today. Rising rents (£616/mo, +10.0%) 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 Powys area
A home in Powys costs 7.9x the local median salary — moderate, improving from a peak of 8.7x in 2007.
Rental trends
Average monthly rent · ONS Private Rental Index
Rental data shown for wider Powys area
Average monthly rent in Powys is £616, up 10.0% 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 Powys price of £251,542 with a 25% deposit (£63k), a 2-year fixed mortgage at 3.97% costs around £993 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Uses LD4 avg. price with Powys rental data
Monthly mortgage payments (£993) are £377 more than renting (£616). However, buying requires an upfront deposit of £63k — it would take around 24 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 |
|---|---|---|---|
2, THE BARNS, GARTH LD4 4AG | Semi-detached | £300,000 | 12 Nov 2025 |
16, DAN YR EPPYNT, TIRABAD LD4 4DR | Semi-detached | £147,500 | 18 Sept 2025 |
15, TAN Y DERI LD4 4BT | Terraced | £150,000 | 12 Sept 2025 |
1, PEN Y BRYN LD4 4BW | Detached | £225,000 | 8 Aug 2025 |
19, LLAIS YR AFON, GARTH LD4 4AE | Terraced | £138,000 | 8 Aug 2025 |
DOLIFOR LD4 4EA | Terraced | £170,000 | 14 May 2025 |
LLWYN GWESION, CEFN GORWYDD LD4 4DN | Detached | £460,000 |
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.