Wales · house prices & affordability
What it costs to buy in Cardiff
Buying in Cardiff? The average home price is £271,166. This page breaks down the deposit, the monthly repayment at the Bank of England's current quoted rate, and the household income a lender would look for, built from official published data alone.
Data updated 2026-04
- £271,166
- Cardiff metro avg (April 2026)
- +3.5%
- Wales region YoY
- £1,393/mo
- mortgage at 4.76%, 10% deposit
- £54,000
- income a lender would want (4.5×)
According to the Bank of England and HM Land Registry, whose House Price Index draws on more than 1,000,000 registered property transactions a year, the city average price and region trend on this page use the April 2026 House Price Index release and the June 2026 Bank of England quoted-rate snapshot under the Open Government Licence. Our methodology states which geography each figure describes.
Geography used: the headline average price is the Cardiff metro figure from the metros table; the year-on-year change and trend chart are the broader Wales region House Price Index series (not a place-level YoY). Deposit, loan, and payment maths are derived from the metro price plus the Bank of England quoted rate for the matching LTV band.
The verdict
On Cardiff's £271,166 average price, a 10% deposit brings the loan to £244,049, and at today's 4.76% two-year fix that works out to about £1,393 a month - lenders would generally look for a household income close to £54,000.
- £27,117
- 10% deposit needed
- £244,049
- loan at 90% LTV
- £1,393/mo
- over 25 years at 4.76%
- £1,537/mo
- stress-tested at 5.76%
Price: HM Land Registry (April 2026). Rate: Bank of England quoted 90% LTV two-year fix (June 2026).
House prices in the Wales
Where Cardiff sits among all 16 metros
Median house-price inventory across every tracked metro. Cardiff is marked; price level is not a quality ranking.
Cardiff vs all metros by median house price
Where this metro's median price sits among every tracked UK metro
271,166 7th of 16 higher than 9 of 16 metros
Metros, banded by median house price
Each bar is a band; taller bars hold more metros. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source HM Land Registry / metro price table · 2026-04
How Wales house prices changed recently
| Month | Avg price | MoM | YoY |
|---|---|---|---|
| November 2025 | £211,062 | -0.8% | +1.7% |
| December 2025 | £213,977 | +1.4% | +4.6% |
| January 2026 | £209,593 | -2.0% | +1.7% |
| February 2026 | £211,194 | +0.8% | +2.9% |
| March 2026 | £213,035 | +0.9% | +2.8% |
| April 2026 | £212,489 | -0.3% | +3.5% |
The Wales region's year-on-year change (+3.5%) is roughly in line with the UK national average (+3.8%) in the April 2026 release.
Source: HM Land Registry UK House Price Index. MoM = month-on-month change. YoY = year-on-year change. Figures are for the Wales region, not Cardiff alone.
Completion cost rate sheet
The mortgage maths for Cardiff CARDIF · Cardiff 90% LTV · 2yr
Cardiff · £1,393/mo at 4.76% · vs Manchester
- FIX Cardiff ask
- DIP 10% cash in
- APR 90-band fix
- SDLT near Manchester
- FIX under Manchester
- DIP 25y · stress
Figures use the published Cardiff average and the Bank of England's quoted rate: typical-buyer maths, not a personal quote. Read with Cardiff → · Model your own →
Cardiff in the price neighbourhood
Median house price (£k) among this metro and nearest nationwide price peers
- Edinburgh
Edinburgh
295 £k
- Cardiff
Cardiff
271 £k
- Manchester
Manchester
247 £k
- Leeds
Leeds
247 £k
- Birmingham
Birmingham
236 £k
What this shows Cardiff averages £271,166 (rank 10 of 16). Bars are £ thousands.
Where Cardiff sits in the UK metro comparison
Cardiff sits near the middle of the portal's 16-metro comparison set: 9 entries cost less and 6 cost more on average. On the price ladder Manchester sits immediately below at £247,344 and Edinburgh sits immediately above at £295,204.
Closest price-to-income multiple elsewhere: Edinburgh at 7.4×, against Cardiff's 8.0×.
Cardiff's average price is 8.0 times the recorded median household income of £34,000. That places it rank 11 of 16 in this dataset when lower price-to-income multiples are treated as more affordable; it is a comparison signal, not a lending decision.
Income-context sample for Cardiff
A Cardiff-keyed shuffle of every metro with recorded income. Income is a context signal from the metro dataset, not an affordability assessment for an individual household.
- Manchester has £2,000 higher, an average price of £247,344, and a 6.9× price-to-income multiple.
- Leeds has £2,000 higher, an average price of £246,882, and a 6.9× price-to-income multiple.
- Edinburgh has £6,000 higher, an average price of £295,204, and a 7.4× price-to-income multiple.
- Sheffield has £1,000 lower, an average price of £222,080, and a 6.7× price-to-income multiple.
- Cambridge has £10,000 higher, an average price of £462,145, and a 10.5× price-to-income multiple.
- Liverpool has £2,000 lower, an average price of £183,615, and a 5.7× price-to-income multiple.
- Oxford has £8,000 higher, an average price of £475,481, and a 11.3× price-to-income multiple.
- Belfast has £4,000 lower, an average price of £181,033, and a 6.0× price-to-income multiple.
- Glasgow has £1,000 lower, an average price of £186,853, and a 5.7× price-to-income multiple.
- Bristol has £5,000 higher, an average price of £353,662, and a 9.1× price-to-income multiple.
- Nottingham has £1,000 lower, an average price of £192,543, and a 5.8× price-to-income multiple.
- Newcastle has £2,000 lower, an average price of £209,071, and a 6.5× price-to-income multiple.
- London has £19,000 higher, an average price of £552,655, and a 10.4× price-to-income multiple.
- Brighton has £6,000 higher, an average price of £406,137, and a 10.2× price-to-income multiple.
- Birmingham has the same recorded median income, an average price of £235,682, and a 6.9× price-to-income multiple.
Compare Cardiff across the full metro set
Rows are ordered by a Cardiff-keyed shuffle of the full metro set so neighbouring pages do not share the same comparison order. Income multiples add a second disclosed lens from the portal's recorded metro data.
- Liverpool is price-rank 2 of 16, with an average £87,551 lower, recorded median household income of £32,000, and a 5.7× price-to-income multiple.
- Belfast is price-rank 1 of 16, with an average £90,133 lower, recorded median household income of £30,000, and a 6.0× price-to-income multiple.
- Oxford is price-rank 15 of 16, with an average £204,315 higher, recorded median household income of £42,000, and a 11.3× price-to-income multiple.
- Glasgow is price-rank 3 of 16, with an average £84,313 lower, recorded median household income of £33,000, and a 5.7× price-to-income multiple.
- Manchester is price-rank 9 of 16, with an average £23,822 lower, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Brighton is price-rank 13 of 16, with an average £134,971 higher, recorded median household income of £40,000, and a 10.2× price-to-income multiple.
- Nottingham is price-rank 4 of 16, with an average £78,623 lower, recorded median household income of £33,000, and a 5.8× price-to-income multiple.
- Sheffield is price-rank 6 of 16, with an average £49,086 lower, recorded median household income of £33,000, and a 6.7× price-to-income multiple.
- Newcastle is price-rank 5 of 16, with an average £62,095 lower, recorded median household income of £32,000, and a 6.5× price-to-income multiple.
- London is price-rank 16 of 16, with an average £281,489 higher, recorded median household income of £53,000, and a 10.4× price-to-income multiple.
- Leeds is price-rank 8 of 16, with an average £24,284 lower, recorded median household income of £36,000, and a 6.9× price-to-income multiple.
- Cambridge is price-rank 14 of 16, with an average £190,979 higher, recorded median household income of £44,000, and a 10.5× price-to-income multiple.
- Birmingham is price-rank 7 of 16, with an average £35,484 lower, recorded median household income of £34,000, and a 6.9× price-to-income multiple.
- Edinburgh is price-rank 11 of 16, with an average £24,038 higher, recorded median household income of £40,000, and a 7.4× price-to-income multiple.
- Bristol is price-rank 12 of 16, with an average £82,496 higher, recorded median household income of £39,000, and a 9.1× price-to-income multiple.
Compare beyond geography
Nationwide peers by price & affordability multiple
Two PlainMortgage-derived comparison paths for Cardiff: nearest median house price and nearest price-to-income multiple across all 16 tracked UK metros. Regional trend charts above stay geographic; these neighbourhoods vary by metric.
Similar median house price
Nearest metros by HM Land Registry average price. This record: £271,166.
Similar price-to-income multiple
Nearest metros by average price ÷ recorded median household income. This record: 8.0×.
Source: HM Land Registry UK House Price Index 2026-04
Frequently asked questions
- What is the average house price in Cardiff?
The HM Land Registry average for Cardiff is £271,166 in the April 2026 release. It is an average transaction price for the local-authority area, not a valuation of a particular property.
- Where does Cardiff sit on the portal's metro price ladder?
Rank 10 of 16. On the price ladder Manchester sits immediately below at £247,344 and Edinburgh sits immediately above at £295,204.
- How does Cardiff compare with similarly affordable metros?
Cardiff's average price is 8.0 times its recorded median household income. The closest comparison in this portal's metro dataset is Edinburgh at 7.4 times income; compare the price, local income and deposit assumptions rather than treating either figure as a personal lending decision.
Every figure on PlainMortgage is rendered directly from Bank of England and HM Land Registry data, no number is typed in by an editor. This page draws directly on Bank of England and HM Land Registry source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.