What can you afford in Cardiff?
3,606 homes changed hands in Cardiff over the last 12 months (Jul 2025 – Jun 2026). Half sold for £270,000 or less, a quarter for under £205,000, and three quarters for under £365,000. Buying the median home with a 10% deposit needs roughly a £54,000 salary at the typical 4.5× lending multiple , see what £54,000 takes home.
Affordability in one number: the median home here sold for 7.3× the local median full-time salary of £36,946 (ONS ASHE 2025). A typical lender stretches to about 4.5× one income plus your deposit, which is why the deposit and second incomes decide so much here.
Sold prices · Cardiff
£270,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £205,000
- Three quarters under
- £365,000
- Sales
- 3,606
- HPI average
- £272,866
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 3,606 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 5% |
| £35,000 | £175,000 | 16.3% |
| £50,000 | £250,000 | 42.1% |
| £75,000 | £375,000 | 76.5% |
| £100,000 | £500,000 | 89.2% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £165,000 · 774 | ≈£33,000 |
| Terraced house | £266,000 · 1,377 | ≈£53,200 |
| Semi-detached house | £303,000 · 921 | ≈£60,600 |
| Detached house | £469,250 · 534 | ≈£93,850 |
For context, the UK House Price Index puts Cardiff average prices up 2.9% over 12 months.
Nearby in the index
- Calderdale
- Cambridge
- Camden
- Cannock Chase
- Canterbury
- Carmarthenshire
- Castle Point
- Central Bedfordshire
- Ceredigion
- Charnwood
Sold prices: HM Land Registry Price Paid Data (standard residential sales), Jul 2025 – Jun 2026, standard residential sales, England & Wales. Averages: UK House Price Index (HM Land Registry / ONS). Lending estimates use a typical 4.5× single-income multiple and are not a mortgage offer or financial advice.