What can you afford in Ceredigion?
744 homes changed hands in Ceredigion over the last 12 months (Jul 2025 – Jun 2026). Half sold for £230,000 or less, a quarter for under £175,000, and three quarters for under £307,250. Buying the median home with a 10% deposit needs roughly a £46,000 salary at the typical 4.5× lending multiple , see what £46,000 takes home.
Affordability in one number: the median home here sold for 6.9× the local median full-time salary of £33,299 (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 · Ceredigion
£230,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £175,000
- Three quarters under
- £307,250
- Sales
- 744
- HPI average
- £243,343
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 744 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 7.5% |
| £35,000 | £175,000 | 25% |
| £50,000 | £250,000 | 57.2% |
| £75,000 | £375,000 | 88.1% |
| £100,000 | £500,000 | 95.5% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £168,000 · 44 | ≈£33,600 |
| Terraced house | £175,000 · 167 | ≈£35,000 |
| Semi-detached house | £198,500 · 178 | ≈£39,700 |
| Detached house | £300,000 · 355 | ≈£60,000 |
For context, the UK House Price Index puts Ceredigion average prices up 7% over 12 months.
Nearby in the index
- Canterbury
- Cardiff
- Carmarthenshire
- Castle Point
- Central Bedfordshire
- Charnwood
- Chelmsford
- Cheltenham
- Cherwell
- Cheshire East
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.